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Neighbours from Hell 2. Neighbours from Hell 2 - 5. Comments 10 crinus jocu e fain merge si pe windows 7!!!!! Refresh comments list RSS feed for comments to this post. Nu injurati, iar daca nu va place jocul nu comentati, comentariul nu va fi publicat. Thursday, 13 January Template designed by LernVid. Syntax 2nd ed. New York: Academic Press. Klima, E. Negation in English In: Fodor, J. Katz eds. This research is an effort to overcome the truant behavior of students with group guidance services. This research instrument used a questionnaire consisting of 20 items about the effect of group guidance on student truant behavior, with the whole questionnaire already validated according to the characteristics of the research instrument questionnaire and the 38 questionnaires had been tested for validity and reliability.

The data analysis technique used is the hypothesis test and linearity test using the Product Moment formula. This shows that the hypothesis established by the researcher has been verified. Keywords: Group Guidance, Truant Behavior. This study aims to determine the professional competence of teachers, find out the implementation of teacher quality management, and find efforts in improving teacher professional competence in MAN 2 Model Medan. This type of research is a qualitative descriptive study that is a research procedure that produces descriptive data in the form of words written or spoken from the people and actors observed, directed from an individual's background as a whole holistic without isolating the individual and his organization in a variable but looking at it as part of a wholeness.

Qualitative research design by reading various written information, pictures, thinking and seeing objects and activities of people around them by conducting interviews and so on. This study uses qualitative techniques in data collection.

In general, in qualitative research, researchers use data collection techniques through interviews, observations, and document studies. Teacher professionalism correlates with the quality of educational products. Professional teachers make education or a quality learning process, so students are happy to participate in the learning process, so that human resources are produced from quality madrasa graduates, 2 generally the teachers at MAN 2 Model Medan apply various models of learning both learning cooperative and technology-based learning, 3 that there are two learning strategies that are always carried out by teachers in implementing the learning and teaching process, namely cooperative learning and technology-based learning, 4 the number of teachers in MAN 2 Field model has been certified and has career path is higher.

This can be seen from the large number of teachers who have undertaken higher education, namely Masters. Abdillah and A. Managere: Indonesian Journal of Educational Management.

AsrorunNi'am, Reorientasi Pendidikan Islam. Jakarta: Alba. Bafadal, I. Imron, A. Garvin, David di dalamNasution, S. Jakarta ; Depdikbud [5]. Kreitner, R. Boston : Houghton Mifflin Company.

The current research aimed to describethe quality of the classical counseling textbook assessed by some expert viewed from its content, design, media and trial result. Thecurrent study usedqualitative case study. The instrument used to collect data was questionnaire and interview. The participants involved were some expert consisted of content, design, and media expert. Meanwhile textbook trial was done to know its feasibility for the students.

Keywords: Assessment, classical counseling, textbook, validation, vocational. Ajowi, J. The role of guidance and counseling in promoting student discipline in secondary schools in Kenya: A case study of Kisumu district.

Educational Research and Reviews; 5 5 : Burks, H. Theories of counselling. New York: McGraw-Hill. Gitonga, M. Kinra, A. Guidance and counselling. Pearson Education India,. Makinde, O. Foundations of Guidance and Counselling. London: Macmillan Publishers Ltd,. When we say that educationis the most potent instrument for societal transformation, the concept of education implies the effective utilization of the various school subject taught in our schools of which social studies is one. Awhen, O.

F, Edinyang S. D and Ipuole, O. International Journal of Education and Research 2 : 4, [3]. Bennett, C 6 Skills Students need to succeed in social studies classes. Resources for Educators. Edinyang, S. D and Ubi, 1. International Knowledge Sharing Platform 2 pp. Englund, T. Journal of Curriculum Studies 6 38 , This study aims to determine character education in the families of Medan Al-Fithriah Elementary School students, with research focus 1 Character education values instilled in families of students of Al-Fithriah Elementary School Medan 2 Methods of planting family character values in students of Al-Fithriah Elementary School Medan.

This research is a qualitative research with case study research type. Data analysis techniques include reducing data, presenting data, and drawing conclusions. Terkait dengan asas akuntabilitas, Direksi telah menetapkan target kinerja di semua level manajemen termasuk individu dan melakukan evaluasi atas pencapaiannya. Direksi selalu melakukan evaluasi pengukuran key performance indicator KPI beserta pencapaiannya sehingga akan selalu tercipta perbaikan yang berkelanjutan dan selanjutnya akan meningkatkan daya saing dalam industri perbankan.

The Board of Directors has carried out the transparency principle by providing information not only required by the regulator but also voluntary information required by the stakeholders. In terms of the accountability principle, the Board of Directors has set performance targets at all levels of management, including individual and evaluated the achievements.

The Board of Directors always evaluated the measurement of key performance indicator KPI and its achievement so it will always create continuous improvement and will further enhance the competitiveness in the banking industry. Berdasarkan Peraturan Bank Indonesia No. Peraturan Bank Indonesia No.

Based on Bank Indonesia Regulation No. Bank Indonesia Regulation No. Dewan Komisaris memandang bahwa Direksi telah menyusun strategi-strategi pengembangan usaha yang tepat, khususnya untuk segmen korporat dan retail.

Selain itu, strategi pengembangan usaha Bank Victoria di adalah dengan menjadi bank umum devisa. The Board of Commissioners considered that the Board of Directors has developed appropriate business development strategies, particularly for corporate and retail segments. Direksi juga telah memprioritaskan pengembangan target UKM yang didukung oleh keberadaan dan keberpihakan program Pemerintah dan Bank Indonesia untuk mendukung pengembangan usaha kecil dan menengah.

Pembagian dividen tersebut telah diumumkan terlebih dahulu melalui surat kabar harian pada tanggal 16 Juni , serta telah dilaksanakan pada tanggal 23 Juli Based on the decisions of General Meeting of Shareholders on April 24, , Bank Victoria has distributed a cash dividend for the year ended December 31, amounted to Rp35,,, Dividends distribution was announced in advance through daily newspapers on June 16, , and was executed on July 23, Komite ini telah menyelenggarakan 11 kali rapat dan dihadiri oleh seluruh anggota Komite.

The Audit Committee has been run its role professionally and independently in This Committee held 11 meetings and attended by all members of the Committee.

Komite Pemantau Risiko telah melaksanakan pemantauan dan evaluasi terhadap pelaksanaan manajemen risiko serta evaluasi kesesuaian antara kerangka kebijakan manajemen risiko Bank dengan pelaksanaannya. Kinerja Komite Nominasi dan Remunerasi selama telah efektif. The Nomination and Remuneration Committee Performance during has been effective. In accordance with the Nomination and Remuneration Charter, this Committee has evaluated its remuneration policy of the Board of Commissioners, Directors, Executive Officers and Employees as a whole.

During , there has not been any change in the composition of the Board of Commissioners. Dewan Komisaris akan selalu menjaga profesionalisme dan independensi dalam menjalankan fungsi pengawasan dan memberikan pengarahan agar kinerja Bank dapat selalu meningkat di masa yang akan datang. Sebagai akhir kata, Dewan Komisaris menyampaikan penghargaan kepada segenap jajaran Direksi dan seluruh karyawan Bank Victoria, berkat dedikasi dan kerja keras, Bank mampu bertahan dalam kondisi perekonomian yang penuh tantangan.

The Board of Commissioners would like to express appreciation to all Board of Directors and all employees of Bank Victoria, thanks to the dedication and hard work, the Bank was able to withstand the challenging economic conditions. Direksi dengan segenap upaya telah berhasil menghadapinya dengan mampu bertahan di tengah tantangan yang berat. Atas nama Direksi Bank Victoria, perkenankan saya untuk menyampaikan pencapaian kinerja di With a great deal of efforts, the Board of Directors has successfully faced such challenges, and has been able to endure amidst the stiff challenges.

On behalf of Bank Victoria the Board of Directors, allow me to convey our performance achievement. PDB tercatat mencapai Rp PDB in has recorded to reach Rp10, On the production side, the highest growth was generated from the information and communication business sectors at Meanwhile, the growth in Financial Service and Insurance sectors was only at 4. Perlambatan pertumbuhan ekonomi Indonesia yang terjadi di tahun khususnya berasal dari sisi eksternal akibat pengaruh ekspor yang menurun dikarenakan turunnya permintaan dan harga komoditas global, serta adanya kebijakan pembatasan ekspor mineral mentah.

Dari sisi permintaan domestik, perlambatan tersebut didorong oleh terbatasnya konsumsi pemerintah seiring dengan program penghematan anggaran. Although growing at 5. Such slowing economic growth in Indonesia occurred in , which was particularly from the external side as a result of the slowing export due to the decrease in demand and global commodity prices, as well as the policy export restriction on raw minerals.

On the domestic side, such economic slowdown was pushed by the lack of government consumption which was in line with the budget saving program. Inflation remained under control at 8. Such achievement was above inflation target determined at 4. Besides, the Rupiah exchange rate depreciated against USD in point-to-point 1. Kondisi perekonomian tersebut telah berdampak pada industri perbankan.

Demikian pula dengan pertumbuhan kredit yang sepanjang tahun berada dalam tren menurun yang sejalan dengan melambatnya permintaan domestik. Perlambatan kredit tersebut terjadi hampir di semua sektor, termasuk sektor-sektor utama, seperti sektor perdagangan, hotel, restoran dan sektor industri pengolahan. Such economic condition has influenced banking industry.

Likewise, the credit growth throughout was in the declining trend, in line with the slowing domestic demand. Such slowing credit growth occurred in most of all sectors including the main sectors such as: trading hotel, restaurant and processing industry.

Laporan Tahunan Kebijakan Strategis Strategic Policy Direksi telah berupaya sebaik mungkin untuk menghadapi tantangan yang terjadi di industri perbankan. Berbagai strategi telah diupayakan oleh manajemen, baik terkait dengan pengembangan penghimpunan dana pihak ketiga maupun strategi pembiayaan kredit. Strategi pengembangan penghimpunan dana pihak ketiga antara lain adalah menerapkan segmentasi nasabah dengan tujuan agar bisa menelaah, menganalisis, serta memahami profil nasabah dari setiap produk Bank.

Dengan strategi tersebut, diharapkan program segmentasi yang dijalankan akan tepat sasaran. Di samping itu, Bank juga telah meluncurkan program VIP Banking sebagai segmentasi nasabah affluent; serta mempromosikan dan mensosialisasikan fitur-fitur ATM Bank Victoria yang dapat digunakan dalam jaringan ATM Prima kepada nasabah existing maupun nasabah baru.

Sedangkan strategi pembiayaan kredit yang telah dilakukan adalah dengan meningkatkan target pasar berdasarkan risk appetite yang sudah ditetapkan, meningkatkan portofolio kredit, mempercepat proses kredit, meningkatkan peran dan kualitas SDM di bidang perkreditan, dan meningkatkan management account secara konsisten. The Board of Directors has attempted its best possible efforts to face the challenges occurring in the banking industry. Various strategies were implemented by the management related to both the development of fund collection from the third party or credit financing strategy.

The strategy of the development of fund collection from the third party included among others: implementing the customer segmentation for a purpose of reviewing, analyzing and understanding the customer profile of each product of the Bank.

By implementing such strategy, it was expected the segmentation program will achieve the right target. Whilst the credit financing strategy implemented included : increasing the target market based on risk appetite that has been determined, increasing the credit portfolio, and accelerating the credit process, improving the role and quality of HR in the field of credit and improving account management consistently.

Pencapaian Keuangan Operational and Financial Performance Kinerja Operasional dan Stategi-strategi di atas mampu membuat Bank bertahan dan meningkatkan kinerja operasionalnya, baik terkait dengan kinerja produk simpanan, pinjaman, maupun layanan. The above strategies have enabled the Bank to survive and to improve its operational performance both relating to the performance of saving product, loan and services.

The number of the third party account having been collected at the Bank in has shown an increase by Such increase was dominated by an increase in saving by Meanwhile, the number of third party fund collected by the Bank experienced an increase in Such increase was generated from an increase in a number of saving by Berdasarkan jenis, struktur pinjaman yang diberikan Bank di didominasi oleh pinjaman tetap, pinjaman tetap dengan angsuran, pinjaman rekening koran, pembiayaan syariah, pinjaman konsumen, pinjaman serba guna, dan pinjaman tanpa agunan.

Kinerja penyaluran pinjaman tersebut bervariasi. Pinjaman tetap, pinjaman konsumen, dan pembiayaan syariah mengalami pertumbuhan positif dengan peningkatan terbesar dari pinjaman tetap. Sedangkan pinjaman rekening koran, pinjaman tetap dengan angsuran, pinjaman serba guna, dan pinjaman tanpa agunan sedikit mengalami pertumbuhan negatif. Saving product increased by Based on the type, loan structure offered by the Bank in was dominated by fixed loan, fixed loan with installment, overdraft loan, and unsecured loan.

The performance of such loan channeling was varied. Fixed loans increased by Rp1, Meanwhile, overdraft loans, fixed loans with installments, other loans and unsecured loans slightly negative growth.

Sedangkan berdasarkan sektor ekonomi, struktur pinjaman yang diberikan Bank di didominasi oleh sektor lembaga pembiayaan, diikuti sektor perdagangan, restoran dan hotel, sektor lain-lain, sektor industri, sektor real estate, sektor syariah, sektor konstruksi, dan sektor jasa-jasa sosial. Sebagian besar sektor tersebut mengalami peningkatan penyaluran pinjaman. Whereas, based on economic sector, the loan structure offered by the Bank in was dominated by financing sector followed by trading, restaurant and hotel, other sectors, industrial, real estate, sharia, construction and social services sectors.

The majority of such sectors experienced an increase in loan channeling. Such increase was largely from construction sector by Rp The Bank suffered a decrease in the operating income approximately by However, Bank Victoria remained in good condition with a profit of Rp The Bank even managed to record capital adequacy ratio CAR of Sedangkan penyaluran pinjaman sektor industri dan lain-lain mengalami pertumbuhan negatif.

Whereas, the loan channeling in industrial and other sectors indicated a negative growth. Peningkatan tersebut khususnya berasal dari peningkatan layanan kliring yang mencapai Rp,83 miliar dari Rp5.

In addition, services provided by the Bank experienced an increase by 4. Such increase was mainly from the improvement of clearing services by Rp Selama , Bank juga mampu mempertahankan tingkat kecukupan modal yang kuat. Throughout , the Bank has been able to maintain its strong capital adequacy level. By having strong Capital Adequacy ratio, the Bank was able to support good quality of credit portfolio. In addition to that, the minimum capital requirement ratio for credit and operational risks and the minimum capital requirement for credit, operational, and market risks reached by Dari sisi aset, Bank mampu meningkatkan total aset di menjadi Rp Peningkatan total aset tesebut khususnya berasal dari peningkatan aset keuangan.

On the asset side, the Bank was able to increase its total asset in by Rp21, Such increased total assets achieved by Rp2, The increase in total asset was particularly from the increase in financial assets. Namun demikian, akibat adanya tekanan ekonomi makro yang berdampak pada industri perbankan, Bank Victoria tidak mampu memenuhi target laba yang telah ditetapkan. Hal ini berdampak pada perubahan tingkat suku bunga di industri perbankan selama tahun , yakni tingkat suku bunga tabungan, deposito, dan kredit.

Akibat dari perubahan tersebut, Bank mengalami kenaikan beban bunga yang lebih besar dibandingkan kenaikan pendapatan bunga.

Hal tersebut menyebabkan pertumbuhan pendapatan operasional di tahun lebih rendah dibandingkan pertumbuhan di tahun Nevertheless, due to macroeconomic pressures which have influenced banking industry in , Bank Victoria was unable to meet its profit target that has been set.

This has influenced a change in interest rate of banking industry, e. As a result of such change, the Bank has experienced an increase in the interest expense which was much higher than the increased interest rate.

The interest expense rose by Meanwhile, the interest income rose by These have caused the growth in operating income in was lower than the growth in Bank telah berupaya untuk memenuhi target tersebut. Upaya tersebut antara lain dibuktikan dengan pencapaian total dana pihak ketiga, pendapatan bunga, dan pendapatan non operasional yang lebih besar dari target.

Selain itu, Bank telah berupaya menekan beban operasional selain bunga sehingga lebih rendah dari yang diperkirakan. The Bank has attempted to meet its target. Such attempts were proved by the achievement of total third party fund, interest income, and non-operating income which were larger that the targets. In addition, the Bank has devoted its effort to reduce the operating expenses except the interest expense, so that the operating expenses were lower than those projected.

Kendala-kendala yang Dihadapi Problems Faced Seperti telah disampaikan sebelumnya, tekanan ekonomi makro merupakan kendala utama yang dihadapi Bank di Di samping itu, Bank juga menghadapi kendala-kendala internal antara lain Bank memiliki struktur dana pihak ketiga yang lebih banyak terkonsentrasi pada deposito.

Hal ini menyebabkan cost of fund bank masih relatif tinggi. Namun demikian, Bank terus berupaya untuk mengurangi konsentrasi pada deposito. As explained previously, macroeconomic pressures were the major problems encountered by the Bank in Besides, the Bank also faced internal problems such as: the third party structure which was concentrated mainly on deposits.

This has caused a relative high cost of fund. However, the Bank continuously attempts to reduce the concentrated deposits. Oleh karena itu, produktivitas kantor-kantor cabang, kantor cabang pembantu, dan kantor kas masih belum optimal.

Kendala ini telah dihadapi dengan pemberian arahan coaching kepada setiap Pimpinan Cabang oleh Divisi Kantor Pusat. Other internal problems faced were the lack of sales team in branches to support the business development, increased funding and credit provision. Therefore, the productivity of branch offices, sub-branches, and cash offices was not yet sufficiently optimal. These problems have been overcome by providing coaching session to each Branch Manager by the Head Office Division.

Hal tersebut ditujukan untuk memastikan bahwa Bank Victoria memiliki struktur permodalan yang kuat untuk mendukung strategi pengembangan ekspansi usaha saat ini dan mempertahankan kelangsungan pengembangan di masa mendatang. Selama tahun , terjadi konversi Waran Seri VI sebanyak Konversi waran tersebut dilakukan pada periode Januari dan Juni Dana yang diperoleh dari hasil konversi waran tersebut senilai Rp Atas perolehan dana tersebut, telah digunakan sepenuhnya untuk menambah atau meningkatkan modal kerja Bank sesuai yang direncanakan dalam prospektus.

For the purpose of creating a strong capital structure, Bank Victoria continually makes a plan on the capital requirement and discusses it routinely. The purpose is to ensure that Bank Victoria has a strong capital structure to support the strategy of expansion development undertaken currently and to maintain the sustainability of the future development. Such warrant conversion was undertaken in the period of January and June The proceeds from warrant conversion amounted to Rp50,,, Such proceeds were used entirely for adding or increasing working capital of the Bank as planned in the prospectus.

Hal ini disebabkan tetap kuatnya konsumsi rumah tangga serta ekspansi konsumsi dan investasi pemerintah yang sejalan dengan peningkatan kapasitas fiskal untuk mendukung kegiatan ekonomi produktif, termasuk pembangunan infrastruktur. Dari sisi eksternal, pemulihan ekonomi negara maju, khususnya Amerika Serikat, diperkirakan dapat mendorong peningkatan ekspor, khususnya ekspor manufaktur.

Meskipun demikian, sejumlah risiko perlu diwaspadai, khususnya terkait tingginya volatilitas pasar keuangan global yang sejalan dengan kemungkinan kenaikan suku bunga Fed Fund Rate di Amerika Serikat dan anjloknya harga komoditas dunia. Bank Indonesia has projected the economic growth in to reach the level of 5. This is due to the continued strength of household consumption and consumption expansion as well as the government investment which were in line with the increased fiscal capacity to support the productive economic activities including infrastructure development.

On the external side, economic recovery of developed countries particularly the United States is projected to encourage the increased exports, especially manufacturing exports. However, there are a number of risks that needs to be taken into account particularly in relation to the high volatility of global financial market which is in line with the possibility of an increase in the Fed Fund Rate in the United States, and the falling prices of world commodities.

Untuk mengantisipasi risiko yang mungkin timbul, pada tahun , kebijakan Bank Indonesia tetap difokuskan untuk menjaga stabilitas makroekonomi dan stabilitas sistem keuangan melalui penguatan bauran kebijakan di bidang moneter, makroprudensial, dan sistem pembayaran. Di bidang moneter, kebijakan akan tetap secara konsisten diarahkan untuk mengendalikan inflasi menuju sasarannya dan defisit transaksi berjalan ke tingkat yang sehat melalui kebijakan suku bunga dan stabilisasi nilai tukar sesuai nilai fundamentalnya.

Di bidang makroprudensial, relaksasi ketentuan makroprudensial akan dilakukan secara selektif guna memperluas sumber-sumber pendanaan bagi perbankan, sekaligus mendukung pendalaman pasar keuangan dan mendorong penyaluran kredit ke sektor-sektor yang produktif yang prioritas. Sementara itu, di bidang sistem pembayaran, kebijakan diarahkan untuk mengembangkan industri sistem pembayaran domestik yang lebih efisien.

Berbagai kebijakan tersebut akan disertai dengan To anticipate risks that may incur in , Bank Indonesia policy remains focused on maintaining macroeconomic stability and financial system stability by strengthening the policy mix in monetary sector, macroprudential and payment systems.

In the monetary field, the policy will remain consistently directed to controlling inflation to the target and the current account deficit t a healthy level, through policy on interest rate and exchange rate stabilization corresponding fundamental value.

In macroprudential field, relaxation of macroprudential rules will be selective, in order to broaden the sources of fund for banks, as well as to support the deepening financial market and to encourage credit channeling to the prioritized productive sectors. Meanwhile, in payment system field the policies will be directed to develop a more efficient domestic payment system.

Such policies will be accompanied by an increase in coordination between the Government and relevant institutions, so that macroeconomic stability is maintained with 32 PT Bank Victoria International Tbk. Laporan Tahunan peningkatan koordinasi Pemerintah dengan institusi terkait sehinga stabilitas makroekonomi tetap terjaga dengan struktur perekonomian yang semakin kuat dan mendukung pertumbuhan ekonomi yang lebih tinggi.

Melihat prospek usaha industri perbankan Indonesia di tersebut, Bank Victoria berusaha sebaik-baiknya untuk meraih setiap peluang dan potensi yang tercipta, khususnya untuk segmen korporat dan retail. Dengan keunggulan yang dimiliki oleh Bank, Direksi optimis bahwa prospek usaha di masa yang akan datang akan cerah.

Hal ini bisa dijelaskan sebagai berikut: 1. Bank memiliki fokus area pemasaran di seputar Jabodetabek Greater Jakarta Area , hal tersebut akan memberikan peluang bagi Bank untuk fokus dalam ekspansi usaha yang terpusat; Looking at the prospect of banking industry in Indonesia in , Bank Victoria devotes its best possible efforts to reap each opportunity and potential created, particularly for corporate and retail segments. By having competitive advantage, the Board of Directors is optimistic that business prospects in the future will be attractive, as explained in the following: 1.

The Bank has focus on marketing area around Jabodetabek Greater Jakarta Area providing opportunities for the Bank to be focused on the development of centralized business expansion; 2. With the Indonesian economic growth is relatively stable, this will encourage the development of middle class society which is in line with the target market of the Bank; 3. The Bank plans to prioritize more on the development of SME and commercial target market, which is supported by the existence and alignment of the Government and Bank Indonesia programs to stimulate the development of small and medium enterprise, as well as infrastructure development; 4.

The Bank has a business group which support business development of the Bank, such as Bank Victoria Syariah, Victoria Sekuritas and Victoria Insurance which will enable the cross-selling for existing customers.

Dengan pertumbuhan ekonomi Indonesia yang relatif stabil, akan mendorong berkembangnya masyarakat kelas menengah middle class yang sesuai dengan target market Bank; 3. Bank berencana untuk lebih memprioritaskan pengembangan target market SME dan Commercial, hal ini didukung oleh keberadaan dan keberpihakan program Pemerintah dan Bank Indonesia untuk mendukung pengembangan usaha kecil dan menengah serta pengembangan infrastruktur; 4.

Bank memiliki grup usaha yang mendukung perkembangan bisnis Bank, seperti Bank Victoria Syariah, Victoria Sekuritas dan Victoria Insurance sehingga dapat dilakukan cross-selling terhadap nasabah yang ada.

Saat ini Bank Victoria telah memiliki kantor dimana terdiri dari kantor operasional dan 1 kantor pusat. Bank telah menyiapkan strategi pengembangan usaha yang tepat, antara lain dengan mengoptimalkan potensi dari kantor operasional Bank Victoria yang ada melalui pengelolaan kantor yang lebih efektif sesuai mekanisme area dan cluster. Dari aspek operasional dan teknologi, Bank berkomitmen untuk menyediakan layanan operasional perbankan yang efisien, nyaman, cepat, dan handal yang berbasis kepada orientasi GCG dan orientasi bisnis.

Currently Bank Victoria has offices consisting of operational offices and 1 head office. The Bank has prepared a strategy on the proper business development, such as: optimizing the potential of operational offices of Bank Victoria through the more effective office management according to the area and cluster mechanism. On the aspects of operation and technology, the Bank commits to providing efficient, convenient, fast, and reliable bank operational services GCG orientation-based and business-oriented services.

Bank sangat merasakan manfaat dari implementasi GCG. Dengan menerapkan GCG maka keselarasan tujuan Bank dengan tujuan para stakeholdersnya akan terjalin dengan baik. Dengan adanya keselarasan tujuan maka akan tercipta iklim bisnis yang kondusif dan selanjutnya akan mendorong peningkatan kinerja.

The Bank considerably enjoys the benefit of GCG implementation. By having the harmonious purposes will create a conducive business climate which will further encourage the performance improvement. Direksi sangat memahami bahwa Bank merupakan lembaga kepercayaan dan memiliki kewajiban untuk melakukan pelayanan publik.

Terkait dengan hal tersebut, GCG merupakan unsur kunci yang dibutuhkan agar kedua fungsi tersebut bisa berjalan dengan baik. The Board of Directors has fully understood that the Bank is a trustworthy institution and has an obligation to provide public services. In line with this, GCG is a key component required enabling such function to be performed well.

Ketiga organ Bank tersebut telah menjalankan perannya masing-masing dalam memenuhi kewajibannya kepada Pemegang Saham dan pemangku kepentingan lainnya. Each three organs of the Bank have performed each role in fulfilling its obligation for the Shareholders and other stakeholders.

RUPS adalah organ Bank yang memegang kekuasaan tertinggi dan memegang segala kewenangan yang tidak dapat didelegasikan atau diserahkan kepada Direksi dan Dewan Komisaris.

Selain itu, RUPS juga berfungsi sebagai forum pertanggungjawaban kepengurusan Direksi dan Komisaris atas hasil kinerjanya dalam kurun waktu yang telah ditentukan. In addition to this, RUPS also performs a function as an accountability forum of the Board of Directors and The Board of Commissioners management on their performance within a designated timeframe. Bank Victoria telah menyelenggarakan RUPS tahunan dalam waktu yang tidak melewati batas yang ditentukan, yaitu pada tanggal 24 April Pemegang Saham diberikan kesempatan untuk mengajukan usul mata acara RUPS sesuai dengan peraturan perundangundangan.

In conducting RUPS, efforts taken were the following: 1. The Shareholders are given opportunities to submit a proposal on the agenda of RUPS according to the regulations. Laporan Tahunan Dewan Komisaris dan Direksi, yang memiliki wewenang dan tanggung jawab yang jelas sesuai fungsinya masing-masing sebagaimana diamanahkan dalam Anggaran Dasar dan peraturan perundang-undangan.

Dewan Komisaris berjumlah 4 empat orang, terdiri dari 1 satu orang Komisaris Utama merangkap Komisaris Independen, 1 satu orang Komisaris dan 2 dua orang Komisaris Independen. Dengan demikian, komposisi anggota Dewan Komisaris sudah sesuai dengan aturan yang berlaku.

The Board of Commissioners and the Board of Directors having the authorities and clear responsibilities according to each function as having been mandated in Article of Association and rules and regulations of Board Commissioners have a number of 4 four members consisting of 1 one President Commissioner concurrently Independent Commissioner, 1 one Commissioner and 2 two Independent Commissioners.

Therefore, the composition of The Board of Commissioners has complied with the prevailing regulation. Di dalam pelaksanaan tugas dan tanggung jawab tersebut, selama Dewan Komisaris telah melaksanakan pemantauan dan pengawasan terhadap pelaksanaan Rencana Bisnis Bank.

Kebijakan GCG bagian Direksi berisi tentang petunjuk tata laksana kerja Direksi, serta menjelaskan tahapan aktivitas secara terstruktur, sistematis, mudah dipahami dan dapat dijalankan dengan konsisten, dapat menjadi acuan bagi Direksi dalam melaksanakan tugas masing-masing untuk mencapai visi dan misi perusahaan.

The GCG policy of the Board of Directors contains guidelines in performing the Board of Directors governance, as well as the explanation of stages of activities in a well-structures ways, systematic, easily understood and doable consistently. Pelaksanaan evaluasi kinerja dilakukan secara komprehensif, berjenjang, dan berkala. The performance evaluation is conducted comprehensively, in tier and periodically.

Self assessment merupakan upaya sistematik untuk menghimpun dan mengolah data fakta dan informasi yang handal dan sahih sehingga dapat disimpulkan kenyataan yang dapat digunakan sebagai landasan tindakan manajemen agar pelaksanaan GCG dapat dilakukan secara efektif. Self assessment menjadi bagian dari mekanisme check and balances. Dengan evaluasi, maka capaian kegiatan dapat diketahui dengan pasti dan tindakan lebih lanjut untuk memperbaiki kinerja suatu kegiatan dapat ditetapkan.

In monitoring the implementation of GCG, Bank Victoria conducted self-assessment and evaluation by external party. Self-assessment a systematic effort to collect and process reliable and valid data facts and information , so that the summarized facts can be used as a basis for the management action.

Therefore, GCG can be implemented effectively. Self-assessment is part of check and balances mechanism. By conducting the evaluation, the achievement of activities can be definitely monitored and further action can be taken to improve the performance of activities as planned. Pursuant to Bank Indonesia Regulation No.

Sedangkan untuk kegiatan evaluasi eksternal, dilakukan oleh pihak yang independen. Evaluasi ekternal dimaksudkan untuk mendapatkan second opinion terhadap kualitas implementasi GCG dalam rangka perbaikan kualitas implementasi GCG secara berkelanjutan. Meanwhile, the evaluation of external activities conducted by independent party. The purpose of external evaluation is for obtaining second opinion on the quality of GCG implementation, in order to improve the quality of GCG implementation sustainably.

Manajemen Risiko Risk Management Untuk mengantisipasi dan beradaptasi dengan perubahan lingkungan bisnis perbankan yang dinamis, maka Bank Victoria menerapkan manajemen risiko sebagai konsep strategis. This also included the revisions of 37 existing SOP.

Pendekatan yang dilakukan dalam mendukung penerapan manajemen risiko Bank Victoria secara efektif adalah dengan melakukan pendekatan komprehensif untuk mengelola risiko-risiko Bank secara menyeluruh, meningkatkan kinerja dalam mengelola ketidakpastian, meminimalisir ancaman dan memaksimalkan peluang tanpa mengabaikan prinsip-prinsip manajemen risiko paling kurang mencakup 4 empat pilar, yaitu: 1.

The Board of Commissioners and the Board of Directors are also responsible for implementing the strategy and risk management by way of defining and communicating risk policy and strategy, monitoring and controlling risks and evaluating the application of policy and strategy, and establishing committees for a purpose of assisting the conduct of the Board of Commissioners and the Board of Directors duties to support the application of Risk Management effectively.

For the purpose of controlling effectively, the policies and procedures owned by the Bank shall be based on Risk Management strategy equipped with Risk tolerance and risk limits.

The setting of risk tolerance and risk limits shall be conducted taking into account the Risk level that will be taken and the overall of the Bank strategy. The sufficient identification process, measurement, risk monitoring and controlling as well as information system of Risk Management Part of the implementation of Risk Management includes identification, measurement, monitoring, and controlling risk.

Risk identification is proactive including all business activities and conducted for a purpose of analyzing the sources and the possibility of risks to incur, as well as their impacts. Furthermore, risk exposure measurement will be undertaken according to the characteristics and complexity of business activities as guidelines for carrying out control after monitoring has been conducted.

The process of the abovementioned implementation of Risk Management has been bolstered by Risk Management Information System which constitutes a part of management information system according to the needs on the effective implementation of Risk Management. Dewan Komisaris dan Direksi bertanggung jawab atas efektivitas penerapan Manajemen Risiko diantaranya melalui menetapkan struktur organisasi yang mencerminkan secara jelas mengenai batas wewenang, tanggung jawab dan fungsi, serta independensi antar unit bisnis dengan unit kerja manajemen risiko, melakukan persetujuan dan peninjauan berkala mengenai strategi dan kebijakan risiko yang mencakup tingkat toleransi Bank terhadap risiko dan siklus perekonomian, bertanggung jawab untuk mengimplementasikan strategi dan kebijakan risiko dengan cara menjabarkan dan mengkomunikasikan kebijakan dan strategi risiko, memantau dan mengendalikan risiko dan mengevaluasi penerapan kebijakan dan strategi, dan membentuk komite-komite yang bertujuan untuk yang membantu pelaksanaan tugas Dewan Komisaris dan Direksi untuk mendukung penerapan Manajemen Risiko secara efektif.

Kecukupan kebijakan, prosedur dan penetapan limit Penerapan Manajemen Risiko didukung dengan kerangka yang mencakup kebijakan dan prosedur Manajemen Risiko serta limit risiko yang ditetapkan secara jelas sejalan dengan visi, misi, dan strategi bisnis Bank. Kebijakan Manajemen Risiko disusun sesuai dengan karakteristik, kegiatan dan kompleksitas kegiatan usaha Bank, strategi bisnis dan risk appetite Bank. Dalam rangka pengendalian risiko secara efektif, kebijakan dan prosedur yang dimiliki bank harus didasarkan pada strategi Manajemen Risiko dan dilengkapi dengan toleransi risiko dan limit risiko.

Penetapan toleransi risiko dan limit risiko dilakukan dengan memperhatikan tingkat risiko yang akan diambil dan strategi Bank secara keseluruhan. Kecukupan proses identifikasi, pengukuran, pemantauan, dan pengendalian risiko serta sistem informasi Manajemen Risiko Bagian dari penerapan Manajemen Risiko adalah identifikasi, pengukuran, pemantauan, dan pengendalian risiko.

Identifikasi risiko bersifat proaktif, mencakup seluruh aktivitas bisnis dan dilakukan dalam rangka menganalisa sumber dan kemungkinan timbulnya risiko serta dampaknya. Selanjutnya, dilakukan pengukuran eksposur risiko sesuai dengan karakteristik dan kompleksitas kegiatan usaha sebagai acuan untuk melakukan pengendalian, setelah dilakukan pemantauan.

Dalam proses penerapan Manajemen Risiko di atas telah didukung oleh Sistem Informasi Manajemen Risiko yang merupakan bagian dari sistem informasi manajemen sesuai dengan kebutuhan dalam rangka penerapan Manajemen Risiko yang efektif. Sistem pengendalian intern yang menyeluruh Pelaksanaan sistem pengendalian intern dalam penerapan Manajemen Risiko mengacu pada kebijakan dan prosedur yang telah ditetapkan dengan batasan wewenang dan tanggung jawab pada setiap unit kerja, penetapan limit-limit yang memadai, kaji ulang yang efektif, independen, dan obyektif terhadap kebijakan, kerangka dan prosedur operasional Bank serta pelaksanaan audit berkala dengan cakupan yang memadai.

Comprehensive Internal Control System The implementation of internal control system in Risk Management refers to the policy and procedure set out with a restriction of authorities and responsibilities on each of work unit, sufficient limits setting, effective review, independent and objective on the policies, framework and operational procedure of the Bank as well the conduct of regular audit with sufficient coverage.

Terdapat 8 Risiko yang dikelola Bank yaitu risiko kredit, risiko likuiditas, risiko pasar, risiko operasional, risiko stratejik, risiko kepatuhan, risiko hukum dan risiko reputasi. Selain itu, terdapat 2 risiko tambahan lainnya yaitu risiko imbal hasil rate of return risk dan risiko investasi equity investment risk yang dikelola oleh anak perusahaan Bank Victoria Syariah.

Risiko-risiko tersebut telah dikelola dengan baik. Hasil penilaian risiko di menunjukkan peringkat low hingga low to moderate dan memiliki peringkat kualitas satisfactory.

There are 8 eight risks managed by the Bank, namely credit risk, liquidity risk, market risk, operational risk, strategic risk, compliant risk, legal risk, and reputational risk. In addition, there are 2 two other additional risk, such as rate of return risk, and equity investment risk managed by Bank Victoria Syariah subsidiary. Such risks have been well managed. The result of risk assessment in showed from a low ranking to low to moderate ranking and having satisfactory ranking quality.

Information Technologi Governance Information Technology Governance Bank senantiasa melakukan pengembangan dalam Teknologi Informasi TI sesuai dengan arahan kebijakan Rencana Bisnis Bank yang menetapkan bahwa Bank akan melakukan perubahan pada konsep Branchless Banking sehingga Bank dapat melayani seluruh nasabahnya di mana pun berada.

Dalam hal pengembangan TI ke depan menuju branchless banking, Bank senantiasa mengikuti perkembangan teknologi yang ada untuk mendukung kebijakan produk serta bisnis Bank. The development of IT in the future will be directed towards branchless banking.

Perencanaan Sistem dan Teknologi Informasi akan senantiasa diperbaharui sesuai dengan perkembangan yang mungkin terjadi dalam strategi usaha Bank serta mengikuti dan menyesuaikan time plan Rencana Bisnis Bank tahun Sistem Pengendalian Intern Internal Control System Sistem pengawasan intern merupakan komponen penting dalam manajemen Bank dan menjadi acuan dalam kegiatan operasional yang sehat dan aman.

Sistem pengendalian intern Bank Victoria ditujukan untuk: 1. Menjaga aset Bank; 2. Menjamin tersedianya pelaporan keuangan dan manajerial yang dapat dipercaya; 3. Meningkatkan kepatuhan Bank terhadap ketentuan dan peraturan perundang-undangan yang berlaku; 4. Mengurangi risiko terjadinya kerugian, penyimpangan dan pelanggaran aspek kehati-hatian; dan Meningkatkan efektivitas organisasi dan meningkatkan 5. Internal control system is an important component in the Bank and has become a reference in its health and safe operations.

To ensure the availability of reliable financial and managerial reports; 3. To reduce the risks from the loss to incur, defect and violation against prudential aspects; and 5. To increase the effectiveness of organization and to improve cost efficiency.

Dengan pengendalian intern yang baik diharapkan mampu mendukung pencapaian sasaran dan kinerja yang ditetapkan manajemen, menambah kepercayaan bagi manajemen dan mendorong kepatuhan pada ketentuan dan peraturan perundangundangan yang berlaku, serta meminimalisir risiko kerugian yang timbul melalui proses pengelolaan risiko yang akurat dan memadai. Having a well internal control in place is expected to support the achievement of objective and performance set by the management, to boost the management confidence and to enforce the compliance with the prevailing rules and regulations, as well as to minimize the loss risk that possibly incur through the accurate and sufficient risk management process.

Elemen Sistem Pengendalian Intern Bank meliputi sebagai berikut: 1. Pengawasan oleh manajemen dan kultur pengendalian. Dewan Komisaris bertanggung jawab untuk memastikan bahwa Direksi telah memantau efektivitas pelaksanaan sistem pengendalian intern, sehingga Dewan Komisaris memiliki peran aktif untuk memastikan adanya perbaikan terhadap permasalahan Bank yang dapat mengurangi efektivitas sistem pengendalian intern.

Direksi bertanggung jawab untuk menetapkan kebijakan dan strategi serta prosedur pengendalian intern. Direksi juga bertanggung jawab untuk memantau kecukupan dan efektifitas dari sistem pengendalian intern. Dewan Komisaris dan Direksi bertanggung jawab dalam meningkatkan etika kerja dan integritas yang tinggi serta menciptakan kultur organisasi yang menekankan pada seluruh pegawai Bank mengenai pentingnya pengendalian intern yang berlaku di Bank.

Identifikasi dan penilaian risiko. Penilaian risiko merupakan serangkaian tindakan yang dilaksanakan oleh Direksi dalam rangka identifikasi, analisis dan menilai risiko yang dihadapi Bank untuk mencapai sasaran usaha yang ditetapkan. Kegiatan pengendalian dan pemisahan fungsi. Kegiatan pengendalian meliputi kebijakan, prosedur dan praktek yang memberikan keyakinan pejabat dan pegawai Bank bahwa arahan Dewan Komisaris dan Direksi Bank telah dilaksanakan secara efektif. Kegiatan pengendalian dapat membantu Direksi termasuk Komisaris Bank dalam mengelola dan mengendalikan risiko yang dapat mempengaruhi kinerja atau The internal control system of Bank Victoria refers to Bank Indonesia Circular Letter No.

The elements of Internal Control System of the Bank cover the following: 1. Supervision by the management and control culture. The Board of Directors is also responsible for monitoring the adequacy and effectiveness of internal control system.

Identification and risk assessment. Risk assessment is a series of activities carried out by the Board of Directors in order to identify analysis and assess the risk faced by the Bank to achieve the business objectives that have been set. The activities of controlling and separating of functions. Pemisahan fungsi dimaksudkan agar setiap orang dalam jabatannya tidak memiliki peluang untuk melakukan dan menyembunyikan kesalahan atau penyimpangan dalam pelaksanaan tugasnya pada seluruh jenjang organisasi dan seluruh langkah kegiatan operasional.