Bank Rakyat Indonesia Research Articles

Pengaruh Kepemimpinan, Motivasi dan Pelatihan terhadap Kinerja Pegawai PT. Bank Rakyat Indonesia (Persero) Kantor Cabang Kendal

This research analyzes the influence of leadership, motivation, and training on team member performance. The population in this study was all PT employees. Bank Rakyat Indonesia (Persero) Kendal Branch Office with 94 respondents. The research method used is quantitative research. Data was collected using a Google form questionnaire with four variables: leadership, motivation, training, and team member performance. Data processing results are in the form of respondent descriptions, variable descriptions, validity test results, reliability test results, F test results, coefficient of determination test results (R2), and hypothesis test results. The results of this study show that leadership does not affect team member performance, motivation has a positive and significant effect on team member performance, and training has a positive and significant impact on team member performance. Conclusion: There is a significant influence between motivation and training on team member performance. However, leadership does not affect team member performance. Keywords: Employee Performance, Leadership, Motivation, Training

Analysis of the Impact of Frontliner Employee Performance Assessment at PT. Bank Rakyat Indonesia (Persero), Tbk. KC Jakarta Tanjung Priok

Performance appraisal of frontliner employees at PT Bank Rakyat Indonesia (Persero), Tbk. Kc Jakarta Tanjung Priok has a significant impact on employee development and performance. Through analysis, it can be seen that performance appraisals provide clear feedback, motivate employees to improve their performance, strengthen teamwork, and drive process and system improvements. Supporting factors such as transparent appraisal systems, strong management support, sustainable reward systems, and effective communication contribute to the success of performance appraisals. However, there are also challenges such as subjectivity in appraisals and employee resistance to the appraisal process that need to be overcome. With attention to these constraints and maximization of supporting factors, PT Bank Rakyat Indonesia (Persero), Tbk. Kc Jakarta Tanjung Priok can ensure that performance appraisal of frontline employees becomes an effective tool in achieving organizational goals and overall employee development.

ANALISIS LAPORAN KEUANGAN UNTUK MENGUKUR KINERJA KEUANGAN PT BANK RAKYAT INDONESIA (PERSERO) TBK

This study aims to determine the financial performance of PT Bank Rakyat Indonesia (Persero) Tbk using the rations of liquidity, profitability, and solvency. This type of research is a type of quantitative descriptive analysis research with data collection techniques used are documentation and literature study. The data analysis techniques used is the analysis of liquidity, solvency, and profitability rations. The sample in this study is the balance sheet and profit/loss statement for the last 4 years published from the official website www.bri.co.id for the period 2019 to 2022. the result showed that the liquidity rations, namely the quick ratio, asset to loan ratio, and loan to deposit ratio (LDR) were in very good condition in accordance with BI standarts. In the profitability ratio, namely net profit margin, return on asset, and return on equity in a very good condition in accordance with BI satndarts. And in the solvency ratio, namely the primary ratio, capital ratio, and capital adequacy ratio (CAR) in very good condition in accordance with BI standarts.

Pengaruh Kinerja Keuangan terhadap Pertumbuhan Laba pada Perusahaan Perbankan BUMN yang terdaftar di Bursa Efek Indonesia

This research is a quantitative study that aims to determine whether there is an effect of financial performance on profit growth at State-Owned Commercial Banks (BUMN) listed on the IDX. The population of this study were Bank Rakyat Indonesia (BRI), Bank Negara Indonesia (BNI), Bank Tabungan Negara (BTN), and Bank Mandiri (BMRI). The period of this study was taken from 2015-2022. Data collection was carried out using secondary data, namely documentation. The analysis technique used is the classical assumption test, multiple linear regression and hypothesis testing with the help of SPSS 26. The results of this study show that TATO financial performance does not have a significant influence on not have a significant influence on profil growth with a sig value of 0,795 and CAR financial performance does not have a significant influence on profil growth with a sig value of 0,939 and no simultaneous or joint influence between TATO and CAR on profil growth with a sig value of 0,899.

Efek Kompetitif Merger Bank Syariah Indonesia Terhadap Penyaluran Pembiayaan UMKM Dan Non-UMKM

Bank Syariah Indonesia (BSI) is merged of three state-owned subsidiary Islamic banks, namely Bank Syariah Mandiri (BSM), Bank Negara Indonesia (BNI) Syariah, and Bank Rakyat Indonesia Syariah (BRIS). The merger of the three banks is expected to provide benefits, especially for the majority of Indonesian Muslims. In addition, it can also increase the value of the company by increasing profits both through raising funds and distributing financing. This study was conducted to examine the competitive effect of Bank Syariah Indonesia merger on the distribution of UMKM financing, non-UMKM financing, total financing. The bank's performance to be tested consists of market share, net trade cycle (NTC), investment, interest expense, and return on asset (ROA) in pre and post merger at Bank Syariah Indonesia. This study used 53 data, 5 bank data after the merger and 48 bank data before the merger to test the hypothesis whether there is an influence of market share, NTC, investment, ROA on UMKM financing, non-UMKM financing and total financing. The results showed that investment variables affect UMKM financing, non-UMKM financing and total financing while market share, NTC, interest expense, and ROA variables do not affect UMKM financing, non-UMKM financing and total financing.

Corporate Governance, Financial Performance and Macroeconomics: The Impact on Bank Profitability Information

Banks are institutions with stringent regulations related to corporate governance implementation and the demand for high financial performance. Macroeconomic conditions significantly affect the financial performance, including profitability, of banks. The study focused on Indonesia's four state-owned banks, Bank Tabungan Negara (BBTN), Bank Negara Indonesia (BBNI), Bank Rakyat Indonesia (BBRI), and Bank Mandiri (BMRI). The research sample or saturated sample was the entire population. The 10-year observation period ran from 2011 to 2020. The panel data regression model with a common effect was used to evaluate the data. The data showed that CGPI and LDR had no discernible impact on profitability. While NPL and FOREX had a large negative impact on profitability as evaluated by ROA, CAR, NIM, SIZE, and BIRATE had a significant positive impact. All independent factors simultaneously have a major impact on profitability. All independent factors were able to explain their impact on profitability to a degree of 94.39%, according to adjusted R-squared, while other variables outside the model were responsible for the remaining effects.

The Influence of Corporate Social Responsibility in the 2022 Desa Brilian Program on Bank Rakyat Indonesia's Brand Awareness [Case Study: Burai Village, Tanjung Batu District, Ogan Ilir Regency

This study aimed to find out about the influence of corporate social responsibility (CSR) which consists of the variables of Human Resources (people), Profit (prosperity), and Environment (planet) on the company’s brand awareness in this study using the Desa Brilian 2022 Program in Burai Village, Tanjung Batu Subdistrict formed by PT. Bank Rakyat Indonesia. The data used was primary data obtained from the distribution of questionnaires to 100 respondents using random sampling techniques and analyzed using the F-test, T-test, and multiple linear regression analysis. The results of this study showed that there is a significant influence of the variables people, prosperity¸ and planet towards Bank Rakyat Indonesia’s brand awareness either simultaneously or partially and the dominant variable influencing brand awareness in this study is the Environment factor (planet). Keywords: CSR, brand awareness, bank rakyat indonesia

Analysis of the Soundness of Government-owned Islamic Banks Before and After a Merger

This paper analyzes the soundness of government-owned Islamic banks before and after a merger. The research variables consist of Risk Profile as measured by Non-Performing Financing (NPF) and Financing to Deposit Ratio (FDR), Good Corporate Governance as measured by Net Open Position (NOP), Earnings as measured by Return on Assets (ROA), Return on Equity (ROE) ) and Operational Efficiency Ratio (OER), and Capital as measured by the Capital Adequacy Ratio (CAR). Three government-owned Islamic banks before merger, namely Bank Rakyat Indonesia (BRI) Sharia, Bank Negara Indonesia (BNI) Sharia, Bank Sharia Mandiri (BSM) and one bank after merger namely Bank Sharia Indonesia (BSI) were selected as research objects. The study uses secondary data for the first quarter of 2019 to the third quarter of 2022. The hypothesis was tested with the Paired Sample T-Test and the Wilcoxon Signed Rank Test. The results show that the ratios of NPF, NOP, ROA, ROE, and OER have significant differences before and after the merger. Meanwhile, the ratios of FDR and CAR have no significant difference before and after the merger. This condition indicates that the ability of Islamic banks to manage FDR and CAR is quite good and remain in the soundness category before and after the merger. This study concludes that some of the soundness ratios of government-owned sharia banks are better after the merger. However, there are two ratios that are not significantly different either before or after the merger. The implication of this research is that the ability of the manager of a government-owned Islamic bank in managing the soundness of a bank greatly determines the sustainability of an Islamic bank. For further research, it is suggested to add the timeframe of the research. Keywords: risk profile, good corporate governance, earning, capital, merger, government owned Islamic banks

Analysis of Management Accounting Information System Characteristics in Supporting Financial Performance Achievement at PT. Bank Rakyat Indonesia Manado Branch Office

Management accounting information systems play a role in helping managers identify problems, resolve problems, and evaluate performance. This information refers to the process of continuous value improvement in increasing the value of either a product or service. This research aims to determine the characteristics of the management accounting information systems applied at PT. Bank Rakyat Indonesia Manado Branch Office in supporting the achievement of financial performance. The type of research used is qualitative descriptive research and reseach data collection is carried out by means of interviews, observation, and documentation. The research results show that the management accounting information owned by PT. Bank Rakyat Indonesia Manado Branch Office, namely information that has the characteristics of broad scope, timeliness, aggregation, and integration has been carried out will which really helps management manage existing information, especially in decision making and helps in improving financial performance for the better.

Analisis Perbandingan Kinerja Keuangan pada Bank Rakyat Indonesia dan Bank Tabungan Pensiunan Nasional Syariah Periode 2017-2022

Banks as intermediaries that can help mobilize and channel public funds need to be measured by how successful financial management has been. By knowing its financial performance, we can also find out whether the company is running smoothly or not, and can see its banking and financial prospects. This research was conducted to discuss differences in the financial performance of Bank Rakyat Indonesia and the Sharia National Pension Savings Bank in the 2017-2022 period. This research is a quantitative study with the number of samples studied, namely 24 quarterly financial reports of Bank BRI and Bank BTPN Syariah. Selection of the sample using the saturated sample method. Methods of data analysis using independent sample t-test and Mann-Whitney test analysis. The results showed that there was a significant difference between the financial performance of Bank Rakyat Indonesia and the Sharia State Pension Savings Bank for the 2017-2022 period based on all the financial ratios studied, namely ROA, ROE, BOPO, NPL/NPF, FDR/LDR, NIM/NOM and CAR. The financial performance of the Sharia National Pension Savings Bank is superior to Bank Rakyat Indonesia in terms of the ratios of ROA, ROE, BOPO, NIM/NOM, FDR/LDR NPL/NPF and CAR for the 2017-2022 period.

Manfaat Kredit Usaha Rakyat Bagi Pelaku Usaha Kecil Dan Menengah Di Kecamatan Langke Rembong Kabupaten Manggarai

This research aims to explain the benefits of providing BRI Bank People's Business Credit loans for Small and Medium Enterprises. This research was conducted at Bank Rakyat Indonesia because it is one of the banks that distributes the KUR assistance program. This research uses primary data and secondary data. The research results show the benefits of providing BRI bank KUR assistance to SMEs, namely that small and medium business actors are helped by getting capital to open a business, develop businesses that are already running and can provide employment assistance for other people. Obstacles that small and medium business actors often face when applying for small and medium business credit assistance include incomplete requirements, bad personalities and inappropriate credit guarantees. It is hoped that the provision of people's business credit loans will be able to provide benefits to small and medium business owners, both for the businesses they run and to fulfill other economic needs.

Efektivitas Penilaian Tingkat Kesehatan Perbankan Menggunakan Metode RGEC pada Bank Rakyat Indonesia Tahun 2018-2020

This research aims to determine the effectiveness of assessing banking soundness levels using the PT RGEC method. Bank Rakyat Indonesia Tbk in 2018-2020. In this research, researchers used several research variables which include Risk Profile (NPL and LDR), Good Corporate Governance (GCG), Earnings (ROA, ROE, NIM, BOPO) and Capital (CAR). Based on research on the effectiveness of assessing the level of banking health at PT. Bank Rakyat Indonesia Tbk, using the RGEC method, shows that the bank's health status is in accordance with the standards set by Bank Indonesia regulations. For the 2018 period it can be concluded that PT. Bank Rakyat Indonesia Tbk received a composite rating of 1, namely "Very Healthy" with a composite score of 90%, for the 2019 period it can be concluded that PT. Bank Rakyat Indonesia Tbk received a composite rating of 1, namely "Very Healthy" with a composite score of 92.5%, for the 2020 period it can be concluded that PT. Bank Rakyat Indonesia Tbk received a composite rating of 1, namely "Very Healthy" with a composite score of 90%. As well as the bank's health level in terms of Risk Profile, Good Corporate Governance, earnings and Capital indicators at PT. Bank Rakyat Indonesia Tbk for 2018-2020 is "Very Healthy". It is hoped that future researchers will be more careful in carrying out calculations, can use better methods than this research and can add ratios so that the results of the research are more robust.

Analisis Laporan Keuangan untuk Menilai Kinerja Keuangan Sebelum dan Sesudah Pandemi pada Perusahaan Sektor Perbankan yang Terdaftar di Bursa Efek Indonesia

The aim of this research is to find out how the financial performance of four banking companies listed on the Indonesia Stock Exchange was before and after the Covid 19 virus pandemic. The type of data used in this research is secondary data, namely research data sources obtained and collected by researchers indirectly, but with other parties. The data collection technique in this research is documentation technique. In this research, researchers used the paired samples T-Test as a tool to hypothesize in this research. Based on the results of the T-Test samples, the financial performance of PT Bank Rakyat Indonesia Tbk. Based on the liquidity ratio through current calculations and the quick ratio experienced a significant decrease. The financial performance of PT Bank Rakyat Indonesia Tbk based on the solvency ratio through calculating the debt to asset ratio and debt to equity ratio has increased significantly. The financial performance of PT Bank Rakyat Indonesia Tbk based on the activity ratio through calculating total asset turnover experienced a significant increase. Financial performance of PT Bank Central Asia Tbk. Based on the profitability ratio through the calculation of return on investment, it has decreased significantly and based on the calculation of return on Equity, PT Bank Mandiri Tbk has experienced a significant increase. Keywords: Activity Ratio, Liquidity Ratio, Profitability Ratio, Solvency Ratio.

Does Financial Performance Mediate the Relationship between Corporate Governance and Corporate Value? Evidence from Indonesian Banking Companies

The banking sector has the potential to progress and grow sustainably. This is reflected in the increase in the value of distributed funds and the value of commercial bank assets. However, this increase was not in line with the increase in company value. Therefore, companies must be able to optimize their resources to increase corporate value. This study aims to analyze and explain the factors that can affect corporate value. The variables used in this research are corporate governance as an independent variable, financial performance as a mediating variable, and corporate value as a dependent variable. The type of research used is explanatory research with a quantitative approach. The samples for this research were Bank Rakyat Indonesia (BBRI), Bank Mandiri (BMRI), Bank Negara Indonesia (BBNI), and Bank Tabungan Negara (BBTN). The data analysis was done using descriptive statistical analysis and partial least squares (PLS) analysis which is processed using SmartPLS software. The results of this research indicate that corporate governance has a negative and insignificant effect on corporate value. Furthermore, corporate governance variables also had a negative and insignificant effect on financial performance. Apart from that the results also show that the financial performance variable is not able to mediate the relationship between corporate governance and corporate value significantly. The practical implication of this research was to encourage banking management in Indonesia to implement good corporate governance as it can boost financial performance.
 Keywords: banking, corporate governance, corporate value, financial performance

The Influence of Discipline, Work Environment, and Organizational Commitment on Employee Performance through Motivation in PT. Bank People Indonesia Tbk Makassar City Region

Purpose: The objectives of this research are: (1) to partially analyze the influence of discipline, work environment, and organizational commitment on motivation at PT. Bank Rakyat Indonesia Tbk Makassar City Region. (2) to partially analyze the influence of discipline, work environment, and organizational commitment on employee performance at PT. Bank Rakyat Indonesia Tbk Makassar City Region. (3) to analyze the influence of motivation on employee performance at PT. Bank Rakyat Indonesia Tbk Makassar City Region. (4) to partially analyze the influence of discipline, work environment, and organizational commitment on employee performance through motivation at PT. Bank Rakyat Indonesia Tbk Makassar City Region. Methods: The sampling method uses proportionate stratified random sampling and purposive sampling. The data collection method uses a questionnaire. The analysis method uses the Structural Equation Model (SEM). Results and discussion: The research results prove that: (1) Discipline, work environment, and organizational commitment partially have a positive and significant effect on motivation at PT. Bank Rakyat Indonesia Tbk Makassar City Region. (2) Discipline and organizational commitment partially have a positive and significant effect on employee performance at PT. Bank Rakyat Indonesia Tbk Makassar City Region. (3) The work environment has a positive and insignificant effect on employee performance at PT. Bank Rakyat Indonesia Tbk Makassar City Region. (3) Motivation has a positive and significant effect on employee performance at PT. Bank Rakyat Indonesia Tbk Makassar City Region. (4) Discipline and organizational commitment partially have a positive and significant effect on employee performance through motivation at PT. Bank Rakyat Indonesia Tbk Makassar City Region. (5) (4) The work environment has a positive and insignificant effect on employee performance through motivation at PT. Bank Rakyat Indonesia Tbk Makassar City Region.

Pengaruh Gaya Kepemimpinan Transformasional, Motivasi Intrinsik dan Motivasi Ekstrinsik terhadap Kinerja Karyawan PT Bank Rakyat Indonesia (Persero) KC Kendal

This study aims to find out and analyze the extent to which transformational leadership style variables, intrinsic motivation and extrinsic motivation affect employee performance. This research object is PT Bank Rakyat Indonesia (Persero) KC Kendal with a sample of 100 permanent employees. Sample selection using saturated sampling. The method used is a quantitative method by collecting data using a questionnaire and distributed by gform with a likert scale as a measurement tool. The types of data used are primary data and secondary data. Data processing and testing using the SPSS version 26 program. The instrument tests used are validity tests and reliability tests. The analysis techniques used include multiple linear regression analysis, f tests, coefficients of determination, and hypothesis tests (tests). The findings in this study show that Transformational leadership style and intrinsic motivation have a positive and significant effect on employee performance. In addition, extrinsic motivation also plays a role in influencing employee performance.

Feature selection using non-parametric correlations and important features on recursive feature elimination for stock price prediction

Stock price prediction using machine learning is a rapidly growing area of research. However, the large number of features that can be used can complicate the learning process. The feature selection method that can be used to overcome this problem is recursive feature elimination. Standard recursive feature elimination carries the risk of producing inaccurate algorithms because the top-ranked features are not necessarily the most important features. This research proposes a feature selection method that combines important features and nonparametric correlation in recursive feature elimination for stock price prediction. The data features used are technical indicators and stock price history. The recursive feature elimination method is modified with important features and nonparametric correlation features. The strategy for combining important features and non-parametric features is average weight, 25:75% weight, 75:25% weight, maximum weight, and minimum weight. The performance evaluation results show that the proposed feature selection method succeeded in obtaining small error values. The proposed method for predicting PT Bank Rakyat Indonesia Tbk (BBRI) stock prices obtains mean squared error, root mean square error, mean absolute error, and mean absolute percentage error evaluation values of 0.0000336, 0.00577, 0.00459, and 1.78%, respectively. This shows that recursive feature elimination with feature selection that combines important features and non-parametric correlation works better than the original recursive feature elimination at predicting stock prices.

Comparison Of Capital Structure, Profitability, And Third-Party Funds (DPK) Between Bank Bri And Bank Syariah Indonesia: A Comparative Analysis

The banking sector plays a crucial role in the Indonesian economy, becoming the backbone that supports the country's economic growth and stability. In this dynamic landscape, two financial institutions stand out, namely Bank Rakyat Indonesia (BRI) as a representative of conventional banks, and Bank Syariah Indonesia (BSI) which is committed to Islamic financial principles. The purpose of this study is to determine the comparison of capital structure, profitability, and third party funds (DPK) between BRI banks and Indonesian Islamic banks. This research method uses the Mixed Methods Comparative method, this approach involves the collection and analysis of quantitative and qualitative data separately and at the same stage. The results of this study show that  the comparative analysis between Bank BRI and Bank Syariah Indonesia (BSI) highlights the different dynamics in the capital structure, profitability, and deposits of both. BRI, with its conventional approach, demonstrates flexibility and excellence in diversifying financial resources. On the other hand, BSI, as an Islamic bank, provides evidence that Islamic principles can provide profitability and a sustainable financial foundation. These results provide a better understanding of each bank's role in meeting the needs of society, both in terms of financial services and business ethics principles. Stakeholders, including regulators, investors, and the general public, can use the results of this analysis to make informed decisions and support the sustainable growth of the banking sector in Indonesia.TRANSLATE with x EnglishArabicHebrewPolishBulgarianHindiPortugueseCatalanHmong DawRomanianChinese SimplifiedHungarianRussianChinese TraditionalIndonesianSlovakCzechItalianSlovenianDanishJapaneseSpanishDutchKlingonSwedishEnglishKoreanThaiEstonianLatvianTurkishFinnishLithuanianUkrainianFrenchMalayUrduGermanMalteseVietnameseGreekNorwegianWelshHaitian CreolePersian //  TRANSLATE with COPY THE URL BELOW Back EMBED THE SNIPPET BELOW IN YOUR SITE Enable collaborative features and customize widget: Bing Webmaster PortalBack//

Analysis of BRI UNAS Unit Customer Satisfaction in Using Brimo to Improve Service Quality (National University Student Study)

This research adopts a qualitative approach to analyze the satisfaction of Bank Rakyat Indonesia (BRI) National University Unit (UNAS) customers in using BRImo digital banking services, with a focus on National University students. The research method involves observing students as the main data collection instrument. This research aims to gain in-depth insight into customer perceptions and experiences regarding the use of BRImo and to identify the factors that influence their satisfaction. The qualitative data collected was then analyzed using a descriptive approach, paying attention to general patterns and interesting findings that emerged from student responses. The research results show that factors such as ease of use, transaction speed, security, and availability of additional features have a significant impact on customer satisfaction. Apart from that, qualitative aspects such as interaction experiences with the application and perceptions of service quality also shape positive or negative views of BRImo

The Effect of Job Insecurity, Work Stress and Self Efficacy on the Performance of Employees of Pt. Bank Rakyat Indonesia Bajawa Branch Office, Flores Ntt

The Effect of Job Insecurity, Work Stress and Self Efficacy on the Performance of Employees of Pt. Bank Rakyat Indonesia Bajawa Branch Office, Flores Ntt