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Abstrak :
Pada 2009-2018, tingkat Rasio Kecukupan Modal (CAR) di ASEAN-5 sedang dalam tren naik. Sementara itu, efisiensi keuntungan bank dalam tren menurun. Fenomena ini tidak sesuai dengan temuan dari estimasi linear dimana CAR dan efisiensi laba bank memiliki hubungan positif. Penulis kemudian menguji hubungan non-linearitas di bawah hipotesa Expected Bankruptcy Cost. Hipotesis menunjukkan bahwa hubungan antara modal dan kinerja bank adalah positif non-linear atau U terbalik. Skripsi ini menguji apakah dampak CAR terhadap efisiensi laba bank sebagai proksi kinerja bank di ASEAN-5 adalah secara non-linear. Penulis menghitung efisiensi laba bank menggunakan Stochastic Frontier Analysis (SFA). Untuk menguji hubungan antara CAR dan efisiensi laba bank di ASEAN - 5, sistem GMM digunakan. Temuan estimasi non-linear adalah CAR dan efisiensi keuntungan bank di ASEAN - 5 memiliki hubungan non-linier positif atau U terbalik yang sesuai dengan hipotesa Expected Bankruptcy Cost. Di bawah hipotesis, jika modal bank lebih tinggi dari nilai optimalnya, peningkatan modal akan mengurangi kinerja bank. Ini sesuai dengan temuan yang berarti CAR di ASEAN - 5 saat ini sedang di atas nilai optimalnya, oleh karena itu, meningkatkan CAR akan menurunkan efisiensi keuntungan bank. ...... From 2009 – 2018, Capital Adequacy Ratio (CAR) level in ASEAN – 5 is in an uptrend. Meanwhile, bank’s profit efficiency is in a downtrend. This phenomenon doesn’t match the finding from linear estimation that CAR and bank’s profit efficiency has a positive relationship. The author then looks to test for non-linearity relationship under Expected Bankruptcy Cost Hypothesis. The hypothesis shows that the relationship between capital and bank’s performance is positive non-linear or inverted U. This undergraduate thesis test whether the impact of CAR to bank’s profit efficiency as the proxy of bank’s performance in ASEAN – 5 is in a non-linear way. The author calculates the bank’s profit efficiency using Stochastic Frontier Analysis (SFA). To test the relationship between CAR and bank’s profit efficiency in ASEAN – 5, system GMM is used. The finding of the non-linear estimation is CAR and bank’s profit efficiency in ASEAN – 5 has a positive non-linear or inverted U relationship which correspond with the Expected Bankruptcy Cost Hypothesis. Under the hypothesis, if bank’s capital is higher than its optimum value, increasing capital will reduce bank’s performance. This match with the finding which means that the CAR in ASEAN – 5 is currently above its optimum value, therefore, increasing the CAR will result in the decrease of bank’s profit efficiency.

Abstrak :
This paper is about the cost and profit efficiency of Indonesias life insurance industry. Using data from 2010 2014, we compare cost and profit efficiency among local and joint venture insurers. Our empirical analysis, based on a time invariant translog cost model, reveals mean cost allocation and profit efficiency scores of 0.36 and 0.52, respectively. Interestingly, we find that domestic insurers are more cost efficient compared to joint venture insurers; however, joint venture insurers maximize profit more.

Abstrak :
ABSTRAK
Tulisan ini mengangkat analisis pada praktik tata kelola governance Gapoktanhut Jati Mustika dalam implementasi program pinjaman tunda tebang di Desa Tempuran, Kabupaten Blora menggunakan pendekatan kualitatif. Melalui analisis tersebut ditemukan adanya kesenjangan antara rancangan program dan implementasi program di lapangan. Kesenjangan tersebut kemudian ditemukan sebagai hasil dari praktik ilegal aparat negara state illegality yang melibatkan pengurus gapoktanhut dan perangkat Desa Tempuran. Praktik ilegalitas ini diketahui dan diakui keberadaannya oleh masyarakat di Tempuran, namun tetap dibiarkan terjadi begitu saja. Tulisan ini menunjukkan bagaimana praktik ilegalitas dapat bertahan di masyarakat dengan mengamatinya dari sudut pandang komunitas.

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ABSTRACT
This paper raise an analysis on Gapoktanhut Jati Mustika governance practice in the implementation of pinjaman tunda tebang program in Tempuran village, Blora Regency of Central Java using qualitative approach. Through this analysis it is found that there is a gap between the program rsquo s initial design, and its actual implementation in practice. That gap is later discovered to be a product of state illegality practice involving both the gapoktanhut and village officials. This practice of illegality is known and being acknowledge by the rest of the Tempuran community, yet they allow it to happen as it is. This paper tries to decipher how this practice of illegality can persist by observing it through the community point of view.