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"Dengan tingginya risiko sistem keamanan yang ditimbulkan perusahaan financial technology membuat diperlukannya proses manajemen risiko dari pihak regulator untuk mengurangi mengurangi potensi fallibility/kerawanan sistem keamanan pada perusahaan financial technology bidang peer to peer lending di Indonesia. Dalam proses pelaksanaannya diperlukan kerjasama antara Otoritas Jasa Keuangan, Kementerian Komunikasi dan Informasi serta Asosiasi Fintech Pendanaan bersama Indonesia (AFPI). Penelitian ini mengacu pada teori risk management in public sector dan dalam menganalisis digunakan framework COSO ERM. Pendekatan dalam penelitian ini menggunakan pendekatan post- positivist dengan teknik pengumpulan data melalui wawancara mendalam dengan beberapa aktor yang terlibat dan studi kepustakaan. Hasil dari penelitian ini menunjukkan bahwa manajemen risiko yang dilakukan pemerintah yaitu Otoritas Jasa Keuangan (OJK) serta Kementerian Komunikasi dan Informasi (Kominfo) terbukti dapat mengurangi potensi fallibility security system pada perusahaan fintech peer to peer lending karena sudah memenuhi enam dari tujuh indikator, yakni pengawasan dan tata kelola risiko, struktur operasional, identifikasi risiko, tingkat keparahan risiko, prioritas riisiko, dan respons risiko. Namun terdapat satu indikator yang tidak terpeuhi yaitu komitmen dalam nilai inti entitas. Selain itu, penyebab dari kerawanan sistem keamanan perusahaan fintech peer to peer lending dapat dipengaruhi oleh faktor internal yaitu penerapan standar pengamanan data perusahaan, sumber daya perusahaan, serta ketersediaan roadmap manajemen risiko. Sedangkan, faktor eksternal yang mempengaruhi adalah ketidakpastian peraturan pemerintah, dalam kasus ini peraturan pemerintah sangat penting dalam melakukan proses pelaksanaan manajemen risiko.

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The high risk of the security system posed by financial technology companies requires a risk management process from the regulator to reduce the potential fallibility of security systems in financial technology companies in the peer to peer lending sector in Indonesia. In the implementation process, cooperation between the Financial Services Authority, the Ministry of Communication and Information and the Indonesian Joint Funding Fintech Association (AFPI) is required. This research refers to the theory of risk management in the public sector and in analyzing the COSO ERM framework is used. The approach in this study uses a post-positivist approach with data collection techniques through in-depth interviews with several actors involved and literature study. The results of this study indicate that risk management carried out by the government, namely the Financial Services Authority (OJK) and the Ministry of Communication and Information (Kominfo), is proven to reduce the potential fallibility of the security system in peer to peer lending fintech companies because it fulfills six of the seven indicators, namely supervision. and risk governance, operational structure, risk identification, risk severity, risk priority, and risk response. However, there is one indicator that is not fulfilled, namely commitment in the core values of the entity. In addition, the cause of the security system vulnerabilities of peer to peer lending fintech companies can be influenced by internal factors, namely the implementation of standards for securing company data, company resources, and the availability of risk management roadmaps. Meanwhile, the external factor that affects is the uncertainty of government regulations, in this case government regulations are very important in carrying out the process of implementing risk management."

"Penelitian ini ingin mengetahui faktor-faktor keuangan dan non keuangan yang mempengaruhi tingkat kesehatan Bank Perkreditan Rakyat (BPR). Faktor-faktor keuangan yang diteliti adalah CAR, NPL, ROA dan LDR serta faktor non keuangan adalah Manajemen. Metode penelitian yang digunakan adalah pengolahan data dan uji statistik dengan melakukan regresi faktor-faktor dimaksud terhadap nilai tingkat kesehatan BPR.Hasil regresi parsial menunjukkan bahwa ternyata faktor keuangan berupa CAR dan LDR tidak mempengaruhi tingkat kesehatan BPR sedangkan faktor NPL, ROA dan faktor Manajemen mempengaruhi tingkat kesehatan BPR.Sementara itu dari hasil regresi diketahui bahwa secara bersama-sama semua faktor mempengaruhi tingkat kesehatan BPR dan NPL merupakan faktor yang paling besar mempengaruhi tingkat kesehatan BPR.

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This thesis measures the Financial and Non Financial Factors that influence the Soundness of Rural Bank. Financial factors that are analyzed in this thesis are Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Return On Assets (ROA), Loan to Deposit Ratio (LDR), and non financial factor is Management Index.The result of statistical test (in partial) indicates that CAR and LDR have no correlation and influence to soundness of rural bank, but NPL, ROA and Management Index have influence over the other factors.The result of regression analysis provide evidence that all of independent factorsinfluence the soundness of rural bank and NPL the factor that give more influencecompared to other factors."

"Many researchers have proven that there is a relationship between TQM implementation and organizational performance, especially financial performance ...."

"The research has purpose to examine the correlation between CAMEL as financial performance measurement of BPR according to Bank Indonesia regulation, and Economic Value Added (EVA) as the alternative financial performance measurement for banking. Susyanti et al (2003) find EVA has a better potention than analytical ratio of CAMEL to measure bank financial performance,but Purwanti (1999) finds EVA can explain significanly about the dividing of some group of companies that have a good or bad financial performance. Saraswati (2004) finds analysis of bank according to CAMEL?s method is significanly different with EVA?s method.The sample of this research are 214 BPR in Central Java that published their financial statement period 2009 by the Bank Indonesia?s website. The research variables are EVA and CAMEL which measured by NPL (non performing loan), KPMM (Kewajiban Penyediaan Modal Minimum), LDR (Loan to Deposit Ratio) and ROA (Return on Assets). EVA is measured by categorical, positive and negative, according to Young and O?Byrne approach (2001), and NPL, KPMM, LDR, and ROA are measured by categorical, good performance and bad performance, according to Bank Indonesia regulation. The hypothesis are tested by chi-square and crosstab analysis.The result shows that financial performance of BPR are measured by NPL, KPMM, and ROA have significant correlation with EVA, but LDR has no correlation with EVA. According to the crosstab analysis, the research find that financial performance of BPR in NPL has negative correlation with EVA, and financial performance of BPR in ROA has positive correlation with EVA."

"ABSTRAKKemajuan teknologi keuangan telah melahirkan konsep peer-peer lending (P2P Online lending yang membuka akses pinjaman tanpa peran lembaga keuangan seperti bank. Namun, perannya sebagai perantara membawa beberapa ancaman bagi pemberi pinjaman, yang mana mereka tidak selalu bisa mengharapkan jaminan keamanan seperti layanan bank konvensional, sehingga kredibilitas platform itu sendiri menjadi faktor penentu dan membuat pelapor memilih platform berdasarkan reputasi dan kepercayaannya. Penelitian ini mencoba untuk memahami persepsi investor terhadap platform P2P lending dan bagaimana reputasi tersebut. mempengaruhi kepercayaan pemberi pinjaman, dan apakah kepercayaan dapat menilai hubungan tersebut.Menggunakan 160 pemberi pinjaman Sebagai responden, penelitian ini dilakukan dengan menggunakan metode Moderated Regression Analysis (Linear Regression) dengan bantuan SPSS 23 untuk pengujian model yang diusulkan.Hasil penelitian menunjukkan bahwa keamanan dan perlindungan memiliki pengaruh terbesar pada reputasi platform. Reputasi itu sendiri ditemukan memiliki efek positif pada kesediaan untuk memberikan pinjaman. Sedangkan kepercayaan ternyata tidak memiliki efek moderasi, melainkan pengaruh positif terhadap keputusan investasi pemberi pinjaman sebagai variabel independen.

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ABSTRACTThe advancement of financial technology has given birth to the concept of peer-peer lending (P2P Online lending that opens access to loans without the role of an institution finance like a bank. However, its role as intermediary carries some threats to lenders, which they cannot always expect security guarantees like conventional bank services. So that credibility the platform itself becomes a determining factor and makes the informer choose a platform based on their reputation and trustworthiness. This research trying to understand investors' perceptions of P2P lending platforms and how that reputation affects lenders' confidence, and whether trust can judge the relationship. Using 160 lenders As respondents, this research was conducted using the Moderated Regression method Analysis (Linear Regression) with the help of SPSS 23 for model testing The proposed. The results show that security and protection have the biggest influence on a platform's reputation. Reputation itself was found to have a positive effect on willingness to provide loans. While trust It was found to have no moderating effect, but rather a positive influence on lenders' investment decisions as an independent variable."

"[ABSTRAK Tujuan penelitian ini adalah mengidentifikasi pengaruh Dana Pihak Ketiga (DPK), suku bunga rata-rata kredit modal kerja, Non Performing Loan (NPL), dan Produk Domestik Regional Bruto (PDRB) mempengaruhi penawaran kredit Bank Perkreditan Rakyat dan pengaruh Produk Domestik Regional Bruto (PDRB), inflasi kawasan, dan suku bunga rata-rata kredit modal kerja mempengaruhi permintaan kredit Bank Perkreditan Rakyat. Penelitian ini menggunakan metode panel data dan menguji regresi dengan model random effect model atas kemungkinan perbedaan kawasan dan waktu. Studi membuktikan bahwa DPK, suku bunga rata-rata kredit modal kerja, NPL, dan PDRB secara bersama-sama memiliki pengaruh yang signifikan terhadap penawaran kredit. Lalu, PDRB, inflasi kawasan, dan suku bunga rata-rata kredit modal kerja secara bersama-sama mempengaruhi permintaan kredit.

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ABSTRACT The purpose of this study is to identify the impact of third party funds, average lending rate of working capital, non performing loan (NPL), and gross domestic regional products (GDRP) to affect credit supply of Rural Regional Bank and the affect of gross domestic regional product (GDRP), region?s inflation, and average lending rate of working capital affect the credit demand of Rural Regional Bank. This study using panel data method and regression with random effect model from model possibility of the region and time differences. The study proved that third party funds, average lending rate of working capital, NPL, and GDRP simultaneously having significant affect on the credit supply. Then GDRP, region?s inflation, and average lending rate of working capital simultaneously affect the credit demand.;The purpose of this study is to identify the impact of third party funds, average lending rate of working capital, non performing loan (NPL), and gross domestic regional products (GDRP) to affect credit supply of Rural Regional Bank and the affect of gross domestic regional product (GDRP), region?s inflation, and average lending rate of working capital affect the credit demand of Rural Regional Bank. This study using panel data method and regression with random effect model from model possibility of the region and time differences. The study proved that third party funds, average lending rate of working capital, NPL, and GDRP simultaneously having significant affect on the credit supply. Then GDRP, region?s inflation, and average lending rate of working capital simultaneously affect the credit demand.;The purpose of this study is to identify the impact of third party funds, average lending rate of working capital, non performing loan (NPL), and gross domestic regional products (GDRP) to affect credit supply of Rural Regional Bank and the affect of gross domestic regional product (GDRP), region?s inflation, and average lending rate of working capital affect the credit demand of Rural Regional Bank. This study using panel data method and regression with random effect model from model possibility of the region and time differences. The study proved that third party funds, average lending rate of working capital, NPL, and GDRP simultaneously having significant affect on the credit supply. Then GDRP, region?s inflation, and average lending rate of working capital simultaneously affect the credit demand.;The purpose of this study is to identify the impact of third party funds, average lending rate of working capital, non performing loan (NPL), and gross domestic regional products (GDRP) to affect credit supply of Rural Regional Bank and the affect of gross domestic regional product (GDRP), region?s inflation, and average lending rate of working capital affect the credit demand of Rural Regional Bank. This study using panel data method and regression with random effect model from model possibility of the region and time differences. The study proved that third party funds, average lending rate of working capital, NPL, and GDRP simultaneously having significant affect on the credit supply. Then GDRP, region?s inflation, and average lending rate of working capital simultaneously affect the credit demand., The purpose of this study is to identify the impact of third party funds, average lending rate of working capital, non performing loan (NPL), and gross domestic regional products (GDRP) to affect credit supply of Rural Regional Bank and the affect of gross domestic regional product (GDRP), region’s inflation, and average lending rate of working capital affect the credit demand of Rural Regional Bank. This study using panel data method and regression with random effect model from model possibility of the region and time differences. The study proved that third party funds, average lending rate of working capital, NPL, and GDRP simultaneously having significant affect on the credit supply. Then GDRP, region’s inflation, and average lending rate of working capital simultaneously affect the credit demand.]"

"Perbankan memiliki peranan yang vital sebagai perantara (intermediaries) sektor keuangan. Untuk sektor perbankan mikro (microbanking), maka BPR (Bank Perkreditan Rakyat) memiliki posisi yang strategis. Sejak awal keberadaannya BPR telah memiliki misi membantu masyarakat miskin, terutama di wilayah pedesaan, yakni memberikan akses terhadap pelayanan keuangan. Namun agar tetap dapat berkelanjutan, BPR juga harus mampu menghasilkan keuntungan yang memadai. Untuk itu BPR juga harus memiliki kinerja keuangan yang baik. Dengan data-data utama bersumber dari laporan keuangan BPR di wilayah Jabodetabek, Jawa Barat, dan Banten, penelitian ini bermaksud mengeksplorasi faktor-faktor yang dianggap berhubungan erat dan signifikan pengaruhnya terhadap kinerja keuangan BPR. Kemudian, analisis lebih lanjut juga dilakukan untuk melihat kinerja keuangan dan jangkauan (outreach) dari BPR. Penelitian ini bersifat kuantitatif dengan metode Anova dan Regresi Linier Berganda, namun didukung dengan informasi kualitatif deskriptif.Hasil penelitian menjelaskan bahwa faktor-faktor efisiensi operasional dan pengelolaan kualitas aktiva yang baik merupakan faktor utama peningkatan kinerja keuangan. Selanjutnya peningkatan kinerja keuangan BPR tetap dapat sejalan dengan pencapaian misi sosial yaitu menjangkau masyarakat miskin. Namun seiring pertumbuhannya BPR juga ternyata mulai mengalami gejala pergeseran misi. BPR juga masih terkendala struktur biaya yang tinggi yang berakibat pada tingginya suku bunga pinjaman diberikan. Kemudian ditemukan hasil bahwa BPR yang dimiliki oleh pemerintah daerah dan BPR yang berlokasi di pedesaan masih mengedepankan misi sosial yakni pelayanan kepada nasabah miskin.

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Bank plays a vital role as intermediaries in the financial sector, as well as microbanking sector, in which BPR (people credit bank) has strategic position. BPR has, in the first place, been setting up mission to assist the poor, particularly those in the rural areas; through providing access to financial services. However, to be sustainable, BPR must also be able to produce reasonable amount of profits. Therefore, BPR should be having a good financial performance as well. With main data from BPR?s financial statements, BPRs in Jabodetabek, West Java and Banten, this research endeavors to explore determinants that highly and significantly correlate with BPR?s financial performance. A further analysis then conducted to explain financial performance and BPR?s outreach. This is a quantitative research which contains Anova method and Multiple Regression Analysis, supported with descriptive qualitative information.Results show that operational efficiency and sound asset quality management are principal factors in improving financial performance. Thus, improving financial performance could also go hand in hand with attaining social mission i.e. reaching the poor. But, along with its growth it turns out that BPR begins to experience mission drift phenomenon. BPR is still also facing high cost structure that has impact on the high interest rate charged on loan given. Moreover, it was found that BPR owned by local government as well as BPR located in rural setting is still stay true to social mission that is serving poor clients."

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Dalam beberapa waktu terakhir financial technology atau biasa disebut fintech mengalami pertumbuhan yang amat pesat.  Salah satu kategori fintech yang sedang marak perkembangannya ialah peer to peer lending. Peer to peer lending menghubungkan akses pinjam dan meminjam dana berbasis online tanpa harus bertatap muka antara peminjam  (borrower) dan pendana (lender). Pada negara Indonesia peer to peer lending memiliki pertumbuhan jauh lebih pesat ketimbang pertumbuhan bank bila dilihat dari sisi akumulasi dana yang dipinjamkan kepada nasabah, dimana dalam dua tahun beroperasi akumulasi pinjaman yang telah disalurkan peer to peer lending mencapai 25 Triliun Rupiah. Karena terkenal dengan berbagai risiko serta kejahatan dari peer to peer lending di negara lain, banyak masyarakat masih terbilang ragu untuk berinvestasi pada peer to peer lending. Maka dari itu, para perusahaan peer to peer lending yang beroperasi di Indonesia membutuhkan strategi yang untuk meningkatkan keinginan meminjamkan dana (willingness to lend) pada masyarakat. Dalam pembuatan strategi tersebut, akan diteliti pengaruh faktor faktor yang signifikan dalam mempengaruhi keinginan meminjamkan dana (willingness to lend). Setelah didapatkan faktor tesebut, penelitian ini akan menggunakan importance-satisfacion analysis berdasarkan diskusi dengan expert dalam menentukan strategi mana yang tepat untuk dilakukan perusahaan peer to peer lending dalam meningkatkan keinginan meminjamkan dana (willingness to lend) serta meningkatkan satisfaction pada masyarakat Indonesia.

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In recent years, financial technology or commonly called fintech experienced very rapid growth. One of the categories of fintech that is booming is peer to peer lending. Peer to peer lending connects online loan access and borrowing funds without having to meet face to face between the borrower and lenders. In Indonesia, peer to peer lending has a much faster growth than bank growth when viewed from the side of accumulated funds lent to customers, where in the two years of operation accumulated loans that have been channeled reached 25 Trillions Rupiah. Because it has known for its various risks and crimes from peer to peer lending in other countries, many people are still fairly hesitant to invest in peer to peer lending. Therefore, peer to peer lending companies which operated in Indonesia need a strategy to increase willingness to lend to the community. In making this strategy, the effect of factors that are significant in influencing willingness to lend will be examined. After obtaining these factors, this study will use importance-satisfacion analysis based on discussion with expert in determining which strategy is right for the company to increasing the willingness to lend as well as increasing satisfaction in Indonesian society

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"Laporan magang ini ditulis dengan tujuan menganalisis kinerja FGD (bukan nama sebenarnya) selama tiga periode, yaitu Desember 2023 hingga Februari 2024. FGD merupakan perusahaan yang bergerak di bidang jasa keuangan. Analisis dilakukan terhadap proses dan hasil dari tiga laporan yang dibuat secara internal oleh perusahaan, yaitu laporan WAIR, laporan kepada ALCO, dan laporan segmen. Laporan WAIR adalah laporan yang berisi perhitungan rata-rata tingkat bunga dari seluruh kontrak piutang pembiayaan. Laporan kepada ALCO adalah laporan yang berisi rasio-rasio keuangan sebagai indikator kinerja perusahaan seperti yang telah diatur oleh OJK. Laporan segmen adalah laporan yang berisi perubahan nilai akun laporan laba/rugi serta analisis lebih lanjut terkait akun utama penyebab perubahan tersebut. Berdasarkan hasil analisis, kinerja FGD dapat dianalisis dengan baik dan relevan berdasarkan proses dan hasil dari ketiga laporan tersebut meskipun terdapat ketidaksesuaian dan inkonsistensi dalam penggunaan aturan OJK dalam penetapan dan perhitungan rasio-rasio keuangan di laporan kepada ALCO.

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This internship report was written with the aim of analyzing the performance of FGD (not its real name) over three periods, namely December 2023 to February 2024. FGD is a company operating in the financial services sector. Analysis was carried out on the process and results of three reports made internally by the company, namely the WAIR report, the report to ALCO, and the segment report. The WAIR report is a report that contains calculations of the average interest rate for all financing receivable contracts. The report to ALCO is a report containing financial ratios as indicators of company performance as regulated by the OJK. A segment report is a report that contains changes in the value of profit/loss report accounts as well as further analysis regarding the main account that caused the change. Based on the results of the analysis, the performance of the FGD can be analyzed properly and relevantly based on the process and results of the three reports even though there are discrepancies and inconsistencies in the use of OJK rules in determining and calculating financial ratios in reports to ALCO."