Bank Aceh Research Articles

ANALISIS PENGELOLAAN DANA HAJI PADA PT. BANK ACEH SYARIAH

<p><em>Since the transfer of hajj funds from the Ministry of Religion to BPKH, BPKH has managed haj funds, one of which is by placing on Islamic bank products. The Islamic banks selected as managers and recipients of Hajj fund deposits are 31 Islamic banks. One of them is Bank Aceh Syariah. This study aims to determine the management of Hajj funds in Bank Aceh Syariah. The method used is descriptive analysis with a qualitative approach. The results of this study indicate that the management of Hajj funds at PT. Bank Aceh Syariah uses the wadiah yad dhamanah contract. Hajj funds at Bank Aceh Syariah are channeled to financing products so that they can be useful to increase profitability and maintain the liquidity of Aceh's banks. In addition, pilgrims also benefit in the form of returns from the management of the pilgrimage fund which is used to subsidize the pilgrimage departure funds of pilgrims.</em></p><p><em> </em></p><p><em><br /></em></p>

Implementasi Prinsip Bagi Hasil dan Resiko di Perbankan Syariah (Studi di Bank Aceh Syariah Cabang Meulaboh Aceh Barat)

This research entitled Implementation of Profit Sharing and Risk in Sharia Banking (Study at Bank Aceh Syariah Branch Meulaboh West Aceh), with the aim of: First, to know the implementation of aqad funding products at Bank Aceh Syari'ah Branch Meulaboh. Second, to know the implementation of financing product aqad at Bank Aceh Syari'ah Branch Meulaboh and Third, to know the obstacle in implementation of profit sharing principle and risk at Bank Aceh Syari'ah Branch Meulaboh. The method used in this study is a qualitative method with data collection techniques such as observation, interview and documentation. While the results of this study indicate that: First, the implementation of aqad funding products at Bank Aceh Syariah Branch Meulaboh done using wadi'ah and Mudharabah principles. Wadi'ah principle with aqad wadi'ah giro product and wadi'ah savings. While the principle of mudharabah using mudharabah savings account and mudharabah deposit. In the calculation of profit sharing only on the principle of mudharabah while in principle wadi'ah only a bonus given to the willingness of the bank. The calculation pattern for the results is by using the revenue sharing principle which means the calculation of the total revenue from the management of funds and the amount of the share of profit sharing depends on the initial agreement. Second, the implementation of aqad of financing products at Bank Aceh Syariah Branch Meulaboh using several contracts such as purchase and purchase agreement, profit sharing contract, lease agreement, contract and guarantee credentials trust. The profit-sharing agreement uses mudaraba and musharaka. In the implementation of financing with this principle is still low compared with other financing principles such as murabaha, this is due to several factors such as the difficulty of finding and obtaining honest customers, good character and high integrity, high risk to be borne by banks, the attitude of people who still consider banking products sharia is the same as conventional banks and the absence of moral standards in financing activities for the results. Third. obstacles in the implementation of profit sharing principles and risks at Bank Aceh Syari'ah Branch Meulaboh such as Human Resources, Sharia Banking Management, Limited Office Network, and still weak government regulations on Sharia Banking.

MOBILE BANKING: ANALISA PENGGUNAAN PADA NASABAH PT. BANK ACEH SYARIAH CABANG LHOKSEUMAWE: PENDEKATAN TECHNOLOGY ACCEPTANCE MODEL (TAM)

Mobile banking offers convenience in conducting banking transactions. Customers who use mobile banking will get customer information in conducting banking transactions. PT Bank Aceh Syariah Lhokseumawe Branch Lhokseumawe Branch, as one of the banking institutions, is well aware that service to customers must be adjusted to advance technological outlook. This study limits only using three factors and needs to be considered by researchers, because the Technology Acceptance Model (TAM) as a model of user acceptance in an information system. Based on this analysis it is known that or a constant of 92.343% means the three variables namely Perception of Ease, Comfort, and Trust has an influence on the preference variable of 21.453%, the regression coefficient of perceived convenience variable (X1) of 55.7%, the regression coefficient of comfort variable (X2) of 27.9%, and the regression coefficient of the trust variable (X3) of 93.8%. Based on the results of the F-Test and T-test, it can be seen that the most dominant factor influencing customer interest in using mobile banking is the trust factor because the value of the trust variable is greater than that of other variables.

Pengaruh Perceived Value Terhadap Behavioral Loyalty melalui Customer Satisfaction Sebagai Variabel Pemediasi pada Pengguna Credit Card Co-Branding Bank Aceh

The main objectives of the study is to analyze the effect of perceived value on customer satisfaction and its impact on the behavioral loyalty of users co-branding credit card of Bank Aceh Syariah. The research sample are 250 customers taken by random sampling. Data collection uses a questionnaire, and then the data is analyzed by statistical means of path analysis. The study found that perceived value has a positive and significant effect on customer satisfaction and behavioral loyalty. Customer satisfaction also has a positive and significant effect on behavioral loyalty. The existence of customer satisfaction strengthens the influence of perceived value on behavioral loyalty. The effect of mediating customer satisfaction in mediating the functional relationship between the two variables is partial mediation.

Analisis Strategi Komunikasi Pemasaran Pada PT.PT. Bank Aceh Melalui Pendekatan Teori AIDA

Abstract This research was conducted to analyze and illustrates the used of AIDA model in marketing communication or an advertisement to engages and persuades the consumers in purchasing decision or choosing the brand. The descriptive analysis research methodology was used as the method to implement the research through qualititave reseach . It will describes the marketing communication strategy used by PT. Bank Aceh to promote their product to the consumers in Aceh Province. AIDA theoritical approach which was introduced by Wilbur Schramm, has been used to analyze the marketing programs and the effectiveness of programs to target the consumers. The respondents are the consumers of PT. Bank Aceh which were considered had better understanding of the marketing programs and the impacts to their choice when they have to make decision of purchasing banking products and facilities. The result shows that the marketing communication strategies which have been implemented by PT. Bank Aceh have been considered as the effective strategy to approach new customers and to maintain customer retention. However, it needs improvement in term of media and the dilivered messages to adapt to the latest customers lifestyle. Keywords : AIDA Model, Marketing Communication, Promotion

Analisis Kinerja Keuangan Bank Aceh Setelah Konversi Periode 2016-2018 Berdasarkan Peraturan Otoritas Jasa Keuangan Nomor 8/POJK.03/2014

<p>This research aims to find out how Bank Aceh's financial performance after conversion in terms of earnings and capital. The type of research used is quantitative descriptive research. The data collection method used is the documentation method based on the data in the form of quarterly financial statements for the 2016-2018 period published. The method of data analysis in this study is by using the RGEC method (Risk Profile, Good Corporate Governance, Earning and Capital). The results of the study show that Bank Aceh's financial performance in terms of profitability ranks 2, with the definition that profitability is adequate, profit exceeds the target and supports the growth of bank capital. Bank Aceh's decision to convert to sharia as a whole was a very appropriate decision because it was able to show good performance, besides that it also supported the Aceh Government in carrying out its programs to enforce Islamic law. Bank Aceh's financial performance in terms of capital also ranks 2, with the definition that banks have adequate capital quality and adequacy relative to their risk profile, which is accompanied by strong capital management in accordance with the characteristics, scale of business and the complexity of the bank's business.</p>

The Implementation of Musyarakah by PT Bank Aceh Branch of Banda Aceh, Indonesia

According to Article 19 Paragraph (1) of the Law Number 21 of 2008 concerning Sharia Banking, one of the activities of Sharia Banking is to provide financial funding based on musyarakah (profit sharing). The implementation of musyarakah by PT Bank Aceh Syariah in Banda Aceh has been covered up to 85 customers from the period of 2015 to 2017. In musyarakah contract the customers have to fulfil their obligations to pay the payments to the bank. However, the fact shows that the customers could not fulfil their obligations to pay their payments to the bank because they have income problems in running their businesses. From 2015 to 2017 there were seven customers were not well performed musyarakah. This condition has resulted in breach of contract by the customers which is known as non-performing musyarakah funding. This study aims to scrutinize legal consequences arising from non-performing musyarakah funding and identify the efforts taken in the settlement of this problem. This study is an empirical juridical research. Data required for this study were collected through field research by interviewing respondents or informants. The result shows that the legal consequences arising from this non-performing musyarakah funding were pledges or defaults by the customers because they violate the Article 12 of Musyarakah contract. The efforts taken in settling this problem among others are collecting the arrear obligations and handling non-performing musyarakah to the bank’s officer to be analysed based on legal analysis. Therefore, it is advised that the customers should fully fulfil their obligation to pay their payments to the bank based on musyarakah contract. Then, the bank officers are suggested to fully analyse the arrear obligations of the customers based on legal analysis. By doing so it could reduce non-performing musyarakah funding in the future

The Influence of Service Quality on Clients' Satisfaction and Its Effect on Their Loyalty at PT Bank Aceh, Medan Branch

PT. Bank Aceh, Medan Branch, undergoes the decrease in its clients’ loyalty which indicated by the increase in non-active clients in the period of 2011-2015. The objective of this research was to find out and analyze the influence of Service Quality on Clients’ satisfaction and its effect on their loyalty at PT. Bank Aceh, Medan Branch. The data were gathered by conducting descriptive quantitative survey and distributing questionnaires to 94 respondents and analyzed by using path analysis. The result of the research showed that, simultaneously, tangibles, reliability, responsiveness, assurance, and empathy had positive and significant influence on clients’ loyalty. Partially, tangibles had positive and significant influence on clients’ loyalty, reliability had positive and significant influence on clients’ loyalty, responsiveness had positive and significant influence on clients’ loyalty, assurance did not have any positive and significant influence on clients’ loyalty, and empathy had positive and significant influence on clients’ loyalty at PT. Bank Aceh, Medan Branch. Clients’ satisfaction had positive and significant influence on clients’ loyalty at PT. Bank Aceh, Medan Branch. Tangibles, reliability, responsiveness, assurance, and empathy directly and indirectly had positive influence on clients’ loyalty through clients’ satisfaction at PT. Bank Aceh, Medan Branch.

PENGARUH KUALITAS PELAYANAN PRIMA (SERVICE EXCELLENCE), PORSI BAGI HASIL DAN TINGKAT PENDAPATAN NASABAH TERHADAP TABUNGAN FIRDAUS PADA PT. BANK ACEH SYARIAH LANGSA

This study aimed to test the Influence of Excellent Service Quality, Portion of Profit Sharing and Savings Income Level of Customers of Firdaus Savings at PT. Bank Aceh Syariah Langsa empirically. The method used for data analysis was OLS (Ordinary Least Square) with double linear regression estimation model based on the results of data processing by using Eviews software program. From the research result, R2 value of 0.851 was obtained. This means that approximately 85.1 percent of the proportion of independent variables used could explain the dependent variable variation in that model. Whereas the remaining of 14.9 percent was explained by other variables that were not used in this study. While the estimation results showed that the F-count was greater than the F-table (F-calculated = 22.71 > F-table = 2.67) for the function of the amount of the savings equation. It means that all independent variables used in the estimation of this analysis model namely service, profit sharing, and income jointly gave significant effect on the amount of Firdaus Savings at PT. Bank Aceh Syariah Langsa. Thus the Coefficient of service showed a value of 1.028 which means that the higher the level of service which was equal to 1.028 percent, the savings would increase the amount of Firdaus Savings at PT. Bank Aceh Syariah Langsa for about 1.028 percent and was elastic, the Coefficient of profit sharing showed a value of 1.425 which means that any increase of profit sharing in the yield of 1.425 percent, the savings would increase the amount of Firdaus Savings at PT. Bank Aceh Syariah Langsa for about 1.425 percent and was elastic. The Coefficient of income showed a value of 0.737 which means that any increase in revenues of 0.737 percent, the savings would increase the amount of Firdaus Savings at PT. Bank Aceh Syariah Langsa for about 0.737 percent and was inelastic. Service is one of the dominant factors that affect the amount of savings in Islamic banks, then it must be put into consideration by any Islamic banks to keep improving their services.

EVALUASI KERUSAKAN AKIBAT GEMPA PADA BANGUNAN GEDUNG BANK ACEH CABANG SIGLI

Aceh is one of the areas in Indonesia most quake susceptible. Earthquake zoning map issued by the Minister of Public Works in 2010 showed that the Aceh region to earthquakes susceptible. The earthquake susceptible affecting the condition of existing building, while design and construction was built before earthquake zoning map to release. One of which is Bank Aceh building have in experience damage due January 22, 2013 an earthquake measuring 6.0 on the Richter scale, where some of the structural elements of the building experience crack. For this purpose analysis and evaluation of the damage to buildings affected of earthquake. The evaluation was done by reviewing directly into the field and collecting primary data and secondary data. Analysis of the strength of concrete is done by using the Concrete Hammer Test. The results showed that the buildings experience cracks on the beams. The results of the evaluation and assessment analysis, the building belongs in the level of minor damage and is still fit for use with some partial improvement and minor repairs. Minor repairs need to be done on the architectural and non- structural element. While the structural elements necessary repairs being in some parts of the beams and columns. Keyword: damage of building, earthquake, Bank Aceh

ANALISIS PENGARUH MOTIVASI TERHADAP KINERJA PADA KARYAWAN PT. BANK ACEH CABANG KUTACANE ACEH TENGGARA

The purpose of this journal is for determine relationship between motivations andjob performance staff at Bank Aceh branch Aceh Tenggara. The model of structurewas conducted in this analysis based on theory and research has been done relatedto motivation and job performance. The theory use in variable motivation is Theoryof Maslow and for variable job performance use element that has been conduct byMathis and Jackson. Analysis in this paper use three step there is reduction, presentation of data and conclution or verification. From this paper founded both of variable is influence each other, but there had dominant step in variable motivation there is appreciation, physiology and actualization, then for dominant step at performancevariable is quantity of job, quality of job and accuracy of time.

PERANAN KOMITMEN ORGANISASI SEBAGAI MEDIASI TERHADAP EFEK ETIKA PERUSAHAAN KEPADA PERILAKU KEWARGAAN ORGANISASI Studi pada PT. Bank Aceh Syariah

This research was conducted at Bank Aceh Syariah in Tapak Tuan with unit of analysis is employee. Research takes the area of human resource management and organization. The research aims to analyze the role of organizational commitment as a mediation variable to the effect of company ethics and OCB, also analyze the direct influence between variables. The sample was taken with census method as many as 75 employees, the primary data was obtained by circulating the questionnaire. Data analysis using path analysis. The results showed that there is a role of mediation variable of 14.38%, the direct effect between corporate ethics to OCB of 40.5%. The role of organizational commitment variable is significant at level 0,000 and far ˂ 0.005. The effects of the variables tested and the theoretical and managerial implications are discussed in the discussion.

Optimalisasi sistem tata udara gedung perkantoran bertingkat dengan metode six sigma (Studi kasus gedung PT.Bank Aceh cabang Lhokseumawe)

The use of energy in the air system of PT. Bank Aceh Lhokseumawe branch annually averages 60 - 75% of total energy consumption in buildings. The purpose of this research is to optimize energy use in air system continuously using Six Sigma approach. The six sigma approach is expected to reduce the cost of using the air system system without neglecting the comfort level according to the national comfort standard (SNI). The problem faced by the air system is the existence of over cooling load (over cooling load), the value reaches the figure beyond the initial 60,000 watts planning capacity. The calculation results obtained actual average cooling load reached 75,580.3 watts. It is known that the cooling overload is caused by several factors, namely: the quantity of occupant / human, the air ventilation factor, the management factor of electric appliances usage, the lighting factor, and the solar radiation / transmission factor. Solutions to improve the air conditioning system by minimizing the factors that cause over cooling load. The results of the improvement get a cooling load of 57,340.9 watts which means savings of 24.2%, or monthly electrical energy savings of 4,428.324 kwh / month or equivalent to 50,739.888 kwh / year. Keywords: cooling load, six sigma, optimization, critical to quality

The Effect of Islamic Work Ethic and Motivation through the Organizational Citizenship Behaviour and Employee Performance at Bank Aceh Syaria

The Effect of Islamic Work Ethic and Motivation through the Organizational Citizenship Behaviour and Employee Performance at Bank Aceh Syaria

The Patronage Behaviour of Islamic Bank’s Customers: Empirical Studies in Aceh

This study is aimed at empirically exploring the pertinent factors, which customers and non-customer perceive as germane to their selection of Islamic bank in Aceh, Indonesia. A sample of 300 customers and non-customer of Bank Aceh Syariah were selected based on the convenience sampling technique. Using the logistic regression technique, the study documented that the customers’ selection of the banks were influenced by the factors of banks’ characteristic, services and trust, shari’ah compliance, and physical objects. Of these factors, banks’ characteristic and shari’ah compliance were found to be the most pertinent factors perceived by the customers and non-customer to their selection of Islamic bank in Aceh, Indonesia. These findings imply that to attract more customers, the Islamic bank should enhance their unique characteristics and products’ compliance. DOI: 10.15408/aiq.v8i2.3139