Bank Mandiri Tbk Research Articles

Analysis of factors affecting customer satisfaction (PT Bank Mandiri (Persero) TBK Padang Belakang Olo Branch)

Basically the goal of a business is to create customers who are satisfied. The creation of satisfaction can provide several benefits, including the relationship between the company's customers are harmonious, provide a good foundation for the purchase and creation of customer loyalty and establish a recommendation by word of mouth (word-ofmouth) which is advantageous for the customer, This research conducted in PT Bank Mandiri (Persero) TBK Padang Belakang Olo Branch sample of 100 customers with sample selection. In this study usingstratified random sampling technique, Bysampling in certain strata then taken at random with equal proportion according to the position in the population, With the data were analyzed by using multiple linear regression analysis. Servqual significantly affect customer satisfaction and positive experience for the customer PT Bank Mandiri (Persero) TBK Padang Belakang Olo Branch, customer value as wellsignificantly affect customer satisfaction and positive experience for the customer PT Bank Mandiri ( Persero) TBK Padang Belakang Olo Branch. Product quality can not beaffects customer satisfaction PT Bank Mandiri (Persero) TBK Padang Belakang Olo Branch. Emotionalcan not affectcustomersatisfactionforcustomers PT Bank Mandiri (Persero) TBK Padang Belakang Olo Branch . Prices are not able to affect customer satisfaction for customers Bank PT Bank Mandiri (Persero) TBK Padang Belakang Olo Branch. Cost significantly affect customer satisfaction and positive experience for the customer PT Bank Mandiri ( Persero) TBK Padang Belakang Olo Branch.It can be concluded that the higher Servqua and, customers value a customer satisfaction will also increase, in addition to lower customers' costs incurred in obtaining products and services PT Bank Mandiri (Persero) TBK Padang Belakang Olo Branch, then customer satisfaction will increase.

Sosialisasi Fasilitas Kredit Usaha Mikro Dan Kredit Usaha Rakyat di Arso XIV Kabupaten Keerom

The Purpose of community devotion is 1) to know and understand the banking products. 2) to know and understand the credit facilities of MICRO Enterprises (KUM) and credit People's Business (KUR) PT. Bank Mandiri (Persero) TBK. Based on the results of the community service made to the community of dragon fruit farmers in Arso XIV Keerom District can be concluded the following things: 1). The banking office can be understood through the submission of the lecturer who is devoted to the community and the speaker of the employee Micro Banking Manager PT. Bank Mandiri (Persero). Tbk. Introduction of the lecturer on the purpose and objectives. Explaining the meaning of the Bank is a business entity that raises funds from the community in the form of deposits and reorganized funds that have been compiled through Giro deposits, savings and deposits to the community in the form of loans (loanable Fund) for conventional banks. For conventional banks can provide interest-charged loans and other lending services in the form of administrative fees, provision fees, and commissions. In The material delivery to the people of the dragon fruit farmers in ARSO XIV Keerom District in this case the mothers in ARSO XIV of Keerom District are very motivated in understanding and can distinguish Micro Business credit (KUM) and the People's Business Credit (KUR) FROM PT. Bank Mandiri (Persero) TBK, so that it can develop a community business through the facilities of the People's Business Credit (KUR) from PT. Bank Mandiri (Persero) TBK

SOSIALISASI FASILITAS KREDIT USAHA MIKRO DAN KREDIT USAHA RAKYAT DI ARSO XIV KABUPATEN KEEROM

The Purpose of community devotion is 1) to know and understand the banking products. 2) to knowand understand the credit facilities of MICRO Enterprises (KUM) and credit People's Business(KUR) PT. Bank Mandiri (Persero) TBK.Based on the results of the community service made to the community of dragon fruit farmers inArso XIV Keerom District can be concluded the following things: 1). The banking office can beunderstood through the submission of the lecturer who is devoted to the community and the speakerof the employee Micro Banking Manager PT. Bank Mandiri (Persero). Tbk. Introduction of thelecturer on the purpose and objectives.Explaining the meaning of the Bank is a business entity that raises funds from the community in theform of deposits and reorganized funds that have been compiled through Giro deposits, savings anddeposits to the community in the form of loans (loanable Fund) for conventional banks. Forconventional banks can provide interest-charged loans and other lending services in the form ofadministrative fees, provision fees, and commissions. In The material delivery to the people of thedragon fruit farmers in ARSO XIV Keerom District in this case the mothers in ARSO XIV of KeeromDistrict are very motivated in understanding and can distinguish Micro Business credit (KUM) andthe People's Business Credit (KUR) FROM PT. Bank Mandiri (Persero) TBK, so that it can developa community business through the facilities of the People's Business Credit (KUR) from PT. BankMandiri (Persero) TBK

ANALISIS KREDIT BERMASALAH DILIHAT DARI STANDAR NON PERFORMING LOAN (NPL) PADA PT. BANK MANDIRI (PERSERO) TBK

<p class="15bIsiAbstractBInggris">This study aims to examine how much Non Performing Loans at PT. Bank Mandiri (Persero) Tbk registered on the Stock Exchange for the 2014-2018 period. This research method uses descriptive methods including NPL analysis and hypothesis testing using significance test (t test). The results of the study stated that "Non Performing Loans (NPLs) at PT. Bank Mandiri (Persero) Tbk less than 5% than expected ", thus the banks must suppress the Non Performing Loan (NPL) to below 5% according to the health standard Non Performing Loan (NPL) ratio, with the level of Non Performing ratio Loans (NPL) that are low (less than 5%) are categorized as good banks and will also have an effect on increasing bank earnings, and in lending, banks are required to exercise caution because these credit facilities are high risk which can affect the business continuity of PT. Bank Mandiri (Persero) Tbk.</p>

Effect of Financial Performance on Stock Price with Return on Assets as an Intervening Variable in State-Owned Banks in Indonesia

The objective of this study is to examine the significant effect of financial performance on stock price with Return on Assets (ROA) as an intervening variable in state-owned banks. This is an explanatory research. The research population is Indonesian banking industry owned by the government, namely the State-Owned Commercial Bank (SOE). The 4 (four) banks involved as the sample among other PT Bank Mandiri (Persero) Tbk, PT Bank Negara Indonesia (Persero) Tbk, PT Bank Rakyat Indonesia (Persero) Tbk, and PT Bank Tabungan Negara (Persero) Tbk. The test results showed that Non-Performing Loan (NPL) ratio does not have a significant negative effect on Return on Assets (ROA), Loan to Deposit Ratio (LDR) ratio does not have a significant positive effect on Return on Assets (ROA), Capital Adequacy Ratio (CAR) ratio does not have a significant positive effect on Return on Assets (ROA), Operating Expenses toward Operating Income (OEOI) has a significant negative effect on Return on Assets (ROA), BI Rate has a significant positive effect on Return on Assets (ROA), Return on Assets (ROA) has a significant positive effect on the return of stock price.

Pengaruh Biaya Operasional Berbanding Pendapatan Operasional (BOPO), Non Performing Loan (NPL), Loan To Deposit Ratio (LDR) Terhadap Kinerja Usaha (ROA)

The study was based on a formulation of problems, namely are Operational Cost versus Operating Income (ROA), Non Performing Loan (NPL), Loan to Deposit Ratio (LDR) on Business Performance (ROA) at PT Bank Rakyat Indonesia (Persero) Tbk., PT Bank Negara Indonesia (Persero) Tbk., and Bank Mandiri (Persero) Tbk. The purpose of this research was to determine the effect of operational cost compared to Operating Income (ROA), Non Performing Loan (NPL), Loan to Deposit Ratio (LDR) on Business performance (ROA) at PT Bank Rakyat Indonesia (Persero) Tbk., PT Bank Negara Indonesia (Persero) Tbk, and Bank Mandiri (Persero) Tbk. The method used in this research is quantitative method. This method is used to predict the effect of one variable with another variable. In this study the variable X (Operating Expenses compared to Operating Income (ROA), Non Performing Loan (NPL), Loan to Deposit Ratio (LDR) are independent variables (free) and Y (Return On Asset) is the dependent variable (dependent). 
 The data obtained was secondary, and to analyze the data, multiple regression analysis was used. During the observation period of the study showed that the data were normally distributed. Based on the test multicollinearity, heteroscedasticity test and autocorrelation test found no variable that deviates from the classical assumption tests, this shows that the available data are qualified to use a multiple linear regression model. 
 Based on the results of the study it can be concluded that there is significant influence of operational costs when compared to Operating Income (ROA), Non Performing Loan (NPL), Loan to Deposit Ratio (LDR) PT Bank Rakyat Indonesia (Persero) Tbk., PT Bank Negara Indonesia (Persero ) Tbk, and Bank Mandiri (Persero) Tbk. with test results of multiple linear regression equation

Effectiveness of Executive Auction Responsibility as A Problem Credit Settlement in PT.Bank Mandiri (Persero) Tbk Purwokerto Area

This paper is intended to analyze the effectiveness of the implementation of the auction of Hak Tanggungan as an effort to resolve non performing loan at PT. Bank Mandiri (Persero) Tbk Purwokerto Area, based on the data obtained in the field of 158 the number of troubled debtors throughout 2017, only 6 debtors have successfully auctioned. The low level of auction behavior is due to many factors both internal and external factors that occur before the implementation or after the implementation of the auction. This paper uses the empirical approach method, namely the effort to approach the problem under study with the nature of the law that is real or in accordance with the reality that lives in society. Based on Lawrence M Friedman's theory, the implementation of auctions is not effective, the biggest factors that influence are substance and cultural factors, namely the rules regarding emptying of collateral for auction behavior and the people who are afraid of having problems buying assets by auction. Therefore, rules must be reinforced to guarantee auction buyers to avoid problems in the future after the collateral is sold. Keywords: effectiveness; auction; settlement of non performing loans; inhibiting factors

DETERMINATION OF IMPAIRMENT LOSSES RESERVE AND ITS IMPACT ON INTEREST EARNED AT PT BANK MANDIRI (PERSERO) TBK FROM 2014-2018

The purpose of this study is: 1) To analyze how the different ways of determining impairment losses reserve will affect the interest earned 2) To make recommendation on the best way to determine the impairment losses reserve. This research method uses a quantitative approach based on time series data and cross sections. The population in this study is PT. Bank Mandiri (Persero) Tbk. In this study the sampling technique used probability sampling method. Determination of the sample using the simple random sampling method. Data analysis method in this study uses multiple regression analysis with the help of SPSS version 24.00. The results of the study show some conclusions as follows: 1) Delay in debt payment obligations (PKPU) is proven to have an influence on allowance for impairment losses (CKPN) with a positive relationship. 2) Credit quality (KK) is proven to have an influence on allowance for impairment losses (CKPN) in a negative direction. 3) Delayed debt payment obligations (PKPU) have been proven to influence interest earned with a negative relationship. 4) Credit quality (KK) is proven to have an influence on interest earned and 5) Allowance for impairment losses (CKPN) is proven to have an influence on interest earned with a negative relationship.

Hybrid Artificial Neural Network with Extreme Learning Machine Method and Cuckoo Search Algorithm to Predict Stock Prices

This thesis aims to predict the stock prices, using artificial neural network with extreme learning machine (ELM) method and cuckoo search algorithm (CSA). Stock is one type of investment that is in great demand in Indonesia. The portion ownership of stock is determined by how much investment is invested in the company. In this case, stock is an aggressive type of investment instrument, because stock prices can change over time. In this case, ELM is used to determine forecasting values, while CSA is applied to compile and optimize the values of weights and biases to be used in the forecasting process. After obtaining the best weights and biases, the validation test process is then carried out to determine the level of success of the training process. The data used is the daily data of the stock price of PT. Bank Mandiri (Persero) Tbk. the total is 291 data. Furthermore, the data is divided into 70% for the training process is as many as 199 data and 30% for the validation test as many as 87 data. Then compiled pattern of training and validation test patterns is 198 patterns and 82 patterns. Based on the implementation of the program, with several parameter obtained the result of MSE training is 0.001304353, with an MSE of validation test is 0.0031517704. Because the MSE value obtained is relatively small, this indicates that the ELM-CSA network is able to recognize data patterns and is able to predict well.

VALUE AT RISK IN STOCK PORTFOLIO USING T-COPULA: Case Study of PT. Indofood Sukses Makmur, Tbk. and Bank Mandiri (Persero), Tbk.

Value at Risk (VaR) is a measuring tool that can calculate the amount of the worst losses that occur in the stock portfolio with a certain level of confidence and in certain period of time. In general, financial data has a high volatility value, which is caused the variance of residual model is not constant and nonnormally distributed. In this case, Copula-GARCH can be used to calculate the VaR. The Generalized Autoregressive Conditional Heterocedasticity (GARCH) model can resolve the time series models that have non-constant residual variance. This research use the t-Copula to model the dependency structure in the combined distribution of stock returns. The t-copula function is good in terms of reaching the extreme value state that often occurs in the financial data of stock returns and has heavytails. The empirical data uses the stock return data of PT. Indofood Sukses Makmur, Tbk (INDF) and Bank Mandiri (Persero) Tbk (BMRI) in the period of October 8, 2012 - October 8, 2017. In this research, Value at Risk is calculated using the period 1 day ahead at 90% confidence level that is 0.042, at 95% confidence level that is 0.025 and at 99% confidence level that is 0.017 with weight of each stock is 50%.

ANALISIS KINERJA KEUANGAN PADA PT. BANK MANDIRI (PERSERO) TBK

ABSTRACT
 
 This research was conducted with the aim to analyze the financial performance of PT. Bank Mandiri (Persero) Tbk ... This study uses secondary data sourced from the website of The Indonesia Capital Market Institute in the form of an annual report of PT. Bank Mandiri (Persero) Tbk in 2011-2015. Data were analyzed using financial performance measurements based on analysis of the Return on Assets (ROA) ratio and the Capital Asset Management Earning Liquidity (CAMEL) ratio consisting of Capital Adequecy Ratio (CAR), Productive Asset Ratio (KAP), Net Profit Margin (NPM) ratio , the ratio of Operating Expenses to Operating Income (BOPO) and Loan to Deposit Ratio (LDR). The results showed that the financial performance based on the ratio of Return on Assets (ROA) at PT. Bank Mandiri (Persero) Tbk is categorized HEALTHY with an average ROA value of 3.46% from the provision of financial performance standards of 1.215%. Based on CAMEL analysis for CAR, KAP, NPM, BOPO, and LDR ratios, the financial performance of the bank is HEALTHY.
 

Implementation of Specific Time Work Agreements at PT Bank Mandiri (Persero) Tbk. As a State-Owned Enterprise

The Basic Law of the Republic of Indonesia 1945 has guaranteed the right to get a job for every citizen. As an elaboration of Article 28D paragraph (2) of the Constitution, the State issues Law Number 13 of 2003 concerning Manpower which regulates all matters concerning employment relations and rights and obligations between workers / laborers and employers / companies. The Manpower Law regulates PKWT in chapter IX concerning Employment Relations starting from Article 56 paragraph (2) to Article 59. Currently the contract system or PKWT is widely applied by companies / employers in carrying out work relationships. While the type of work done by workers with PKWT is not in accordance with what is mandated by the Manpower Act. This is a denial of Article 59 of the Manpower Act even carried out by SOEs, one of which is Bank Mandiri, which employs workers with PKWT to do work that should be done with PKWTT.

PENGARUH KOMITMEN KERJA DAN STRES KERJA TERHADAP KINERJA KARYAWAN PADA PT. BANK MANDIRI (PERSERO) TBK DIVISI MIKRO CLUSTER SUDIRMAN SAMARINDA

The purpose of this study was to determine the effect of work commitment and work stress partially or simultaneously significant effect on employee performance at PT. Bank Mandiri (Persero) Tbk Sudirman Cluster Micro Division Samarinda. From the results of the analysis, it is known that the Multiple Linearity is Y = 6.946X 0.716 + 0.108, this indicates that work commitment and work stress have a positive effect on employee performance. As for the results of the Coefficient of Determination analysis, it is known that R^2 = 0.535, this shows that there is an influence of 5.35% between Work Commitment and Work Stress on Employee Performance. And based on the results of hypothesis testing H1 work commitment has a significant effect on performance, H2 work stress has no significant effect on performance, and H3 simultaneously between work commitment and work stress has a significant effect on employee performance.

The Effects Of Bank Funds Sources On Bank Profitability In Indonesia Stock Exchange

The purpose of this research is to analyze the effect of bank funding source to bank profitability. Indicators that are used for this research are Capital Adequacy Ratio, loan received, and third-party funds to Profitability. Population that used on this research are a commercial banks that listed on the Indonesia Stock Exchange. The sample that used are four commercial banks are PT. Bank Mandiri (Persero) Tbk, PT. Bank Rakyat Indonesia (Persero) Tbk, PT. Bank Negara Indonesia (Persero) Tbk, dan PT. Bank Central Asia Tbk on period of 2010-2018.
 Method that used for this research is using multiple regression analysis by hypothesis test which are, T test and F test. The results of partial hypothesis (T Test) shows that Capital Adequacy Ratio and loan that received has a negative significant influence on Profitability. Meanwhile, Third-party funds have a positive significant influence Profitability. From the results of simultaneous hypothesis testing (F Test) shows that Capital Adequacy Ratio, loans received, and Third-party funds have a significant influence to banks profitability on commercial bank that are go public with significance of 0,000. R square value (R2) on this research is 0,517 or 51,7% and the rest is 48,3% affected by other factor that are not research.

Customer Satisfaction as Intervening Between Use Automatic Teller Machine (ATM), Internet Banking and Quality of Loyalty (Case in Indonesia)

This research aims to determine the effect of customer satisfaction as an intervening variable between utilization of Automatic Teller Machine (ATM) variable, Internet Banking variable and service quality variable to variable customer loyalty at PT. Bank Mandiri Tbk in Batam city, Indonesia. This research is collecting the data in the form of primary and secondary data. Collecting the data in this study using questionnaires in the form of respondents Involved in this research were 187 customers. The number is obtained by using the formula Slovin with random sampling. The collected the data were processed and Analyzed by using SPSS and SEM for normality, regression coefficient, and determination. From the result show that the variable utilization ATM, Internet Banking and service quality affect to customer satisfaction has 83%. That is the service quality variables of the most dominant influence on customer satisfaction and customer loyalty.

Applying the Principle of Freedom of Contract in the Making of Work Agreement Between PT Sumberdaya Dian Mandiri and Outsourcing Workers of PT Bank Mandiri (Persero) Tbk Padang

This study applies an empirical juridical research approach that is more focused on problem solving to examine the implementation of the law from the regulations governing it; especially reviewing the standard agreement documents using the principle of freedom of contract, the consensual principle, and the principle of good faith and propriety which can be concluded from the Articles concerning related agreements, as well as the regulations governing the work agreement of PT Sumberdaya Dian Mandiri regarding the provision of outsourcing services for PT Bank Mandiri (Persero) Tbk Padang. The results of the study show that there is no clear understanding of outsourcing in the Law; but it only contains the provisions of the work agreement, collective labor agreement, worker service agreement, and work contract agreement. However, in this case, the outsourcing work agreement did not apply the full freedom of contract principle in which Nining Sri Rahayu and Regina Aulia Ansori were only asked to sign a work agreement draft prepared by PT Sumberdaya Dian Mandiri. In addition, this agreement had fully implemented a balanced consensual principle in which Nining Sri Rahayu and Regina Aulia Ansori had the choice to accept or reject the contents of the agreement. However, the difficulty in finding a job resulted in Nining Sri Rahayu and Regina Aulia Ansori choosing to sign the agreement. Thus, the rights of outsourcing workers are not fully guaranteed by the outsourcing company.

ANALISIS KORELASI KINERJA KEUANGAN PERUSAHAAN DENGAN HARGA SAHAM ( STUDI KASUS BANK MANDIRI Tbk )

The purpose of this research is to determine the correlation between the internal performance with the stock prices of Bank Mandiri Tbk. During the period of the year 1999 up to the year of 2008. Those internal performance are Net income, Return On Assets, Return On Equity, Net Profit Margin, and Total Assets. The stock prices of Bank Mandiri Tbk. is the closing prices each the end of year1999 up to year of 2008. The data of this research are selected from the Jakarta Stock Exchange Waeth wich is published in the year of 2008/2009. The analysis was based on the bi- variate correlation analysis of SPSS. The result shows only the performance of Return On Assets (ROA) and Net Income (NI) that having strong positive correlation with the stock prices of Bank Mandiri Tbk. The performance indicators such as Return On Equity (ROE), NetProfit Margin (NPM), and Total Assets (TA) in case of Bank Mandiri Tbk. is not relevance with the stock prices movement.

ANALISIS IMPLEMENTASI PRINSIP-PRINSIP GOOD CORPORATE GOVERNANCE (GCG) PADA PT. BANK MANDIRI (PERSERO) TBK. CABANG BENGKULU

Abstract: The objective of this research is to Implementation of the good corporate governance (GCG) principles in addition to improving bank competitiveness itself, also provide more protection to the community. The implementation of the good corporate governance (GCG) principles becomes a trust given the banking industry that manages public funds (customers). The objective of this research is to know the analysis implementation of good corporate governance (GCG) principles in PT. Bank Mandiri (Persero) Tbk. Branch of Bengkulu. The object of this research is permanent employee of PT. Bank Mandiri (Persero) Tbk Branch Office of Bengkulu which amounted to 67 people, with sampling method that is total sampling. The sources of data in this study through questionnaires. The data analysis technique used quantitative descriptive analysis with mean method and frequency distribution table. The results of this study research that, implemtasi good corporate governance (GCG) principles at PT. Bank Mandiri (Persero) Tbk. Branch of Bengkulu has been running well with the average value of the statement 3.77 (good). Furthermore, the implementation principles of transparency, accountability, responsibility, independence and fairness have gone well with the average value each statement of 3.71 (good), 3.86 (good), 3.76 (good), 3.67 (good), 3.86 (good).Keyword: governance, bank, competitiveness.

STRATEGI PENGENAAN BIAYA PENARIKAN DI COUNTER TELLER UNTUK MENGURANGI ANTRIAN DI PT. BANK MANDIRI (PERSERO) TBK

Imposition Strategy Withdrawal Fees at Counter Teller can Reduce Queue Length at PT Bank Mandiri (Persero) Tbk. This study was conducted to intend the application of the queue strategy at PT Bank Mandiri (Persero) Tbk also to see the supporting factors of this strategy. As the Bank with the largest assets, Bank Mandiri, must take serious to manage these assets in order to become the most profitable company. With the growing number of customers from year to year, management must find the way to overcoming a queue that will not be accommodated for a long time, especially for small branches that have large customers. Companies must be able to anticipate this because competitors will do the same. The company wish that the new strategy will make customers more comfortable to become BANK Mandiri customers. PT Bank Mandiri (Persero) Tbk will continue to monitor market developments so that the company is still leading from its competitors and it is expected that in the future the company will be able to have more value than other banks.

Dynamic capability and disruptive innovation within perspectives of industry 4.0, research result and innovation on people’s prosperity

This paper elaborates the theoretical view of sustainable industrial systems within one of state owned enterprise (SOE) in banking industry. The primary theory for this paper elaborates the sources of dynamism in dynamic capability. This paper provides a multi-level theory ofdynamic capabilities (DCs) that explains resource dynamicsby conveying a primary role to persons and interpersonal interactions in lieu of abstract, which is company-level entities.This paper describes banking industry in term of dynamic capabilities to navigate change whenemployees are connected. The mentioned connection is bridged through high-quality relationships, empowering innovative aspects. Strategic adaptation is feasible when people are provided the opportunity to act, think, and feel creatively. Eventually that performance envisions opportunities to enhance how the company operates. Precisely, this paper depicts situation on PT Bank Mandiri (Persero) Tbk. Structural Equation Modelling (SEM) is capitalized to proceed to data processing. The objective of this paper is to enhance the ways how the company operates in dynamic capability through disruptive innovation toward sustainable industrial system. The dynamism of dynamic capability is believed to provide adequate foundations toward disruptive innovation. Quantitative approach constitutes the research methodology through the usage of Analytical Hierarchy Process (AHP) Ishikawa method. To conclude, by AHP Method and Ishikawa, PT. WijayaKarya is the chosen contractor that has superior value of 49%, among contractors. Ultimately, Ishikawa method conveys its criteria of quality, time, cost, and personal that require minimum 60% service level.