Bank Sulselbar Research Articles

Examining Customer Loyalty in Using Gold Pawn Products at PT. Bank Sulselbar Syariah Palopo

This research aims to examine customer loyalty in using gold pawning products at PT Bank Sulselbar Syariah Palopo. This research uses qualitative research methods with close descriptive analysis. The research obtained data through questionnaires, interviews and direct observation with customers who used the Islamic gold pawn (rahn) product of Bank Sulselbar Syariah Palopo as the research location and conducted interviews with customers, and the Head of Bank Sulselbar Syariah Palopo who was considered to continue to provide the information needed by researchers. The research results reveal that customer loyalty in using gold pawn products (rahn) at Bank Sulselbar Syariah Palopo is very high because they make regular repeat purchases, buy between product and service lines, refer to others, show immunity to the pull of competitors, performance, price , and ease of obtaining. There are factors that influence customers in using Bank Sulselbar Syariah Palopo's gold pawn (rahn) products, namely service, promotional, economic and religious factors.

Women's Leadership And Banking Productivity: Mediating Role Of Artificial Intelligence

This study aims to analyze the influence of women's leadership on banking productivity with artificial intelligence (AI) as a mediator. This study involved 90 employees of Bank SulSelBar Makassar, where the entire population was sampled (saturated sample). The method used is quantitative, using primary data collected through questionnaires. The data analysis technique used structural equation modeling (SEM) to evaluate the relationship between variables with the help of SmartPLS software version 3.0. The study results indicate that women's leadership positively affects banking productivity and the implementation of AI. However, the implementation of AI itself does not affect banking productivity. AI cannot mediate the influence of women's leadership on banking productivity. This study advises banks to continue supporting inclusive women's leadership and adopt advanced technology to increase productivity. Theoretically, this study does not support the assumption that technology such as AI will automatically increase productivity without considering the context of leadership. The application of AI needs to be carried out optimally by considering the technology's suitability for banking needs.

The Influence of Promotions and Interest Rates on ASN Customer Decisions in Taking Consumer Credit PT Bank Sulselbar Cabang Parepare

This research aims to find out whether promotions and interest rates have a partial and simultaneous effect on ASN customers' decisions in taking consumer credit at PT. Bank Sulselbar Parepare Branch. Multiple linear regression is the analytical technique employed, along with partial and simultaneous tests for validity, reliability, and hypothesis testing. The study's findings indicate that promotion (X1) has a somewhat substantial impact on ASN customers' decisions in taking consumer credit at PT. Bank Sulselbar Parepare Branch, this is shown based on the calculated promotional t value of 4.431 > t table 1.967 with a significance value of 0.000 < 0.05, the interest rate (X2) has a positive and partially significant effect on ASN customers' decisions in taking consumer credit at PT. Bank Sulselbar Parepare Branch, this is shown by the calculated t value of 13.627 > t table 1.967 with a significance value of 0.000 < 0.05. All Pearson correlation or calculated r values ​​from statements related to promotions and interest rates have an r table value greater than 0.107, so all instruments are declared valid. Simultaneously promotions and interest rates influence ASN customers' decisions in taking consumer credit at PT. Bank Sulselbar Parepare Branch, this is shown based on the calculated F value of 5,035.590 > F table 3.023, with a significance level of 0.000 < 0.05.

THE INFLUENCE OF DIGITAL BANKING, SERVICE QUALITY, AND CUSTOMER SATISFACTION ON CUSTOMER LOYALTY OF PT. BANK SULSELBAR MAKASSAR MAIN BRANCH

Advances in banking technology provide convenience for customers through operational services in the form of Digital banking, which enables customers to conduct banking transactions via smartphones and other media. This study aimed to determine the effect of digital banking, service quality, and customer satisfaction on customer loyalty at PT. Bank Sulselbar Makassar Main Branch. This study uses a quantitative approach through the equation (Structural Equation Model/SEM) with Confirmatory Factor Analysis (CFA). Data was collected by distributing questionnaires to 375 customers using a two-stage random sampling technique. The data that has been collected is analyzed using AMOS 25.0.

Pengaruh Bauran Pemasaran Jasa Terhadap Loyalitas Nasabah Pada PT Bank SulSel-Bar Cabang Utama Makassar

This study aims 1) to find out how to determine customer loyalty at PT bank Sulsel-bar Makassar main branch through the service marketing mix. The type of research used in this research is quantitative with a sample of 84 respondents. Data collection techniques using questionnaire techniques. The data analysis technique uses the classic assumption test. The results showed 1) Products have a positive and significant effect on customer loyalty at PT. Bank Sulsel-Bar Makassar Main Branch means that the better the product at PT bank Sulsel bar Makassar main branch, the customer loyalty will increase. 2) Price has a positive and significant effect on customer loyalty at PT. Bank Sulsel-Bar Makassar Main Branch the better the price at PT Bank Sulsel-bar Makassar main branch, the customer loyalty is increasing. 3) Promotion has a positive and significant effect on customer loyalty at PT. Bank Sulsel-Bar Makassar Main Branch the better the promotion at PT Bank Sulsel-bar Makassar main branch, the customer loyalty increases. 4) Place has a positive and significant effect on customer loyalty at PT. Bank Sulsel-Bar Makassar Main Branch the better the place at PT Bank Sulsel-bar Makassar main branch the customer loyalty also increases 5) People have a positive and significant effect on customer loyalty at PT. Bank Sulsel-Bar Makassar Main Branch the better the people at PT Bank Sulselbar Makassar Main branch the customer loyalty also increases 6) The Physical Environment has a positive and significant effect on customer loyalty at PT. Bank Sulsel-Bar Makassar Main Branch means that the better the physical environment at PT Bank Sulsel-bar Makassar main branch, the customer loyalty also increases 7) The process has a positive and significant effect on customer loyalty at PT. Bank Sulsel-Bar Makassar Main Branch means that the better the process at PT Bank Sulsel-bar Makassar main branch, the customer loyalty will also increase.

Effect of job appraisal and job training 0n employee performance at PT. Bank Sulselbar Luwu

Purpose: This study aims to determine the effect of job appraisal and job training on the performance of employees of PT. Bank SulSelBar Luwu.
 Research methodology: The research method used is a quantitative research with a descriptive approach. The population in this study were all employees who worked at PT. Bank SulSelBar Luwu. The number of samples in this study amounted to 35 people. The data analysis technique used is descriptive statistical test, classical assumption test and multiple regression analysis.
 Results: The result of the research shows that: 1. Job appraisal has a positive and significant effect on employee performance PT. Bank SulSelBar Luwu, 2. Job training has a positive and significant effect on employee performance PT. Bank SulSelBar Luwu. 3. The results of the F test indicate that the job appraisal and training simultaneously (together) have a positive and significant effect on employee performance PT. Bank SulSelBar Luwu.
 Contribution: This research contributes a job appraisal and training have a contribution or influence on employee performance variables by 61.90%, while the remaining 38.10% is influenced by other variables not examined in this study.

ANALISIS SISTEM PENGADAAN, PENGEMBANGAN DAN PENGENDALIAN INTERN SISTEM INFORMASI AKUNTANSI PADA PT. BANK SULSELBAR CABANG BULUKUMBA

The purpose of this study was to determine the Analysis Of The Procurement System,Development And Internal Control Of The Accounting Information System At PT. BankSulselbar Cabang Bulukumba. So that this research will provide results about howthe Sulselbar bank is doing to get the accounting information system, and how the development of the system it has used, and how to control the information bneeded, and have the right and relevant value.In this study using a qualitative approach. Where researchers directly observe. The object under study which will then describe, describe and explain the procuremen, development, and internal control of the accounting information system at Pt.Bank Sulselbar bulukumba branch. Furthermore, the data collection methods used are documentation, interviews, and library reviews.The results show that the system for procurement, development and internal control ofaccounting information systems at PT. Bank Sulselbar Cabang Bulukumba Branch, is still fully implemented at the head off office. Information systems are obtained by renting a system from a system developer which is then developed using the SLDC (System Development life Cycle) method.

Pengaruh Hubungan, Emphaty, Nilai Dan Kepercayaan Terhadap Kepuasan Nasabah Pada Pt. Bank Sulselbar Cabang Utama Makassar

Customer satisfaction is the level of a person's emotional state that is the result of a comparison between the performance appraisal/final product in relation to customer expectations and they can convey what and how their needs are. This study aims to examine and analyze the effect partially or simultaneously between relationships, emphaty, values and trust on customer satisfaction.
 Data collection using primary data obtained from customers at PT. Bank Sulselbar Makassar Main Branch where sampling uses the slovin formula where after doing calculations using the slovin formula sets a sample of 100 respondents. The results of the questionnaire have been tested for validity and reliability, as well as classical assumptions in the form of Normality, Multicolonerity Assumption, and Heteroscedasticity. The data analysis method uses multiple linear regression analysis assisted by the SPSS 23 program (Statistical Program For Social Science).
 The results showed that both partially and simultaneously relationships, emphaty, values and beliefs had a positive and significant effect on customer satisfaction so that all hypotheses proposed were accepted

Profitability Ratio Analysis to Measure Financial Performance at PT. Bank Sulselbar Makassar Main Branch

Financial performance plays an important role as a description of the company's ability to manage existing resources. Profitability ratios can be used as a tool to measure the company's financial performance in determining the company's efficiency in managing assets to obtain the maximum level of profit. This study aims to determine the financial performance of PT Bank Sulselbar Makassar Main Branch in the 2018-2022 period. The variables of this study are profitability ratios and financial performance. The population and sample of this study were financial statements in the form of balance sheets and profit and loss from PT Bank Sulselbar Makassar Main Branch in 2018-2022. Data collection was carried out using documentation techniques. Data analysis was carried out using profitability ratios with the two pont system approach. The results of this study indicate that the ROA ratio level of PT Bank Sulselbar Makassar Main Branch for the period 2018-2022 is classified as very healthy and the ROE ratio level of PT Bank Sulselbar Makassar Main Branch for the period 2018-2022 is classified as healthy. This is influenced by fluctuations in net income.

Realization of Subsidized Housing Financing on Sharia Services

The research location is at Bank Sulselbar Parepare Branch which has a sharia service unit including subsidized housing finance services. Especially in financing. This research focuses on the contracts used in its implementation. In addition, it will also focus on financing mechanisms for subsidized housing ownership in sharia services. Similar to conventional banks that make pawning a banking product, Islamic banks also issue similar products. The presence of sharia products is certainly a relief for some people who care about religious law which prohibits the use of usury in every transaction. In this study, we will discuss the contracts and financing mechanisms for subsidized sharia official housing. The results of the study show that the contract used in the subsidized housing financing mechanism at Bank Sulselbar Syariah Services Parepare Branch is murabahah financing, namely buying and selling based on Islamic bank financial institutions and is applied in consumptive financing and real financing.

ANALISIS KESESUAIAN PENEMPATAN DAN GAYA KEPEMIMPINAN TRANSAKSIONAL TERHADAP KINERJA PEGAWAI MELALUI KOMITMEN ORGANISASI PADA PT. BANK SULSELBAR MAKASSAR

The purpose of this study was to determine and analyze the effect of suitability for job placement and transactional leadership style on organizational commitment and employee performance, to determine and analyze the effect of organizational commitment on employee performance, to determine and analyze the effect of suitability for job placement and transactional leadership style on employee performance through organizational commitment to PT. Bank Sulselbar Makassar. The data analysis technique used is descriptive analysis and path analysis. The results showed that work placement had a positive and significant effect on organizational commitment, leadership style had a positive and significant effect on organizational commitment. Work placement has a positive and significant effect on employee performance, leadership style has a positive and significant effect on employee performance, organizational commitment has a positive and significant effect on employee performance. Organizational commitment can mediate the effect of work placement and leadership style on employee performance at PT. Bank Sulselbar Makassar

Efficiency Analysis of Sharia Regional Development Banks in Indonesia Using Two-Stages Data Envelopment Analysis

The main objective of this study is to evaluate the efficiency level of Sharia Regional Development Banks between 2014 and 2017 using the Data Envelopment Analysis (DEA) method. The efficiency analysis results indicate that the efficiency level of Sharia Regional Development Banks during the study period from 2014 to 2017 was quite fluctuating. In 2014, five Sharia Regional Development Banks showed inefficiency, namely Bank DIY Syariah, Bank Jateng Syariah, Bank Jatim Syariah, Bank Kalsel Syariah, and Bank NTB Syariah. In 2015, four Sharia Regional Development Banks showed inefficiency, namely Bank Jateng Syariah, Bank Jatim Syariah, Bank Kaltimtara Syariah, and Bank NTB Syariah. In 2016, five Sharia Regional Development Banks showed inefficiency, namely Bank Jateng Syariah, Bank Sulselbar Syariah, Bank Kaltimtara Syariah, Bank NTB Syariah, and Bank Jatim Syariah. However, in 2017, only two Sharia Regional Development Banks showed inefficiency, namely Bank Jatim Syariah and Bank Kaltimtara Syariah.

Analysis Financial Performance Using the Camel Method at PT. Bank Sulselbar Period 2015-2021

This study aims to determine the financial performance of PT. Bank Sulselbar from 2015 to 2021 using the CAMEL method, to see if PT. Bank Sulselbar is in a healthy or unhealthy predicate. This type of research is a quantitative descriptive research. The sample used in this study is the financial statements of PT. Bank Sulselbar for the 2015-2021 period. Data collection used documentation techniques. The data analysis used is the CAMEL analysis set by Bank Indonesia. The results of this study indicate that the health level of PT. Bank Sulselbar for the 2015 to 2021 period is in the healthy predicate. This can be seen from the results of research on the CAMEL aspect for the last 7 years 2015-2021 consecutively for 2015 it was 71.62, in 2016 it was 77.28, in 2017 it was 70.66, in 2018 it was 70.90, in 2018 it was 70.90. In 2019 it was 69.70, in 2020 it was 69.53, and in 2021 it was 69.87. Based on the provisions of Bank Indonesia regarding the criteria for assessing the soundness of a bank, PT. Bank Sulselbar is in the interval 66-<81 with the Healthy Enough predicate for 2015-2021.

The Effect of Non Performing Loan (NPL) and Loan to Deposit Ratio (LDR) Return on Assets (ROA) in PT. Bank Sulselbar

The purpose of this research is totest and analyze the effect of Non Performing Loans (NPL) and Loan to Deposit Ratio (LDR) on Return On Assets (ROA) at PT. Sulselbar Bank. The techniques for collecting secondary data are obtained from the Financial Data at PT. Sulselbar Bank. The population is the financial statements at PT. Bank Sulselbar from August 2017 to December 2021, and the samples taken are monthly data for 4 (four) years and 5 (five) months. So, the amount of data obtained is 53. The results of the research have been tested on classic assumptions such as the assumption of normality, the assumption of multicollinearity and the assumption of heteroscedasticity. By applying multiple linear regression techniques in the process of analyzing the data. The results showed that partially Non Performing Loans (NPL) had a negative and insignificant effect on Return on Assets (ROA) and Loan To Deposit Ratio (LDR) had a positive and insignificant effect on Return on Assets (ROA). Simultaneously Non Performing Loans (NPL) and Loan to Deposit Ratio (LDR) have a positive effect

QUEUE SYSTEM ANALYSIS IN SERVICE OPTIMIZATION IN PT. BANK SULSELBAR MAIN BRANCH MAKASSAR CITY

PT. Bank Sulselbar is a regionally owned business entity engaged in banking services. Companies in the service sector must be able to provide the best service to meet the wishes of customers who require fast service. As the number of customers increases, there are queuing problems in serving customers, this problem results in many customers waiting for quite a long time. For this reason, this study aims to reduce the length of time waiting for customers to avoid queues that are too long . This research uses queuing theory analysis method with queuing model (M/M/S). The results of this study using queuing theory analysis, namely the model calculation (M/M/S) shows that the busy period occurs in the period 08.00-09.00, and 13.00-14.00 by adding 1 service facility from 6 to 7 customer service, there will be a decrease customer waiting time. The waiting time in the system in the time period of 08.00-09.00 from 25.15 minutes to 10.07 minutes, and the time period of 13.00-14.00 from 19.39 to 9.13 minutes

Work Motivation in Improving the Performance of Bank Sulselbar Employees at the Majene Branch Office, Indonesia

Work Motivation in Improving the Performance of Bank Sulselbar Employees at the Majene Branch Office, Indonesia

Pengaruh Sistem Pengendalian Intern dan Asimetri Informasi terhadap Kecurangan (fraud) Laporan Keuangan pada Kantor Pusat PT Bank Sulselbar Makassar

This research aims to determine whether the system of internal control and fraud information asymmetry affect the financial statements of PT Bank Sulselbar Makassar. Collecting data using primary data obtained from questionnaires using sampling techniques nonprobability (saturated sample). The population is 50 employees, and samples taken 50 respondents. Methods of data analysis using multiple linear regression techniques.The results of this study indicate that the internal control system and significant negative effect, and the information asymmetry influence positively and significantly

Realisasi Pembiayaan Pemilikan Rumah Subsidi berdasarkan Prinsip Perbankan Syariah

Bank Sulselbar is a bank owned by the regional government of South Sulawesi and West Sulawesi. Apart from being part of a BUMN that supports local government programs, it is also a regional autonomy tool that helps the regional economy. One of the missions carried out by Bank Sulselbar is as a Regional Development Bank that can provide support for regional development and support business development. One type of credit that is still in demand and needed by the community is KPR (House Ownership Credit). Mortgages by banks are further divided into two types, namely subsidized mortgages and non-subsidized mortgages. As a financial institution, the role of the Bank in the economy is very dominant. Therefore, this research will focus on: (1) Mechanisms of financing subsidized housing ownership at Bank Sulselbar sharia services Parepare Branch. (2) Islamic economic analysis of the mechanism for financing subsidized housing ownership at Bank Sulselbar sharia services Parepare Branch. In this study, the authors made direct observations of the object to be studied by seeing firsthand how the financing process for the financing mechanism for subsidized housing at the Bank Sulselbar sharia services Parepare Branch and the author will conduct direct interviews with employees of the Parepare Branch Sulselbar Bank. The results of the study show that the mechanism for financing mortgages at Bank Sulselbar Parepare branch is customer determination, analysis stages and the use of contracts which must also be in accordance with syar'i without violating the value of justice. Islamic Economic Analysis of the Mechanism of Financing for Subsidized Home Ownership at the Parepare Branch of Sulselbar Sharia Bank that if based on Q.S Al-Maidah, the murabahah mortgage financing carried out by the Parepare Branch of SulselBar Bank has carried out mutual assistance activities. Mutual assistance activities by helping to realize the customer's desire to be able to own a house even though the income is low

Analysis of Financial Performance Assessment Using the CAMEL Method at the Main Branch of PT Bank SULSELBAR in Makassar City

This study aims to analyze financial performance in terms of the soundness of the bank at the PT. Bank Sulselbar Makassar Main Branch using the CAMEL method. The type of research used is descriptive quantitative. The population in this study is the financial statements of PT Bank Sulselbar Makassar Main Branch from 2016-2021. While the sample in this study is the Financial Statements in the form of a Balance Sheet and Income Statement of PT. Bank Sulselbar Makassar Main Branch 2016 to 2021. Data analysis technique using the CAMEL method (Capital, Asset Quality, Management, Earning, Liquidity)
 The results showed that the calculation of the CAMEL ratio in 2016 was in the Healthy category and for 4 consecutive years in 2017 to 2020 it was in the Fairly Healthy category and in 2021 there was an increase in the Healthy category. Thus it can be concluded that the financial performance of PT. Bank Sulselbar Makassar Main Branch in 2016 – 2021 using the CAMEL method is in the Pretty Healthy predicate for 4 consecutive years in the Fairly Healthy category.

OPTIMALISASI PERAN INTERMEDIASI BANK SYARIAH TERHADAP MASYARAKAT MISKIN (Studi pada Bank Sulselbar Kab.Bone)

This study discusses the Optimization of the Intermediation Role of Islamic Banks Against the Poor (Study at Bank Sulselbar Kab.Bone). The data analysis that was used in this study is a description of the analysis. This research was made because there is still a lack of people involved in financing for the poor at Bank Sulselbar. The research conducted is descriptive qualitative research using field research methods, namely observations and interviews conducted by analyzing data sourced from the research location or place, namely Bank Sulselbar in implementing the intermediation role of Islamic banks for the poor. This research is also a library research.Based on the result of the research that gained is the role of intermediation of Islamic Bank toward the poor in increasing the the life of poor society in Bank SulSelbar is not already exist. This is caused the most of poor society are not able yet to involved into bank system. However, Islamic bank of Islamic sulSelBar keep helping the following poor society to pulfill their needs or to increase their business owned those society, namely those found in the Hasanah Titik Foundation by channeling tabarru funds such as Zakat, Infaq and Shodaqoh and providing a number of microfinance loans to middle and upper class people who have businesses with the aim of increasing the community's business and will also provide job opportunities for the poor the