Bank Jatim Research Articles

Contract Farming & Cost of Funding: Evidence from Madurase Solar Salt Small Businesses

This study aimed to estimate the indirect expenses borne by tenant farmers due to credits they receive in community salt farming operations managed through contract farming systems in Pamekasan Regency. Credits constitute a crucial aspect of tenant farmers’ rights within the community salt farming contract farming framework. This study employed a comparative analysis of the cost of funds based on the adopted contract farming models, specifically the two-way and three-way contract farming structures. Moreover, it investigated the correlation between the cultivated salt field’s size and the magnitude of the cost of funds endured by tenant farmers. The results of the analysis reveal that the average costs of funds borne by tenant farmers are notably high, ranging from 5.24% to 6.71% per month. Surprisingly, these figures exceed the loan interest rates offered by two formal financial institutions: BRI and Bank JATIM. Another significant finding is the positive correlation between the size of cultivated salt fields and the magnitude of the cost of funds borne by tenant farmers. Lastly, there is a clear positive relationship between the credit amount received and the corresponding cost of funds endured by tenant farmers. The substantial costs of funds shouldered by tenant farmers involved in the community salt farming, operated through contract farming systems in Pamekasan Regency, signify inefficiencies within the contract farming structure. It is expected that the government can aid these tenant farmers by disbursing subsidized credits through collaborations with relevant ministries and local formal financial institutions.

Implementasi CSR (Corporate Social Responsibility) Bank Jatim Surabaya dalam Pengembangan UMKM (Usaha Mikro, Kecil, dan Menengah) di Jawa Timur

This research investigates the implementation of Corporate Social Responsibility (CSR) by Bank Jatim Surabaya in supporting the development of Micro, Small, and Medium Enterprises (MSMEs) in East Java. The research method employed a qualitative approach with data collection techniques such as in-depth interviews and observations. The findings indicate that Bank Jatim has successfully complied with existing regulations and provided significant assistance to MSMEs. However, there are some shortcomings, particularly in the aspects of socialization and administrative procedures. In conclusion, the CSR program of Bank Jatim has a positive impact on the growth and sustainability of MSMEs in East Java.

Job satisfaction as a mediation between motivation and employee performance in Bank Jatim

This research is purpose to analyze the influence of transformational leadership and work environment on employee performance, the impact of motivation on job satisfaction, job satisfaction on employee performance, and motivation on employee performance with job satisfaction as a mediating variable. The study focuses on the Unit of Sharia Business in Bank Jatim, with a population of 224 employees. The result are transformational leadership, Work Environment and Job Satisfaction has a significant positive impact on employee performance. Job Satisfaction mediates the relationship between Motivation and Employee Performance, showing partial mediation. This suggests that work motivation enhances employee performance in the Sharia Business Unit of Bank Jatim, with or without direct involvement of job satisfaction. The findings provide valuable insights for improving management practices and fostering employee engagement at Unit of Sharia Business in Bank Jatim.

ANALYSIS SOUNDNESS LEVEL OF FINANCIAL REPOST PT BANK PEMBAGUNAN DAERAH JAWA TIMUR TBK THE CAMELS METHODE (2019-2023 Period)

By applying the CAMEL (Capital, Asset Quality, Management, Earning and Liquidity) approach, this research seeks to determine the health condition of PT Bank Jatim Syariah Tbk in 2019 -2023. Based on the health level of PT Bank Pembangunan Daerah Jawa Timur Tbk for the period 2019 - 2023, the ROA, ROE and NI ratios are considered healthy, while the CAR, NPF, BOPO and FDR ratios are considered very healthy. Because each ratio result is in the quite healthy category, PDN is considered quite healthy.

The Influence of Organizational Commitment on Employee Performance Through Job Crafting as a Mediation Variable at Bank Jatim Trenggalek City

The purpose of this study was to determine the effect of organizational commitment, employee performance, job crafting and whether job crafting is able to mediate the effect of organizational commitment on employee performance. This research was conducted on bank employees with 113 employees as respondents. The sampling technique in this study uses a non-probability technique. The data collection technique was carried out by means of a questionnaire. The data analysis technique uses the statistical t test, Sobel test, and the SPSS 22 program. The results of this study show organizational commitment shows high results, employee performance shows high results, and job crafting shows high results. There is a significant influence between organizational commitment on employee performance, organizational commitment has a significant effect on job crafting, job crafting has a significant effect on employee performance, and job crafting mediates organizational commitment on employee performance. The higher the level of application of job crafting, the greater the effect of organizational commitment on employee performance.

Do continuity Marketing, one-to-one marketing, Partnering Programs and Corporate Social Responsibility Define Customer Loyalty of a Bank Company? The Intervening Role of Customer Satisfaction

Customer loyalty is an important factor for the success of the banking industry, both to create short-term and long-term profits in terms of finances and company reputation. This research was then aimed at analysing the influence of continuity marketing, one-to-one marketing, partnering programs, and corporate social responsibility on customer loyalty and the role of customer satisfaction as a mediator in this relationship. This research used a quantitative approach, with the chosen population being all customers who use all types of products or services at Bank Jatim Main Branch Surabaya. The sample determined was 250 samples, selected using purposive sampling. Research data was obtained through a survey mechanism, and the research data was then analysed using PLS-SEM (Partial Least Square - Structural Equation Modeling). The results of data analysis showed that continuity marketing, partnering programs, and corporate social responsibility had a significant effect on customer satisfaction, while one-to-one marketing did not have a significant effect on customer satisfaction. Furthermore, continuity marketing, one-to-one marketing, partnering programs, corporate social responsibility, and customer satisfaction significantly affect customer loyalty. This research also proved that customer satisfaction can mediate the influence of continuity marketing and corporate social responsibility on customer loyalty.

Technology Acceptance Modelling for Jconnect Mobile Users (Study at Bank Jatim Regional Lamongan)

This research aims to analyze the influence of perceived usefulness and perceived ease of use on behavioral intention by mediating attitude. This research focuses on customers from Bank Jatim Regional Lamongan that using Jconnect Mobile. This research used purposive sampling with a sample of 166 respondents. These respondents were selected based on certain criteria, namely customers from Bank Jatim Regional Lamongan that using Jconnect Mobile aged between 20 to 45 years old. SmartPLS V4 was chosen to evaluate research results. The results show that perceived usefulness and perceived ease of use are proven to have a direct positive and significant effect on attitude. Perceived usefulness is proven to have a direct positive and positive effect on behavioral intention, while perceived ease of use is not proven to have a direct effect on behavioral intention. Then, attitude is proven to have a direct positive and significant effect on behavioral intention. Attitude has been proven to be able to partially mediate the relationship between perceived usefulness and behavioral intention, and also fully mediate the relationship between perceived ease of use and behavioral intention.

Analisis Kelayakan Nasabah Dalam Pembiayaan KPR iB Griya Barokah Pada Bank Jatim Syariah Cabang Sidoarjo

The aim of this research is to determine the method used by Bank Jatim Syariah Sidoarjo Branch in analyzing the suitability of iB Barokah home ownership credit (KPR) customers. By using interview techniques, a qualitative research approach was used. Based on research findings, it is known that Bank Jatim Syariah Sidoarjo Branch applies the 5C principles by paying special attention to collateral, capacity and character. The sustainability of financing is greatly influenced by these three factors. Meanwhile, in the conditional point of economy and capital, it is only a supporting factor because it is considered not to have a significant impact on the financing process

The Role of the Work Environment on Career Development and Performance Motivation of Bank Jatim Bangkalan Employees

One of the most valuable assets owned by a company organization is human resources which are the main issue in the success of achieving a company's goals as employees as measured by career development and performance motivation. The aim of this research is to determine the importance of the work environment on career development and employee performance motivation. In this research, we observe the role of the work environment on career development and employee performance motivation at Bank Jatim Bangkalan. This research uses a qualitative approach where data sources are obtained from books, articles, journals, etc. as well as observing the internship process in progress so that research results are obtained which state that the role of the work environment plays a very important role in the career development and performance motivation of Bank Jatim employees Bangkalan

Implementasi JConnect Mobile Dalam Meningkatan Pelayanan Nasabah

With the advancement of technology in the 5.0 and modern era, effective and efficient communication continues to develop, hence the creation of the internet. The Internet is used by people and organizations to conduct business. For banking, one form of service implemented in the digital era is mobile banking. Bank Jatim Syari'ah launched the latest product in the digitalization era, namely JConnect Mobile with its various features. This study aims to determine the role of JConnect mobile in improving services to customers of Bank Jatim Syari'ah, this research uses qualitative research with library research methods and direct field studies, so not only from theory but going directly to the field to research. Jconnect mobile service quality through the dimensions of security, speed and accuracy has an important role in improving services to customers using JConnect mobile products.

Implementation of the Rahn Agreement at Bank Jatim Syariah Sampang

This research aims to determine the implementation of the rahn contract at the Bank Jatim Syariah Sampang Bank. This research approach is an object of field research using a qualitative approach, namely a research procedure that produces descriptive data in the form of written or spoken words from people and observable behavior. The results of research regarding the Implementation of the Rahn Agreement at Bank Jatim Syariah Sampang as follows: first, the pawn financing procedure: has fulfilled the administrative requirements and complies with the harmony and conditions of the rahn, such as; Prospective customers submit requests for pawn financing facilities, valid identification (KTP), and collateral to the pawn party. The pawn party assesses the collateral that has been submitted by the prospective customer and the loan nominal is based on the estimate. Second, delivery of pawned goods as collateral for debt; Loans by pawning goods as collateral for debts in the form of rahn are permitted by law, and practices that follow sharia principles as stated in Article 1 of the DSN-MUI Fatwa Number: 26/DSN-MUI/III/2002. Third; Determination of maintenance rental fees; Maintenance and storage fees are ujrah that customers must pay every ten days, based on the amount depending on the value of the customer's loan. Yet the maintenance and storage costs for marhun do not follow the provisions of paragraph 4 of the DSN-MUI fatwa Number 25/DSNMUI/III/2002.

The Influence of Liquid Collateral Types and Credit Processes Through Digital Marketing On Customer Decisions To Take Cash Collateral Credit at Bank ABC

This study aims to find out about the influence of the type of liquid collateral on the customer's decision to take Cash Collateral Credit and; The influence of the credit process through digital marketing on the customer's decision to take Cash Collateral Credit at Bank Jatim. As mentioned earlier, this research is a qualitative research framed using the CIT (Critical Incident Technique) method. It was found that CCC's outstanding did not grow significantly and was still far below 1% (one prosen) both in terms of total outstanding KYD (Credit Granted) and from total outstanding deposits.
 The fact that CCC's NoA did not grow significantly and is still further below 1% (one prosen) is both reviewed from the total NoA of KYD given and of the total NoA of deposits. Moreover, from Table 1.2, it can be seen that liquid-type collateral such as CCC at Bank Jatim seems less interested when compared to loans with non-liquid collateral.

ASSESSING THE HEALTH OF REGIONAL DEVELOPMENT BANKS THROUGH CAMELS METHOD

Using the CAMELS method, this study aims to compare the health of two regional development banks, Bank Jatim and Bank Jateng. The findings will inform government regulations, internal bank policies, investor decisions, academic literature, and public savings choices. It employs a descriptive quantitative approach, analyzing financial statement data from 2017 to 2021. Bank Jatim demonstrates better health than Bank Jateng, particularly in asset quality, profit margin, liquidity, and market risk sensitivity. However, both banks share similar capital and management qualities. Unlike previous research focusing on large state-owned banks, this study prioritizes regional development banks in East Java and Central Java, aiming to offer insights into their health levels through CAMELS analysis.

Mitigation Strategy of Islamic Financing Risk: A Case of Bank Jatim Syariah

Mitigation Strategy of Islamic Financing Risk: A Case of Bank Jatim Syariah

Analysis of Value at Risk Measurement Using The Variance-Covariance Method in The Securities Portfolio

Bonds are one of the investment instruments with fixed income. One of the most popular bonds is government bonds, which are considered safer than corporate bonds or other investment instruments. Every financial investment instrument that provides a rate of return (return) will have risks. Choosing bonds with the smallest loss rate is one of the priorities of an investor. One of the steps that investors can take is to determine the value of Value at Risk (VaR) first to determine the maximum loss obtained when investing. This study will discuss the risks in Bank Jatim's FVTOCI portfolio by measuring the Value at Risk value of each selected bond sample and several portfolio combinations of these bonds. The bonds used as samples in this research are FR0068, FR0080, FR0096 and FR0098. The measurement of this VaR value uses the Varian-Covariance method, where the assumption of the data used is data with a normal distribution. The resulting VaR value can be used as a consideration for the company to choose bonds for its investment portfolio.

Risk-Based Bank Rating (RBBR) Method Using Risk Profile, Good Corporate Governance, Earning, and Capital (RGEC) Factors as an Assessment of Bank Health: Case Study of PT Bank Pembangunan Daerah Jawa Timur Tbk Period 2018-2022

Banks play a very important role in driving the wheels of the country's economy because they provide credit access facilities and provide interest rates to people who want to save. Through Bank Indonesia Regulation Number 13/1/PBI/2011, Bank Health Level Assessment using the Risk-Based Bank Rating (RBBR) method using Risk Profile, Good Corporate Governance, Earning, and Capital (RGEC) factors is a method for assessing how healthy a bank is. This research wants to assess the health level of Bank Jatim through the financial ratios in the Financial Report. The data used are ROA, ROE, NPL-Gross, LDR, BOPO, NIM, CAR, and the results of GCG self-assessment reporting which follow factors. As a result, the Risk Profile factor decreased in 2020 and 2021 and improved in 2022. The Earnings factor decreased in 2021 and 2022 compared to 2019. The GCG factor increased in 2019 but the trend is stagnant until 2022. The Capital factor decreased in 2019 and experienced a positive increase from 2020 to 2022.

Policy Strategy for Transaction Speed, Data Security and Regulation in the Banking Industry: A Case Study on Bank Jatim Karesidenan Kediri and the Impact of its Contribution to Bank Performance

Bank Jatim Karesidenan Kediri needs to improve customer data security by developing the right policy strategy. Policies that need to be implemented include multi clouds with homomorphic encryption, managerial security awareness with Big Data Solution vendor reputation, and the use of holistic data warehouses in data privacy health architectures. In addition, Bank Jatim needs to pay attention to banking regulations and restrictions on access to activities between countries to minimize data security risks and increase customer trust. This study uses quantitative design and interview and observation instruments to obtain reviews on delay conditions in transactions, customer data security, banking regulations, and benefits for Bank Jatim Karesidenan Kediri. implement appropriate policy strategies such as multi clouds with homomorphic encryption, managerial security awareness with Big Data Solution vendor reputation, and using holistic data warehouses in data privacy health architectures. In addition, Bank Jatim also needs to pay attention to banking regulations and limit access to activities between countries to minimize data security risks and increase customer trust. Through the implementation of the right policy strategy, it can improve financial performance, expand the reach of customer services, and maintain its position in the midst of today's banking industry competition. The implementation of policy strategies must be carried out accurately and agilely in order to optimize bank performance and performance.

Analisis Kesehatan Bank Jatim Di Era Pandemi

This research aimed to test whether there were differences in the level of banking soundness before and during Covid-19 at PT. Bank Pembangunan Daerah Jawa Timur Tbk. (East Java Regional Development Bank or Bank Jatim) during 2016–2021. This research is quantitative descriptive research without testing the hypothesis. This study measures the soundness of banks using the RGEC method (risk profile, good corporate governance, earnings, and capital). The results of this study provide empirical evidence that during the Covid-19 pandemic, namely 2020-2021 and 2019-2020 (before Covid-19) the performance of the East Java Regional Development Bank had a very healthy level of health in terms of the ratio of LDR, LAR, CAR, NIM, while the CR ratio before the pandemic at a healthy level rose to very healthy and in 2021 decreased again with a healthy predicate, while the NPL ratio did not change to a good predicate, while the IRR ratio decreased to unhealthy. The ROA ratio also decreased from very healthy to be healthy, while GCG increased in 2021 to be good from those in 2019 and 2020 which were quite good.

Pengaruh Kepuasan Kerja, Disiplin Kerja dan Kompensasi Terhadap Kinerja Karyawan PT. Bank Pembangunan Daerah Jawa Timur

This research was carried out with a quantitative approach and used the SPSS version 22 statistical program. The research significance level was 0.003, below the limit of 0.05. The main objective of this research is to determine how job satisfaction, work discipline, and compensation impact the performance of individuals and groups of employees at PT. East Java Regional Development Bank. This research involved 40 employees from PT. East Java Regional Development Bank. The results of the analysis show that job satisfaction and work discipline influence the performance of PT employees. Bank Jatim.

A PLAN FOR HANDLING COMPLEX FINANCING IN KPR PRODUCT: BANK JATIM SYARIAH

The need for adequate housing continues to increase very rapidly from year to year along with the increase in population, but there are still many obstacles to fulfilling it. So banking institutions are present as intermediation institutions by offering mortgage financing products. Due to the large number of applications for financing, problems often arise. This research aims to determine the factors that cause financing problems in the iB Barokah KPR product at Bank Jatim Syariah Jombang evidence. The research method used is a qualitative descriptive research method. Data collection techniques come from interviews and observations. The results of this research show that the factors that cause financing problems with the iB Barokah KPR product are caused by external factors (the customer's side) whether caused by intentional or unintentional elements, such as customers affected by natural disasters, the Covid-19 pandemic, and bad customer character. The strategy used to deal with the risk of problematic financing goes through three stages. First, the stage of anticipating problematic financing by conducting a 5C analysis and a psychological approach. Second, the rescue stage user restructuring. Third, the settlement stage is through non-litigation, litigation.