Knowledge that Transforms

The fast-growing literature on news analytics provides evidence that financial markets are partially driven by sentiments. In contrast with previous studies that have almost exclusively focused on the direct effects of the news related to single companies or sectors, we investigate the time-varying dynamics of news’ cross-industry influences for a set of US and European stocks over a period of 10 years. The graphical Granger causality of the news sentiments-excess return networks is estimated by applying the adaptive lasso. We find significant spillover effects and show the importance of sentiments related to certain sectors for the whole cross-section of stocks.

This study aims to be able to see the financial performance of cigarette company HM Sampoerna, which is the largest cigarette company in Indonesia. Competition in the cigarette industry is increasingly tight, making this company's analysis interesting to do. Measurement of financial performance uses the technique of analyzing liquidity ratios, leverage ratios and activity ratios. To get data, that is by documenting and using the published financial statements of the company. This study uses a descriptive quantitative and qualitative approach. The results of the study show that HM Sampoerna's financial performance is very good. With greater use of own capital and low debt, the company is able to generate high profits.

This study aims to know and analyze the financial performance of Sharia Commercial Banks; to know and analyze the financial performance of conventional Commercial Bank and to know and analyze better financial performance between sharia bank and conventional commercial bank in terms of its financial ratios. The number of samples in the study is banking companies listed on the BEI as much as 6 conventional banks and 6 sharia banks. The analysis technique used two different test of average (independent sample t-test). Comparison of financial performance between Sharia Commercial Bank and Conventional Commercial Bank, seen from the result of better ratio analysis of LDR financial performance between Sharia Commercial Bank and Conventional General is Conventional Commercial Bank. Judging from the result of BOPO ratio analysis better its financial performance between Sharia Commercial Bank and Conventional Commercial Bank is Conventional Commercial Bank. Judging from the result of better ROA ratio analysis, its financial performance between Sharia Commercial Bank and Conventional Commercial Bank is a Conventional Commercial Bank. Judging from the result of better CAR ratio analysis, its financial performance between Sharia Commercial Bank and Conventional Commercial Bank is Sharia Commercial Bank. Judging from the result of better ratio analysis of NPL financial performance between Sharia Commercial Bank and Conventional Commercial Bank is Sharia Commercial Bank.

The purpose of this study is to obtain empirical evidence that the indicator Return on Asset (ROA) and Net Interest Margin (NIM) is a variable earning which is an appropriate source to be used as a prediction of problem banks. So that the model is expected to help the parties concerned about the existence of the bank, either directly or indirectly, to participate in closely monitor and supervise the financial performance of the bank. In addition, the model that is formed is expected to have the accuracy of the right model to be applied in Indonesia as one of early warning tools. This research uses Logit model which is useful as bank predictor bank prediction model. The result of the research stated that bankruptcy of bank in Indonesia can be determined by earnings projected by Nett Interest Margin and Return On Asset. Simultaneously, earnings have a significant effect on bank insolvency, but partially Nett Interest Margin supports the research hypothesis where Nett Interest Margin negatively affects bank insolvency, and Return on Asset does not negatively affect bank insolvency. The results of this study indicate that the indicators Earning simultaneously able to predict bank bankruptcy of 14.7%, while the remaining 85.3% influenced by factors other than the model. In other words, financial ratios before and after bankruptcy can be used as a bankruptcy prediction tool.

We explore how the expertise of a bank holding company's management team affects its asset securitization policies. We find management team members with an MBA degree and top management experience securitize more low risk loans while those with core functional executive positions securitize fewer high risk loans. In addition, internal liquidity, governance quality, and risk management quality moderate these effects. Moreover, risk management concerns are the main driver of the negative effect of the percentage of core functional executives on asset securitization. We also provide evidence that core functional executives deem securitized mortgage loans riskier after the subprime crisis.

In the structure of the national economy, the existence of Small and micro enterprises have a strategic role. One of the barriers faced by micro none other with regard to the problems of capital. As well as the limitations of the access to capital as a major constraint for micro and small to flourish. Issues of access to capital and increasing the role of micro and small increases in revenue under the community groups and the creation of employment opportunities, the Government responded in November 2007, the Government enacted the program granting credit, known as Kredit Usaha Rakyat (KUR) for micro and small businessmen. Research method that uses a qualitative and quantitative approach using a descriptive analysis. KUR can help businessmen in the capital improvement effort and sustainability efforts, although contributions in channeling people's business loan. it is still relatively small compared to the potential of micro and small businessmen. Micro and small businessmen who proposed the people's business credit to banking is used to increase capital in the form of increased business investment and working capital.