Bank Nagari Research Articles

Penerapan Program “Makan Rendang” sebagai Strategi Pemerintah Kabupaten Tanah Datar untuk Meminimalisir Ketergantungan UMKM Terhadap Rentenir

This research aims to determine the supporting and inhibiting factors for the implementation of the Rendang Eating Program for MSMEs as a flagship program for the Tanah Datar Regency Regional Government. In this research, the researcher used a qualitative descriptive method where the aim of this method was to describe things that happened according to the conditions when the research was carried out. Data collection techniques in this research are interviews and documentation. Data were analyzed using reduction techniques, data presentation and drawing conclusions. The research results show that the implementation of the Rendang Eating Program has supporting factors, including First, the existence of clear regulations, with the latest legal basis, namely Regent's Regulation Number 1 of 2022. This regulation provides clear guidance and framework for all parties involved, including local government, KUKMP Service, Bank Nagari and Community. Second, full support from regional governments can also be seen through adequate budget allocation and good coordination between agencies. The inhibiting factors include First, there are still many people involved in BI-Cheking which causes these people to not be able to take advantage of the program. Second, the Rendang Meal Program has not been properly socialized to the public, so there are still many people who do not know about this program and the budget for the Rendang Meal Program itself has not been fully realized.

The Effect of Trust, Promotion, and Service Quality on the Decision to Use the Ollin Application

This research was conducted at the Bank Nagari Koto Agung Branch Office, Block B, Sitiung 1, Sitiung District, Dharmasraya Regency. The purpose of this research was to determine the effect of Trust, Promotion, and Service Quality on the Decision to Use the Online Application at the Bank Nagari Koto Agung Branch Office. A quantitative research method was used, with data collected through a questionnaire distributed from February to March, resulting in a sample of 173 respondents selected using Accidental Sampling. The data analysis techniques applied in this study included validity tests, reliability tests, descriptive analysis, correlation analysis, multiple linear regression analysis, classical assumption tests, t-tests, F-tests, and determination tests (R²). The results of this study indicate that Trust, Promotion, and Service Quality variables have a positive and significant effect, both partially and simultaneously, on the Decision to Use the Online Application at the Bank Nagari Koto Agung Branch Office. The R² value is 0.739, which implies that 73.9% of the variation in the dependent variable can be explained by the independent variables, while the remaining 26.1% is influenced by other factors not examined in this study.

Burnout Sebagai Mediator Dalam Pengaruh Beban Kerja Terhadap Kinerja Karyawan

This study aims to determine the effect of workload on employee performance with burnout as a mediating variable in employees of Bank Nagari Pasar Raya Branch Padang. Workload is often considered a factor that affects employee performance, while burnout can arise as a result of excessive workload and impact performance. This study uses a quantitative approach with data analysis using the Partial Least Square (PLS) 4.0 method to test the relationship between workload, burnout, and employee performance variables. The results of the analysis show that workload has a positive and significant influence on employee performance at Bank Nagari Pasar Raya Padang Branch. This means that, as workload increases, employee performance also increases. However, the results also reveal that burnout does not serve as a mediating variable in the relationship between workload and employee performance. This is due to the promising compensation provided by Bank Nagari Pasar Raya Padang Branch to its employees, which allows employees to manage work stress more effectively and prevent burnout that affects their performance. Thus, adequate compensation and good stress management can reduce the negative impact of high workload on burnout and employee performance. These findings provide important insights for human resource management in the banking industry, especially in designing workload and compensation policies that can maximize employee performance without causing burnout.

Analisis Aktivitas Penghimpunan dan Penyaluran Dana Berdasarkan Konsep Mudharabah di Bank Nagari Syariah Solok

This research aims to analyze fund raising and distribution activities based on the Mudharabah concept at Bank Nagari Syariah Solok. Bank Nagari Syariah is a financial institution based on Islamic Sharia principles which aims to improve community welfare through improving economic business performance. This research uses a qualitative descriptive approach by collecting data through interviews and documents from Bank Nagari Syariah. The results of this research show that the number of customers collecting funds through savings, deposits and current accounts continues to increase in the 2019-2023 period. This reflects the high level of public trust in Bank Nagar Syariah Solok. In addition, the increase in the number of customers who share money through mudharabah products for both investment and working capital shows the important role of Bank Nagari Syariah in supporting the real sector and micro, small and medium enterprises. (UMKM) Based on the results of the research conducted, it can be concluded that the mudharabah concept implemented at Bank Nagar Syariah Solok is effective in collecting and distributing funds and has great potential in consistently improving the community's economy. . with sharia principles, but the biggest challenge is a lack of understanding. to the public about sharia products that require additional education from the bank.

Pengaruh Pengembangan Karir dan Work Life Balance terhadap Turnover Intention dengan Retensi Karyawan sebagai Variabel Mediasi

In the era of competitive business and Industry 5.0, human resource management (HRM) becomes crucial for achieving competitive advantage through the development, reinforcement, and transformation of organizational culture. This study explores the influence of career development and work-life balance on the turnover intention of female employees at Bank Nagari. Employees are considered the most important assets because their contributions affect the company's reputation and profitability. The involvement of female workers provides valuable skills, diversity, and inclusivity, yet their representation in leadership roles remains low. This research uses a quantitative method with primary data collected through questionnaires from 67 female employees at Bank Nagari headquarters. The results show that career development does not significantly affect turnover intention, while work-life balance has a significantly negative influence on the intention to leave. Demographic factors such as age, marital status, length of service, and income level play a more dominant role in influencing employees' decisions to stay. Additionally, employee retention and job satisfaction act as mediators in the relationship between work-life balance and turnover intention, indicating that policies supporting work-life balance and effective career development programs can enhance retention and reduce turnover intention. Investing in career development programs and work-life balance is a crucial strategy for increasing employee satisfaction and loyalty.

Analisis Tingkat Kesehatan Bank Nagari Syariah Menggunakan Metode RGEC

The purpose of this study was to measure the health level of Bank Nagari Syariah using the RGEC method. The research method used is descriptive quantitative method. The data collection technique used is documentation. The data analysis technique uses ratio analysis contained in the assessment of the bank's health level using the RGEC method. The results showed that the health level of Bank Nagari Syariah in 2017-2022 was in a good rating. In 2017-2018, the Financing to Debt Ratio was in an unhealthy state. But in 2019-2022 the bank has been able to improve its performance. The Net Performing Financing ratio is in a healthy state from year to year. The profitability factor shows that the bank is able to make a profit from its operational activities. Operating Expenses to Operating Income are categorized as healthy. The Good Corporate Governance factor shows that the implementation of the bank's operational structures and processes is in accordance with the regulations set by the OJK. The Capital factor is calculated by the Capital Adequacy Ratio and is in a very healthy state. The health level of Bank Nagari Syariah is in a healthy position.

CONTRIBUTION OF KNOWLEDGE AND RELIGIOSITY TO INCREASE THE NUMBER OF CUSTOMERS AT ISLAMIC BANK

This research was motivated by the use of conventional banks, which are more dominant than Islamic banks in Tapan. The purpose of this study is to determine the influence of the level of knowledge and religiosity on customer interest in choosing savings products at Bank Nagari Sharia Unit Tapan Branch. This research uses a quantitative research design. The population in this study is all people who use the Bank Nagari Sharia Unit Tapan Branch. Samples were taken using the Hair formula with a total sample of 55 people. The data analysis technique uses multiple linear regression analysis with the help of SPSS version 21. The results showed that partially and simultaneously, the variables of Knowledge and Religiosity had a significant and positive effect on interest in saving. This result can provide an overview to the bank to pay attention to the level of knowledge and religiosity of customers so that the number of customers increases. Some of them are by providing understanding to the public related to aspects of Sharia that must be considered.

The Influence of Job Mindfulness on Emotional Exhaustion Through Psychological Distress and Workplace Bullying as Mediation Variables

This research aims to clearly prove the effect of job mindfulness on emotional exhaustion through psychological distress and workplace bullying as mediating variables in employees of Bank Nagari Main Branch, Padang. In the research, 141 people were selected using the census method. Data collection is carried out by distributing questionnaires directly to employees who fulfill the specified selection procedures. The data analysis method used is path analysis which is processed using Partial Least Square (PLS). Job mindfulness and psychological distress have no effect on the emotional exhaustion felt by employees of Bank Nagari Padang Main Branch, while workplace bullying has a positive effect on the emotional exhaustion felt by employees of Bank Nagari Main Branch Padang. In the hypothesis testing stage, it was also found that Job Mindfulness had a negative effect on the psychological distress felt by Bank Nagari Main Branch employees. Apart from that, Job Mindfulness has a negative effect on workplace bullying felt by employees in the Bank Nagari Padang Main Branch environment. In the indirect influence testing stage, it was found that psychological distress did not mediate the relationship between job mindfulness and emotional exhaustion felt by employees of Bank Nagari Main Branch, Padang, whereas in the second indirect influence test, it was found that Workplace bullying was able to mediate the relationship between job mindfulness and emotional exhaustion in Bank Nagari Branch employees at Padang main branch.

Development of Guo Tourism Village through the Restoration of Ba Atok Bridge as an Effort to Preserve Minangkabau Cultural Wisdom

Bridge infrastructure is critical in connecting one region with other areas separated by rivers or ravines. In Minangkabau, a type of bridge is built using the Ba Atok Bridge roof. This bridge structure is characterised by pointed roof-like buffalo horns, where the Minangkabau people are known as Gonjong. The remaining Ba Atok Bridge is located in Padang City, specifically in Guo Village, Jalan Lubuak Tampuruang, Kuranji Village, Kuranji District, Padang City, with a bridge length of 16 meters. The community needs the Ba Atok Bridge as a bridge to cross the river to gardens, schools, madrasas, mosques, and other villages. Its unique shape has charm, and this is one of the cultural heritage assets that must be maintained as a characteristic bridge between the nuances of traditional Minangkabau culture. Therefore, the Community Service Team of the Faculty of Engineering, Andalas University, is also collaborating with the Tourism Awareness Group (POKDARWIS), which also has the same initiative, namely carrying out bridge restoration with traditional Minangkabau cultural nuances. Restoration begins with identifying damage, discussing it with community groups, making an architectural design, submitting a proposal to Bank Nagari, and repairing the bridge's upper frame. The Ba Atokini bridge restoration activities impact crossing access and have become characteristic of the Guo Tourism Village, which POKDARWIS manages.

The Effect of Self Service Technology and Service Quality Toward Customer Satisfaction of Bank Nagari Syariah Batusangkar Branch

The Effect of Self Service Technology and Service Quality Toward Customer Satisfaction of Bank Nagari Syariah Batusangkar Branch

Analysis of Consumptive Financing for Civil Servants at Bank Nagari Conventional and Sharia Bukittinggi

Consumer financing has become an essential product in the banking industry. Civil Servants (PNS) are one of the significant groups in the consumer financing market. The provision of consumer financing for PNS is not only available in conventional financial institutions but also increasingly prevalent in Islamic financial institutions. This study aims to analyze and compare the interest rate systems in conventional banks, namely sliding, flat, and annuity, with the interest rate system in Islamic banks, namely the declining margin annuity method applied by Bank Nagari in consumer financing. This research method uses a qualitative approach with in-depth interviews with PNS who are customers of Bank Nagari Syariah Bukittinggi and simulation data on the Bank Nagari Conventional website Calculator. Based on interest calculations, it is evident that the method with the least bank interest income is the sliding method at Bank Nagari Conventional, followed by the declining margin annuity method at Bank Nagari Syariah. Thus, this study provides valuable insights for PNS customers in choosing financing products that are beneficial to customers and align with their needs and values

Comparison Of Murabahah And Musyarakah Mutanaqisah Financing Management Strategies

This research analyses the comparison of murabaha and musyarakah mutanaqisah financing management strategies. This research is field research with data sources coming from primary and secondary data through observation, interviews, questionnaires, documentation and focus group discussions (FGD). Data analysis uses a mixed method approach, quantitatively and qualitatively using IFAS, EFAS matrices, SWOT diagrams and SWOT matrices. This research found advantages and disadvantages to murabaha and musyarakah mutanaqisah financing. Murabaha financing is quite familiar compared to musyarakah mutanaqisah financing and is currently in an aggressive strategic position with a strengths-opportunity score of 3.0. This position is very profitable for bank nagari syariah Bukittinggi. For musyarakah mutanaqisah financing, it is currently also in a favourable position. However, under Murabaha financing with a total strengths-opportunity score of 1.15, this position is still profitable for bank nagari syariah Bukittinggi. However, the weakness of musyarakah mutanaqisah means that financing distribution could be more optimal. Mutanaqisah musyarakah financing has incredible strengths and opportunities if it maximises its strategy. This research can complement existing theory and become a reference for bank nagari syariah Bukittinggi in improving its financing management strategy to support financing growth and meet community needs.

Sharia Banking Trust: Analyzing the Influence of Religiosity and Perceptions in Bank Sharia Bukittinggi Branch

Research on Sharia Bank is currently relevant due to the rapid growth of the Shariah financial industry, increasing public interest, as well as government support, focusing on factors such as customer trust and the influence of religiosity and perception on customer trust. The purpose of this study is to investigate how customer trust at the Bank Nagari Sharia Bukittinggi Branch is impacted by beliefs and religiosity. All Bank Nagari Bukittinggi City Branch customers made up the research population. The research population consisted of all customers of Bank Nagari Bukittinggi City Branch, with sampling using a purposive sampling technique which resulted in 150 respondents as samples. The analytical method used is the multiple linear analysis method. The research results show that customer religiosity does not have a significant influence on their level of trust in Bank Nagari Syariah Bukittinggi Branch. However, customer perceptions of the bank have a significant influence on the level of customer trust in the bank. This research provides an important contribution to understanding the factors that influence customer trust in Sharia banks, especially in the context of Bank Nagari Sharia Bukittinggi Branch. The results of this research can be a basis for the bank to improve its service and communication strategies to customers, by taking more into account customer perception factors.

Upaya Customer Service dalam Meningkatkan Service Excelent pada Bank Nagari Syariah KC Bukittinggi

This research aims to find and provide an explanation Customer Service Efforts to Improve Excellent Service at Bank Nagari Syariah KC Bukittinggi. To find out and explain Customer Service obstacles and solutions in improving Excellent Service at Bank Nagari Syariah KC Bukitinggi. This study employed a qualitative descriptive approach in field research methodology. The findings of this study are that Customer Service at Bank Nagari Syariah KC Bukittinggi has carried out a series of important actions in an effort to improve service excellence, this includes BNFC training to improve skills and understanding of quality service. Furthermore, customer service follows strict standard operational procedures and carries out a friendly and professional service attitude, from welcoming to closing the service. All these efforts aim to ensure that customers receive superior service and feel appreciated in every interaction with Bank Nagari Syariah KC Bukittinggi. Customer Service Obstacles and Solutions in improving excellent service at Bank Nagari Syariah KC Bukittinggi, namely the lack of adequate facilities and infrastructure at Bank Nagari Syariah KC Bukittinggi. However, in facing these obstacles, Bank Nagari Syariah took effective solutions, such as setting up an efficient management system, prioritizing services for customers with urgent problems, and planning good risk management. In facing these obstacles, Bank Nagari Syariah KC Bukittinggi strives to create changes in processes, technology and resource management, so that Service Excellence is maintained.

THE INFLUENCE OF INCOME AND FINANCIAL LITERACY ON INVESTMENT DECISION THROUGH FINANCIAL BEHAVIOR AS A MODERATING VARIABLE

This study aims to discover the influence of income and financial literacy on investment decisions through financial behavior as a moderating variable for Bank Nagari Muara Labuh Branch customers. The sample in this study were customers of Bank Nagari with a total of 100 samples. The data analysis method uses moderated regression analysis The results are based on the research and hypothesis testing that has been done, the results of the study can obtain that income has a positive and significant effect on Investment Decisions at Bank Nagari Muara Labuh Branch. Financial Literacy positively and significantly affects Investment Decisions at Bank Nagari Muara Labuh Branch. Income positively and significantly affects Investment Decisions through Financial Behavior at Bank Nagari Muara Labuh Branch. Financial Literacy positively and significantly affects Financial Behavior Decisions at Bank Nagari Muara Labuh Branch. This research contributes to financial institutions to create policies to improve customer investment decisions. For the government, this research contributes to making policies in setting regional minimum wages Keywords: Income, Financial Literacy, Investment Decisions, Financial Behavior

EFFORTS TO IMPROVE SERVICE QUALITY AT BANK NAGARI BATUSANGKAR SHARIA BRANCH IN MAINTAINING CUSTOMER LOYALTY

ABSTRACTBackground. Financial institutions need to pay attention to the quality of their services, as well as Bank Nagari Batusangkar Syariah Branch which pays attention to and strives for the quality of its services in maintaining customer loyalty. In this case, Bank Nagari Batusangkar Syariah Branch uses strategies such as physical evidence (tangible), responsiveness, reliability, assurance, and attention (empathy).Objective. This study aims to determine efforts to improve service quality at Bank Nagari Batusangkar Syariah Branch in maintaining customer loyalty.Methods. Data were analysed using data reduction, data presentation, and conclusion/verification, as well as data validity assurance techniques, namely source triangulation. The data collection techniques used are interviews and documentation.Results. The findings of the research conducted can be seen that Bank Nagari Batusangkar Syariah Branch shows efforts in maintaining customer loyalty by using 5 dimensions of service quality. First, physical evidence provided in the form of brochures, room cleanliness, which in every corner is provided with air conditioning that makes customers comfortable. Second, the responsiveness provided by always being responsive by asking directly what obstacles or problems faced by customers. Third, the reliability that is owned, namely employees who are reliable in accordance with their fields. Fourth, the guarantee provided is security in maintaining customer secrets or identities. And fifth, the attention given is to provide open and transparent communication to customers and meet customer needs.Conclusion. This study has significant implications for assessing the quality of service provided by Bank Nagari Batusangkar Syariah Branch to its customers.

Hubungan Iklim Organisasi dengan Organizational Citizenship Behavior (OCB) pada Karyawan Bank Nagari Kantor Pusat Padang

Productivity and effectiveness of the company to achieve a target or goal must have human resources or employees who can behave positively and can also create a good and comfortable atmosphere. The purpose of this study was to determine the relationship between organizational climate and organizational citizenship behavior (OCB) in Bank Nagari Employees, Padang head office. The independent variable in this study is organizational climate and the dependent variable is organizational citizenship behavior (OCB). The measurement tools used in this study are the organizational climate scale and the Organizational Citizenship Behavior (OCB) scale. The sampling technique is probability sampling. The sample in this study is based on the table from Issac and Michael with an error rate of 10%. So that the number of samples in this study were 130 people. The test results show that the validity coefficient on organizational climate moves from 0.403 to 0.849, while the reliability coefficient is 0.955, and the validity coefficient on Organizational Citizenship Behavior moves from 0.303 to 0.887, while the reliability coefficient is 0.941. Based on data analysis, a correlation value of 0.777 was obtained with a significance level of 0.000, which means that the hypothesis is accepted. This shows that there is a significant relationship between organizational climate and organizational citizenship Behavior of employees who work at Bank Nagari Padang Head Office. The effective contribution of organizational climate with organizational citizenship behavior for employees working at Bank Nagari Head Office is 60.5%.

Pengaruh Citra Perusahaan dan Kualitas Pelayanan terhadap Kepuasan Nasabah pada PT. Bank Nagari Cabang Ujung Gading

This research aims to determine the influence of company image on customer satisfacetion at Bank Nagari Ujung Gading Brance, the infliencer of Tangible, Empathy, Reliability, Responsiveness, Assurance, on custamer satifacetion at Bank Nagari Cabang Ujung Gading ranceh. The reselts of the analysis using SPSS version 24 show that company image has a positive and significant influence on customer satisfaction at Bank Ujung Gading Branch, and Tangible, Empathy, Reliability, Responsiveness, Assurance has a positive and significant influence on customer satisfaction at Bank Ujung Gading Branch.

Pengaruh Kualitas Pelayanan dan Kepercayaan Terhadap Loyalitas Nasabah PT. Bank Nagari Unit Syariah Cabang Tapan Dengan Kepuasan Sebagai Variabel Intervening

This study aims to determine how strong the influence of service quality and trust on customer loyalty with satisfaction as an intervening variable at Bank Nagari Syariah Unit Tapan Branch. Agency theory is used to describe the quality of Service Quality and Trust in Customer Loyalty with Satisfaction as an intervening variable. This research is a type of quantitative research. Quantitative analysis in this study is needed to provide an overview of the results of the study, then in order to strengthen the existence of a use of interest in being a customer between variables, it requires proof of analysis carried out on the answers to the results of the questionnaire distributed to respondents. This study aims to find an explanation of the influence of the quality of service quality and trust. The results show that service quality has a positive and significant effect on customer satisfaction. The higher the quality of the services provided, the higher the customer satisfaction that can be achieved. Trust has a positive and significant effect on customer satisfaction. The higher the quality of the performance of a banking trust, the higher the customer satisfaction. Customer satisfaction has a positive and significant effect on customer loyalty. The creation of high satisfaction allows customers to remain loyal to the banking trust used.

Pengaruh Gaya Kepemimpinan, Komitmen Organisasi Dan Kompensasi Terhadap Kepuasan Kerja

The scope of human resource management in general discusses matters relating to humans, including employee job satisfaction. Employee satisfaction is a factor that is considered important, because it can affect the organization's overall fraud. The satisfaction felt by employees at work is an indication that employees have feelings of pleasure in carrying out work assignments. Job satisfaction is also a positive employee attitude towards various situations in the workplace. This study aims to look at the influence of leadership style, organizational commitment and feelings on job satisfaction in Bank Nagari Simpang Empat Pasaman Barat employees. Sampling using a saturated sample that is as many as 56 employees. The results obtained are motivation and content on employee performance that affect employee performance at Bank Nagari Simpang Empat Pasaman Barat.