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"Penelitian ini bertujuan untuk menganalisis pengaruh pertumbuhan kredit terhadap kinerja bank-bank yang terdaftar di Bursa Efek Indonesia pada periode 2007 ? 2015. Teknik estimasi yang digunakan adalah Fixed Effect Model dengan menggunakan data panel. Kinerja bank diukur dengan menggunakan proksi Tobin‟s Q yang mencerminkan performa perbankan berdasarkan penilaian pasar. Diikutertakan juga beberapa variabel kontrol spesifik bank dalam model penelitian, yaitu ukuran bank, kapitalisasi bank, intensitas kredit, dan deposito bank. Kemudian, dilakukan juga regresi yang serupa dengan mengelompokkan bank-bank listed berdasarkan ukuran kecil, menengah, dan besar. Penelitian ini telah membuktikan bahwa pertumbuhan kredit mempengaruhi kinerja bank-bank listed secara keseluruhan. Setelah melakukan analisis dengan mengelompokkan bank-bank listed berdasarkan ukuran, penelitian ini juga membuktikan bahwa pertumbuhan kredit mempengaruhi kinerja kelompok bank listed berukuran menengah, namun pertumbuhan kredit tidak terbukti mempengaruhi kinerja kelompok bank listed berukuran besar dan kecil.

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This research aims to analyze the effect of loan growth on the performance of banks that are listed on the Indonesia Stock Exchange in the period 2007 - 2015. The estimation technique used is the Fixed Effects Model using panel data. This research uses Fixed Effect Model with panel data. Tobin‟s Q is used as a proxy of bank performance that reflects market‟s valuation of bank performance. Several bank specific control variables are also included in the model, such as bank size, bank capitalization, loan intensity, and bank deposits. Furthermore, there are several regressions conducted towards different groups of banks according to their sizes; small, medium, and large. This study has proven that loan growth affects the performance of banks listed in general. After analyzing by grouping the listed banks based on size, this study has also proven that loan growth affects the performance of medium sized listed banks, but loan growth is not shown to affect the performance of large and small listed banks."

"Tesis ini mengkaji proses pemukiman informal yang fokus pada pembentukannya dan mekanisme penguasaan lahan oleh pemukim. Penelitan ini dilaksanakan menggunakan pendekatan kualitatif. Hasil penelitian menemukan dua hal berikut. Pertama, permukiman informal di bantaran Drain Cakung berada di atas lahan milik orang lain yang pertama kali digarap sejak 1961 dan semakin intensif pasca pembangunan Drain Cakung dan Jalan Raya Cakung Cilincing. Kedua, mekanisme penguasaan lahan garapan terjadi melalui tiga cara, yaitu pendudukan yang dikompromikan oleh pemilik formal lahan, pendudukan semena-mena, dan jual beli di atas lahan garapan.

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This study examines the process of informal settlements that focus on the formation process and land tenure mechanisms by settlers. This study used a qualitative approach. The study found the following two points. First, the informal settlements on the banks of Cakung Drain is located on land owned by another person since 1961 and more intensively after the construction of Cakung Drain and Cakung Cilincing Road. Second, there are three mechanism of land tenure by settlers, namely occupation compromised by the formal owner of the land, the occupation of arbitrary, and purchase of lsquo garapan rsquo land. "

"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."

"Penelitian ini bertujuan untuk menginvestigasi peran perbankan Islam dalam mentransmisikan kebijakan moneter terhadap perekonomian riil di Indonesia dan Malaysia. Sejalan dengan pesatnya perkembangan perbankan Islam, maka pertanyaan mengenai bagaimana sektor ini berkontribusi dalam transmisi kebijakan moneter semakin menarik untuk diteliti. Penelitian ini menggunakan metode VAR dengan data bulanan dari Januari 2007 sampai Desember 2016. Hasilnya menunjukkan bahwa perbankan Islam dikedua negara memainkan peran yang positif sesuai dengan teori bank lending channel dalam proses transmisi moneter. Meskipun begitu, hubungan yang dihasilkan tidak begitu signifikan, terutama terkait dampaknya terhadap perekonomian. Ini mengindikasikan bahwa perbankan Islam perlu kembali kebentuk idealnya yang terkoneksi terhadap sektor riil. Selain itu, otoritas moneter perlu merancang instrumen kebijakan moneter yang lebih tepat dalam mengakomodasi keberadaan perbankan Islam yang terus berkembang.

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This study aims to analyze the role of Islamic banks in transmitting monetary policy to the real economy of Indonesia and Malaysia. Due to the fact that Islamic finance has a vast growing nowadays, it makes the question about how Islamic bank contributes in monetary policy transmission is more interesting to be discussed. The study relies on VAR methodology with monthly data covering the period from January 2007 to December 2016. The result show that Islamic banks play positive role in transmitting monetary policy in line with the theory. However, the magnitude is not quite strong especially the effect to economy. This indicates that Islamic banks should back to their nature which linked their activity to the real sector of economy. Beside of that, policy maker should find suitable monetary instrument to accommodate Islamic banks."

"ABSTRAKBeberapa studi sebelumnya yang menelaah dampak inflasi terhadap likuiditas bank mengindikasikan bahwa pengaruh inflasi terhadap likuiditas bank dapat berbeda bergantung pada sumber ataupun sifat dari inflasi tersebut. Penelitian ini bermaksud menelaah lebih lanjut secara empiris dampak inflasi terhadap likuiditas bank ketika inflasi bersumber dari aggregate supply shock seperti kenaikan harga bahan bakar minyak bersubsidi. Data dalam penelitian ini mendukung hipotesis bahwa inflasi yang dipicu oleh kenaikan harga BBM bersubsidi akan berdampak pada penurunan likuiditas bank. Sebaliknya, inflasi yang tidak dipicu oleh kenaikan harga BBM bersubsidi akan mengarah pada peningkatan likuiditas bank.

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ABSTRACTSeveral prior studies that examined the impact of inflation on bank rsquo s liquidity indicate that the effect of inflation on bank rsquo s liquidity may differ depending on the source or nature of the inflation. This study intends to further examine empirically the impact of inflation on bank rsquo s liquidity when inflation is stemmed from aggregate supply shocks such as increasing subsidized fuel price. The data in this study shows that inflation which stems from the rise in subsidized fuel prices will negatively affects bank rsquo s liquidity. On the other hand, inflation which is not stemed from increasing subsidized fuel price will lead to increase in bank rsquo s liquidity. "

"Penelitian ini dilakukan untuk menganalisis perbandingan kesehatan bank syariah di Indonesia dan Malaysia untuk mengukur kesiapan bank syariah di kedua negara. Studi ini menggunakan data laporan keuangan tahunan 10 bank syariah di Indonesia dan 10 bank syariah di Malaysia pada kurun waktu 2012-2014. Hasil penelitian ini menunjukkan bahwa bank syariah di Malaysia lebih siap dibandingkan bank syariah di Indonesia dengan menggunakan metode GAMEL. Bank syariah di Malaysia cenderung lebih sehat di banding bank syariah di INdonesia selama periode tahun 2012 sampai 2014. Hasil dari penelitian ini memberikan implikasi bahwa bank syariah di Indonesia perlu mendivesfikasi produk-produknya baik dalam pembiayaan maupun pendanaan dalam rangka berkompetisi di regional ASEAN."

"ABSTRAKKerjasama Notaris dengan Bank bermula dari adanya permintaan bank karena kebutuhannya akan jasa dalam hal kepastian hukum dan Notaris melakukan penawaran sebagai pihak yang mempunyai keahlian yang dibutuhkan bank. Permintaan dan penawaran menimbulkan kerjasama antarakeduanya, bahkan dengan cara yang tidak diatur oleh undang-undang. Permasalahan yang terjadi yaitu belum ada peraturan yang mengatur spesifik mengenai kerjasama notaris dengan bank. Sehingga kerjasama ini bisa diindikasikan melanggar ketentuan persaingan usaha tidak sehat. Metode penelitian yang digunakan adalah penelitian yuridis normatif dengan tipologi penelitian adalah fact finding dan eksplanatoris yaitu menggambarkan atau menjelaskan lebih dalam suatu gejala. Hasil penelitian menerangkan bahwa belum ada satupun peraturan yang mengatur spesifik tentang kerjasama notaris dengan bank. Kerjasama yang ada diikuti dengan Perjanjian kerjasama secara tertulis dan itu tidak melanggar ketentuan perundang-undangan berlaku, Namun dalam praktek ada perjanjian tidak tertulis, yaitu perjanjian secara lisan antara notaris dengan bank yang sudah dianggap sebagai living law hukum kebiasaan dalam kerjasama ini, tidak dapat diketahui isi perjanjiannya apakah melanggar ketentuan perundang-undangan atau tidak. Simpulan bahwa perjanjian lisan antara notaris dengan bank selalu terjadi, dengan tujuan untuk menguntungkan kedua belah pihak. Hal ini bisa termasuk ke dalam perjanjian tertutup dan kegiatan yang dilarang sebagaimana dilarang dalam UU No.5 Tahun 1999.

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ABSTRACT Partnership beetween Notary and Bank was starting from the need for services, in terms of legal certainty in the bank demand and supply lead to cooperation between the two, even in ways that are not regulated by law. The problems that occur are no specific regulations governing notaries regarding cooperation with the bank. So that this cooperation can be indicated in violation of the provisions of unfair competition. The method used is a normative juridical research with research typology is fact finding and explanatory that describe or explain a phenomenon. The results of the study explained that not one of the specific regulations governing partnership beetween Notary and Bank. Cooperation that is followed by a cooperation agreement in writing and it does not violate the statutory provisions in force, but in practice there are unwritten agreements, namely the oral agreement between the notary and the bank that has been regarded as a living law customary law in this cooperation, not can know the contents of the agreement is in violation of statutory provisions or not. The inference that an oral agreement between the notary with the bank always the case, with the aim to benefit both parties. It could be included in agreements covered and prohibited activities as prohibited under Law No.5 of 1999. "

"AbstrakThere are several affecting factors to the Employees performance. This research aimed to examines the factor that influences work motivation and employees performance. The method was the structural equation model. The results found that leadership style and compensation affect the work motivation, but the variable of work discipline does not have an impact on work motivation. This study also found that work discipline and compensation affect the employees performance, but the leadership style does not have an impact. The Policy implications suggest the chairman to set-up leadership style appropriate to the employees situation, and compensation should be enhanced, awards and penalties apply to increase employees discipline and welfare."

"We analyze if a change in accounting standard or a change in prudential regulation impacts banks loan loss provision. We find that, in general, the banks using a principles based accounting standard exhibit a lower level of earnings management compared to banks using a rules-based accounting standard. When a country moves from pro cyclical macro prudential regulations to a dynamic provisioning regime, banks are more likely to set aside a larger amount of loan loss provision for the purpose of income smoothing."

"Tesis ini membahas wacana pembentukan Bank Holding Company oleh Pemerintah terhadap bank-bank milik negara. Latar belakang Pemerintah untuk membentuk Bank Holding Company adalah untuk memperkuat permodalan bank-bank negara serta untuk memenuhi ketentuan peraturan perundang-undangan yang berlaku yaitu dalam hal ini adalah ketentuan single presence policy sebagaimana diatur dalam POJK Kepemilikan Tunggal Bank. Terdapat 2 (dua) permasalahan dari pembentukan Bank Holding Company ini adalah ketentuan spesifik mengenai pembentukan holding company dan risiko hukum yang mungkin akan timbul dari pelaksanaan dimaksud. Penelitian ini menggunakan metode penelitian yuridis-normatif, tipologi penelitian yang digunakan ialah deskriptif analitis, metode analisis data yang digunakan ialah metode kualitatif dan alat pengumpulan data yang digunakan ialah studi dokumen dan wawancara. Berdasarkan hasil penelitian, dapat disimpulkan bahwa pada dasarnya tidak ada ketentuan yang mengatur secara spesifik mengenai pembentukan holding company atau perseroan induk. Sebagai acuan bagi BUMN, maka ketentuan holding dapat mengacu pada PP 72 Tahun 2016 terutama terkait dengan pengalihan saham milik Pemerintah pada BUMN untuk dijadikan penyertaan negara pada BUMN lain dan BUMN yang mendapat pengalihan saham tersebut akan menjadi induk dari BUMN yang mengalihkan sahamnya dan POJK Kepemilikan Tunggal Bank sebagai pedoman pembentukan Bank Holding Company. Risiko Hukum yang harus dimitigasi oleh pemerintah status hukum anak perusahaan hasil holding, pembatasan kepemilikan saham bank oleh Badan Hukum, Pengalihan/Pemindahan Kepemilikan Saham Mayoritas di Luar Bursa, batas maksimum pemberian kredit, market share yang terbentuk dari bumn induk hasil holding perbankan dan implikasinya terhadap hukum persaingan usaha di Indonesia, ketentuan mengenai rahasia bank mengingat BUMN Induk Holding Perbankan bukan merupakan Lembaga Keuangan Bank.

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This thesis mainly talks about the discourse of the formation of a Bank Holding Company by the Government against state-owned banks. The underlying reason why The Government want to establish a Bank Holding Company is to strengthen the capital of state banks as well as to fulfill the prevailing law which is the provisions of single presence policy stipulated in the Financial Services Authorities Rule. Two (2) problems were obtained from the plan of formation of this Bank Holding Company, specifically provisions concerning the holding company specifically and legal risks that might arise from the implementation of the agreement. This study uses juridical-normative research methods, the research typology used is descriptive analytical, data analysis methods used are qualitative methods and data collection tools used are document studies and interviews. Based on the results of the study, it can be concluded that basically there was not any provisions regulate about the company or parent company. As a reference for SOEs, ownership can be submitted to PP 72 of 2016 related to the transfer of Government-owned shares to SOEs to make state participation in other SOEs and SOEs that receive the transfer of shares will be the property of the government transferring their shares and Financial Services Authorities Rule as a guideline for establishing a Bank Holding Company. Legal Risk that must be mitigated by the legal status of the holding company subsidiary, bank share ownership by the Legal Entity, Transfer/Majority Share Ownership in the Foreign Exchange, maximum lending limit, market share derived from holding, banking and the legal implications business competition in Indonesia, provisions concerning bank secrets, considering that the holding SOE is not a Bank Financial Institution."