Hasil Pencarian  ::  Simpan CSV :: Kembali

"Penelitian ini menjelaskan dampak kredibilitas Bank Sentral terhadap inflasi di Indonesia. Dampak kredibilitas Bank Sentral dianalisis pada tingkat produsen maupun konsumen. Untuk mengukur kredibilitas Bank Sentral, penelitian ini menggunakan indeks kredibilitas bernilai 0 (zero credibility) hingga 1 (perfect credibility). Metode Generalized Method of Moments (GMM) digunakan untuk menganalisis dampak kredibilitas Bank Sentral terhadap inflasi. Berdasarkan hasil empiris, kredibilitas Bank Sentral cenderung lebih memengaruhi inflasi pada Indeks Harga Produsen (IHP) dibandingkan Indeks Harga Perdagangan Besar (IHPB) dan deflator Produk Domestik Bruto (PDB). Kredibilitas Bank Sentral lebih memengaruhi inflasi inti dibandingkan dengan inflasi umum. Dari hasil empiris diketahui bahwa kredibilitas Bank Sentral lebih memengaruhi inflasi pada sisi produsen dibandingkan konsumen.

---

This study is intended to explain the impact of central bank credibility on inflation in Indonesia at the producer and consumer level. In this study, Central Bank Credibility is measured using an index with values between 0 (zero credibility) and 1 (perfect credibility). Generalized Method of Moments (GMM) method is used to analyze the impact of central bank credibility on inflation. Based on the results, central bank credibility can reduce inflation on both producer and consumer price. Central bank credibility is more sensitive towards producer price index compared to Gross Domestic Product (GDP) deflator and wholesale price index while at the consumer level, central bank credibility is more sensitive towards core inflation compared to headline inflation."

"Penelitian ini bertujuan untuk menganalisis pengaruh faktor makroekonomi dan faktor spesifik bank terhadap Non-Performing Loans (NPL) pada bank di Indonesia selama periode 2014-2023. Data mencakup 42 bank umum konvensional terbuka dengan total 1680 observasi. Penelitian ini menggunakan metode fixed-effect model dan random- effect model. Penelitian ini menggunakan dua model. Model pertama menggunakan real interest rate sebagai faktor makroekonomi dan income diversification, capital adequacy ratio, operating inefficiency (BOPO), credit growth, bank profitability (ROA), dan bank size sebagai faktor spesifik bank. Pada model kedua, terdapat dua variabel tambahan yaitu long-term debt dan short-term debt yang bertujuan untuk melihat efek dari perubahan kondisi ekonomi makro melalui pinjaman terhadap NPL. Hasil penelitian menunjukkan bahwa faktor makroekonomi, yang diukur menggunakan real interest rate berdampak dalam menurunkan NPL secara signifikan. Untuk faktor spesifik bank, ditemukan bahwa income diversification, operating inefficiency, dan credit growth memiliki pengaruh positif dan signifikan terhadap NPL. Sebaliknya, capital adequacy ratio, pada model pertama menunjukkan pengaruh negatif dan signifikan terhadap NPL, sementara pada model kedua pengaruh tersebut negatif namun tidak signifikan. Faktor bank spesifik lain seperti bank size dan short-term debt mengakibatkan penurunan yang signifikan pada NPL. Selain itu, return on asset, long-term debt, dan periode COVID (sebagai variabel kontrol) juga menurunkan NPL namun tidak signifikan.

---

This study aims to analyze the influence of macroeconomic factors and bank- specific factors on Non-Performing Loans (NPL) in banks in Indonesia during the period 2014-2023. The data includes 42 publicly listed conventional commercial banks with a total of 1680 observations. This study employs fixed-effect and random-effect models. The study utilizes two models. The first model uses the real interest rate as a macroeconomic factor and income diversification, capital adequacy ratio, operating inefficiency (BOPO), credit growth, bank profitability (ROA), and bank size as bank- specific factors. In the second model, two additional variables are included, namely long- term debt and short-term debt, aiming to observe the effect of changes in macroeconomic conditions through loans on NPL. The results show that the macroeconomic factor, measured using the real interest rate, significantly reduces NPL. For bank-specific factors, it was found that income diversification, operating inefficiency, and credit growth have a positive and significant influence on NPL. Conversely, the capital adequacy ratio in the first model significantly reduced NPL, while in the second model, this effect is not significant. Other bank-specific factors, such as bank size and short-term debt, result in a significant reduction in NPL. Additionally, return on assets, long-term debt, and the COVID period (as a control variable) also reduce NPL but not significant."

"Penelitian ini memiliki tujuan untuk menganalisis pengaruh customer knowledge management dan innovation capability terhadap business performance yang terjadi dalam industri perbankan di Indonesia. Industri perbankan dipilih menjadi objek penelitian karena merupakan salah satu industri yang akhir-akhir ini sangat dipengaruhi oleh inovasi-inovasi berbasis teknologi. Fenomena ini menjadi suatu ancaman bagi entitas perbankan dengan model bisnis konvensional. Penelitian ini ingin melihat apakah manajemen informasi dan inovasi yang baik dapat mempengaruhi kinerja perusahaan secara keseluruhan. Sampel pada penelitian ini adalah Bank Pemberdayaan Rakyat dengan manajer kelas menengah sebagai unit observasi penelitian. Hasil penelitian menunjukkan bahwa customer knowledge management berpengaruh positif terhadap innovation capability dan innovation capability berpengaruh positif terhaadap business performance. Namun, dalam hubungannya dengan business performance, customer knowledge management hanya dapat berpengaruh positif jika melalui innovation capability sebagai variabel mediasi. Hanya mengumpulkan informasi dari nasabah tidak terbukti dapat memberikan pengaruh positif terhadap kinerja perusahaan. Perusahaan harus dapat menggunakan informasi tersebut dalam kegiatan inovasi mereka untuk meningkatkan kinerja perusahaan.

---

This study aims to analyze the effect of customer knowledge management and innovation capability to business performance in business units in the banking industry. Banking industry is chosen because they are one of the main industry that is currently disrupted by innovation based on technological development. This study aims to find out whether good customer knowledge management and innovation could affect the business performance. The samples in this study is BPR, with their middle-class manager as an observation unit. The results confirmed that customer knowledge management have positive effect on innovation capability and innovation capability also have positive effect on business performance. However, in its relationship with business performance, customer knowledge management could only positively affecting business performance through full mediation by innovation capability. Only gathering information from customer is proven that it cannot be significantly affecting business performance. Bank need to use the collective information to enhance their innovation capability in order to increase their business performance."