Kasmir

Bio: Kasmir is an academic researcher. The author has an hindex of 4, co-authored 6 publications receiving 391 citations.

Dasar-dasar perbankan

Abstract: Buku ini menawarkan pengetahuan bank secara umum, termasuk penggolongan bank, organisasi, jenis usaha, pengelolaan dana dan kredit, pemasaran jasa bank, serta manajemen risiko, audit, dan tingkat kesehatan bank.

Bank Dan Lembaga Keuangan Lainnya

Abstract: Buku ini membahas tentang seluk beluk lembaga keuangan secara lengkap dan mendalam, baik lembaga keuangan bank maupun non-bank.

An Analysis of Islamic Banking Performance: Maqashid Index Implementation in Indonesia and Jordania

Abstract: The discourse on the presence of Islamic banking in the global era went broadly and extensively. It is because the society has begun realizing the existence of Islamic banking. Islamic banking does able to show its resilience and endurance facing the global financial crisis. A part from its positive growth, there exist a critical issue related to it performance measurement. For the time being, the performance measurement of Islamic banking industries merely uses the financial ratio measurement (shareholder oriented). Indeed, this financial ratio measurement is necessary but unfortunately not sufficient. Therefore, Islamic banking that is different from conventional banking both in theory and practice, needs a shifting paradigm in term of their performance measurement which not only limited to the financial ratios (stakeholders oriented). This paper would like to apply Maqashid Index approach for the measurement of Islamic banking industry performance. The object of this research is Islamic banking industries in Indonesia (Bank Syariah Mandiri and Bank Muamalat Indonesia) and Jordan (Jordan Islamic Bank and Islamic International Arab Bank Jordan)). Using Maqashid Index approach with SAW (Simple Additive The weighting) method, it can be concluded from the first measurement using Maqashid Index that Islamic banking industries in Indonesia which represented by BMI (0.17839) and BSM (0.16190) show better performance in comparison with Islamic banking industries in Jordan, namely IIABJ (0.10295) and JIB (0.08152).

Hubungan efisiensi operasional dengan kinerja profitabilitas pada sektor perbankan yang go publik di bursa efek jakarta

Abstract: The aims of this research are first, to value the relationship between a level of the operational efeciency and a banking performance profitability at Jakarta Stock Exchange (JSX), then to explain a level of the operational efeciency for giving the information about banking performance profitability at Jakarta Stock Exchange. The population of this research are 25 banks that is listed at JSX from Indonesian Capital Market Directory in 2006. this population is becoming the sample for this published by Research Division and Development. Meanwhile, an object is financial report form 31 st December 2004 until 31 Desember 2006. a model and a method for the analysis is multiple regression that has been modified to final the assumption multivariate linier model. The result are firstly, from sig F has 0,000 is smaller than 0,05 so it could be said that the independent variable has an influence to the dependent variable. Then, R2 is 0,792, it means that an independent variables can gives simultant contribution to dependent variable about 79,2% on the otherhand 20,8% is influenced by another variables. Finally, based on sig t BOPO variable to ROA, CAR has smaller than 0,05 partially influences ROA but MSDN and LDR do not have significant influence because sig t is bigger than 0,05 eventhough regression coeficient has a positive result. Key Words : MSDN, BOPO,CAR, LDR, ROA.

Pengaruh Risiko Kredit, Likuiditas, Kecukupan Modal, dan Efisiensi Operasional terhadap Profitabilitas pada PT BPD Bali

Abstract: Profitabilitas merupakan kemampuan bank untuk memperoleh laba selama periode tertentu. Tingkat profitabilitas yang fluktuatif pada suatu bank akan berdampak terhadap kepercayaan masyarakat dan perkembangan usaha bank itu sendiri. Profitabilitas di dalam perbankan dipengaruhi oleh beberapa faktor antara lain risiko kredit, likuiditas, kecukupan modal, dan efisiensi operasional. Demi menghadapi persaingan di dunia perbankan dan untuk menjaga kepercayaan serta tuntutan masyarakat di era global, setiap bank hendaknya menjaga tingkat kesehatannya terutama profitabilitas. Penelitian ini dilakukan pada PT Bank Pembangunan Daerah Bali periode 2009-2013. Penelitian ini menggunakan laporan keuangan pada PT Bank Pembangunan Daerah Bali, dengan pengamatan yang dilakukan setiap bulan selama periode 2009-2013 sehingga mendapatkan 60 pengamatan. Teknik analisis data yang digunakan adalah analisis regresi linier berganda. Berdasarkan hasil analisis ditemukan bahwa risiko kredit berpengaruh negatif signifikan terhadap profitabilitas, likuiditas berpengaruh positif signifikan terhadap profitabilitas, kecukupan modal berpengaruh negatif tidak signifikan terhadap profitabilitas, dan efisiensi operasional berpengaruh negatif signifikan terhadap profitabilitas.

Internal factors and non-performing financing in Indonesian Islamic rural banks

Abstract: This study aims to analyse the influence of banks’ internal factors on Non-Performing Finance (NPF) at Islamic rural banks (IRBs) in Indonesia. IRBs has important factor in the economic activities ...

The Influence of Risk Management to the Return on Asset (ROA) Banking Sector (Case Study of Bank in Indonesia Listed in Indonesia Stock Exchange)

Abstract: As companies in general, commercial banks in the operational as well have a goal to be able to get the maximum profit. Therefore, banks must maintain its financial ratios adjusted for the decision of Bank Indonesia as well as maintain its performance in order to remain trusted by customers in the economic activities. This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Non-Performing Loan (NPL), Net Interest Margin (NIM) an Operating Expenses to Operating Income Ratio (OEOI) to the Return on Assets (ROA) of bank in Indonesia listed in Indonesia Stock Exchange in the period 2007 - 2011. 25 banks are investigated and 17 of them are chosen as samples.The analysis technique of this study used in this study is multiple linear regressions to obtain a comprehensive picture of the relationship between variables that one with the other variables. In addition, the hypothesis test used was the t-test statistic for testing the partial regression coefficient and test F-statistic for testing significance together with the significance level of 5%. The results of this study indicate that NPL and OEOI significantly and negatively related to ROA banking sector, CAR, LDR, and the NIM has non-significant impact on ROA in banking sector. The results of this study is expected that the variable CAR, LDR, NPL, NIM, and OEOI can used as guidelines for the management of banks in managing a bank in order to become a healthy bank.