- Jakarta, Indonesia
ZAINUL KISMAN
Universitas Trilogi, Faculty of Economics and Business, Faculty Member
- Senior Lectureredit
Research Interests:
Abstrak Penelitian ini bertujuan untuk mengetahui tingkat kesehatan bank pada PT Bank Negara Indonesia (Persero),Tbk periode 2015-2019 dengan menggunakan pendekatan RGEC yang ditinjau dari aspek Risk Profile, Good Corporate Governance... more
Abstrak Penelitian ini bertujuan untuk mengetahui tingkat kesehatan bank pada PT Bank Negara Indonesia (Persero),Tbk periode 2015-2019 dengan menggunakan pendekatan RGEC yang ditinjau dari aspek Risk Profile, Good Corporate Governance (GCG), Earning, dan Capital secara keseluruhan. Jenis penelitian ini menggunakan deskriptif kuantitatif dengan subjek penelitian berupa PT Bank Negara Indonesia (Persero),Tbk tahun 2015-2019. Data diperoleh melalui teknik dokumentasi. Teknik analisis data menggunakan analisis kesehatan bank berdasarkan risiko (Risk Based Bank Rating) yang meliputi faktor-faktor RGEC. Hasil penelitian menunjukkan bahwa tingkat kesehatan Bank BNI selama tahun 2015-2018: (1) NPL masuk dalam kategori sehat, (2) LDR masuk dalam kategori cukup sehat, (3) GCG masuk dalam kategori baik, (4) ROA masuk dalam kategori sangat sehat, (5) NIM masuk dalam kategori sangat sehat, dan (6) CAR masuk dalam kategori sangat sehat. Kata kunci; tingkat kesehatan bank, Bank BNI, Risk Profile, GCG, Earning, Capital. Abstract This study aims to analyze the bank soundness on PT Bank Negara Indonesia (Persero),Tbk in 2015-2019 by using RGEC method as reviewed from Risk Profile, Good Corporate Governance (GCG), Earning, dan Capital. This research uses descriptive quantitative with research subject on PT Bank Negara Indonesia (Persero),Tbk period 2015-2019. Data obtained by documentation technique. Data analysis technique uses a risk-based bank health analysis (Risk Based Bank Rating) which includes the RGEC factors. The results showed the BNI's health level during 2015-2019: (1) NPL was in healthy category, (2) LDR was in fairly health category, (3) GCG was in good category, (4) ROA was in very healthy category, (5) NIM was in very healthy category, and (6) CAR was in very healthy category.
Research Interests:
Research Interests:
Research Interests:
Research Interests:
Financial experts have developed two approaches to measure the required return of stock, those are the Capital Asset Pricing Model (CAPM) and Arbitrage Pricing. Theory (APT). CAPM explains that stock return is the sum of the risk free... more
Financial experts have developed two approaches to measure the required return of stock, those are the Capital Asset Pricing Model (CAPM) and Arbitrage Pricing. Theory (APT). CAPM explains that stock return is the sum of the risk free rate plus beta times the excess return. While APT explain that return can be predicted by using a number of macro factors (such as GDP, inflation, and others).The purpose of this study was to determine whether there is an effect of the market excess return on LQ45 companies stock returns (using CAPM) and also whether there is an effect of the variable / factor Arbitrage Pricing Model(APT) as Gross Domestic Product and Interest rate on stock returns in period 2008-2010. By using multiple regression, the results show that CAPM and APT, with the t-test and F-test results are very significant. Based on coefficient of determination, APT is better than CAPM in predicting stock returns. The limitation of the model which is used in this study is depend on the capital market wheter efficient or not. This study differs from other studies due to be implemented in emerging capital markets and decisively APT better to determine the return.
Research Interests:
Research Interests:
In the future the role of Islamic Banking / Sharia should be developed as an alternative source of corporate financing in addition to conventional bank financing. The role of this institution is increasing because based on survey Islamic... more
In the future the role of Islamic Banking / Sharia should be developed as an alternative source of corporate financing in addition to conventional bank financing. The role of this institution is increasing because based on survey Islamic Depelovment Bank for certain types of risks attached to Islamic Bank is relatively easier to manage it compared with conventional banks. Easier risk management results in lower financing risks, making it easy to compete because it is profitable for banks, corporations and the economy. The survey results show that in Islamic Bank: Capital is quite good, Capital and Liquidity risk is low. Credit, market and operating risk moderate. More concerned about credit and liquidity risk. The most commonly used risk management techniques are Credit rating .
Keywords : Risk Management, Bank Syariah, Bank Konvensional
Keywords : Risk Management, Bank Syariah, Bank Konvensional
Research Interests:
One of dividend phenomenon on the stock exchange is declining of companies willingness to pay dividends. Somewhat confusing, in the Indonesia Stock Exchange when the issuer's earnings rose why do not influence the probability firm pays... more
One of dividend phenomenon on the stock exchange is declining of companies willingness to pay dividends. Somewhat confusing, in the Indonesia Stock Exchange when the issuer's earnings rose why do not influence the probability firm pays dividen. The question is actually what factors influence the probability of firms to pay or not pay dividen. The purpose of this research was to find answers of hypotheses. The hypothesis that there are the influence of Profit, Agency Costs, Investment Opportunity, Solvency, Size and Liquidity on the probability of the company to pay dividends or not. Result show Profit, Agency Costs and Liquidity has no significant influence because issuers generally are small companies with low profitability, investment opportunity so high that if make a profit even though high liquidity there are trends to retained earning for investment because expensive and difficult to find external funding. While the Agency Cost has no significant because the ownership of shares is concentrated in family or certain groups. Furthermore, Investment Opportunity, Solvency and Size conclude that has significant. Final conclusion, there is a reluctance in IDX listed companies pay dividends because the conditions of profitability, liquidity and concentration of ownership of the company.