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"The present study deals with affect of adoption pattern of the ATMs by banks on its characteristics.With the exploration of various characteristics of the banks like Size, Profitability, Efficiency, Cost ofOperations, Asset quality and Credit risk, Financing Pattern, Diversification and Age etc.; the studyhas tried to differentiate between the early and late adopter category of the banks regarding ATMcards. The banks have been categorized into early and late adopters on the basis of their adoptionperiod. For this purpose, 50 scheduled commercial banks consisting of 27 Public Sector Banks and23 Private Sector Banks have been taken as sample to investigate the various aspects of and earlyadopter banks in comparison to late adopter banks. The time period of the study is 20 years i.e.from 1991 to 2010. It can be concluded that the initiators and first movers take advantage overthe late adopters and laggards. They have found to perform better in terms of various parameters.Overall, the early adopter banks are larger in size, more diversified, having lesser branches, moremarket share and wide ATM network as compared to late adopter ones. Thus, the empirical resultsevidently reveal that the both the groups have their own different characteristics."

"The present study examines existence of service recovery paradox in Indian banking industry. Thestudy is taken up in the tri-city of Chandigarh, Panchkula and Mohali. The respondents are categorizedinto failure and no-failure groups on the basis of their service experience. Failure group constitutesthose respondents who have experienced service recovery, and has been further divided intofive sub-groups ranging from service recovery++ (service recovery better than expected) to servicerecovery- - (service recovery worse than expected). Service recovery paradox is examined by comparingservice recovery++ group with no-failure group. The study shows evidence for existence ofservice recovery paradox in relation to satisfaction. It has been concluded that for service recoveryparadox to exist, recovery effort has to be exceptionally good and much better than expectationlevel of the customer. The study suggests that service managers should take service failure as anopportunity to appease customers by providing a much better than expected recovery experience.However, organizations should not plan to create service failure situations because if they falter onimparting the recovery, customer satisfaction may be influenced negatively."

"The positive impact of absorptive capacity (ACAP) on innovation and the positive impact of innovation on competitive advantage have been proven in different research contexts. However, current knowledge on organizational culture that affects ACAP, innovation and competitive advantage as a whole, remains unclear. This article proposes a model to examine how organizational culture (developmental culture and rational culture) affects ACAP, innovation and competitive advantage, directly and indirectly as well. Surveyed data (in Indonesian Banking Industry) shows that both of organizational culture have a direct impact on ACAP. Only developmental culture has a direct impact on innovation. There is no culture type affects competitive advantage directly. In this research, culture affects competitive advantage through ACAP and innovation."

"Perilaku belanja kompulsif dewasa ini menjadi salah satu topik menarik bagi sejumlah peneliti di bidang konsumsi maupun bidang pemasaran. Karena dianggap sebagai akibat dari materialisme dan dampak buruk dari konsumerisme. Alasannya, karena kedua hal tersebut berpengaruh sangat serius, baik itu secara perseorangan maupun bagi publik. Perilaku compulsive buying dapat diakibatkan dari beberapa faktor. DeSarbo dan Ewards (1996) membagi dua faktor yang memengaruhi seseorang untuk berperilaku compulsive buying yaitu predispostional factors dan circumstansial factors. Menggunakan aplikasi Lisrel sebagai pengolah data, Emosi yang terdiri dari image consciousness dan compulsive spending berpengaruh signifikan terhadap materialism yang dilakukan pengguna sebagai mediasi untuk mempengaruhi dorongan untuk membeli maupun mempengaruhi dorongan untuk berbelanja sehingga dapat menciptakan sifat compulsive buyer. Hal ini didukung dengan nilai t-value yang sama tinggi antara image consciousness, materialism dan compulsive spending . Sifat materialism tidak terlalu berpengaruh signifikan terhadap credit card usage yang dilakukan pengguna karena orang yang memiliki sifat matrealistik tidak selalu memiliki kecenderungan untuk memakai kartu kredit untuk pemuas kebutuhan pribadinya.

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Compulsive buying today become one of the topics of interest to a number of researchers in the field of consumer and field marketing. Since it is considered as a result of the adverse effects of materialism and consumerism. The reason is, because both of these are very serious effect, either individually or for the public. Compulsive buying behavior can result from several factors. DeSarbo and Ewards (1996) divides the two factors that influence a person to behave compulsive buying are predispostional factors and circumstansial factors.

Using Lisrel applications as data processor, Emotions which consists of image consciousness and compulsive spending a significant effect on a user's materialism as mediation to influence or affect the urge to buy an urge to shop so it can create compulsive nature of the buyer. This is supported by the value of the t-value is equally high among image consciousness, materialism and compulsive spending. The nature of materialism is not too significant effect on credit card usage as the user who made the matrealistic properties do not always have the tendency to use credit cards for satisfying personal needs."

"Conflict can be functional or dysfunctional to the organization?s performance. This study focused on the relationship between conflict approaches implemented by the project manager based on project team member?s perception on the effectiveness of the project manager in managing project?sconflict. Questionnaires were modified from Barker et al. (1988) to measure conflict managementapproaches and outcomes of managing project conflict. Data were gathered from 57respondents who worked in the Engineering, Procurement, and Construction (EPC) contractorsserving the upstream sector of the Oil and Gas industry in Indonesia. By using Pearson correlation,result of this study indicated that project managers were perceived to be effective in managingproject conflict when implementing cooperative and confirmative approaches, but ineffectivewhen combining competitive and avoidance approaches. Further research should investigate correlationbetween cultural dimensions with conflict approaches and outcomes of managing conflict."

"Penelitian ini menganalisis tentang tingkat persaingan sistem perbankan di Indonesia dengan menggunakan pendekatan New Empirical Industrial Organization. Dalam mengukur tingkat persaingan sistem perbankan Indonesia penulis menggunakan Boone Indicator dan Model Panzar-Rosse. Sebagai robustness test penulis juga mengestimasi tingkat persaingan sistem perbankan Indonesia menggunakan Lerner Index. Data yang digunakan dalam penelitian ini adalah 109 bank umum dengan periode pengamatan tahun 2006-2011. Hasil penelitian ini menunjukkan bahwa persaingan yang terjadi pada sistem perbankan Indonesia adalah persaingan monopolistik.

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This study analyzes the level of competition in the Indonesian banking system by using the New Empirical Industrial Organization approach. Boone Indicator and Panzar-Rosse Model employed to estimate level of competition in Indonesian banking system. As a robustness test, authors also estimate the Indonesian banking system competition using Lerner Index. The data used in this study is a 109 commercial bank with the observation period from 2006-2011. The results of this study show that the Indonesian banking system is in the monopolistic competition."

"Penelitian mengenai perancangan desain teknis EDC ATM dengan metode Stage Gate Model dan TRIZ bertujuan untuk membuat suatu tools atau alat yang bisa mendukung aktifitas Unit Perantara Layanan Keuangan UPLK dalam melakukan ujicoba Aktifitas Jasa Sistem Pembayaran dan Perbankan Terbatas di 8 provinsi di Indonesia Melalui pendekatan Stage Gate Model dapat diidentifikasi kebutuhan user yakni Bank dan Telco terhadap produk EDC Sedangkan pendekatan TRIZ memberikan output berupa spesifikasi teknis apa saja yang perlu ada di dalam sebuah EDC ATM Meskipun inventive principle nya sangat general perlu dilakukan verifikasi dan validasi kepada expert bidang telekomunikasi untuk menginterpretasikan solusi tersebut ke dalam spesifikasi teknis EDC-ATM

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Research on the design of EDC-ATM using Stage Gate Model and TRIZ method aims to create a tool to support the activities of Unit Perantara Layanan Keuangan UPLK in Limited Payment System and Banking Services tryout activies in 8 provinces in Indonesia Through the Stage Gate Model it will be able to identify user needs the Bank and Telco againts EDC product TRIZ method will provide an output in the form of technical specifications that is needed in an EDC ATM Although this inventive principle is very general there will be verification and validation to the telecommunications expert to interpret the solutions to the technical specifications of EDC ATM "

"Tesis ini bertujuan untuk mengetahui kondisi penerapan manajemen risiko dengan menilai berdasarkan data laporan keuangan serta mengetahui pengaruh penerapan manajemen risiko terhadap return harga saham. Dengan menggunakan rasio keuangan net interest margin to total assets (NETIM), non interest margin to total assets (NONIM), provisions to total assets (PROV) dan rasio kecukupan modal (CAR) yang berfungsi sebagai proxy variabel pengelolaan manajemen risiko sehingga dapat dihitung tingkat pelaksanaan manajemen risiko dengan metode statistik multivariat. Untuk mengetahui pengaruh penerapan manajemen risiko terhadap return harga saham digunakan analisis regresi.Hasil penelitian ini menunjukkan penerapan manajemen risiko di industri perbankan Indonesia menurun di awal periode (Maret 2004 ? Desember 2005) kemudian stabil (Maret 2006 ? Desember 2011). Penerapan manajemen risiko berpengaruh positif terhadap pergerakan return harga saham.

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The purpose of this researchare to summarize the information that contained in bank financial statement on the risk management capabilities of bank and to investigate the impact of risk management capabilities to bank stocks return movement. By using accounting ratios such as net interest margin to total assets (NETIM), non interest margin to total assets (NONIM), provisions to total assets (PROV) and capital adequacy ratio (CAR) as proxy of risk management variables and attempts to quantify the overall risk management capabilities of bank by multivariate statistic method. Than, regression analysis is used to analyze the impact of risk management on stock return.

This research shows that risk management capability in indonesian banking industry declines in the beginning of research period (March 2004 - December 2005), and than stable until the end of the period (March 2006 ? December 2011). Risk management capabilities has a positive affect to stock return movement."