Bank Permata Research Articles

Analisis Peran Laba Pembiayaan (Akad Mudharabah dan Musyarakah) Terhadap Profitabilitas Bank Syariah Indonesia: Studi Banding dengan Profitabilitas Bank Konvensional KBMI III Periode 2021-2023

This research aims to analyze the effect of mudharabah and musyarakah financing profits on BSI Bank profitability as well as a comparative study of the profitability of KBMI III Conventional Banks for the 2021-2023 period. The sample in this study used a proportionate stratified random sampling technique which took profit data on mudharabah and musyarakah financing at Bank Syariah Indonesia and profitability data (ROA) at Bank Syariah Indonesia, Bank BTN, Bank Permata and Bank CIMB Niaga for the 2021-2023 period. The analytical tool used is multiple linear regression analysis using the SPSS V21 application. The research results showed that the mudharabah financing profit variable had a negative and significant effect on profitability and the musyarakah financing profit variable had a positive and significant effect on profitability, while the test results of mudharabah and musyarakah financing profits together had a positive and significant effect on profitability. The results of different test research show that in general the ROA of Bank BSI is better than that of conventional Bank KBMI III.

Application of Allot Secure Service Gateway for WAN Network Bandwidth Management at PT. Bank Permata Tbk

As is generally experienced by large companies that have a large number of branches and centralized applications, PT. Bank Permata Tbk currently has WAN Bandwidth that manages links and the complexity of current applications and Protocols. However, the application and observation of the Bandwidth settings has not been maximized. If these problems are not regulated, it is feared that this will interfere with the performance of PT. Bank Permata Tbk which in the end will be able to reduce the level of business competition ability when compared to other Top companies that become its competitors. The research method used in this research is the HTB (Hierarchical Token Bucket) method. The HTB method is a method that functions to regulate the distribution of Bandwidth, the division is carried out in a hierarchy which is divided into classes to make Bandwidth Management easier. At this stage, the problem that will become the research object of the problem formulation is the absence of structured reports for Bandwidth usage in each branch. In the analysis of this system it can be concluded that PT. Bank Permata Tbk does not yet have a structured report for Bandwidth usage at each branch and without any special limitations on Bandwidth. And with this problem, the branch application that is used does not run optimally. With the implementation of Bandwidth Management using the Allot Secure Service Gateway on the WAN network of PT. Bank Permata Tbk so that it can produce structured reports and monitor Traffic Bandwidth from both branches to branch applications.

ANALISIS TINGKAT KESEHATAN BANK DENGAN MENGGUNAKAN METODE RGEC (RISK, PROFILE, GOOD CORPORATE GOVERNANCE, EARNING, AND CAPITAL) PADA PT. BANK PERMATA Tbk. PERIODE 2019-2021

The purpose was to find out the soundness of the bank PT Bank Permata Tbk for the period 2019-2021 using the RGEC method. The population is the financial statements of PT Bank Permata Tbk and the samples are the statement of financial position (balance sheet), income statement, and notes to the financial statements of PT Bank Permata Tbk for the 2019-2021 period. The type of data used is quantitative data with secondary data, using data collection techniques, namely documentation techniques through the website of Bank Permata. The data processing technique used is a descriptive technique using the RGEC method. Based on the results of data processing, it can be concluded that PT Bank Permata Tbk in 2019 to 2021 obtained a composite rating (PK) 1 in the very healthy category. This reflects the condition of the bank which is generally very healthy, so it is considered very capable of dealing with significant negative influences and changes in business conditions and other external factors.

The Influence of Participative Leadership Style on Job Satisfaction with Organizational Citizenship Behavior as a Moderating Variable

Researchers believe that a leadership style that involves subordinates/employees in deciding things, is interactive with subordinates, has good closeness, and gives trust to employees can increase employee job satisfaction. Therefore, this research aims to analyze the influence of Participative Leadership Style on employee job satisfaction. Different from previous research, this research adds the Organizational Citizenship Behavior variable as a moderating variable which researchers believe can strengthen the influence of the Participative Leadership Style variable on Job Satisfaction. This research is quantitative research with an explanatory approach. The data used in this research is classified as primary data because the data collection method uses a questionnaire method which is distributed online to 300 Bank Permata employees spread throughout Indonesia. These data are used using the smart PLS 4.0 analysis tool. The result in this article show that Participative Leadership Style variable has a positive relationship and a significant influence on Job Satisfaction because the P-Values results are positive and are below the 0.05 significance level, namely 0.006. Apart from that, the Organizational Citizenship Behavior variable can moderate the influence of the Participative Leadership Style variable on job satisfaction because the positive p-values are below 0.05, namely 0.000. Even smaller than direct testing, 0.006. Thus, the first and second hypotheses in this research can be accepted and proven.

The Influence of Financial Report Quality, Profitability and Tax Avoidance Practices on Business Value Through Financial Performance as a Mediating Variable in Banking Sector Companies

This research analyzes the influence of financial report quality, profitability, tax avoidance practices on financial performance; analyze the influence of financial report quality, profitability, tax avoidance practices on business value; and analyzing financial performance in mediating the relationship between financial report quality, profitability and tax avoidance practices and business value. The research sample was 20 (twenty) financial reports from 6 (six) banking companies listed on the Indonesia Stock Exchange (BEI) for the period 2017 to 2022, namely BNI, BRI, Bank Danamon, BCA, Bank CIMB Niaga and Bank Permata with 79 observations. The data collection technique was showed by accessing the official PT website. Indonesia stock exchange. The data analysis technique is path analysis with correlation and regression techniques. The research results show that the quality of financial reports has no effect on business performance; profitability influences business performance; tax avoidance practices have no effect on business performance; the quality of financial reports has no effect on business value; profitability influences the value of banking companies; tax avoidance practices have no effect on business value; financial performance has no effect on the value of banking companies; financial performance cannot mediate the relationship between financial report quality and business value; financial performance cannot mediate the relationship between profitability and firm value; and between tax avoidance practices and firm value.

The Influence of Mental Health on Employee Performance with Physical Activity as a Moderating Variable

ABSTRACT.
 Researchers believe that mental health can have a positive relationship and a significant influence on employee performance because mental health, which consists of psychological health and intellectual health, can make employees work stably, measurably, efficiently and effectively in taking every step and making every decision. facing difficulties. Apart from that, researchers also believe that the effect will be more significant if accompanied by good physical activity which leads to good physical health. This research is quantitative research with an explanatory approach. The data used in this research is primary data that researchers obtained from distributing a questionnaire containing 14 items consisting of 6 Mental Health variable question items, 4 Employee Performance variable question items, and 4 Physical Activity variable question items. This data can also be called primary data. This research was conducted on 300 Bank Permata employees spread throughout Indonesia. The resluth in this research show good Mental Health can have a positive relationship and a significant influence on Employee Performance because Mental Health which consists of Mental Health and Intellectual Health can make employees more focused at work, more efficient in completing targets, and more effective in solving existing problems. Therefore, the results of the first row of path coefficients in this study show that the mental health variable can have a positive relationship and a significant influence on employee performance due to the positive P-Values and being below the 0.05 significance level, namely 0.021. Apart from that, the results of the second row of the third table of path coefficients show that the beliefs and assumptions of the two researchers can be fulfilled because the P-Values are positive and are below the significance level of 0.05, namely 0.000, because good physical activity can make the body healthy so that employees can work with focus, fit, and be able to complete any target without hindrance. Moreover, this is accompanied by good mental health and intellectual health. In this way, employee performance can be easily achieved. Based on this, the first and second hypotheses in this research can be accepted.

Efficiency Analysis of Bank Buku 4 (Bank with Core Capital at Least Rp30 Trillion) Before and During The Covid-19 Pandemic

The purpose of the study is to analyze Bank BUKU 4 Financial performance the COVID-19 Pandemic, until the years of the pandemic. The research based on secondary data, sourced from annual and finansial reports of banks in Bank BUKU 4 category along with source from www.ojk.com. Every banking companies in Indonesia are the population for this reseach. While the sample of this research are ten (10) banks that categorized as Bank BUKU 4 from 2018 until 2010 with purposive sampling technique. Data Envelopment Analysis (DEA) on non-parametric term testing used the intermediation approach become efficiency measurement method in this study. Total Assets, Deposits, Total Savings, and Operating Costs are the input variables. While the output variables contained in this study are Credit, Interest Income, and Net Income. There are two results based on this study; First, most of banks that included as Bank BUKU 4 measured to have high efficiency, although Bank Permata and CIMB have reached the level moderate in efficiency in some years. Second, the banks’ efficiency in Bank BUKU 4 category has No. difference on the study period

ANALISIS KINERJA KEUANGAN BANK SEBELUM DAN SESUDAH DIAKUISISI

The purpose of this research is to find out whether there has been an improvement in the financial performance of Bank Permata after it was acquired by comparing the financial performance of the banks two years before and two years after. This study uses financial ratio analysis of LDR, CAR, ROA, BOPO, NPL as the calculation. The method used in this study is a qualitative method using secondary data. The object of this research is Permata Bank. Data collection was carried out by means of literature studies and documentation. Where data is obtained from Bank Permata's financial reports. Based on the results of the financial performance analysis at Permata Bank, it was concluded that LDR, CAR, NPL had improvements in Permata Bank's financial performance. Meanwhile, ROA and BOPO did not improve after being acquired but are in a safe position for the soundness of the bank

ANALYSIS OF BANK HEALTH LEVELS USING THE RGEC METHOD AT PT BANK PERMATA TBK, PERIOD 2013-2015

This research aims to find out the health level of Bank Permata in the period 2013 - 2015. The type of research used is descriptive research with a quantitative approach. The variables used are Risk Profile which is measured by the NPL and LDR ratio, Good Corporate Governance (GCG) which is measured through self-assessment results, Earnings which is measured through the ROA ratio, and Capital which is measured through the CAR ratio. PT Bank Permata in 2013-2015 was included in composite rating category 1, which reflects the bank's very healthy condition, so it is considered very capable of facing significant negative influences from changes in business conditions and other external factors. Calculations based on the risk profile using the NPL and LDR ratios show a healthy category. The Good Corporate Governance (GCG) assessment is included in the very healthy category. Earnings assessment using the ROA ratio is stated in the quite healthy category. And for the assessment based on Capital using the CAR ratio, it is stated in the very healthy category.

Analysis of Mudharabah Financing on the Profitability of Bank Permata Syariah Surabaya

This study aims to find out whether mudharabah financing helps in increasing profitability at Bank Permata Syariah Surabaya. The type of research used is qualitative research because this research is mini-research in nature, where researchers have to meet directly with informants and through a literature study method where data sources are taken and collected from books, journals, previous research, or websites which are then read and processed into the material. The study based on results of the study found that mudharabah financing also helped increase the profitability of Bank Permata Syariah Surabaya. There are several factors that influence the decline in mudharabah financing in increasing profitability including decreasing customer interest in mudharabah financing and increasing customers experiencing financing problems.

Analysis of Non-Performing Loans at Permata Bank for the 2008-2022 Period

The purpose of this study is to analyze trends & factors based on credit info system data on the NPL report at Bank Permata in 2008-2022. NPL fluctuated, increasing during the 2008-09 crisis. Economic downturn, high rates, & defaults are major contributors. Corporate loans affected by the crisis; consumer loans during the pandemic. The bank implemented measures: loan restructuring, risk management. Hence the need to improve credit decisions & risk management for a healthy portfolio.

The Effect of Non-Performing Loans (NPL) to the Bank Profitability During the Covid-19 Pandemic (Case Study of Buku III Bank in Indonesia)

Bank is a financial institution that functions as a liaison between parties who have excess funds and those who need funds. In creating bank health, it is measured by profitability indicators to see the ability to increase profits, measure effectiveness and efficiency in management. Its profitability can be seen from the value of ROA (Return On Assets) and ROE (Return On Equity). The banking industry has problems in bad debtors which can be seen from the value of NPL (Non-Performing Loan) and this is exacerbated by special conditions that have occurred in recent years, namely the Covid-19 pandemic. So it is necessary to see how the effect of non-performing loans on bank profitability during the Covid-19 pandemic and this study conducted a case study on Buku III banks in Indonesia represented by 7 banks that reported financial data from 2019-2021, namely Bank HSBC Indonesia, Bank Tabungan Negara, Bank DBS Indonesia, Bank Permata, Bank Mega, Bank DKI, and Maybank Indonesia. The results show that the results of the analysis using SPSS version 25, partially non-performing loans represented with NPLs have no effect on the profitability of banks represented with ROA and ROE. Meanwhile, the same condition occurs in the results of the analysis test simultaneously or together with non-performing credit variables, namely NPLs, do not affect bank profitability, namely ROA and ROE.

PENGARUH PERSEPSI KESESUAIAN, SISTEM INTERNAL KONTROL, DAN PENERAPAN GOOD CORPORATE GOVERNANCE TERHADAP KECURANGAN AKUNTANSI PADA PT. BANK PERMATA, TBK

Accounting fraud is a misstatement or intentional omission of amounts or disclosures in financial statements to deceive users of financial statements and misstatements arising from improper treatment of assets (often referred to as misappropriation or embezzlement) related to the theft of entity assets that result in financial statements not being presented. in accordance with generally accepted accounting principles in Indonesia. This study aims to determine the effect of perceived conformity, internal control systems and also the implementation of good corporate governance at PT Bank Permata, Tbk. The method used in this study is a quantitative method, with a sample of 38 out of 51 all employees of PT Bank Permata, Tbk who serve as administration/finance, marketing, customer service and teller. The type of data used is primary data. The results showed that partially the perceived facility suitability variable had no effect on the accounting fraud variable. The internal control system variable has a partial effect on the accounting fraud variable. The good corporate governance variable partially has no effect on accounting fraud. And simultaneously the variables of conformity perception, internal control system and good corporate governance have an effect on accounting fraud

The Impact of Financial Technology on Banking Profitability

This study aims to explain the impact of financial technology (Fintech) on banking profitability and examine differences in banking profitability along with the growth of Fintech. The test is carried out using an event study, while Profitability is measured using financial ratios, namely ROA, ROE, and BOPO. The data used in this study is 2012-2017 in state-owned banks with the highest total assets that have fintech services (Bank Mandiri, BRI, BNI, BCA, DANAMON, CIMB, OCBC, BTPN, BUKOPIN, and Bank PERMATA).The methodology used is a descriptive quantitative approach by conducting different tests and to explain the relationship between these variables, multiple linear r egression tests are used. Different tests are carried out to see whether banking profitability is disrupted by the fintech phenomenon or not. Quantitative analysis is carried out by examining related problems. The conclusion that can be drawn is that innovations that occur in banking through the fintech phenomenon are not as a distraction but as an opportunity to develop fintech services and increase banking profitability.

Investment Decision Using Capital Asset Pricing Model (CAPM) in Indonesia’s Banking Sector

The focus of this research was to determine and investigate the application of the Capital Asset Pricing Modeling (CAPM) technique in analyzing investment decisions in particular banking stocks that specialize in digital banking operating models. Investors generally follow the IT or digital sector (Tech stocks) due to the sector's track record of delivering high returns and the promise for even greater returns in the future. In the banking sector, investors continue to pursue digital bank stocks as their holdings because they believe they may create value and expand. Six digital banking stocks were chosen for this study, all of which are listed on the Indonesian Stock Exchange and have an observation period of April 2021 to March 2022. These stocks are Bank Jago Tbk, Bank Neo Commerce Tbk, Bank Danamon Tbk, Bank Permata Tbk, Bank BTPN Tbk, and Bank OCBC NISP Tbk. This research uses linear regression analysis to determine the beta coefficient for the Capital Asset Pricing Modeling (CAPM) method and compares the expected return to the stock market's rate of return during the observation period in order to further differentiate between undervalued and overvalued stocks. The study found that two of the six digital banking companies had higher returns than expected (undervalued/efficient stocks), namely Bank Jago and Bank Neo Commerce, with the remaining four categorized as overvalued/inefficient.

Penerapan nilai wajar dalam penilaian aset perusahaan perbankan swasta sebelum dan saat pandemi pada Bank Permata Tbk tahun 2019-2020

The application of IFRS in the banking sector plays an important role in seeing its effect on increasing economic growth in Indonesia. One of the banks that have adjusted to IFRS standards by disclosing fairness in their financial statements is Bank Permata. Assessment techniques used to maximize the use of relevant inputs that can be observed. This research was conducted using descriptive analysis to process quantitative data with the application of fair value with assets at PT Bank Permata Tbk. The financial statements use secondary data with data analysis. Overall, the results of the measurement of the fair value of assets from the banking industry at PT Bank Permata Tbk are considered feasible, this is due to the number of statements, namely 19 out of 20 statements that are in accordance with PSAK 68. Based on the results of the analysis, it was found that number 12 does not comply with PSAK 68 paragraph 74 concerning entities prioritizing the hierarchy of values over inputs, on the other hand, according to PSAK 68 paragraph 74 the priority is inputs over fair value hierarchies.

The Effect of E-wallet and Sales Promotion on Purchasing Decisions

E-wallet is an electronic device, online service, or software program that allows one party to make electronic transactions with another party bartering digital currency units for goods and services. This can include purchasing items on-line with a computer or using a smartphone to purchase something at a store. Currently in Indonesia there are many kinds of E-Wallets including; DOKU, BBM money bank Permata, cash XL, Telkomsel T-Cash, CIMB Niaga Mobile Account, and so on. One example of an E-wallet is Gopay, inaugurated in April 2016 that can be used in all payment transactions in the Gojek application. This study aims to investigate the effects of E-wallet and Sales Promotion of Hop Hop Purchasing Decisions among high school students in the city of North Jakarta. This is explanatory research using probability sampling method and using a questionnaire on Google Form for collecting data. The sample used is 100 respondents from high school students who use the GOPAY electronic wallet to buy Hop Hop in the city of North Jakarta. This research uses quantitative analysis: validity, reliability, classic assumptions, correlation coefficient, determination coefficient, simple and multiple linear regression, hypothesis significance of t test and F test. The results of multiple linear regression analysis show that there was an effect of E-wallet and Sales Promotion on purchasing decisions. The variable correlation coefficient of the use of E-wallet and Sales Promotion on the GOPAY E-wallet has a strong relationship. The coefficient of determination of the variable using E-wallet on the Purchasing Decision variable is 59.4%, and the coefficient of determination of the Sales Promotion variable on the Purchasing Decision variable is 43.1%.

DAMPAK KEPEMIMPINAN BERINTEGRITAS KRISTIANI DAN MOTIVASI TERHADAP KUALITAS PELAYANAN KEPADA NASABAH PERMATA BANK BATAM

The purpose of this research is to describe the impact of leadership with Christian integrity and work motivation as employees on the quality of service to customers at Permata Bank Batam. The scope of this research are motivation and leadership variable where in an organization the impact of a leader greatly affects the work that is the target of the achievement of the business process. This research method uses library analysis to explore some of the lives of Christian integrity characters and a quantitative approach using multiple regression analysis to measure the influence between variables partially and the Anova test to measure the percentage of impact strength between variables, while the data analysis instrument uses SPSS. The results of this study from the R coefficient that the independent variables of Christian integration and work motivation contribute to the improvement of service quality to customers at Permata Bank Batam by 43.1%. The role of leadership with Christian integrity and motivation is proven to be able to improve staff services to customers at Permata Bank. A successful leader must have real Integrity in every leadership he carries out. Leaders with Christian integrity have proven to be needed and able to motivate the running of qualified operational activities and improve services to customers at Bank Permata Batam.

PENGARUH KEMAMPUAN MODAL DAN LIKUIDITAS TERHADAP KEUNTUNGAN PERBANKAN NASIONAL DI BURSA EFEK INDONESIA (BEI)

The capital market is one of the alternative sources of long-term funding for companies. These include companies in the banking sector. The Banking Industry plays an important role in economic development as a Financial Intermediary or intermediary for over-funding parties with parties in need of funds. One element that is very noticed by the bank is the performance of the bank, in other words, the problem of its health level. The level of health of a bank can be assessed in terms of its finances. A bank can be said to be healthy if it can meet the provisions stipulated by the regulations issued by the Central Bank. In conducting this research, the object that the author of the analysis is the banks listed on the Indonesia Stock Exchange as many as 10 banks, ten banks registered by the author took 4 state-owned banks yatu Bank Mandiri, Bank BNI 1946, Bank BRI, Bank BTPN while private banks include Bank BCA, Bank CIMB Niaga, Bank OCBC NISP, Bank Maybank, Bank Danamon and Bank Permata where the data used is secondary data for the period 2014-2019 obtained from the Indonesia Stock Exchange , which relates to this research. Based on calculations and analysis using car, LDR and ROA ratios that have been done by the author, it can be concluded that the banks taken as samples can be said to be healthy banks. Although the ten banks are classified as healthy banks, the banking sector has great potential and opportunities in its role as a source of financing for the community and business sector. Since the number of banks liquidated during the monetary crisis, Bank Indonesia has been more eager to restructure the banking sector, which is expected to create a strong, effective, efficient, and sound banking structure. The health of a bank can be assessed through qualitative approach to management factors and quantitative approach to capital factors, asset quality, management, rentability, and liquidity. This study aims to analyze the influence of capital and liquidity capabilities on profits in the National Banking System. The financial ratio analysis used consists of CAR, which represents capital capability, LDR representing liquidity and ROA representing profit. From the results of the study, CAR and LDR variables simultaneously affect roa variables, this is indicated by the P-value test calculation value of 0.017 is less than 5%, meaning there is a positive and significant influence between the two free variables (CAR and LDR) on bound variables (ROA)

IMPLEMENTASI PROGRAM REDUCE, REUSE RECYCLE (3R) BANK SAMPAH PERMATA BUNDA DALAM PENGELOLAAN SAMPAH DI LINGKUNGAN SEKOLAH MENENGAH ATAS KECAMATAN PANGKALAN KERINCI

The implementation of waste management through the Reduce, Reuse Recycle (3R) Waste Bank Permata Bunda Program were evaluated the study aimed at : (1) are describe process and results of the Implementation of Waste Management through the 3R Program. (2) Examining the feasibility of implementation of waste management. (3) testing the effectiveness process of implementation of waste management. The 3R Permata Bunda's programme through (1) Reuse means reusing waste that can still be used for the same function or other functions. (2) Reduce means reducing everything that results in waste. (3) Recycle means to recycle waste into useful new products or products.The data in this study are in the form of a score assessment of the implementation of waste management from respondents through questionnaires. The respondents consisted of 40 students from SMAN 1 Pangkalan Kerinci and SMAN 2 Pangkalan Kerinci, and 4 experts or managers. The Implementation of Waste Management Through the 3R program of Permata Bunda Waste Bank evaluated from (1) The physical appearance (2) Practical use (3) Effectiveness of the process. The result showed that Implementation of Waste Management Through the 3R program of Permata Bunda Garbage Bank of Pangkalan Kerinci is categorized as feasible, practical, and effectively applied in Pangkalan Kerinci District