PERBEDAAN KARAKTERISTIK BPR KECIL DAN BPR MENENGAH DI NUSA TENGGARA BARAT
DOI:
https://doi.org/10.29303/distribusi.v6i2.31Keywords:
small credit bank society, medium credit bank society, assetsAbstract
The motivation to the studies was started with the phenomenon shows there was no regulation on classifies small credit bank society (small BPR) and medium credit bank society (medium BPR) like a standard in small medium enterprises (SMES) and it’s also new of OJK regulation. This study aims to classifies credit bank society in the category of small and medium enterprises. Location og this research is on province of West Nusa Tenggara that used a quantitative approach, with research is comparative in clasified size character of credit bank society. The data used is taken from secondary data derived from the reports on financial credit bank society and other publication the credit bank society and Bank of Indonesia as a central bank. Data analysis was the cluster analysis by SPSS to classify the credit bank society. Results show that of a whole of credit bank society in West Nusa Tenggara 29 unit , 23 unit classified as small credit bank society (Small BPR) and 6 unit as Medium credit bank society (Medium BPR). There are the difference between small BPR and medium BPR.
Downloads
References
______________, 2006, Peraturan Bank Indonesia no. 8/26/PBI/2006 Tentang Bank Perkreditan Rakyat.
______________, 2008, Undang-Undang no. 20 tahun 2008 Tentang Usaha Mikro, Kecil dan Menenggah, Kementrian Hukum dan Hak Asasi Manusia.
______________, 2015, Peraturan Otoritas Jasa Keuangan No. 5/POJK.03/2015, Tentang Kewajiban Penyediaan Modal Minimum dan Pemenuhan Modal Inti Minimum Bank Perkreditan Rakyat.
______________, 2018, Bulan Depan Ditarget Rampung, “Penggabungan PT. BPR NTB”, Lombok Post,29 Januari 2018, Halaman 8, Kolom 6-8.
Ally, Z., 2013, Comparative Analysis of Financial Performance of Commercial Banks in Tanzania, Research Journal of Finance and Accounting, Vol.4, No.19, pp. 133-144
Anderson, Alistair R., dan Farid Ullah, 2014, The condition of smallness: how what it means to be small deters firms from getting bigger, Management Decision, Vol. 52 Iss 2 pp. 326 – 349.
Divini, Aikaterini dan Nikos Schiniotakis, 2015, Performance and profile: a twofold bank profitability riddle, Team Performance Management, Vol. 21 No. 1/2, pp. 51-64.
El Masah, S., dan O. Al-Sayed, 2015, Banking Sector Performance: Islamic And Conventional Banks In The UAE, International Journal of Technology Information and Business Management, Vol.36 no.1, pp. 69-81.
Hair, J.F., R.E. Anderson, R.L. Tatham dan W.C. Black, 1995, Multivariate Data Analysis With Readings, 4th edition, Englewood Cliffs, NJ: Prentice Hall International.
Helhel, Y., 2015, Comparative Analysis of Financial Performance of Foreign and Domestic Banks in Georgia, International Journal of Finance and Accounting, 4(1): pp. 52-59.
Mathew, N.G., dan L.A. Esther, 2012, A Financial Performance Comparison of Foreign VS Local Banks in Ghana, International Journal of Business and Social Science, Vol. 3 No. 21, pp. 82-87.
Menicucci, E., dan G. Paolucci , (2016),"The determinants of bank profitability: empirical evidence from European banking sector", Journal of Financial Reporting and Accounting, Vol. 14 Iss 1
Prabu, G.G. dan G. Chandrasekaran, 2015, A Comparative Study on Financial Performance of State Bank of India and ICICI Bank, International Journal of Research in Business Management, Vol. 3, Issue 4, Apr 2015, pp.19-26
Putra, I.N.N.A., 2012, Kepemilikan Manajerial dan Risiko Kredit Sebagai Pemicu Biaya Keagenan Pada Lembaga Keuangan Mikro, Jurnal Keuangan dan Perbankan, vol.16, no.3, 437-444.
Putra, I.N.N.A., 2013, Perbedaan Profitabilitas Dan Tingkat Pengawasan Sebelum Dan Sesudah Merger Pada Bank Perkreditan Rakyat, Jurnal Keuangan dan Perbankan, vol. 17, no.2, 302-309.
Rana, M, M.K. Hossain, dan R.S. Rekha, 2016, Profitability and liquidity of conventional banking and Islamic banking in Bangladesh: A comparative study, International Journal of Applied Research, no. 2(9), pp. 318-327.
Taswan, 2010, Manajemen Perbankan, Konsep, Teknik dan Aplikasi, UPP STIM YKPN, Yogyakarta.
Yamin, S. Dan Kurniawan H., 2009, SPSS Complete: Teknik Analisis Statistik Terlengkap dengan Software SPSS, Salemba Infotek, Jakarta.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2018 I Nyoman Nugraha Ardana Putra, Dwi Putra Buana Sakti, I Gede Mandra, I Dewa Gede Bisma, GA Sri Oktaryani
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Penulis yang naskahnya diterbitkan menyetujui ketentuan sebagai berikut:
- Hak publikasi atas semua materi naskah jurnal yang diterbitkan/dipublikasikan dalam situs Jurnal DISTRIBUSI ini dipegang oleh dewan redaksi dengan sepengetahuan penulis (hak moral tetap milik penulis naskah).
- Ketentuan legal formal untuk akses artikel digital jurnal elektronik ini tunduk pada ketentuan lisensi Creative Commons Attribution-ShareAlike (CC BY-SA), yang berarti Jurnal DISTRIBUSI berhak menyimpan, mengalih media/format-kan, mengelola dalam bentuk pangkalan data (database), merawat, dan mempublikasikan artikel tanpa meminta izin dari Penulis selama tetap mencantumkan nama Penulis sebagai pemilik Hak Cipta.
- Naskah yang diterbitkan/dipublikasikan secara cetak dan elektronik bersifat open access untuk tujuan pendidikan, penelitian, dan perpustakaan. Selain tujuan tersebut, dewan redaksi tidak bertanggung jawab atas pelanggaran terhadap hukum hak cipta.
