PROCEEDINGS. Aligning Competitiveness and Business Sustainability towards the Volatility of Global Environment

PROCEEDINGS ICEM 2013 - YOGYAKARTA, 27 NOVEMBER 2013

PROCEEDINGS

“Aligning Competitiveness and Business Sustainability towards the Volatility of Global Environment “ 27 November 2013 Hotel Sheraton Mustika Yogyakarta

ISBN: 978-602-14666-0-5

i


Perpustakaan Nasional RI: Katalog Dalam Terbitan PROCEEDINGS INTERNATIONAL CONFERENCE FOR EMERGING MARKETS (ICEM 2013) “Aligning Competitiveness and Business Sustainability towards the Volatility of Global Environment”

© Perbanas Institute

Cetakan Pertama, 2013 Hak Cipta dilindungi Undang Undang All Right Reserved Perancang Sampul dan Layout : Fangki A. Sorongan., ST., MM

Penerbit

Jl. Perbanas, Karet Kuningan, Setiabudi Jakarta, 12940 Telp (021) 5252533, 5222501-04 Fax (021) 5228460 www.perbanasinstitute.ac.id

ISBN : 978-602-14666-0-5 xi + 40 hal, 21 cm x 29.7 cm

Dilarang keras memfotokopi atau memperbanyak sebagian atau seluruh buku ini tanpa seizin tertulis dari penerbit ISBN: 978-602-14666-0-5

ii


KATA PENGANTAR

Puji dan syukur kami panjatkan ke hadirat Tuhan Yang Maha Esa, karena dengan berkat dan rahmatnya, kegiatan seminar dan call for paper ini dapat berjalan sesuai waktu yang direncanakan. The 1st International Conference for Emerging Markets (ICEM) tahun ini, sesuai dengan namanya merupakan kegiatan yang pertama kali dilaksanakan dan diharapkan menjadi agenda rutin tahunan Perbanas Institute Tema yang dipilih kali ini adalah “Aligning Competitiveness and Business Sustainability towards the Volatility of Global Environment.” Pemilihan tema ini dilandasi dengan pemikiran bahwa batas-batas geografi serta kendala-kendala ekonomi, hukum, sosial, dan budaya tidak dapat lagi menjadi alasan untuk berlindung dari persaingan bisnis antar negara. Siap atau tidak, lingkungan bisnis akan semakin kompetitif dan memaksa semua pihak berupaya untuk mendapatkan posisi strategis. Tantangan yang sudah di depan mata adalah pemberlakuan ASEAN Economic Communities (AEC) pada 2015. Karakterisitik utama dari AEC adalah (a) a single market and production base, (b) a highly competitive economic region, (c) a region of equitable economic development, and (d) a region fully integrated into the global economy. Dengan kondisi ini, kesiapan semua elemen di dalam suatu negara adalah sesuatu yang mutlak dan tidak dapat ditawar lagi. Untuk alasan itulah, maka ICEM 2013 ini diselenggarakan dengan maksud agar semua pihak, baik dari kalangan akademisi, peneliti, maupun praktisi dapat saling berdiskusi dan berbagi ilmu dan pengetahuan guna menyikapi berbagai perubahan-perubahan yang pasti akan terjadi. Sebagai pribadi dan mewakili seluruh personel yang tergabung di dalam Organizing Committee, kami mohon maaf karena acara yang direncanakan semula bertaraf internasional, tetapi karena satu dan lain hal, dan terutama karena kelemahan dan keterbatasan kami, kegiatan ini terpaksa dilaksanakan di dalam lingkup nasional. Di dalam kesempatan ini, ijinkan kami berterima kasih karena telah diberikan kesempatan menjadi penyelenggara, terutama kepada Bapak Prof. Dr. Ir. Marsudi Wahyu Kisworo selaku Rektor Perbanas Institute dan Ibu Dr. Wiwiek Prihandini, M.M. selaku Dekan Fakultas Ekonomi dan Bisnis. Ucapan terima kasih juga kami sampaikan kepada Para Pembantu Rektor Perbanas Institute, Steering Committee, dan para sponsor. Selanjutnya kepada kepada para pemakalah dan peserta seminar, kami berterima kasih atas partisipasinya di dalam kegiatan ini. Akhir kata, selamat berseminar dan berdiskusi. Semoga Tuhan selalu beserta kita.

Ketua Panitia ICEM 2013

Nicodemus Simu, S.E., M.M

ISBN: 978-602-14666-0-5

iii


SAMBUTAN REKTOR PERBANAS INSTITUTE Menghadapi Datangnya Abad Asia When the going gets tough, the tough gets going When the going gets tough, the tough gets ready I got something to tell you I got something to say I'm gonna put this dream in motion Never let nothing stand in my way (When the going gets tough, the tough gets going, lagu oleh Billy Ocean)

Sejarah menunjukkan bahwa pada abad ke 7 Nusantara pernah mengalami jaman keemasan ketika Kerajaan Sriwijaya yang berpusat di Palembang dihormati kewibawaannya dari Hawai sampai ke India. Setelah Sriwijaya runtuh, maka 7 abad kemudian yaitu pada abah ke 14, kembali Nusantara mengalami jaman keemasan ketika Majapahit dipimpin oleh Hayam Wuruk dan Gajah Mada. Begitu besar pengaruh Majapahit ini bahkan dirasakan dari Hawai sampai ke Afrika Selatan. Tidak heran kalau saat itu Kerajaan Mongol yang berhasil meruntuhkan kerajaan-kerajaan di India, Persia, bahkan meluluh-lantakkan Kerajaan Abassiyah di Baghdad takut untuk menyerbu ke selatan karena dikalahkan dan diusir oleh Raden Wijaya. Kalau siklus 7 abad ini terjadi lagi, maka pada abad ke 21 inilah Indonesia akan mengalami jaman keemasannya lagi Saat ini Indonesia dengan pendapatan rata-rata per penduduk mencapai sekitar Rp. 35 juta/tahun atau sekitar US$ 3200an dan pertumbuhan mencapai 6.4% per tahun, pertumbuhan ekonomi tertinggi setelah Cina, adalah kekuatan ekonomi ke 17 dunia. Lembaga riset ekonomi terkemuka dunia McKinsey meramalkan bahwa pada tahun 2030 nanti Indonesia akan menjadi kekuatan ekonomi dunia ke 7 mengalahkan Jerman dan Inggris. Bahkan kemudian pada tahun 2050 akan menjadi kekuatan ekonomi ke 4 atau ke 5 setelah Cina, India, dan Jepang atau Amerika karena pada saat yang sama Indonesia akan memperoleh bonus demografis dengan munculnya 90 juta kelas menengah dan 180 juta penduduk dewasa yang merupakan pasar yang sangat besar. Bersama dengan pertumbuhan Indonesia, negara-negara ASEAN lainnya seperti Vietnam, Laos, Kambodja, dan Myanmar mulai bangun dan melakukan reformasi besar-besaran. Di Asia, Cina, Korea, dan India mulai melaju menyusul Jepang yang lebih dahulu menjadi 5 besar ekonomi dunia. Karena itulah banyak ahli yang meramalkan bahwa abad ke depan adalah abad Asia. Dalam waktu yang tidak terlalu lama lagi, yaitu pada tahun 2015, bangsa Indonesia bersama-sama dengan 9 negara ASEAN lainnya akan memasuki era Pasar Tunggal ASEAN. Dalam era baru ini, pasar dari 10 negara anggota ASEAN akan menjadi satu kesatuan. Dalam pasar tunggal ini akan terjadi free flow of goods, free flow of services, dan free flow of people. Jacques Attali, seorang filsof Perancis, mengatakan bahwa persaingan antar bangsa akan menghasilkan dua kelompok bangsa-bangsa, yaitu bangsa-bangsa pemenang dan bangsa-bangsa pecundang. Bangsa pemenang dalam persaingan adalah bangsa yang memiliki kualitas dan kapasitas paripurna sehingga mampu untuk bertarung dan berkompetisi secara terbuka. Sedang bangsa pecundang adalah bangsa yang kualitas dan kapasitas rendah, dan akan tenggelam dalam penderitaan, kesengsaraan dan kehinaan, makin terpinggirkan dan ISBN: 978-602-14666-0-5

iv


makin lemah. Pasar Tunggal ASEAN diyakini akan membawa bangsa-bangsa ASEAN khususnya, dan Asia umumnya untuk tumbuh menjadi bangsa-bangsa besar di Abad Asia. International Conference on Emerging Markets 2013 ini adalah konferensi pertama yang diselenggarakan oleh Institut Perbanas untuk mempertemukan berbagai ide dan hasilhasil penelitian yang terkait dengan tumbuhnya pasar baru, baik ASEAN maupun Asia. Saya ucapkan terima kasih kepada para peserta seminar yang telah mengirimkan makalahnya untuk didiskusikan dalam konferensi ini. Juga terima kasih kepada seluruh pembicara sesi panel yang akan menyampaikan pikiran-pikirannya dalam keynote address. Terima kasih juga saya ucapkan kepada seluruh fihak yang telah mendukung acara ini. Terima kasih juga kepada seluruh panitia, baik steering committee maupun organizing committee yang telah bekerja keras sehingga ICEM yang pertama ini dapat terselenggara. Semoga ridho Tuhan Yang Maha Kuasa selalu menyertai kita.

Prof. Dr. Ir. Marsudi Wahyu Kisworo Rektor Perbanas Institute

ISBN: 978-602-14666-0-5

v


SUSUNAN PANITIA

STEERING COMMITTEE / REVIEWER Ketua

: Prof. Dr. Ir. Marsudi Wahyu Kisworo

Sekretaris

: Dr. Wiwiek Prihandini, Ak., M.M

Anggota

: Imam Wahyudi, Ak., M.Com. Hons., Ph.D Zaenal Abidin, S.E., M.B.M., Ph.D Patria Laksamana, S.E., M.B.A., Ph.D Dr. Steph Subanidja, S.E., M.B.A Dr. Umbas Krisnanto, S.E., M.M Dr. Wilfridus B. Elu, S.E., M.Si Dr. Harya D. Widiputra, S.T., M.Kom Dr. Endri., S.E., M.A Adi Susilo Jahja, S.E., M.M

ORGANIZING COMMITTEE Ketua

: Nicodemus Simu, S.E., M.M

Sekretaris

: Hedwigis Esti Riwayati, S.E., M.E

Sekretariat

: Agustina Ninawati, B.Sc Rini Hidayati, S.E

Bendahara

: Fitri Astuti, S.E

Publikasi

: Fangki A. Sorongan, S.T., M.M Dyah Nirmalawati, S.E., M.Si Nani Fitriani, S.Pd., M.Hum R. Adelina, S.S

Sponsorship

: Indra Siswanti, S.E., M.M Ferry Cahaya, S.E., M.M

Transportasi & Akomodasi : Sunarto, S.E., M.M Ruslan Abdulgani, S.E

ISBN: 978-602-14666-0-5

vi


DAFTAR ISI KATA PENGANTAR ............................................................................................................. iii SAMBUTAN REKTOR PERBANAS INSTITUTE ............................................................. iv SUSUNAN PANITIA ............................................................................................................. vi DAFTAR ISI .......................................................................................................................... vii DAFTAR ABSTRACT BANKING AND FINANCE (BF) BF01

BF02

BF03

BF04

BF05

BF06

BF07

ANALYSIS OF NON-PERFORMING FINANCING, OPERATING EXPENSES AND OPERATING INCOME, NET INTEREST MARGIN TO PROFITABILITY IN PT BANKSYARIAH MANDIRI Agus Salim, Dwi Fristika Sari .....................................................................

1

ANALYSIS OF FACTORS AFFECTING MURABAHAH FINANCING IN SHARIAH COMMERCIAL BANK Puji Hadiyati, Muhammad Iqbal ................................................................

2

PENGARUH UKURAN PERUSAHAAN, PROFITABILITAS DAN FINANCIAL LEVERAGE TERHADAP PRAKTIK PERATAAN LABA PADA PERUSAHAAN MANUFAKTUR YANG TERDAFTAR DI BURSA EFEK INDONESIA Fatmawati, Atik Djajanti .............................................................................

3

ANALISIS PERBANDINGAN KINERJA EMAS DENGAN INDEKS HARGA SAHAM GABUNGAN (IHSG) Amin Hudaya, Natali Yustisia .....................................................................

4

PENGARUH PEMBERIAN KREDIT KONSUMSI DAN NON PERFORMING LOAN (NPL) TERHADAP RETURN ON ASSET DAN RETURN ON EQUITY PADA BANK PERKREDITAN RAKYAT DI INDONESIA PER PROVINSI Eduardus Suharto, Indra Siswanti .............................................................

5

ANALISIS FAKTOR MAKRO EKONOMI YANG MEMPENGARUHI PERTUMBUHAN SIMPANAN MUDHARABAH PADA BANK UMUM SYARIAH DI INDONESIA PERIODE JANUARI 2009 – DESEMBER 2012 Irawati Junaeni, A Dewantoro Marsono ....................................................

6

ANALYSIS OF THE MARKET RETURN AND THE STOCK RETURN DISPERSIONS ON THE STOCKS LISTED IN THE INDEX LQ45 INDONESIAN STOCK EXCHANGE 2006-2012 Abdan Syakuro, Inung Wijayanti ...............................................................

7

ISBN: 978-602-14666-0-5

vii


BF08

BF09

BF10

BF11

DAMPAK REGULASI MODAL DAN KEPEMILIKAN TUNGGAL PADA PERSAINGAN INDUSTRI PERBANKAN DI INDONESIA Dyah Nirmalawati T, Hedwigis Esti R, Listijowati Hadinugroho ..........

8

YIELD CURVE ESTIMATION USING VASICEK APPROACH(CASE STUDY: MORTGAGE FINANCING AT 3 GOVERNMENT BANKS, PT. BANK MANDIRI TBK., PT. BANK RAKYAT INDONESIA TBK., AND PT. BANK NEGARA INDONESIA TBK) Harry Susatyo, Sudarso Kaderi Wiryono ..................................................

9

ANALYSIS INFLUENCE OF BI RATE, INFLATION AND THE EXCHANGE RATE OFRUPIAH TO US DOLLAR ON INDONESIA’S NATURAL RUBBER EXPORT TO JAPAN Willibrordus E. Gading, Hedwigis Esti Riwayati ......................................

10

VOLATILITAS PASAR MODAL SYARIAH DAN PASAR MODAL KONVENSIONAL DI KAWASAN ASIA DAN SEKITARNYA UNTUK PERIODE 2010 – 2012 A Dewantoro Marsono, Sodikun, Ridarmeli ..............................................

11

MARKETING (MT) MT01

MT02

MT03

MT04

MT05

MT06

MODEL PERFORMANCE OF THE SERVICE BANK Kesi Widjajanti .............................................................................................

12

THE EFFECT OF PRODUCT ATTRIBUTES DECISION TO PURCHASE BEAUTY PRODUCT Rossy Feramadhani, Pamela Magdalena ...................................................

13

HOW FAMILY DECIDE WHAT BRANDS AND QUALITY TO CHOOSE? Umbas Krisnanto ..........................................................................................

14

EFFECT OF ATMOSPHERIC STORES AND SALES PROMOTION FOR CUSTOMER LOYALTY CENTRO DEPARTMENT STORE IN THE PLAZA SEMANGGI Sisilia Sri Wiji Astuti, ErnaWahyuningsih, Endah Winarti, Chicilia Nova Yatna ....................................................................................................

15

LINKING THE TOURISTS' BEHAVIOR AND THE SUSTAINABILITY OF ECOTOURISM INDUSTRY Titik Desi, Etsa Astridya ..............................................................................

16

SENSORY CHOICE MOTIVES AND INTENTION TO PRODUCT PURCHASE: ATTITUDE AS MEDIATING TOWARD COLLLUSTRUM YOGHURT Lydia Ari Widyarini.....................................................................................

17

ISBN: 978-602-14666-0-5

viii


MT07

MT08

MT09

INFLUENCE OF IT INFRASTRUCTURE QUALITY TO CUSTOMER ACADEMIC SERVICE SATISFACTION IN ABFI INSTITUTE PERBANAS Deden Prayitno , Puji Rahayu, Riska Hanifah .......................................... CUSTOMER SEGMENTATION USING CLUSTERING METHODS TO SUPPORT EFFECTIVE MARKETING STRATEGY: A CASE STUDY AT PT KAMADJAJA LOGISTICS Arlingga Jayasaputra, Harya Widiputra ................................................... PENGUKURAN KESIAPAN SUMBERDAYA PEMBELAJARAN PADA IMPLEMENTASI PENDIDIKAN JARAK JAUH (E-LEARNING READINESS) DI IKPIA PERBANAS STUDI KASUS FAKULTAS FTI Deden Prayitno, Elliana Gautama, Riska Hanifah ..................................

18

19

20

STRATEGIC MANAGEMENT (SM) SM01

SM02

SM03

SM04

PENGARUH PERENCANAAN, PELATIHAN DAN PENGEMBANGAN SUMBER DAYA MANUSIA TERHADAP KEUNGGULAN KOMPETITIF PADA PT BANK RAKYAT INDONESIA KANTOR CABANG CIKARANG BEKASI Bingar Wicaksono Dharma, Tri Prihatini EKP ........................................

21

RHETORICAL STRATEGIES FOR CSR COMMUNICATION IN DEVELOPING ISLAMIC BANKING LEGITIMACY Adi Susilo Jahja, Patria Laksamana, Ovalia Rukmana ..........................

22

MENGELOLA PENOLAKAN TERHADAP PERUBAHAN DI BANK BTN Menggunakan Metodologi Serba Sistem Lunak Berbasis Riset Tindakan Stefanus Sadana, Septo Pramesworo, Rizka Zainab .................................

23

SOFT SKILLS: PROFESSIONAL ATTRIBUTES PERFORMANCE ACCOUNTANT MM. Tri S. Mildawani, Tiolina Evi ............................................................

24

ACCOUNTING (AC) AC01

AC02

AC03

COMPUTER BASED INFORMATION SYSTEM CONTROL: VIDEO AND AUDIO CALL INTERVENTION Tifa Noer Amelia ..........................................................................................

25

ANALYSIS OF ACQUISITION TRANSACTION IN TERMS OF ECONOMIC SUBSTANCE (ACCOUNTING) AND LEGAL FORM (A CASE STUDY ON PT.MULTIPOLAR, TBK) Thio Yonathan, Jasman ...............................................................................

26

POLA KASUS KORUPSI DI INDONESIA 2012 Wiwiek Prihandini ........................................................................................

27

ISBN: 978-602-14666-0-5

ix


AC04

AC05

THE INFLUENCE OF GOOD CORPORATE GOVERNANCE MECHANISM, FINANCIAL PERFORMANCE AND CONSERVATISM TO REAL EARNINGS MANAGEMENT Deasy Maria Firenza Rd, Elisabeth Stefany Manalu ................................

28

PENGARUH PENILAIAN KINERJA FORMAL TERHADAP KINERJA MANAJERIAL MELALUI KEPERCAYAAN DAN FEEDBACK SEBAGAI VARIABEL INTERVENING Dian Kurniawati, Aiaz Rajasa ....................................................................

29

INFORMATION TECHNOLOGY (IT) IT01

IT02

IT03

IT04

IT05

IT06

IT07

IT08

IT09

TECHNOLOGY ACCEPTANCE MODEL TO ANALYSE THE APPROVAL OF EBANKING SERVICES Puji Rahayu, Dwi Atmodjo, Pratiwi ...........................................................

30

EXTRACTING FEATURES ON INDONESIAN RUPIAH NOTES USING 2PCA ALGORITHM FOR FORGED DETECTION Pratiwi Rachmadi, Nani KrisnawatyTachjar , Lucia Sri Istiyowati .......

31

WEB BASED APPLICATION DESIGN FOR DOCUMENT CONTROL AND MANAGEMENT ISO 9001-2008 Lucia Sri Istiyowati, Febiana Ulfalia .........................................................

32

DESIGN : THE USE OF NEAR FIELD COMMUNICATION PROGRAMMABLE AND ANDROID PROGRAMMING TO ACCELERATE ELECTRONIC TRANSACTIONS Mantra Ign ....................................................................................................

33

INFORMATION TECHNOLOGY AND QUALITY OF INFORMATION SYSTEM Yuli Anwar, Liana Rahardja .......................................................................

34

DISASTER RECOVERY PLANNING PROCEDURE FOR BPR LOKADANA Kristo Angarda Tutuhatunewa, Mardiana Purwaningsih .......................

35

STUDI AWAL PEMINJAMAN KREDIT NASABAH UKM PADA BPR DENGAN MENGGUNAKAN NEURAL NETWORK Agnes Novita, Puji Rahayu, Dwi Atmodjo .................................................

36

INTELLIGENT DASHBOARD ON E-PROCUREMENT OF GOOD/SERVICE AT WEST JAKARTA ADMINISTRATION MAYOR Bayu Waspodo, Zulfiandri ...........................................................................

37

DETERMINATION PRIORITY OF CREDIT ASSESSMENT ASPECT BY USING A DATA MINING Lely Priska D.Tampubolon ..........................................................................

38

ISBN: 978-602-14666-0-5

x


IT10

IT11

MICROPAYMENT DESIGN SYSTEM USING NEAR FIELD COMMUNICATION TECHNOLOGY (NFC) Mardiana Purwaningsih, GN Mantra, M. Isnin Faried ...........................

39

CORPORATE PORTAL [LOG BOOK] MENGGUNAKAN METODE PENGEMBANGAN DOMAIN DRIVEN DESIGN Awan Setiawan, Chandra Permana Putera ...............................................

40

ISBN: 978-602-14666-0-5

xi


ANALYSIS OF NON-PERFORMING FINANCING, OPERATING EXPENSES AND OPERATING INCOME, NET INTEREST MARGIN TO PROFITABILITY IN PT BANK SYARIAH MANDIRI

Agus Salim [email protected] Perbanas Institute

Dwi Fristika Sari [email protected] Perbanas Institute

ABSTRACT This study aims to analyze whether there is influence and how the magnitude of the correlation of Non Performing Financing (NPF), Operating Expenses and Operating Income (OEOI), Net Interest Margin (NIM) of the Return On Asset (ROA) as a proxy of profitability in PT Bank Syariah Mandiri period 2005-2012. The data used in this study were obtained from the data Condensed Quarterly Financial Statements of PT Bank Syariah Mandiri. The population is Islamic banking companies operating in Indonesia. Of the population, this study uses a bank to be sampled. Techniques in this study used purposive sampling method, the sample in this study is PT Bank Syariah Mandiri. Analysis techniques used in this study is a multiple linear regression that aims to gain a comprehensive picture of the relationship between variables. While the classical assumption used in this study include normality test, autocorrelation, heteroscedasticity test, test multikoliniearitas. Based on the test results showed partial (t-Test) Non Performing Financing (NPF), Operating Expenses and Operating Income (OEOI) had no significant effect on profitability (ROA), but in the Net Interest Margin (NIM) has a significant impact on the profitability of (ROA). Based on the results of simultaneous test (Test F) together Non Performing Financing (NPF), Operating Expenses and Operating Income OEOI), and Net Interest Margin (NIM) jointly have a significant effect on profitability ( ROA). As for the influence of the NPF, OEOI, and NPF of ROA to 58.6 percent, while the remaining 41.4 percent is influenced by other factors outside of our model. The result is expected to be a benchmark for the management of the bank PT Bank Syariah Mandiri. Keywords: NPF, OEOI, NIM, ROA

ISBN: 978-602-14666-0-5

1


ANALYSIS OF FACTORS AFFECTING MURABAHAH FINANCING IN SHARIAH COMMERCIAL BANK Puji Hadiyati [email protected] Perbanas Institute

Muhammad Iqbal [email protected] Perbanas Institute

ABSTRACT This research aimed to evaluate the affect of Third Party Funds, Non Performing Financing (NPF), Murabaha Margin, Inflation, BI Rate and Growth of GDP to Murabaha Financing in Syariah Commercial Bank period 2009-2013. In this research, Third Party Funds, Non Performing Financing, Murabaha Margin, Inflation, BI Rate and Growth of GDP are independent variables, whereas Murabaha Financing is the dependent variable. Data analysis using panel data regresion. The results showed that the variables Third Party Funds, Non Performing Financing, Murabaha Margin, Inflation, BI Rate and Growth of GDP simultaneously have a significant affect on Murabaha Financing. Contrary, the findings in partial showed that Third Party Fund, Non Performing Financing, Murabaha Margin, Inflation and Growth of GDP significant affect on murabaha financing. The coefficient of determination is 0.963958, meaning that the independent variables Third Party Funds, Non Performing Financing, Murabaha Margin, Inflation, BI Rate Growth of GDP simultaneously affect Murabaha Financing amounting to 96.39 percent, while the remaining 3.61 percent affected by other factors not included in this research model.

Keywords: Third Party Funds, Non Performing Financing, Murabaha Margin, Inflation, BI Rate, Growth of GDP and Murabaha Financing.

ISBN: 978-602-14666-0-5

2


PENGARUH UKURAN PERUSAHAAN, PROFITABILITAS DAN FINANCIAL LEVERAGE TERHADAP PRAKTIK PERATAAN LABA PADA PERUSAHAAN MANUFAKTUR YANG TERDAFTAR DI BURSA EFEK INDONESIA

Fatmawati Perbanas Institute

Atik Djajanti [email protected] Perbanas Institute

ABSTRACT This research aimed to analyze the influence of company size, profitability, and financial leverage on earnings smoothing practice at companies listed in Indonesia Stock Exchange. A number of samples are the 22 manufacturing companies and generate 132 observations. These samples are chosen by purposive sampling method since 2009 up to 2011. Earning smoothing practice calculated with Eckel Index. This Index is a model that can estimate that company done earnings smoothing practice. It is calculated from deviation standard of income delta to sales delta. Analyzing use binary Logistic regression because the dependent variable is a dummy. Goodness of fit test used hosmer and lemeshow and the result fit. The outcome of research showed that for partial testing for company size that proxy by the natural logarithm of total assets, profitability proxy by Return on Assets (ROA) and Financial Leverage proxy by Debt to Total Assets (DTA) individually significant influence the practice of smoothing earnings. Simultaneous testing used the omnibus test also reached the same conclusion.

Keywords: company size, profitability, financial leverage and earnings smoothing practice

ISBN: 978-602-14666-0-5

3


ANALISIS PERBANDINGAN KINERJA EMAS DENGAN INDEKS HARGA SAHAM GABUNGAN (IHSG)

Amin Hudaya Perbanas Institute

Natali Yustisia [email protected] Perbanas Institute

ABSTRACT The purpose oft his studyis to investigate the performance of gold and stocks as represented by Stock Price Index(CSPI) and analyzed the performance comparisons between the two instruments such investment in the period of 20082012. Variable in this study is therate of return (return), the level of risk as measured by standard deviation, and the value of risk adjusted return using the Sharpe ratio. CSPI and Gold performance data obtained from the daily price of gold and the value of CSPI were processed using Microsoft Excel and Minitab applications-14. Hypothesis testing is performed using different test analys is to see is there any significant difference between the performance of gold with CSPI during the study period. The test results showed that there was no significant difference between the performance of gold and the CSPI in the period of 20082012.

Keywords: Gold, CSPI, Comparative Performance, Return, Risk Level, Risk Adjusted Return, and Sharpe ratio.

ISBN: 978-602-14666-0-5

4


THE INFLUENCE OF CAPITAL ADEQUACY RATIO (CAR), LOAN TO DEPOSIT RATIO (LDR) AND NON PERFORMING LOAN (NPL) TOWARD RETURN ON ASSETS (ROA) AND RETURN ON EQUITY (ROE) AND ITS IMPLICATION TO CONSUMER CREDIT DISTRIBUTION AT BPR IN INDONESIA

EduardusSuharto [email protected] Perbanas Institute

Indra Siswanti Perbanas Institute

ABSTRACT Products in the Bank Perkreditan Rakyat is Consumer Credit . Consumer Credit granted BPR in Indonesia increased from 2009 to September 2013 based on data from Bank Indonesia. This study aims to understand the significant effect of granting Consumer Credit and non-performing loan ( NPL ) on Return On Assets and Return On Equity in Bank Perkreditan Rakyat in Indonesia by province. The object of this study is the Conventional Bank Perkreditan Rakyat by Province in Indonesia 2009 - September 2013 . The analysis technique used is regression analysis with the data Panel is a combination of cross-section data ( cross ) and time series data ( time series ) using Eviews 6. The results showed that the variables Loans and NPL jointly and significant influence on ROA . Loans and NPL variables together anyway and significant influence on ROE . Other outcome variables Credit significant effect on ROA and NPL variable has no significant effect on ROA . Credit variable had no significant effect on ROE . NPL variables significant effect on ROE

Keywords : BPR , Consumer Credit , NPL , ROA , ROE

ISBN: 978-602-14666-0-5

5


ANALISIS FAKTOR MAKRO EKONOMI YANG MEMPENGARUHI PERTUMBUHAN SIMPANAN MUDHARABAH PADA BANK UMUM SYARIAH DI INDONESIA PERIODE JANUARI 2009 – DESEMBER 2012

Irawati Junaeni Perbanas Institute A Dewantoro Marsono [email protected] Perbanas Institute

ABSTRACT The research aims is to analyze the macro economc factors that influence the mudharabah saving growth in syariah banks in Indonesia. Our samples are the big four syariah banks in Indonesia, and the variables are: mudharabah saving, BI rate, inflation rate, exchange rate (US$ to IDR). Data panel analysis method is used to test those variables. The result indicates that only exchange rate influences the mudharabah growth significantly. While in simultaneous test, we find that BI rate, inflation rate, and exchange rate are not influencing mudharabah saving growth.

Keyword: mudharabah, BI rate, inflation rate, dan exchange rate.

ISBN: 978-602-14666-0-5

6


ANALYSIS OF THE MARKET RETURN AND THE STOCK RETURN DISPERSIONS ON THE STOCKS LISTED IN THE INDEX LQ45 INDONESIAN STOCK EXCHANGE 2006-2012 Abdan Syakuro Perbanas Institute

Inung Wijayanti [email protected] Perbanas Institute

ABSTRACT Penelitian ini ditujukan untuk menganalisis hubungan antara imbal hasil pasar terhadap penyebaran imbal hasil saham pada saham-saham likuid dan berkapitalisasi besar di Bursa Efek Indonesia. Teori model penilaian aset rasional menyatakan bahwa investor akan bertindak secara rasional dan oleh karenanya penyebaran imbal hasil saham akan meningkat seiring dengan meningkatnya imbal hasil pasar. Penelitian ini menggunakan pendekatan penelitian deskriptif kuantitatif dengan menggunakan data harga penutupan harian saham-saham perusahaan yang tetap terdaftar di tahun 2006 sampai dengan 2012 sebagai sampel penelitian. Penelitian ini menerapkan pendekatan oleh Chang, Cheng, dan Khorana dengan menggunakan nilai deviasi absolut cross sectional imbal hasil (CSAD) untuk menjelaskan hubungan antara imbal hasil pasar dan penyebaran imbal hasil pasar. Hasil statistik penelitian ini menunjukkan bahwa ada hubungan dengan tingkatan yang menurun antara penyebaran imbal hasil saham dan imbal hasil pasar pada pergerakan harga pasar naik, tinggi, turun, dan rendah, bukti adanya perilaku pengikutan, perilaku yang tidak rasional dari investor selama periode pergerakan harga pasar tersebut. Hasil penelitian juga menunjukkan bahwa investor cenderung lebih rasional pada saat pergerakan harga pasar turun dibandingkan pada saat pergerakan harga pasar saham naik.

Kata Kunci: CSAD, penyebaran imbal hasil saham, perilaku pengikutan, model penilaian aset rasional.

ISBN: 978-602-14666-0-5

7


DAMPAK REGULASI MODAL DAN KEPEMILIKAN TUNGGAL PADA PERSAINGAN INDUSTRI PERBANKAN DI INDONESIA Dyah Nirmalawati T [email protected] Perbanas Institute

Hedwigis Esti R [email protected] Perbanas Institute

Listijowati Hadinugroho Perbanas Institute

ABSTRACT This study aimed to analyze descriptively the impact of capital minimum and single presence regulation on Indonesian banking competition. Based on HHI and CR4 result, we can conclude that banking concentration are decrease after regulation implemented. It means, the competitiveness of bank increased.

Keywords: Banking, Competitiveness, Capital Regulation,

ISBN: 978-602-14666-0-5

8


YIELD CURVE ESTIMATION USING VASICEK APPROACH (CASE STUDY: MORTGAGE FINANCING AT 3 GOVERNMENT BANKS, PT. BANK MANDIRI TBK., PT. BANK RAKYAT INDONESIA TBK., AND PT. BANK NEGARA INDONESIA TBK.)

Harry Susatyo [email protected] School of Business & Management - Bandung Institute of Technology (ITB)

Sudarso Kaderi Wiryono School of Business & Management - Bandung Institute of Technology (ITB)

ABSTRACT There are many services which provided by the bank and on of them is mortgage loan. Mortgage loan is credit facility to buy a house. This study focuses on yield curve estimation in the future by using Vasicek approach to seek the optimum rate for mortgage loan and to redefining the spread between mortgage rate and deposit rate in order to build competitiveness by understanding its behavior. The findings of this research is PT. Bank Central Asian Tbk. has almost the same pattern with mortgage rate projection using Vasicek approach and become the highest average YTM than other banks. It shows that only 1 private bank works efficiently, that bank charge the lowest mortgage rate and pay cheaper deposit rate.

Keywords: Commercial banks, yield curve estimation, Vasicek approach.

ISBN: 978-602-14666-0-5

9


ANALYSIS INFLUENCE OF BI RATE, INFLATION AND THE EXCHANGE RATE OF RUPIAH TO US DOLLAR ON INDONESIA’S NATURAL RUBBER EXPORT TO JAPAN

Willibrordus Ekaputra Gading [email protected] Perbanas Institute

Hedwigis Esti Riwayati [email protected] Perbanas Institute

ABSTRACT This study aims to analyze the influence of BI rate, inflation and the exchange rate of Rupiah to US Dollar on Indonesia’s natural rubber export to Japan. The data used secondary data. Data sources used in this result are BI Rate, Inflation and the value exchange of Rupiah to US Dollar between January 2007–March 2013. Analytical method that used is multiple linear regression, with T Test and F Test. The results show that partially, BI rate and the value exchange of Rupiah to US Dollar have negative significant influence on Indonesia’s natural rubber export to Japan. While the inflation has positive significant influence to the export of natural rubber. Simultaneously, BI rate, inflation and the exchange rate of Rupiah to US Dollar have significant influence on Indonesia’s natural rubber export to Japan. The contribution of all independent variables on the dependent variable by 17.3 percent and the rest is influenced by other variables that were not included in this study.

Keywords: natural rubber export, BI Rate, Inflation, exchange rate of Rupiah to US Dollar.

ISBN: 978-602-14666-0-5

10


VOLATILITAS PASAR MODAL SYARIAH DAN PASAR MODAL KONVENSIONAL DI KAWASAN ASIA DAN SEKITARNYA UNTUK PERIODE 2010 – 2012 A Dewantoro Marsono [email protected] Perbanas Institute Sodikun Perbanas Institute Ridarmeli Perbanas Institute

ABSTRACT This is a prelimenary report. The paper aims to describe the risk level of syariah capital markets as well as conventional capital markets. The data used are daily stock price index return from 15 capital markets. First, we analyze the volatility, then we will use GARCH and GJR method. We find the return volatility from shariah capital markets relatively small compare to the conventionals’. Volatility model are not optimal yet. Further test to the model will be conducted.

Keywords: return, volatility, GARCH, GJR

ISBN: 978-602-14666-0-5

11


MODEL PERFORMANCE OF THE SERVICE BANK

Kesi Widjajanti [email protected] Semarang University (USM), Semarang

ABSTRACT The purpose of this study was to investigate the relationship between perfomance of the Service, Customer Satisfaction and Loyalty. This study also raise the issue of how the research strategy of the bank can maintain customer loyalty. To answer these problems used three hypotheses. The design of this study is predictive and descriptive research. Objects Research at the University of Semarang branch of Bank BNI. The unit of analysis of this study were students of Senarang University. Descriptive analisis using the "index number" and test the hypothesis by using Partial Least Square. In the Partial Least Square analysis there are 2 things done. First, assess outer measurement model or models is an assessment of the reliability and validity of the study variables. Descriptive test results indicate that the rate is high performance service index with a score of 77.42. The average index of customer satisfaction with a score of 77.6 or on the level of the category "High". While the average for the indicator variable is the level of loyalty category "Medium" with a score of 75.2.Inferential test results show that the third hypothesis is accepted. This hypothesis could provide a solution strategy to maintain customer loyalty. There are two ways to maintain loyalty. The first way is a direct relationship between service performance with Loyalty. The second way is indirect relationship between service performance and loyalty by using a mediating variable Customer Satisfaction. To create the most decisive loyalty is Customer Satisfaction. Existence Service perfomance is very important in facilitating the creation of Customer Satisfaction. Customer Satisfaction shown to mediate the relationship variable perfomance of service to variable Loyalty.

Keywords: performance of the service, Customer Satisfaction, and Loyality

ISBN: 978-602-14666-0-5

12


THE EFFECT OF PRODUCT ATTRIBUTES DECISION TO PURCHASE BEAUTY PRODUCT

Rossy Feramadhani Perbanas Institue

Pamela Magdalena [email protected] Perbanas Institue

ABSTRACT This study aims to determine the effect of product attributes to purchase beauty product. Design research is the study of causality. Research used is descriptive research with quantitative survey methods. Research data used are primary data, obtained by distributing questionnaires to survey respondents. The population was all consumers beauty product Pond's Flawless White in the Menteng area of Central Jakarta, while a total sample of 50 people who were determined using nonprobability sampling techniques, Slovin formula and convenience sampling (accidental). Analysis tool used is a simple linear correlation, coefficient of determination and hypothesis testing. Results showed that: (1) Product attributes Pond's Flawless White earn good ratings, evidenced by the average value of the respondents' assessment which is in good assessment category, (2) Consumer Purchase Decision Pond's Flawless White earn good ratings, evidenced by the average assessment value who are in good assessment category; (3) There is a positive influence, a strong and significant Product Attributes for Consumer Purchase Decision. There is a positive and significant impact on Product Attributes for Consumer Purchase Decision Pond's Flawless White. Keywords: Product Attributes, Consumer Purchase Decision, Beauty Product

ISBN: 978-602-14666-0-5

13


HOW FAMILY DECIDE WHAT BRANDS AND QUALITY TO CHOOSE?

Umbas Krisnanto [email protected] Perbanas Institue

ABSTRACT This research is to find out the role and influence of marketing stimuli (advertising, pricing, and sales promotion) as well as the role of family and brand awareness, brand associations, perceived quality of Pepsodent toothpaste. The benefits of this research is expected to be a consideration of what factors should be considered in developing a marketing mix that ultimately led to the formation of quality perceptions. Second, updating the theory of consumer behavior and marketing theory. This research method is using a descriptive study survey. The population Pepsodent tooth paste customers. Samples done by accidental sampling. The number of sample respondents is 200 people. For data collection questionnaire used closed type. Operationalization of variables using GSCA and SEM quantitative analysis. The results showed the influence of very low ranging from 0.00 to 0.19 for the variable relationship of advertising and brand awareness variables, the variable price and brand association variable, variable promotion and brand awareness variables, family variables on the variable of brand awareness and brand association variables. While the family variables and variables perceived quality had the reverse relationship. Effect of low but definite ranged from 0.20 to 0.39 for the advertising variable to variable brand associations and perceived quality as well as variable promotion, promotional variable to variable brand associations and perceived quality variables. The effect was ranged from 0.40 to 0.60 for variable of brand awareness and perceived quality variables. Recommendations, PT Unilever should deliver more promotion of competition thus proving that good quality is always supported by the promotion of good and great, low price version, Pepsodent promote promotional impressed with quality, still showing the previous experience of the people who have benefited Pepsodent, while providing marketing and advertising top of mind to their customers so that they lose sight of the Pepsodent, still suggested best quality can be compared with its competitors, the evidence suggests that the quality is always the best.

Keywords: marketing mix, brand, quality

ISBN: 978-602-14666-0-5

14


EFFECT OF ATMOSPHERIC STORES AND SALES PROMOTION FOR CUSTOMER LOYALTY CENTRO DEPARTMENT STORE IN THE PLAZA SEMANGGI Sisilia Sri Wiji Astuti [email protected] Perbanas Institue Erna Wahyuningsih [email protected] Perbanas Institue Endah Winarti [email protected] Perbanas Institue Chicilia Nova Yatna [email protected] Perbanas Institue

ABSTRACT This study aimed to analyze the influence of the atmosphere and store sales promotion on customer loyalty in Centro Department Store in Plaza Semanggi either partially or simultaneously. The population in this study is the visitors of Centro Department Store in the Plaza Semanggi. So that, the sample of this research are 100 respondents of centro’s visitors that conduct in 2013. The data collection method is distributing questionnaires to centro’s visitors. The research analysis method are simple and multiple regression. Based on the results of t-test, store atmospheric variables have a significant effect on customer loyalty in Centro Department Store in the Plaza Semanggi. T-test sales promotion variables have a significant effect on customer loyalty Centro Department Store in The Plaza Semanggi . Based on the results obtained by the F test results and store atmospheric variables simultaneously sales promotion has a significant influence on customer loyalty Centro Department Store in the Plaza Semanggi. Based on the results of the study, the researchers gave suggestions to the management of Centro Department Store in The Plaza Semanggi to enhance the exterior design of the store, product structuring, and bonuses by using the method of giving the same product if you do purchase a particular product.

Keywords: Atmospheric Stores, Sales Promotion, Customer Loyalty

ISBN: 978-602-14666-0-5

15


LINKING THE TOURISTS’ BEHAVIOR AND THE SUSTAINABILITY OF ECOTOURISM INDUSTRY Titik Desi Harsoyo [email protected] Ma Chung University

Etsa Astridya Setiyati Ma Chung University

ABSTRACT Ecotourism is becoming an important issue to discuss in tourism industry, both practically and theoretically. The attempt of building sustainability involves good cooperation between many parties, including governments, tourism operators, and tourists. Ecotourism mainly focuses on the effort of creating balance between environmental conservation and tourists’ satisfaction. Management of ecotourism requires understanding of tourists’ behavior towards natural and social environment in order to be able to encourage them to have more concern and involvement toward sustainability. This research aims to investigate tourists’ behavior toward ecotourism by exploring their cognitive, affective, and conative attitudes. The research collects primary data through surveys to 220 tourists at two major ecotourism sites in East Java, which are Bromo-Tengger-Semeru area and Cangar area. The result shows that most tourists understand the importance of conserving natural areas of ecotourism sites, and interested to learn about it, but receive minimum information from ecotourism operators regarding how they should behave and act in objectifying their concern for the environment. The result also indicates that tourists have willingness to change their behavior toward environment conservation and to involve in conservation programs, as long as they receive reliable information from the responsible parties. Marketing implication of these findings is that ecotourism operators need to create educative yet interesting programs in order to create better awareness towards ecotourism sustainability and increase tourists’ involvement.

Keywords: tourist, behavior, sustainability, ecotourism

ISBN: 978-602-14666-0-5

16


SENSORY CHOICE MOTIVES AND INTENTION TO PRODUCT PURCHASE: ATTITUDE AS MEDIATING TOWARD COLLLUSTRUM YOGHURT

Lydia Ari Widyarini Lydia@[email protected] Catholic University of Widya Mandala Surabaya

ABSTRACT There is an increasing emphasis on understanding the consumer’s motives for the choice of food types especially Collustrum Yoghurt.CollustrumYoghurt is a new innovation product that would introduction as competitive healthy product to market. This study aims to understand thatsensory motives to determine the consumer’s intention to product purchase, mediating by attitude to product and attitude to product purchase. This research is part of the full research about the consumer behavioral intentions model. Using Structural Equation Model (SEM) this research explaining the relationshipone of consumer choice motives that is sensory motive with consumer intention to purchase, mediating by consumer attitude to product, consumer attitudeto product purchase Moreover, the findings suggest that there’re significant dirrecteffects on the relationships between sensory choice motive and the consumer’s attitude to product, between consumer’s attitude to product and consumer’s attitude to product purchase, and consumer’s attitude to product purchase with consumer’s intention to product purchase. There’re significant indirrect effect of attitude to product and attitude to product purchase in this model. This model research is fit to predict consumer behavior which measured by the relationship of each variable.

Keyword: sensory motive, collustrum yoghurt, attitude to product, attitude to product purchase, intention to product purchase.

ISBN: 978-602-14666-0-5

17


INFLUENCE OF IT INFRASTRUCTURE QUALITY TO CUSTOMER ACADEMIC SERVICE SATISFACTION IN ABFI INSTITUTE PERBANAS Deden Prayitno Perbanas Institute Puji Rahayu [email protected] Perbanas Institute Riska Hanifah Perbanas Institute

ABSTRACT The significant growth of academic institutions in Indonesia in the last decades leads to the subtantial growing of competition between existing universities or intitutions to provide excellent services to the customers, which are in this case the students. Previous studies revealed that in such competition,maintaining present customers is more important than obtaining the new ones. Therefore, it is imperative for universities or other higher education institution, in particular ABFI Institute Perbanas which was established 40 years ago to understand the needs and level of satisfactionary of their customers. Due to the shifting of focus of services given to the students, the basic concept of services given by ABFI Instute Perbanas has also shifted. An IT based Customer Relationship Management systems replaces the transactionsal services as the main concept of providing services. This study focus on measuring the influence of IT infrastructure that covers: (1) database integrity, (2) application systems availability, (3) services response time and (4) ease of information access to support the quality of academic services in relation to the students’ contentment. Five indicators are investigated from conducted survey that was carried on by distributing questionaires to ABFI Institute Perbanas students. Gathered data are then further processed and analyzed using the multiple linear regression approach in SPSS version 20 to derive the correlation model.

Keywords: database integrity, application systems availability, services response time, ease of information access to support the quality of academic services in relation to the students’ contentment.

ISBN: 978-602-14666-0-5

18


CUSTOMER SEGMENTATION USING CLUSTERING METHODS TO SUPPORT EFFECTIVE MARKETING STRATEGY: A CASE STUDY AT PT KAMADJAJA LOGISTICS

Arlingga Jayasaputra Perbanas Institute Harya Widiputra [email protected] Perbanas Institute

ABSTRACT As service industries are growing rapidly in recent years, the size of data being collected, processed and stored are also increasing significantly from time to time. However, most of the time companies are not aware about valuable information or knowledge hidden in the pile of data stored in their database system or datawarehouse. Yet, incorporating such information or knowledge will be of a great help for the companies to realize their business objectives. Therefore, the requirement to conduct thorough analysis to find such precious pieces of information or knowledge becomes more essential. This study explores the use of supervised and unsupervised clustering methods to create groups of customers of a freight service company. It is expected that by being able to segment the customers, based on their behaviour similarity, helps the company to understand more the states and preferences of its customers. Furthermore, by utilizing such understanding the company is expected to be able to develop a more effective marketing strategy. Results of conducted studies revealed that clustering methods are capable of creating groups of customers dynamically and also reveal hidden-information related to their activities in timely-basis.

Keywords: Customer Segmentation, Clustering, Marketing Strategy

ISBN: 978-602-14666-0-5

19


PENGUKURAN KESIAPAN SUMBERDAYA PEMBELAJARAN PADA IMPLEMENTASI PENDIDIKAN JARAK JAUH (E-LEARNING READINESS) DI IKPIA PERBANAS STUDI KASUS FAKULTAS FTI

Deden Prayitno Perbanas Institute Elliana Gautama Perbanas Institute Riska Hanifah [email protected] Perbanas Institute

ABSTRACT Setelah berdiri lebih dari 40 tahun, IKPIA Perbanas secara berkesinambungan terus melakukan berbagai terobosan, diantaranya pada tahun 2009 menciptakan visi baru, yaitu ingin menjadi lima (5) perguruan tinggi terkemuka di Asia pada tahun 2019. Salah satu langkah yang dilaksanakan adalah mengembangkan strategi pembelajaran, Pengembangan strategi dilakukan untuk mendapatkan cara terbaik dalam proses pembelajaran yang dapat meningkatkan prestasi mahasiswa dan lulusan sehingga memiliki daya saing yang tinggi. Saat ini media dan hasil evaluasi pembelajaran telah menggunakan Teknologi Informasi dan Komunikasi (TIK) dengan online system berbasis internet. Untuk rencana belajar dan hasil nilai belajar sudah menggunakan aplikasi online (aplikasi star), tetapi untuk pembelajaran belum optimal, karena sampai saat ini masih pada tahap menggunakan fasilitas internet untuk tugas dan bahan ajar lewat e-mail, chat, forum, groups, belum sampai pada system aplikasi e-learning seutuhnya. Kajian penelitian yang dilakukan dengan menggunakan metoda deskriptif dan teknik pengumpulan data dengan survey research (penelitian survey) dengan tahapan melakukan kajian pada sumber daya pembelajaran dibidang infrastruktur, sumber daya manusia, system dan prosedur, dan media pembelajaran, materi ajar, dimana langkah kajian dengan penyebaran kuisioner. Hasil penelitian adalah mendapatkan tingkat kesiapan sumberdaya pembelajaran dalam merencanakan penerapan pembelajaran jarak jauh/e-learning, yang dapat digunakan sebagai acuan

Kata Kunci : Sumberdaya pembelajaran, pendidikan jarak jauh, Tingkat kesiapan sumberdaya

ISBN: 978-602-14666-0-5

20


PENGARUH PERENCANAAN, PELATIHAN DAN PENGEMBANGAN SUMBER DAYA MANUSIA TERHADAP KEUNGGULAN KOMPETITIF PADA PT BANK RAKYAT INDONESIA KANTOR CABANG CIKARANG BEKASI Bingar Wicaksono Dharma [email protected] Perbanas Institute Tri Prihatini EKP [email protected] Perbanas Institute ABSTRACT This research is about human resource management. This research discusses the variables of human resources with the title of the effect of planning, training and development of human resources on the competitive advantage of PT Bank Rakyat Indonesia Branch Office Cikarang Bekasi. This research aims to identify and analyze whether the planning, training and development of human resources and simultaneous partial effect on competitive advantage in PT Bank Rakyat Indonesia Branch Office Cikarang Bekasi. The population in this research were all employees of PT Bank Rakyat Indonesia Branch Office Cikarang Bekasi. Sampling with probability sampling methods, simple random sampling technique and sampling process by using the formula Slovine. The data in this research were obtained by means of questionnaires are processed with SPSS 19 program based on the Likert scale. The data was analyzed by using classical test assumptions, t test, and f test, coefficient of multiple determination test (R2), and multiple linear regression.This research uses multiple linear regression. The results explain that the human resource planning has a partial influence on competitive advantage, while the training and development of human resources is not partial effect on competitive advantage. Results of all the independent variables showed that there are significant competitive advantage in the simultaneous PT Bank Rakyat Indonesia Branch Office Cikarang Bekasi. The conclusion of this research is the human resource planning significant effect on competitive advantage, while the training of human resources, and development of human resources is partially not affect the competitive advantage in PT Bank Rakyat Indonesia Branch Office Cikarang Bekasi. Simultaneously, human resource planning, human resource training, and human resource development significantly influence competitive advantage in PT Bank Rakyat Indonesia Branch Office Cikarang Bekasi. The contribution of all independent variables on the dependent variable by 65,8 percent and rest is influenced by other variables that were not included in this research.For further research are expected to use the indicators and other variables as factors influencing competitive advantage, as well as using the methods and tools of analysis are more varied. Keywords: Planning, Training and Development Human Resources, Competitive Advantage ISBN: 978-602-14666-0-5

21


RHETORICAL STRATEGIES FOR CSR COMMUNICATION IN DEVELOPING ISLAMIC BANKING LEGITIMACY Adi SusiloJahja [email protected] Perbanas Institute Patria Laksamana [email protected] Perbanas Institute Ovalia Rukmana [email protected] Perbanas Institute

ABSTRACT CSR is one of the important issues in the last decades both in practice and academic fields. The existence of a company among stakeholders will gain legitimacy if the company activities are consistent with the expectations of society. This requires company to communicate its CSR activities through its social responsibility disclosure. Social responsibility disclosure can be known mainly through annual reports as the most important documents in the eyes of the stakeholders. Banks can be seen as facilitators of industrial activity which could causes environmental damage. Thus, the activities of banking and finance companies could be reported to ensure that their lending and investment policies do not facilitate industrial activities, which are harmful for the environment. For the Islamic banking, they have responsibility of their stakeholders or their representatives (managers) for their action. They need to ensure that the business organisation engages only in halal activities, looking after the welfare of employees, interests of share holders, participating in societal well-being and that day-to-day business activities are conducted in a transparent and ethical manner along the criteria of shariah. In order to enhance their image and remain competitive globally, there is a demand for a thoughtful development of CSR communication of Islamic banking. The objective and format of a CSR communication thus have to be carefully thought through. In this regard, making appropriate rhetorical choices is fundamental. In this study we will explore how the managers choose relevant CSR rhetorical strategies to develop corporate moral, cognitive and pragmatic legitimacy in Islamic banking.

Keywords: CSR, legitimacy theory, rhetorical strategy, Islamic banking

ISBN: 978-602-14666-0-5

22


MENGELOLA PENOLAKAN TERHADAP PERUBAHAN DI BANK BTN Menggunakan Metodologi Serba Sistem Lunak Berbasis Riset Tindakan Stefanus Sadana [email protected] Perbanas Institute Septo Pramesworo Perbanas Institute Rizka Zainab Perbanas Institute

ABSTRACT Purpose – This paper, —Managing Resistance to Change at Bank BTN Using Soft Systems Methodology based Action Research— aims to show how soft systems as a part of systems thinking approach can be incorporated in action research (AR) interventions to successfully implement resistance to change at Bank Tabungan Negara (BTN). The case study in Bank BTN described in this paper would be useful to managers who want to implement change in their own organizations. Design/methodology/approach – This project used Soft Systems Methodology based Action Research (AR) as the methodology due to its flexible, responsive and emergent nature. There was soft systems thinking was used as a sense-making process while carrying out action research. As an added benefit this approach have resulted in successful research alternative. Findings – Soft systems methodology (SSM) based Action Research can help in addressing illstructured problems faced by managers, in collaboration with stakeholders using questioning and reflection. SSM lead to an increased understanding about the problem situation. SSM uses a more structured approach while AR is emergent in its application. SSM practitioners advocate that action researchers would benefit by declaring in advance an intellectual framework to guide their research. This has the additional benefit of overcoming obstacles in an academic environment where research processes are still governed based on traditional research methods. Practical implications – The ideas presented in the paper could be particularly useful to a practice-based discipline such as project management where research into its practice is in demand. Originality/value – This paper would be useful to managers interested in a rigorous methodology to implement organizational change in addressing business problems. It demonstrates ways of combining SSM and AR, resulting in a powerful research tool to carry out rigorous research. Keywords: Soft systems methodology, systems theory, Action research, resistance to change, management research ISBN: 978-602-14666-0-5

23


SOFT SKILLS: PROFESSIONAL ATTRIBUTES PERFORMANCE ACCOUNTANT MM. Tri S. Mildawani [email protected] Perbanas Institute

Tiolina Evi Perbanas Institute

ABSTRACT One of the prominent programs ABFII (Asian Banking Finance and Informatics Institute) Perbanas related to competitive regional and international market is inaugurating professional accountants. The competition can not be separated from the development of a dynamic business world, both professional individual who acted as head of the company or organization, as well as professionals, who contribute daily functioning in accordance with the individual job description.. The accounting profession is required to meet quality than GPA (Grade Point Average), also must uphold the personal qualities, called Soft Skills, such as the values of Honesty/Integrity, Communication Skills, Interpersonal Ability, and the Ability to Cooperate. Soft Skills attributes are derived from a review of a survey published by the National Association of Colleges and Employers (NACE), USA, 2012, against 457 corporate leaders (CEOs) in the United States, scale of 1 to 5 scale range. Scale 5 is the highest scale, and the scale of 1 is the lowest scale. Based on the NACE study, an accountant is required to have the ability to get the highest scale Communicate (4,69). Communication skill is the ability to convey a personal responsibility, including the ability to establish interpersonal relationships in the implementation of an organization. The attributes that marked the ABFII student graduates, especially accounting, is to be a Professional Accountant, competent , equipped with technology -based managerial thinking skills, ability to analyze and solve problems and financial accounting in accordance with accounting standards generally accepted in Indonesia and International. Communication Skills meaning the ability to convey ideas related to his job to others clearly. Communication Skills is also the required ability to interact and to collaborate with others. These abilities are part of the Soft Skills that complement the GPA which is a manifestation of the ability of a person's intellectual or cognitive abilities. Some attribute Soft Skills seed will be outlined in more detail in this paper.

Keywords : Soft Skills, Accounting, Professional, Communication, Interpersonal Skill

ISBN: 978-602-14666-0-5

24


COMPUTER BASED INFORMATION SYSTEM CONTROL: VIDEO AND AUDIO CALL INTERVENTION

Tifa Noer Amelia [email protected] Perbanas Institute

ABSTRACT Computer-based Information System is a system that is based on computer hardware and software technology for processing and disseminating information (Malsarkar, 2009). This system dramaticaly create change in the function of the technology that we use in todays enviroonment. Phenomenon of recent auditing process added. Previousely, most company do their auditing process in financial sector. Where, auditor auditing financial information that consist of balace sheet, income statement, and other elements that integrated in financial analysis. After the entrance of the technology, information system must be audited as well. So that, system control must be done. One of the control process is that to evaluate how is the system goes. So, auditors need to see whether the system has effective and efficient use from the user view, or not. One of the most applicative theory is that the use of virtual colaboration in knowledge trasfer process. Evolution of e-communication has been developed from year to year. In this century, intervention of technology almost impossible to avoid since most studies shows that effective and efficient learning method can be improved by using technology (Ryan, 2007). Technology in this research represent video conference system provided by computer software. Such as, yahoo messenger, skype, tango, google talk or other video call mobile and desktop application. Here, technology expected to have the ability to transfer knowledge to the participants and complete the learning process by adding virtual collaboration system (Amelia, 2012). Participants that can be the observee are those who experience in using video and audio conference for professional purposes such as, business process, learning process, political conference, socialization to society and so on.

Keywords: Knowledge Transfer, information system, Video call, audio call, CBIS

ISBN: 978-602-14666-0-5

25


ANALYSIS OF ACQUISITION TRANSACTION IN TERMS OF ECONOMIC SUBSTANCE (ACCOUNTING) AND LEGAL FORM (A Case Study on PT. Multipolar, Tbk)

Thio Yonathan Perbanas Institute Jasman [email protected] Perbanas Institute

ABSTRACT This research is aimed to analyze the acquisiton transaction executed by PT. Multi Polar, Tbk (MLPL) to subsidiary companies of PT. Matahari Putra Prima, Tbk (MPPA): PT. Nadya Putra Investama (NPI) and PT. Matahari Pacific (MP) in terms of economic substance (accounting) as compared to legal form perspectives. Streamlining of business for non core unit and assets restructuring are also discussed. This study uses qualitative method. Primary and secondary data sources are collected from interviews with related parties and from Indonesian Stock Exchange. The acquisition administration process is still in progress while finishing this research; therefore, Proforma Financal Statements is prepared and presented to indicate how the acquisition accounting is implemented in real world. The result of analysis shows that in economic substance (accounting) standpoint, the acquisition transaction does not affect the accounting treatment of MLPL to its subsidiary companies. Either before or after acquisition transaction, MLPL must consolidate financial statement of MPPA, NPI, and MP whether it is direct subsidiary company or not. It is not the case from the point of view of legal form, the acquisition transactions has changed ownership structure; as a consequence, alter the authority to control. After acquisition, MLPL has had direct control to each MPPA, NPI, and MP as a subsidiary company; while before acqusition, MLPL did not have control to NPI and MP except through MPPA as its direct subsidiary company. In addition, the acquisition transaction process has been compliant with regulations and laws in force in Indonesia.

Keywords: Acquisition, Economic Substance, Legal Form, Proforma Financial Statements, Streamlining and Restructuring of Assets.

ISBN: 978-602-14666-0-5

26


POLA KASUS KORUPSI DI INDONESIA 2012

Wiwiek Prihandini [email protected] Perbanas Institute

ABSTRACT This study tried to get a pattern of corruption in Indonesia, based on the characteristics of several major corruption cases. In addition, to obtain information regarding the handling of corruption cases involving various elements: government, parliament members, community groups, police, and prosecutors. The agency models of corruption will be used to explain the cases of corruption involving bureaucrats, political parties, legislators, and the public. The study was conducted with descriptive-qualitative approach and using content analysis method. Data obtained from print edition of "Kompas" national newspaper, published along the year of 2012 complemented with a news weekly media and other online media. News about corruption were then analyzed based on the type of corruption: bribery, embezzlement, fraud, extortion, favoritism and corruption as well as the characteristics and processes of the law. Then described the development of a policy on combating corruption in Indonesia; dynamics that occur between the various elements, and the opinions that emerged during in 2012. The result is expected to be the basis of data that can be developed in a more specific advanced research and a pilot study for the establishment of anticorruption research center within the Banks Institute, Jakarta.

Keywords: agency model, bribery, embezzlement, fraud, extortion

ISBN: 978-602-14666-0-5

27


THE INFLUENCE OF GOOD CORPORATE GOVERNANCE MECHANISM, FINANCIAL PERFORMANCE AND CONSERVATISM TO REAL EARNINGS MANAGEMENT

Deasy Maria Firenza Rd [email protected] Harapan Bangsa Business School

Elisabeth Stefany Manalu [email protected] Harapan Bangsa Business School

ABSTRACT The early perspective corporate governance comes from agency theory. In the model of agency, principal is ownership of the company who give their right to agent. The conflict of interest between principal and agent could be happen because existence of dissociation between ownership and management of company, which give rise to the practice of earnings management. The corporate governance appears to minimize that conflict and to control their behavior. The research aimed empirical evidence about the influence of corporate governance mechanism that proxied and measured by institutional ownership, managerial ownership, independent commissioner and audit committee; then financial performance that proxied and measured by profitability and leverage; also conservatism to real earnings management. The samples used in this research are non monetary companies that included in big ten Corporate Governance Perception Index during 2007 up to 2011. The results of this research are show that partially only good corporate governance mechanism and financial performance had influence to earnings management. While, simultaneously show that all independent variable had influence to earnings management with goodness of fit as big as 29.8%.

Keywords: financial performance, conservatism, earnings management, good corporate governance mechanism.

ISBN: 978-602-14666-0-5

28


PENGARUH PENILAIAN KINERJA FORMAL TERHADAP KINERJA MANAJERIAL MELALUI KEPERCAYAAN DAN FEEDBACK SEBAGAI VARIABEL INTERVENING Dian Kurniawati Perbanas Institute Aiaz Rajasa [email protected] Perbanas Institute

ABSTRACT Penelitian ini bertujuan untuk memberikan bukti empiris mengenai pengaruh penilaian kinerja formal terhadap kinerja manajerial melalui kepercayaan dan feedback. Kinerja manajerial diukur dengan penerapan penilaian yang dilakukan dengan menggunakan ukuran-ukuran maupun asas-asas yang telah ditetapkan oleh perusahaan yang mampu meningkatkan kepercayaan antara manajer dan bawahannya seiring dengan meningkatnya integritas, kejujuran dan akurasi dalam penilaian kinerja formal dan juga dapat memotivasi manajer untuk memberikan feedback yang berkualitas terhadap kinerja setelah penilaian kinerja formal dilakukan sehingga mampu meningkatkan kinerja manajerial. Populasi yang digunakan dalam penelitian ini adalah seluruh manajer atau kepala bagian setingkat manajer pada perbankan yang ada di kota Pekanbaru, dengan jumlah sampel sebanyak 93 respondensi. Data yang diperoleh dianalisis menggunakan pendekatan Model Persamaan Struktural (SEM) dengan menggunakan software program SmartPLS (Partial Least Square). Kata Kunci: Kinerja Manajerial, Penilaian Kinerja Formal, Kepercayaan, Feedback, Structural Equation Model, Partial Least Square.

ISBN: 978-602-14666-0-5

29


TECHNOLOGY ACCEPTANCE MODEL TO ANALYSE THE APPROVAL OF E-BANKING SERVICES Puji Rahayu [email protected] Perbanas Institute Dwi Atmodjo Perbanas Institute Pratiwi Perbanas Institute

ABSTRACT The application of Information Technology in banking industry has lead to the development of new innovations such as the development of types of transactions that are easier and faster for the customers. Conversely, higher education institutions are also required to provide high quality services for the students, including services related to the ease of financial transactions. An approach that has to be considered is to apply financial or payment systems that is connected on-line and directly to the financial institutions, which are banks (e-baking systems). Consequently, cooperation between banks and higher education institutions to realize such thing becomes imperative. However, before the e banking systems can be implemented, study to analyze the approval of such systems need to be conducted to confirm that the stakeholders are all in agreement and ready for the technology. This research uses the Technology Acceptance Model to evaluate external factors that influence students in using the e-banking service. Results of conducted study are expected to reveal whether the e-banking services can be adopted and used by the students and to also help banks and higher education intitutions in planning the application of the service. The objects of research in this study are the students of Asian Banking Finance and Informatics Institute Perbanas, Jakarta. Keywords : Tehnology Acceptance Model, E-Banking services, Asian Banking Finance and Informatics Institute Perbanas

ISBN: 978-602-14666-0-5

30


EXTRACTING FEATURES ON INDONESIAN RUPIAH NOTES USING 2PCA ALGORITHM FOR FORGED DETECTION Pratiwi Rachmadi [email protected] Perbanas Institute Nani Krisnawaty Tachjar [email protected] Perbanas Institute Lucia Sri Istiyowati [email protected] Perbanas Institute

ABSTRACT Counterfeit currency nominal value of Rp 100.000,- and Rp 50.000,- is the highest circulating money. Thus are the reason why Bank Indonesia forming a central database called Bank Indonesia Conterfeit Analysis Center (BI-CAC). Indonesian government socialize how to recognize counterfeit money for the community as a preventative measure, the 3D method; Dilihat (seen) , Diraba (touched) and Diterawang. The principle of "seen" is a method that will be used in the pattern recognition / image for visual perception as objects that can be seen by the human eye has an important role. The concept of "seen" on the 3D method for the introduction of the authenticity of the Indonesian currency, the image is done by the introduction of the currency and digital image processing to detect authenticity. The identification of Rupiah paper currency using 2DPCA feature extraction method which is an extension of PCA. This algorithm provides another alternative in the process of feature extraction on Rupiah recognition system that can detect counterfeit money accurately and quickly.

Keywords: counterfeit, algorithm, 2PDCA, image processing, extracting features

ISBN: 978-602-14666-0-5

31


WEB BASED APPLICATION DESIGN FOR DOCUMENT CONTROL AND MANAGEMENT ISO 9001-2008 Lucia Sri Istiyowati [email protected] Perbanas Institute Febiana Ulfalia [email protected] Perbanas Institute

ABSTRACT In any line of business in the industry the ability of controlling documents, widely known with the term Document Control, is an important key to confirm that the organization works the way it should be in order to achieve its goals. Consequently, banks, which are financial institutions providing services to the society, are required to be able to manage their documents effectively as they are dealing with pile of service standards and other important documents. Some banks have received the ISO 9001:2008 certifications related to providing excellent services for continuous improvement. A key requirement of this certification is the existence of document management systems as defined by the Quality Management clause. However, ISO 9001:2008 does not regulate how such system should be developed and implemented yet it focus more to the ease of access to documents exists and being used in the organization. In this study a document management system is developed and tested in an educational institution that has also received the ISO 9001:2008 certification, the Asian Banking Finance and Informatics Institute (ABFII) Perbanas. The developed document management system is aimed to replace the manual document management system used by ABFII Perbanas. It is expected that the prototype, despite of its development and testing environment, can also be used as a framework to design and build document management systems in other line of business, i.e banks and financial industry.

Keywords: web application, document control, ISO 9001-2008

ISBN: 978-602-14666-0-5

32


DESIGN : THE USE OF NEAR FIELD COMMUNICATION PROGRAMMABLE AND ANDROID PROGRAMMING TO ACCELERATE ELECTRONIC TRANSACTIONS

Mantra Ign [email protected] Perbanas Institute

ABSTRACT Electronic transactions currently used at anywhere and at any time, either using a web transaction and transactions face to face. When face to face, the need for an interfacing to accelerate electronic transactions. Nowadays almost everyone has to use a smart phone so it is not difficult to find android who has used a lot of people. Near Field Communication is a contact less technology and programmable to accelerate electronic transactions, electronic money can be moved so quickly when using this equipment, then be made to the design for interaction between android devices programming with NFC (contact less) that will facilitate modern people in Jakarta in conducting electronic transactions and e-money between buyers and sellers.

Keywords: electronic transactions, programmable, e-money

ISBN: 978-602-14666-0-5

near

field

communication

(NFC),

33


INFORMATION TECHNOLOGY AND QUALITY OF INFORMATION SYSTEM

Yuli Anwar [email protected] STIE Binaniaga Liana Rahardja Universitas Trisakti

ABSTRACT The purpose of this study is to examine and analyze empirically the influence of Academic information system, library information system, and student trust, toward to quality of information system. Respondents in this study were use students at private university in Bogor. The analysis used in this study using path analysis model, which is a method that uses exogenuous and endogenuous variables. Equation models in this study using two models, (1) equation of sub structural one, such as KM = β1SIA + β2SIP +ε1 and equation of sub structural two, such as KSI =β1SIA + β2SIP +β3KM + ε2. The finding of this study substructural one that there is a direct influence and positive significant between academic information system on students trust amounted to 0,345 (34,5%) and library information system of 0,526 (52,60%). Meanwhile, the sub-structural two found that there is direct influence and positive significant between academic information system on the quality of information system is 0,144 (14.40%) and library information system to the quality of information system is 0,197 (19,70%), as well as the indirect effect positive academic information system by considering students trust to the quality of information system is 0,383 (38,30%), as well as the indirect effect positive library information system by considering the students trust to the quality of information system is 0,561 (56,10%).

Keywords: academic, library, studens trust, information system,quality of information system

ISBN: 978-602-14666-0-5

34


DISASTER RECOVERY PLANNING PROCEDURE FOR BPR LOKADANA

Kristo Angarda Tutuhatunewa [email protected] Perbanas Institute

Mardiana Purwaningsih [email protected] Perbanas Institute

ABSTRACT Earthquakes, fires, power outages, and the flood are disasters which is often happen in Palu, Central Sulawesi. Sometime, earthquakes, power outages, and fires occurr in the same time, where after an earthquake then power outages will be done by PLN. Power outages was suddenly going to cause fire. This is a cause that many companies, including banks be disrupted its activities. The object of study is the BPR Lokadana located in Central Sulawesi. Why BPR Lokadana taken as research object because BPR Lokadana is the largest BPR in Central Sulawesi. BPR Lokadana has one head office based in Palu and has 8 branches are available in various districts. Banking transactions should be perpetuated, so it is necessary to anticipate the impact of disasters can happen at any time. For that BPR Lokadana require procedures to prevent damage that could disrupt the transaction. Moreover this procedure can also keep, in case of a disaster then the transaction can still run as its function. The purpose of this study is to develop disaster response procedures, and ensure the availability of data and transactions after a disaster, to ensure service to customers. This research is expected to help BPR by setting up standard procedures to be followed in case of disasters. This standard procedure will be applied in all branches so that disaster management procedures implemented in the same way in all branches.

Keywords: Disaster Recovery Planning, DRP, Recovery Point Objective, RPO, Recovery Time Objective, RTO

ISBN: 978-602-14666-0-5

35


TREND PEMINJAMAN NASABAH UKM PADA BPR DENGAN TEKNIK DATA MINING MENGGUNAKAN NEURAL NETWORK Agnes Novita [email protected] Perbanas Institute Puji Rahayu [email protected] Perbanas Institute Dwi Atmodjo [email protected] Perbanas Institute

ABSTRACT Penelitian Small-Medium Enterprise (SME) atau yang dikenal dengan Usaha Kecil dan Menengah (UKM) adalah suatu bentuk usaha yang memberikan sumbangan yang besar kepada pendapatan domestik serta dapat menyerap tenaga kerja. Oleh karena itu,keberadaan UKM menjadi penting terhadap kemajuan perekonomian bangsa. Dalam mengembangkan usaha yang dijalankannya, seringkali UKM memerlukan bantuan pinjaman atau penambahan modal. Bantuan pinjaman modal yang akan dibahas pada penulisan ini adalah bantuan pinjaman modal yang diberikan oleh pihak Bank Perkreditan Rakyat Cibitung Tanjung Raya (BPR-CTR) kepada UKM, di mana data atas bantuan pinjaman yang diberikan tersebut dimulai pada bulan Januari 2010 sampai dengan bulan Agustus 2013. Jumlah pinjaman yang diajukan oleh pihak UKM bervariasi,mulai dari dua juta rupiah sampai ratusan juta rupiah. Jumlah nasabah yang mengajukan peminjaman setiap bulannya juga bervariasi, yaitu sekurang-kurangnya 20 orang nasabah sampai dengan jumlah tertinggi yang mencapai 90 orang nasabah. Untuk dapat melayani dengan baik pengajuan pinjaman oleh pihak UKM, maka BPR-CTR harus senantiasa menyiapkan dana dalam jumlah sebagaimana diminta tersebut. Namun melihat data jumlah pinjaman sebagaimana tersebut di atas yang cukup bervariasi pihak BPR-CTR tentu mengalami kesulitan untuk memperkirakan berapa besar alokasi dana yang harus mereka siapkan setiap bulannya untuk memenuhi setiap permintaan yang diajukan. Berdasarkan hal tersebut, maka diperlukan teknik data mining dengan menggunakan metode neural network untuk mengetahui pola/trend peminjaman yang diajukan oleh pihak UKM. Dengan mengetahui trend peminjaman pihak UKM tersebut maka BPR-CTR akan dapat memprediksi besarnya alokasi dana yang harus mereka siapkan setiap bulannya. Kata Kunci: Small Medium Enterprise, Neural Network, data mining, trend ISBN: 978-602-14666-0-5

36


INTELLIGENT DASHBOARD ON E-PROCUREMENT OF GOOD/SERVICE AT WEST JAKARTA ADMINISTRATION MAYOR

Bayu Waspodo [email protected] Islamic State University, Syarif Hidayatullah Jakarta

Della Afriani [email protected] Islamic State University, Syarif Hidayatullah Jakarta

Zulfiandri [email protected] Islamic State University, Syarif Hidayatullah Jakarta

ABSTRACT West Jakarta Administration Mayor is one of the local government institutions in Indonesia. Current condition Mayor of West Jakarta Administration is tendering procurement of goods / services. Procurement of goods from value ceiling of between fifty million to one hundred million was done manually (paper based). Although have some constraints, namely auction business process performed was slowly and costs incurred in the activities auction are expensive. It was involved a lot of unnecessary resources. Therefore, the e-Procurement was required of goods/services that simplify the process of auction of goods / services. In this study, the method used is systems development waterfall with requirements definition stage, software design, implementation and unit testing and system integration testing. Design tools using Unified Modeling Language (UML). This research resulted in the design of Intelligent Dashboard of e-Procurement of goods / services that can shorten the implementation time auction of goods / services in West Jakarta Administration Mayor.

Keywords: intelligent dashboard, e-procurement, west jakarta administration major.

ISBN: 978-602-14666-0-5

37


DETERMINATION PRIORITY OF CREDIT ASSESSMENT ASPECT BY USING A DATA MINING

Lely Priska D.Tampubolon [email protected] Perbanas Institute

ABSTRACT Loan application can be assessed with a variety of assessment approaches . The Approach that is often used is the 5C aspect, ie Character , Capital , Capacity, Collateral and Conditions of Economic. Every aspect in the assessment 5C have the same important priority to each other. Character aspect often expressed as aspects that have the highest priority in the initial assessment of a loan application. Credit applicant who has Character / good temperament is needed to provide security for the lender / bank in the payment of existing obligations. Currently, Debtor Information System ( SID ) or known as BI Checking has been used by creditors to assist in the analysis at the beginning of the loan application , further , the applicant credit will be surveyed and analyzed based on 5C aspects credit application. Weka is a collection of machine learning algorithms for data mining tasks . It used in this study to determine which aspects of a priority in the assessment of an application for approval of credit.The research results on the credit application data before utilizing SID / BI checking, obtained with the order of priority aspects of assessment , namely capital , capacity , collateral , character and condition of economic . Character position is at the fourth (4) of the five (5) aspects of assessment . Once the SID / BI Checking is used , a change in the order of priority aspects of the assessment collectibility, capacity, condition of economic, capital, collateral and character .

Keywords : Debtor Information System, BI checking, Weka, machine learning algorithms, data mining

ISBN: 978-602-14666-0-5

38


MICROPAYMENT DESIGN SYSTEM USING NEAR FIELD COMMUNICATION TECHNOLOGY (NFC) Mardiana Purwaningsih [email protected] Perbanas Institute IGN Mantra [email protected] Perbanas Institute

M. Isnin Faried [email protected] Perbanas Institute

ABSTRACT The design of micropayment system intended to simplify the payment process at the shop or cafeteria without using cash (cashless). This application provides an opportunity to the consumers to make payments using electronic payment systems with a small value transactions free of charge (micropayment). Micropayment payment system is very suitable to be applied for small value transactions with a high frequency. By utilizing wireless technology is called Near Field Communication (NFC), the payment can be made only with the consumer mobile device close to a reader device or shopkeepers canteen. The design of this system uses 5 (five) phases, eq: literature study, analysis, design and prototyping, and testing and implementation, the latter is preparing reports and scientific publications. Literature study phase will be collected several references from books and journals that were the result of previous research. Continued analysis phase involves collecting samples and studying the data using the current system running. Stage design and prototyping approaches Unified Modeling Language (UML). And continued with the testing and implementation phase was to test the prototype that has been designed. Results or output in the form of a payment system with application design is e-canteen. With this application, the consumers can pay a sum of money of their groceries with a debit to the consumer owned funds, which are stored on a prepaid card. Keywords: Near Field Communication, NFC, micropayment, electronic payment, contact-less

ISBN: 978-602-14666-0-5

39


CORPORATE PORTAL [LOG BOOK] MENGGUNAKAN METODE PENGEMBANGAN DOMAIN DRIVEN DESIGN

Awan Setiawan [email protected] Chandra Permana Putera [email protected] Universitas Langlangbuana

ABSTRACT Object-oriented programming (OOP) is an approach to software development in which the structure of the software is based on objects interacting with each other. And many developer use OOP for developing the software, because in OOP make Single responsibility every object or domain.Domain Driven Design (DDD) is a collection of principles and patterns that help the development of a software floating

Keywords: Corporate Portal, Development Method, Domain Driven Design, Object-Oriented Programming,

ISBN: 978-602-14666-0-5

40

PROCEEDINGS. Aligning Competitiveness and Business Sustainability towards the Volatility of Global Environment

Recommend Documents