This study aims to determine how to manage bank risk management, the advantages, benefits and barriers in implementing risk management in banks and the impact of risk management related to pillars of Indonesia Banking Architecture (API). The method used in this research is descriptive analysis of the qualitative approach. The result shows that, how to manage risk can be done by identifying risks, each risk measure, monitor and control risks.
Benefits of risk management is to create a strong banking infrastructure in order to improve the competitiveness of the bank but have constraints on low surveillance systems. The impact of the implementation of risk management have a good effect related to the implementation pillars of indonesia banking architechture so that the structure of banking system healthy, independent and effective supervision, a strong banking industry, and protected consumer. Keywords: API, Benefits, Pillars, Risk Management, Risk Profile.
Majid Department of Islamic Economics, Faculty of Economics, Syiah Kuala University, Banda Aceh Indonesia BD. Received his Sarjana Ekonomi (SE) from Syiah Kuala University, Indonesia, in 1995. He completed his Master of Economics (M.Ec.) and Ph.D. In Financial Economics from the International Islamic University Malaysia (IIUM) in 1998 and 2005, respectively.
Kumpulan Skripsi Perbankan
He is the Head of Islamic Economics Department, Faculty of Economics, Syiah Kuala University, Indonesia. His research interests include financial economics, applied econometrics, Islamic economics, banking and finance. He has published more than 50 articles in international refereed journals such as International Journal of Emerging Markets, Global Economic Review, Journal of Asia-Pacific Business, Studies in Economics and Finance, International Journal of Managerial Finance, Journal of Economic Cooperation and Development, Review of Islamic Economics, and JKAU: Islamic Economics. He has also presented his papers in various seminars locally and internationally. Author’s contact details: Department of Islamic Economics, Faculty of Economics, Syiah Kuala University, Banda Aceh, Indonesia; e-mail: hannanan@ gmail.com; phone: +553.
Said Musnadi Department of Management, Faculty of Economics, Syiah Kuala University, Banda Aceh Indonesia MUSNADI, Said obtained his PhD from Padjadjaran University. He is a senior lecturer at the Faculty of Economics, Syiah Kuala University, Indonesia. His research interests include banking, capital markets, financial planning, and managerial finance. He has published few articles in the refereed journals and attended several seminars locally and internationally. Author’s contact details: Department of Management, Faculty of Economics, Syiah Kuala University, Banda Aceh, Indonesia; e-mail: [email protected]. This research empirically and comparatively examines the quality of conventional and Islamic banks’ asset management in Indonesia during the period 2009-2011.
Four general conventional banks i.e., Bank Mandiri Indonesia (BMI), Bank Rakyat Indonesia (BRI), Bank Central Asia (BCA), and Bank Nasional Indonesia (BNI) and four Islamic banks (Bank Muamalat, Bank Syariah Mandiri, Bank Syariah Mega Indonesia, and Bank Syariah BRI) were, respectively, explored. Specifically, the purpose of this study is to compare the quality of the Islamic and conventional banks’ asset management with the CAMEL (capital, asset, management, earning, and liquidity) method. It also attempts to analyse the influences of the ROA (Return on Asset), TLTA (Total Loan to Total Assets), and OITL (Operating Income to Total Liabilities) on the quality of the banks’ asset management. The CAMEL method was used to evaluate the quality level of the banks’ asset management, while the multiple regression analysis was then adopted to explore the determinants of the quality of the banks’ asset management. The study documented that Bank Syariah BRI was the best performing bank, with the highest CAMEL score of 50.33, while Bank Mandiri Indonesia was the worst performer with the lowest CAMEL score of 26.33.
Contoh Skripsi Perbankan Syariah Pdf
As a group, the Islamic banks were found to have better rankings, i.e., positions 1, 2, 3, and 6, while the conventional banks were found in 4, 5, 7, and 8, respectively. The study proved that the Islamic banks have a better asset management quality compared to their conventional counterparts. The Islamic banks were also proved to be better able to withstand the risks, particularly the financing risk.
Competition in Banking for attractcustomers candidate trigered in several element, one of those are growth from bank who can grown in people fund process. In addition to it, there are other several element that reputed to influence customers candidate for decide its banks choice too, that several element was product quality, system characteristic, and bank services. Analysis technique that used are double linier regresion and to test the hypotheses use t-test and F-test with 0,05 signification level.
Based on research, found result that bank system characteristic and services had a positive influential and significant to customers decision to saving, mean while bank product quality doesn't had a positive and significant influential to customers decision to saving. To increase customers trust and loyalty to bank, bank it self must re-optimalized the product quality that offered to customers so that customer can get a satisfaction in case of using the bank service.
Contoh Skripsi Perbankan Syariah
Keyword: Customers decision to saving, product quality, system characteristic, and bank services.
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