Bank Mandiri Research Articles

IMPLEMENTATION OF TERM DEPOSIT GUARANBINDING AT PT. BANK MANDIRI (PERSERO) TBK. MANDIRI PALEMBANG SUPPORT BRANCH OFFICE REGIONAL OFFICE II

The purpose of this research is to determine the implementation of the binding of term deposit pledge guarantees on PT. Bank M Andiri (persero) T bk. Mandiri Palembang sub-branch office Regional Office I. This researcher used a juridical-empirical research methodology with literature studies and field studies, specifically through an approach to statutory regulations and other legal materials related to the problem as well as through observations and interviews with related parties, including related officials. credit agreement at PT. Bank Mandiri (Persero) Tbk. Mandiri KCP Palembang Regional Office II The results of this research indicate that the implementation of binding collateral for term deposits at PT. Bank Mandiri (Persero) Tbk. Mandiri KCP Palembang Regional Office II by implementing binding guarantees for term deposit pledges at PT. Bank Mandiri (Persero) Tbk. was carried out in five stages, namely the first stage by binding credit as the main agreement where it is stated that the credit guarantee is a deposit. The second stage, namely binding the deposit, is carried out by making a deed of pledge agreement between the deposit owner and the bank. The third stage is handing over the guaranteed deposit slip to the pawn holder, in this case, the bank. In the fourth stage, together with the third stage, the deposit owner or guarantor must authorize the pawn holder or bank to disburse the deposit in the event that the deposit owner or debtor defaults. In the fifth stage, the creditor, as the recipient of the deposit pledge, will block the collateral deposit in accordance with the terms of the credit agreement. This means that as long as the credit from the main agreement has not been repaid, the collateral deposit will be blocked.

THE INFLUENCE OF SERVANT LEADERSHIP ON SERVICE INNOVATION BEHAVIOR THROUGH TRUST AND JOB CRAFTING AS A MEDIATOR AT BANK MANDIRI IN THE SOLO CITY AREA

This research aims to examine the influence of servant leadership on service innovation behavior through trust and job crafting as mediators. This research involved Bank Mandiri employees in the Solo City area. A population of 435 employees and a research sample of 385 were used as the research sample. Data analysis uses Partial Least Squares-Structural Equation Modeling (PLS-SEM) to determine the relationship between variables. The research results show that: 1) Servant leadership significant positive effect on SIB; 2) Servant leadership significant positive effect on trust; 3) Servant leadership significant positive effect on job crafting;4) Servant leadership through trusthas no effect on SIB; 5) Servant leadership through job crafting significant positive effect on SIB; and 6) Servant leadership through trust andjob crafting positive effect on SIB. R2 value for the variable job craftingas big as0.139, on variables confidence of 0.258,and the SIB variable is 0.447. As for value Q2 in this research show that the variable value of job crafting, trust, and service innovation behavior is Q2> 0 so that the accuracy of the path model prediction is acceptable. Mark SRMR 0.092 in this study shows well-fitting modelso it is suitable for use in hypothesis testing.

ESTIMASI TAIL VALUE AT RISK SAHAM BLUE CHIPS MENGGUNAKAN COPULA ALI-MIKHAIL-HAQ

When making investments, investors definitely want high returns with low risk. However, high returns are usually accompanied by high risks and vice versa. Value at Risk (VaR) and other measurement tools help manage risk. VaR measures possible losses. However, VaR has weaknesses, thus Tail Value at Risk (TVaR) can be used to evaluate the likelihood of larger losses than VaR. Copula can be used in risk management because it does not require normal distribution assumptions so it is well applied to financial data. The purpose of this research is to use the Ali-Mikhail-Haq copula to estimate TVaR value of blue chip stock portfolios, including those of BRI, BCA, and Bank Mandiri. Data used is the closing price of daily stocks for the period Jan 1 2021 to Jun 30 2023. The results of calculating TVaR value at the 90%, 95%, and 99% confidence level of the combination of BMRI and BBRI stocks are 0,0574; 0,0668; dan 0,0807. At a confidence level of 90%, 95% and 99% TVaR value of the combination of BMRI and BBCA stocks is 0,0569; 0,0669; dan 0,0886. The combination of BBRI and BBCA stocks resulted in TVaR at 90%, 95% and 99% confidence levels are 0,0238; 0,0283; 0,0376.

Analisa Rasio Keuangan Terhadap Kinerja Perusahaan Pada Industri Perbankan

The rapid development of the banking world and the high level of complexity of the banking business can affect the financial performance of a bank. Bank financial statements can be used as a measure of a bank's performance by analyzing financial statements through ratio analysis. to assess the financial performance and market share of banks using ratios including liquidity ratios, activity ratios, profitability ratios, leverage ratios and special ratios. The method used in this research is descriptive analysis through a quantitative approach to be the research method used. Quantitative data type, with data collection techniques through internal in the form of financial reports from PT Bank BNI, PT Bank BRI, PT Bank BCA, and PT Bank Mandiri obtained from the Indonesia Stock Exchange (IDX) website. This study shows that there are significant differences to assess the financial performance and market share of banks using ratios including liquidity ratios, activity ratios, profitability ratios, leverage ratios and special ratios..

Analisa Pengaruh Rasio Keuangan Terhadap ROA Pada PT. Bank mandiri, Persero (Tbk)

With a consistent business strategy and mature digitalization optimization, Bank Mandiri managed to record good financial performance, as seen from the profit in the 1st quarter of 2023, which was the result of a performance focused on the business ecosystem approach both from financing and funding. The credit increase was due to the improving solid economic fundamentals, Bank Mandiri seeks to contribute to the Indonesian economy. The condition of Indonesian banking after the Covid pandemic began to improve, as seen from the increase in the capital adequacy ratio (CAR), the ratio of non-performing loans (NPL), an increase in net interest income (NIM), a decrease in the ratio of operating expenses to operating income (BOPO), with high capital owned there is an increase in the fulfillment of loan requests (LDR) with a low ratio level. This research was conducted by analyzing, testing and concluding the effect of CAR, NPL, NIM, BOPO and LDR on ROA at Bank Mandiri for the 2017-2023 period using secondary data through information on Bank Mandiri's financial reports. Quantitative analysis technique with multiple linear regression and classical assumption test using SPSS version 25. The results show BOPO, NIM and LDR partially have a positive and significant effect, while CAR and NPL do not have a significant effect on ROA Simultaneously CAR, BOPO, NPL, NIM and LDR affect the increase or decrease in ROA. From the independent variable to the dependent variable it has a predictive ability of 98.3% and 1.7% is influenced by other variables outside the research.

STUDI KOMPARATIF PROFITABILITAS SEBELUM DAN SESUDAH PENERAPAN BRANCHLESS BANKING DAN DAMPAK TERHADAP KEUANGAN BERKELANJUTAN

The purpose of this study was to determine a comparative study of banking profitability before and after implementing branchless banking, as well as analyzing the impact of the branchless banking program on sustainable finance. This research takes bank companies that are included in the Bank Based on Core Capital (KBMI) 4 group, namely Bank Mandiri, BRI, BNI, and BCA as research objects. Apart from that, one of the impacts of branchless banking on the macro economy is economic growth. The time period reviewed in this research is from 2010-2014 before the use of branchless banking and 2015-2022 after the use of Branchless Banking. This research uses a comparative test method and the hypothesis test uses non-parametric statistics (Wilcoxon signed-rank test). The research results show that in the ROA ratio there are 3 banks that show significant differences, in the NIM ratio there are 3 banks that show significant differences, and in the BOPO ratio 2 banks show significant differences. The results of this research also show that the existence of branchless banking has a positive impact on the macro economy, namely economic growth in

PENGARUH FAKTOR INTERNAL DAN EKSTERNAL TERHADAP KINERJA KEUANGAN BANK MANDIRI

This research aims to determine the influence of internal (CAR, BOPO and NPL) and external factors (Inflation, Interest Rates and Economic Growth) on Bank Mandiri financial performance. In this research, financial performance is measured by ROA. The method used in this research is the multiple linear regression method. The data used is secondary data in the form of a time series with a time period from 2012 Q1 – 2021 Q4. The results of this research show that the BOPO and Interest Rate variables have a significant effect on Bank Mandiri financial performance. Meanwhile, the CAR, NPL, Inflation and Economic Growth variables do not have a significant effect on Bank Mandiri financial performance.

Analysis Of the Influence of The Quality of Automatic Teller Machine (ATM) and Mobile Banking Services on Bank Mandiri Customer Satisfaction in The South Jakarta Region

Bank Mandiri is one of the banks with the largest number of customers in Indonesia. This research aims to analyze the level of influence of ATM and mobile banking service quality on Bank Mandiri customer satisfaction. The method used in this research is a quantitative descriptive method. Research Place in the South Jakarta area. The customer population is 170 people with a sampling method using the Slovin technique. Research data was obtained by distributing questionnaires to Mandiri Bank customers with a sample of 120 respondents. The data analysis technique uses multiple linear regression tests. Analysis of ATM service quality uses five dimensions, namely tangible, responsiveness, assurance, reliability and empathy. Analysis of mobile banking service quality uses five dimensions, namely security, convenience, comfort, design and application system. Measuring customer satisfaction uses five dimensions from Hawkins and Lonney's research, namely conformity to expectations, interest in revisiting, and willingness to recommend. The research results show that overall customers are satisfied with Bank Mandiri's ATM and mobile banking services.

THE INFLUENCE OF KNOWLEDGE MANAGEMENT ON INNOVATION AND COMPETENCY AND ITS IMPACT ON THE PERFORMANCE OF PT BANK MANDIRI (PERSERO) TBK ACEH FUNCTIONAL OFFICE

This research aims to test the Knowledge Management (KM) influence on Innovation and Competency and its impact on Performance of PT Bank Mandiri (Persero) Tbk Aceh Functional Office. The population was its employees, as much as 120 people. Sample size was determined using a census technique. Data were analyzed using the Structural Equation Modeling (SEM) and Sobel calculation. The findings reveal that KM influences Innovation; KM influences Competence; KM, Innovation, and Competence influence Organizational Performance; Innovation partially mediates KM’s impact on Organizational Performance, and Competency partially mediates KM’s impact on Organizational Performance. These results are a premise that can be used for theory development and strengthening previous concepts. Limitations exist in the variables studied. The findings of this survey also produced several recommendations for the research subject.

The Influence of Service Quality and Product Promotion Through Customer Satisfaction on Customer Loyalty of Bank Mandiri Mobile Banking Users in DKI Jakarta

The Influence of Service Quality and Product Promotion Through Customer Satisfaction on Customer Loyalty of Bank Mandiri Mobile Banking Users in DKI Jakarta

Effect of Livin' by Mandiri Application Service Quality on Customer Satisfaction: Study on PT Bank Mandiri (Persero) Tbk. Solo

This research tries to understand the relationship between service quality and customer satisfaction on the Livin’ by Mandiri, a mobile-banking application of Bank Mandiri. The respondents are customers of the Bank Mandiri Solo UNS Branch office. The number of respondents is 100. The data were collected by questionnaire and test using SPSS 23. The result of this study shows that service quality factors such as tangibles, reliable, assurance, and empathy positively affect customer satisfaction. When the Livin’ by Mandiri application improves in terms of the tangibility, reliability, assurance, and empathy, customer satisfaction will increase. The variable of responsiveness has no significant effect on customer satisfaction. The subject of this research is an application that cannot literally become responsive to serve customers. This research result may be important as the policy implication for Bank Mandiri to make the customers able to use the application optimally.

The Mediation Role Of Job Satisfaction In The Relationship Between Leadership, Communication, Work Abilities On The Performance : Evidence From Bank Mandiri Employees At Rantauprapat Branch

The purpose of this research is to determine the mediating role of job satisfaction in the relationship between leadership, communication, work ability and employee performance at Bank Mandiri Rantauprapat Branch. The research method uses multiple linear regression analysis which is processed using SmartPLS3. The research results prove that the variable job satisfaction can mediate the influence of leadership, communication and work ability on employee performance. Obtaining the results of hypothesis testing directly using bootstrapping variables of leadership, communication, work ability has a positive and significant effect on employee performance.

Eksplorasi Model Unified Theory Of Acceptance And Use Of Technology Sebagai Pemediasi Dan Dampaknya Terhadap Minat Dan Perilaku Dalam Menggunakan Livin' By Mandiri

This research is motivated by the continued progress of information technology. The sophistication of information technology has brought various changes to human life. One of the changes caused by technology is in the field/activity of easier transactions. Technology shifts transaction activities that are usually carried out traditionally (via ATM centers) to activities or transaction processes that can be carried out in a sophisticated and practical way (without visiting an ATM center). Livin' by Mandiri is a mobile banking application from Bank Mandiri that helps customers manage their finances easily. Apart from that, Electronic Commerce or e-commerce is all buying and selling activities or transactions carried out using electronic media (the internet). This research aims to determine the factors that influence interest and behavior in using the Livin' by Mandiri application as measured by variables in the UTAUT 2 model. This quantitative research uses a survey method with a total of 149 respondents using the Livin' by Mandiri application. Samples were taken using a purposive sampling technique. Data The analysis technique used is the SEM-PLS method, and the data is processed using SMART PLS 3.0 software. The research results show that the factors that have a significant influence on the behavior of using the Livin' by Mandiri application are behavioral influence, facilitating conditions, and social influence. Then the significant influence on behavioral interest in using the Livin' by Mandiri application is significantly influenced by Facilitating Conditions and Social Influence. Keywords: Behavioral Interest, Usage Behavior, UTAUT, UTAUT 2

Servant Leadership on Work Engagement: Mediating Job Satisfaction and Trust in Leader

The banking industry is currently one of the most competitive industries. For this reason, a leadership style is needed that can increase employee engagement to achieve better company performance. The aim of this research is to ascertain the impact of servant leadership workers' job satisfaction and trust in their leaders as mediating variables. It is conducted at government-owned banks, namely, Bank BNI, Bank BRI, Bank BTN, and Bank Mandiri. Purposive sampling was the technique employed in this study, and the sample consisted of 273 individuals who worked for government-owned banks. This study employed structural equation modeling (SEM) with AMOS software as a data analysis technique. The study's findings demonstrate that: servant leadership influences job satisfaction significantly; job satisfaction influences work engagement significantly; Trust in Leader significantly influences work engagement; job satisfaction mediates the relationship between servant leadership and work engagement; and Trust in Leader mediates the relationship between servant leadership and work engagement. There is one rejected hypothesis, namely, that employee engagement at work is not significantly impacted by servant leadership.

Analysis Of The Health Level Of State-Owned Banks Using The Camels Method Registeredon The Idx For The 2020-2022 Period

This study aims to test and analyze the soundness level of state-owned banks using the methods of Capital, Assets, Management, Earning and Liduidity and Sensitivity to market risk (sensitivity to market risk) listed on the Indonesia Stock Exchange 2018-2019 period. This type of research is descriptive qualitative. The research population of state-owned banks listed on the Indonesia Stock Exchange from 2020 to 2022. The sampling method is a census. The results showed that the Health Level of Bank Negara Indonesia (Persero), Tbk, the Health Level of Bank Rakyat Indonesia (Persero), Tbk, Bank Mandiri (Persero), Tbk, Bank Tabungan Negara (Persero), Tbk were calculated using the CAMELS method as a whole. predicate Healthy.

SMART MARKETING TRANSFORMATION STRATEGY BRANCH AT BANK MANDIRI REGIONAL II PALEMBANG

The purpose of this study is to analyze, prove marketing transformation strategies, and find out the factors that become obstacles in the implementation of transformation strategies in smart branches at bank mandiri regional II Palembang. The research method used in this study is qualitative method. This type of research is a case study with a single case study design. In this study using a descriptive research design. The smart branch marketing transformation strategy at Bank Mandiri Regional II Palembang has been quite effectively implemented, this digital banking 5.0 innovation by Mandiri offers a different experience from other banking services because the ease, speed and accountalization of solving customer needs is very structured and measurable in accordance with customer needs. The type of research in this research is a case study with a single case study design. In this study using a descriptive research design. The smart branch marketing transformation strategy at Bank Mandiri Regional II Palembang has been quite effectively implemented, this digital banking 5.0 innovation by Mandiri offers a different experience from other banking services because the ease, speed and accountalization of solving customer needs is very structured and measurable in accordance with customer needs.

EFEK BUDAYA ORGANISASI, GAYA KEPEMIMPINAN DAN KOMITMEN ORGANISASI TERHADAP KINERJA KARYAWAN MELALUI MOTIVASI KERJA KARYAWAN (STUDI PADA KARYAWAN BANK MANDIRI KCP SURABAYA DARMO PERMAI)

The purpose of this study is to analyze the influence of organizational culture, leadership style and organizational commitment on employee performance through employee work motivation. The research sample consisted of 75 employees of Bank Mandiri KCP Surabaya Darmo Permai. Data analysis was performed by two-path regression analysis and sobel analysis. The results showed that: there is an influence of organizational culture on the work motivation of Bank Mandiri KCP Surabaya Darmo Permai employees, there is an influence of leadership style on the work motivation of Bank Mandiri KCP Surabaya Darmo Permai employees, there is an influence of organizational commitment on the work motivation of Bank Mandiri KCP Surabaya Darmo Permai employees, there is an influence of organizational culture on the performance of Bank Mandiri KCP Surabaya Darmo Permai employees, there is an influence of leadership style on the performance of Bank Mandiri KCP Surabaya Darmo Permai employees, there is an influence of organizational commitment on the performance of Bank Mandiri KCP Surabaya Darmo Permai employees, there is an influence of work motivation on the performance of Bank Mandiri KCP Surabaya Darmo Permai employees, there is an indirect influence of organizational culture on the performance of Bank Mandiri KCP Surabaya Darmo Permai employees through employee work motivation, there is an indirect influence of leadership style on the performance of Bank Mandiri KCP Surabaya Darmo Permai employees through employee work motivation, and there is an indirect influence of organizational commitment on the performance of Bank Mandiri KCP Surabaya Darmo Permai employees through employee motivation. Keywords: Organizational culture, Leadership style, Employee commitment, Work motivation, Employee performance

Comparative Analysis Of ROI Interest Rates And Inflation On Investment Decision-Making

This research aims to analyze and determine the investment decisions that investors will make between the stock exchange or deposits at PT. Telekomunikasi Indonesia and Bank Mandiri for the period 2011 to 2015. The information contained in financial reports is very useful for parties such as investors, financial reports are used to help make investment decisions and to determine the development and progress of company activities. Investors' decisions are based on a comparison of Return on investment (ROI), Interest Rates, and Inflation. The research results stated that the level of Return On Investment (ROI) at PT. Telekomunikasi Indonesia was higher than Bank Mandiri over 5 years, which stated that investors were more interested in investing their funds in shares. The higher the return on investment value of a company, the higher the interest of investors in investing their funds in that company. Because the rate of return will be greater and greater interest will increase the share price.

Analysis of Housing Credit Financing Between Commercial Banks and Sharia Banks

This study tries to compare the housing loan financing system between commercial banks and Islamic banks. The purpose of this comparison is to find out the differences in the housing loan financing system by Bank Mandiri KCP Majalaya and Bank Syariah Indonesia (BSI) as samples. Many people know that conventional banks use interest rates which are used as interest and Islamic banks do not use them. This analysis compares the conditions that apply, the Housing Loan process is implemented, the Akad or Initial Requirements, Installment Calculations, and the care of customers who are late paying or paying prematurely. Based on the analysis that has been done, it can be concluded that the comparison of lending to Mandiri Conventional Banks and Murabahah Financing at Indonesian Sharia Banks has many similarities in the procedures and requirements files. It's just that the Akad/agreement aspect has a difference. Conventional Banks fully use the Interest System. Meanwhile, Islamic Banks apply a Murabahah Contract with a profit sharing system from service profits and real transactions.

Analysis of Livin' By Mandiri Application Quality With Iso 25010 Method

In the increasingly advanced digital era, mobile applications have become one of the important tools in providing banking services to customers. The Livin' by Mandiri application is one of the mobile banking applications that Bank Mandiri offers its customers. This study aims to analyze the quality of the Livin' by Mandiri application. This research uses the ISO 25010 method. Data collection techniques in this study were carried out by observation and literature study. The data obtained was then systematically analyzed in accordance with the ISO 25010 framework. The results showed that the Livin' by Mandiri application has a high level of functional suitability, is reliable and stable, fast and responsive, easy to use and navigate, well maintained and portable and can be used on various devices, including smartphones, tablets and laptops.