Updated, March 2025
The Analysis of Typology Klaassen on Deposits and Credits at Regional Development Banks in Java and Bali
Abstract
The purpose of this study is to examine RDB (Regional Development Bank) performance in 6 provinces: Bali, DKI Jakarta, West Java and Banten, Central Java, East Java, and Yogyakarta from 2012 to 2022 using the Klaassen Typology for evaluating banks by credit-to-deposit ratios and growth against provincial averages. Although regional development banks (RDBs) are crucial for regional economic development, previous studies have not provided a comparative framework to understand the disparity of credit and deposit growth between RDBs in different provinces. The result shows strong credit growth of Bank Bali without consistent, good credit management in Bank DKI while the deposits are not managed well, then Bank Jabar-Banten, which maintained the market share but lack of deposit strategy, while Bank Jateng still outperformed in most provincial growth, albeit at times, the growth is fluctuant, happened to Bank Jatim that shows inconsistent performance only to recover in recent years, and Bank DIY still achieved strong credit while poor in deposit. This study also suggests expanding the lending portfolios, looking for niche market opportunities, adopting financial technology, and having better credit distribution employments in line with regional economic growth along with better consumer education programs to improve the RDB performance. The results also help fill a research gap in structured performance evaluation for RDBs, and they help elucidate the need for tailored banking strategies that effectively sustain financial stability at the regional level.
Keywords
Full Text:
PDFReferences
Ambarita, A. S., & Tristiarto, Y. (2024). Daerah Jawa Barat Dan Banten , Tbk Dengan Health Level Analysis of Pt . West Java and Banten Regional Development Bank , Tbk Using the Risk Based Bank Rating ( Rbbr ) Method. Journal of Young Entrepreneurs, 3(1), 30–46.
Anggaredho, P. P., Margie, L. A., Sari, I., Marginingsih, R., & Sibarani, B. B. (2024). Analisis Tingkat Risiko Bank Pada Bank Pembangunan Daerah Di Indonesia. SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business, 7(2), 534–544. https://doi.org/10.37481/sjr.v7i2.848
Argawandani, F. A., & Rahmawati, O. F. (2024). Analisis Rasio Modal Kerja di PT Bank Pembangunan Daerah Jawa Timur Tbk Analisis Rasio Modal Kerja di PT Bank Pembangunan Daerah Jawa Timur Tbk. Jurnal Rumpun Manajemen Dan Ekonomi, 1(1), 87–92.
Bagaswara, S., Wibowo, M. A., & ... (2024). Analisis Kinerja Keuangan PT. Bank Pembangunan Daerah (BPD) Jawa Tengah Dengan Menerapkan Metode Du Pont System. J-CEKI: Jurnal …, 3(4), 1196–1205. http://journal-nusantara.com/index.php/J-CEKI/article/view/3684
Baihaqqy, M. R. insan. (2020). Buku Bank Dan Lembaga Keuangan Syariah Lainnya (Issue January).
Balkan, B. (2021). Impacts of Digitalization on Banks and Banking. 33–50. https://doi.org/10.1007/978-981-33-6811-8_3
Chen, Q., Goldstein, I., Huang, Z., & Vashishtha, R. (2022). Bank transparency and deposit flows. Journal of Financial Economics, 146(2), 475–501. https://doi.org/10.1016/J.JFINECO.2022.07.009
D’Avernas, A., Eisfeldt, A. L., Huang, C., Stanton, R., & Wallace, N. (2023). The Deposit Business at Large vs. NBER WORKING PAPER SERIES. http://www.nber.org/papers/w31865
Daga, R., Nawir, F., & Pratiwi, D. (2021). Strategies to Improve Service Quality Through Digitalization of Banking Services at PT. Bank Negara Indonesia (Persero) Tbk. Quantitative Economics and Management Studies, 2(5). https://doi.org/10.35877/454ri.qems359
Feghali, K., Mora, N., & Nassif, P. (2021). Financial inclusion, bank market structure, and financial stability: International evidence. The Quarterly Review of Economics and Finance, 80, 236–257. https://doi.org/10.1016/J.QREF.2021.01.007
Fernos, J., & Alfadino, M. (2021). Pengaruh Manfaat, Kepercayaan, Dan Kemudahan Penggunaan Terhadap Minat Nasabah Menggunakan Layanan Mobile Banking Pada Pt. Bank Pembangunan Daerah Sumatera Barat Cabang Koto Baru, Dharmasraya. Jurnal Manajemen Universitas Bung Hatta, 16(2), 115–125. https://doi.org/10.37301/jmubh.v16i2.19032
Harahap, A. P., & Saraswati, D. (2020). Bank dan Lembaga Keuangan Lainnya. In Jakad Media Publishing.
Jumono, S. (2022). Monograf Kinerja Dan Kekuatan Bersaing Bank Pembangunan Daerah Di Indonesia. Deepublish. https://ebooks.gramedia.com/id/buku/monograf-kinerja-dan-kekuatan-bersaing-bank-pembangunan-daerah-di-indonesia
Kurniawan, A., Rahayu, A., & Wibowo, L. A. (2021). Pengaruh Transformasi Digital Terhadap Kinerja Bank Pembangunan Daerah Di Indonesia. Jurnal Ilmu Keuangan Dan Perbankan (JIKA), 10(2), 158–181. https://doi.org/10.34010/jika.v10i2.4426
Kusumawardhana, I. G. P. K., Sara, I. M., & Purnami, A. A. S. (2021). Pengaruh Dana Pihak Ketiga dan Tingkat Suku Bunga Kredit Terhadap Profitabilitas di PT. Bank Pembangunan Daerah Bali Tahun 2011-2018. Warmadewa Economic Development Journal (WEDJ), 4(1), 1–6. https://doi.org/10.22225/wedj.4.1.3145.1-6
Omorokunwa, O. G., & Ogbeide, E. A. (2021). CREDIT RISK MANAGEMENT AND DEPOSIT MONEY BANK PERFORMANCE IN NIGERIA. Annual International Academic Conference on Accounting and Finance Disruptive Technology: Accounting Practices, Financial and Sustainability Reporting.
Purwanti, A., & Elfari, A. T. (2021). Determinasi Penyaluran Kredit Bank Pembangunan Daerah Di Indonesia. Jurnal Ilmiah Akuntansi Dan Keuangan, 04(01), 27–39.
Ramadhan, A. (2022). Minat Dan Keputusan Nasabah Bank Ntb Syariah Dalam Menggunakan Aplikasi Mobile Banking Pasca Bank Ntb Konversi Ke Bank Ntb Syariah (Studi Kasus Pada Pt Bank Ntb Syariah Kcp Bolo). Journal of Innovation Research and Knowledge, 1(Vol. 1 No. 9: Februari 2022), 883–898. https://bajangjournal.com/index.php/JIRK/article/view/1409/977
Rusnawati. (2023). Bank dan Lembaga Keuangan Lainnya. In Universitas Nusantara PGRI Kediri (Vol. 01).
Sadok, H., Sakka, F., & El Maknouzi, M. E. H. (2022). Artificial intelligence and bank credit analysis: A review. Cogent Economics and Finance, 10(1). https://doi.org/10.1080/23322039.2021.2023262
Syata, W. M., Nia, M., & Ilham, M. (2023). Perbankan dan Lembaga Keuangan Lainnya. Eureka Media Aksara.
Vo, D. H., Nguyen, N. T., & Thi-Hong Van, L. (2021). Financial inclusion and stability in the Asian region using bank-level data. Borsa Istanbul Review, 21(1), 36–43. https://doi.org/10.1016/j.bir.2020.06.003
Yanenkova, I., Nehoda, Y., Drobyazko, S., Zavhorodnii, A., & Berezovska, L. (2021). Modeling of Bank Credit Risk Management Using the Cost Risk Model. Journal of Risk and Financial Management, 14(5). https://doi.org/10.3390/jrfm14050211
DOI: https://doi.org/10.36262/widyakala.v12i1.1201
Refbacks
- There are currently no refbacks.
Copyright (c) 2025 WIDYAKALA JOURNAL : JOURNAL OF PEMBANGUNAN JAYA UNIVERSITY

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Redaksi Jurnal Widyakala
Lembaga Penelitian dan Pengabdian Kepada Masyarakat (LP2M)
Universitas Pembangunan Jaya
Jalan Cendrawasih Raya Blok B7/P, Sawah Baru, Ciputat, 15413
Telp : 021-7455555 ext 1311
widyakala.journal@upj.ac.id