Bank Sumut Research Articles

Analisis Pengukuran Kinerja Unit Usaha Syariah Bank Sumut Medan dengan Pendekatan Mashlahah Performa

This study aims to assess several aspects of the company's current value chain. Maslahah Performa is a performance measurement created by Achmad Firdaus, where the Maslahah Performa approach uses six measurement orientations used for sharia-based performance assessments that are in line with Islamic principles. This research is included in the descriptive case study category. The technique used in this study is the sharia economic approach which is used to determine whether a financial institution implements performance in accordance with sharia principles which is then complemented by a management approach. This study measures the performance of results and processes that are measured using quantitative data in addition to qualitative data to assess the effectiveness of maslahah owned by a company. Using descriptive statistics as a data analysis method used to examine quantitative data. The performance system with the maslahah performance approach is a spiritual leadership management system that is formulated using the Plan Do Check Action system. The source of this research data is the results of interviews with employees of the Sharia Business Unit of Bank SUMUT Medan. The Sharia Business Unit of Bank Sumut Medan has sufficient performance in the benefit process, indicating that the Sharia Business Unit of Bank Sumut Medan provides adequate benefits. Performance results have sufficient benefits. The limitation of this research is the difficulty of deepening the data. Suggestions for subsequent research can deepen data related to measuring the performance of sharia business units.

THE INFLUENCE OF WORKLOAD AND ADAPTATION ABILITY ON EMPLOYEE PERFORMANCE THROUGH SATISFACTION WORK AT PT. BANK OF SUMUT REGIONAL 1 MEDAN

This study aims to analyze how workload, adaptability and job satisfaction can affect employee performance. The type of research used in this research is quantitative research. The population in this study were employees of PT Bank Sumut Regional 1 Medan with samples taken in this study were 170 respondents. The data used are primary data and secondary data obtained through a list of statements and documentation studies. The data analysis technique uses structural equation modeling (SEM) with the Smart PLS version 3.0 analysis tool. The results of the research directly show that workload has a positive and significant effect on employee performance, adaptability has a positive and significant effect on employee performance, workload has a negative and insignificant effect on job satisfaction, adaptability has a positive and significant effect on job satisfaction, and job satisfaction has a positive and significant effect on employee performance. Then the test is carried out indirectly resulting that the workload has a negative and insignificant effect on employee performance through job satisfaction and adaptability has a positive and significant effect on employee performance through job satisfaction.

PENGARUH KOMPENSASI FINANSIAL DAN NON-FINANSIAL TERHADAP KINERJA KARYAWAN PADA BANK SUMUT KCP SYARIAH SIMPANG KAYU BESAR

The purpose of this research is to know that financial and non-financial compensation have an influence to employee performance in PT. Bank SUMUT KCP Syariah Simpang Kayu Besar with Parsial and Simultan test. This research is using quantitative method with saturated sampling technique. Using parsial Test (t-test), Simultan test (F test) and coefficient of determination test as analysis technique. The first result show that financial compensation has a significant effect to employee performance partially. The second result show t test > t table (2.497 > 2.048) wich means that non-financial compensation has significant effect to employee performance partially. And the third result show that financial and non-financial compensation have an influence on employee performance simultaneously.

Pengaruh Pembiayaan Murabahah Terhadap Laba PT. Bank SUMUT Syariah KCP Stabat Periode Tahun 2020-2022

This study aims to determine the effect of the distribution of murabahah financing on PT. Bank SUMUT Syariah KCP Stabat. The data source for this research was obtained from the financial statements of PT. Bank SUMUT Syariah KCP Statutory period 2020-2022. Processing and in this study using the computer program SPSS and Microsoft Office Excel. Data analysis in this study used descriptive statistics, classical assumption tests, hypothesis testing, and simple linear regression analysis. Based on this test it is explained that there is a significant influence between murabaha financing on PT. Bank SUMUT Syariah KCP Stabat for the 2020-2022 period, this is proven through a hypothesis test, namely the t test which shows a significance value of less than 0.05 or (0.000 <0.05) and tcount > ttable (4.228 > 2.03224) then there is no effect of variable X on variable Y. Murabaha financing distributed affects the profit earned by PT. Bank SUMUT Syariah KCP Stabat is 32.5% while the remaining 67.5% is influenced by other variables such as financing that receives fee-based income, service income, non-performing financing, the amount of bank capital, and so on. There is a positive or parallel relationship between murabahah financing and PT. Bank SUMUT Syariah KCP Stabat. The more murabahah financing that is channeled, the profit earned by PT. Bank SUMUT Syariah KCP Stabat will also increase, and vice versa if the murabahah financing distributed decreases, the profit earned by PT. Bank SUMUT Syariah KCP Stabat will also decrease.

Analysis of Implementation of Margins with Flat Installments in Murabahah Financing on Products iB PMG Motor Vehicles in the Bank of Sumut Sharia KCP HM Yamin

This study aims to determine the mechanism for implementing margins with flat installments in murabahah contracts and the factors that influence them on motor vehicles ib PMG products at Bank Sumut Syariah KCP HM Yamin. This study uses a descriptive qualitative approach with primary and secondary data sources. This study used data collection techniques by interviewing. The results of the research are that the mechanism for implementing margins on flat installments on murabahah contracts for iB PMG Motorized Vehicle products at Bank Sumut Syariah begins with the analysis of the treasure division by considering various costs and all that affect the financial value of Bank Sumut Syariah which is then discussed together with the DPS of the Bank. Sumut Syariah will then be presented at a joint meeting with Bank Sumut Syariah officials to agree on the provisions that have been analyzed and proposed by the treasure division. The size of Bank Sumut Syariah's margin is influenced by cost factors related to Overhead Costs, Profit Sharing of Third Party Funds (DPK), and Volume of Murabahah Financing. This study aims to determine the mechanism for implementing margins with flat installments in murabahah contracts and the factors that influence them on motor vehicles ib PMG products at Bank Sumut Syariah KCP HM Yamin. This study uses a descriptive qualitative approach with primary and secondary data sources. This study used data collection techniques by interviewing.

Analysis of Economic Value Added (EVA) and Market Value Added (MVA) in Assessing the Performance of Sharia Financial Institutions (Case Study at PT Bank Sumut Syariah Tbk)

Financial performance is the result or achievement achieved by the company in a certain period which describes the level of the soundness of the company to assist investors or potential investors in making decisions. Assessment of the company's financial performance using the EVA and MVA methods describes the optimal level of return on wealth for the company and investors. The purpose of this research is to measure the financial performance of PT. Bank Sumut Syariah uses the EVA and MVA methods, to determine the amount of economic added value creation and wealth creation that has been generated by the company for creditors and shareholders. This research was conducted at PT. Bank Sumut Syariah for the 2017-2021 period in period studied, Bank Sumut Syariah experienced an increase and decrease in its operational and finances seen from its annual financial reports. Based on the results of the analysis of the value of financial performance using the EVA method, PT. Bank Sumut Syariah has succeeded in creating a positive EVA value for the company every year. Rp. 623,456 (in millions of rupiah) in 2017, Rp. 496,207 (in millions of rupiah) in 2018 experienced a decrease in EVA value from the previous year, Rp. 537,199 (in millions of rupiah) in 2019 the EVA value again increased, in 2020 Bank Sumut Syariah experienced a decrease in the positive EVA value of Rp. 506,628, in 2021 Bank Sumut Syariah has again succeeded in increasing the positive EVA value of IDR 608,185. Management has succeeded in meeting the expectations of both creditors and shareholders.

Pentahelix Business Collaborations to Increase MSMEs' Post-pandemic Performance

Indonesia, in early 2020, experienced a major impact on the decline in the national economy, including the MSME sector due to the COVID-19 pandemic. This study aimed to determine the obstacles faced by 21 MSMEs during the COVID-19 pandemic and to find out whether pentahelix collaborations had been implemented by the 21 MSMEs in the Medan Labuhan District as an effort to overcome the business constraints faced and to improve the MSMEs’ performance in the context of economic recovery after the COVID-19 pandemic. Business collaborations carried out in MSME recovery programs are often referred to as the pentahelix model. The pentahelix model involves five stakeholders, namely, academics, businesses, communities, governments, and the media. The pentahelix model is a socio-economic development model involving collaborations and partnerships between five different roles. Using a descriptive method with a qualitative approach, this study was conducted on 21 MSMEs engaged in traditional snack and handicraft businesses in Medan Labuhan District as research objects. Data were collected using interviews and observations. Several obstacles were faced by MSMEs in Medan Labuhan district during the COVID-19 pandemic. Fifteen MSMEs experienced marketing-related problems, two had capital-related problems, and four had decreased-sales-related problems. Additionally, 17 MSMEs were found to have implemented pentahelix collaborations involving academics (Universitas Sumatera Utara, Universitas Muhammadiyah Sumatera Utara, Universitas Islam Sumatera Utara, and Universitas Harapan Medan), the government (Medan Labuhan District Government, Medan City Government, and the Office of Cooperatives and MSMEs of Medan City), businesses (Bank Sumut and BRI), communities (independent women’s SMEs, Family Welfare Empowerment Program, and Family Hope Program), and the media (Facebook, WhatsApp, and Instagram). MSMEs in Medan Labuhan District were suggested to optimize business collaborations under the pentahelix model in order to overcome the obstacles posed by the COVID-19 pandemic. In addition, each stakeholder in the pentahelix model should strengthen synergy and focus attention on the use of social media to help those MSMEs market their products. Finally, banks are advised to help those MSMEs overcome the capital constraints.
 Keywords: business collaborations, Pentahelix, Social Media, MSME performance.

THE INFLUENCE OF TRAINING AND WORK MOTIVATION ON EMPLOYEE PERFORMANCE AT PT. BANK SUMUT SYARIAH SUB-BRANCH KARYA MEDAN

This study aims to analyze the effects of training and work motivation on employee performance at PT Bank SUMUT Syariah Sub-Branch Karya Medan. The research method used is quantitative research with an associative approach. The population of this study consisted of 35 employees from PT Bank SUMUT Syariah Sub-Branch Karya Medan. Sampling was conducted using a saturated sample model. Data collection involved the use of primary data obtained through questionnaire distribution, as well as secondary data obtained through literature review. The results of the research indicate that the training variable has an insignificant effect, while motivation has a significant effect on employee performance. Both training and work motivation variables collectively influence employee performance, as evidenced by a strong relationship with an R value of 0.88 or 88%. The Adjusted R Square value reveals that the training and work motivation variables explain 63.1% of the performance variable, while the remaining percentage is influenced by other unexplained variables.

Mekanisme Restrukturisasi Dalam Penyelesaian Pembiayaan Murabahah Bermasalah Pada Bank Sumut Syariah KC Medan Katamso

The purpose of this study is to understand the restructuring mechanism in solving problematic murabahah financing at Bank Sumut Syariah KC Medan Katamso. This research uses descriptive qualitative method. The source of the data obtained and used in this study was obtained directly at the research location at PT Bank Sumut Syariah KC Medan Katamso. This study uses primary data. In addition, in this study, raw data was also collected in the form of secondary data, such as evidence, documents or historical reports, documents, archives, whether published or not. The data collection that the writer did was through observation, interviews and document studies. Observations were made through direct observation at PT Bank Sumut Syariah KC Medan Katamso. Interviews were addressed directly to the Business or Marketing division of PT. Bank Sumut Syariah KC Medan Katamso according to the information needs by answering the questions raised by the author. Document research conducted by the author is in the form of written data or other documents needed by the author. After doing the research, it can be concluded that the North Sumatra Sharia KC Medan Katamso Bank in implementing the restructuring mechanism there are principles that must be followed in resolving problem financing contained in Bank Indonesia Regulations and can be said to be good. The principles applied by Bank Sumut Syariah KC Medan Katamso are in accordance with Bank Indonesia Regulation No. 13/9/PBI/2011 concerning amendments to Bank Indonesia Regulation Number 10/1/PBI/2008 concerning Financing Restructuring for Sharia Banks and UUS. Namely, rescheduling, reconditioning, and restructuring.

STRATEGI PENANGANAN PEMBIAYAAN YANG BERMASALAH TERHADAP PT. BANK SUMUT SYARI�AH CABANG MEDAN KATAMSO)

The current research is focused on what are the triggers that lead to problematic financing as well as solutions from banks to these customer problems at PT. Bank Sumut Syariah Medan Katamso Branch Office. The method used is descriptive qualitative. Where the researchers carried out this method by collecting information through question and answer sessions from resource persons, research and also data studies. Researchers found lots of lists of problematic financing customers at PT. Bank Sumut Syariah Medan Katamso Branch. This problematic financing itself means a situation where the debtor cannot or is able to meet his needs for Islamic financial institutions or in short, it can be said that the customer is unable to pay installments to the bank. The results obtained are the main cause of this problematic financing, namely because the customer is no longer able to fulfill his responsibilities to the bank, besides that it is also the character of the customer who is of course deliberately not paying the arrears that occur. So the steps taken by the bank if the customer still has good faith are reschedule, restructuring, reconditioning. However, if there is nothing more to be expected from the customer, then what is done is confiscation, emptying, and then auctioning. This is the last key done by the bank so as not to suffer losses.

Mekanisme Dan Keuntungan Tabungan Prioritas yang Ditawarkan PT Bank Sumut Syariah

This research aims to find out how the mechanism and benefits savings priority offered PT Bank Syariah Bringjend Ktamso. The method used in this research is to use a qualitative approach with a descriptive method. Through the descriptive method, data is collected, organized, divided, analyzed, then disintegrated so that a clear picture and direction of the problem is explained. Location of research on PT. Bank Sumut Syariah KCP Bringjend Katamso. The technique used in this research is by way of direct interview with the Bank's employees, who are in charge of Customer Service, Operational, and Documentation. As for kendala to be the customer priority of PT. Bank Sumut Syariah KCP Kisaran is the requirements set forth in order to provide cash minimum Rp. 200 juta.And not many people in that area know what are the benefits they get by becoming priority customers of PT. The Bank Sumut Syariah.

ANALYSIS OF THE EFFECTIVENESS OF MARKETING COMMUNICATIONS MULTIPURPOSE CREDIT PRODUCT PURCHASE DECISION THROUGH BRAND IMAGE AT PT.BANK SUMUT MEDAN MELATI BRANCH

Intense competition makes it increasingly difficult for banks to increase the number of customers in their efforts to maintain and increase their market share. So the banks have to work hard to stay competitive,namely through improving customer marketing communications and strengthening brand image. The aims of the research are, 1) To analyze the influence of marketing communications on purchasing decisions for Multipurpose Credit products at PT Bank Sumut Melati Medan Branch, 2) To analyze marketing communications affect the brand image of Multipurpose Credit products at PT Bank Sumut Melati Branch Medan. To analyze the influence of brand image on the decision to purchase Multipurpose Loan products at PT Bank Sumut Melati Medan Branch, 3) To analyze marketing communications affect the purchasing decision of Multipurpose Loan products through brand image at PT Bank Sumut Melati Medan Branch. This research is a descriptive type research with a quantitative approach. The population in this study is 64 people who use Multipurpose Credit products in 2020. Because the population size is very limited, this study did not use a sample, directly observing the population. Based on the hypothesis that has been formulated, all data is processed using the SEM-PLS analysis technique using SmartPLS 3.0 software. Based on the results of the test, it was found that marketing communication variables and brand image have a significant effect on purchasing decisions.

The Effect of Product and Service Quality on Customer Satisfaction Loyalty Priority Savings Bank Sumut Syariah

Customers are expected to remain loyal to the service provider because of the quality of the products and services. However, it's not easy to make customers happy. The goal of this study was to find out how Bank Sumut Syariah's priority savings and product quality affect customer loyalty and satisfaction. A qualitative research method is utilized in this study. The subjects of the study were Bank Sumut Syariah customers who fell into the priority category and had met the requirements. The literature review method was used for this study's data collection. Descriptive qualitative data analysis was used for the data analysis. Customer satisfaction, loyalty, and priority savings at Bank Sumut Syariah are positively correlated with product and service quality, according to the findings of this research.

Analisis Penyaluran Dana CSR pada PT Bank Sumut

Companies that benefit from the business they run should not think about themselves, companies must also think about the community and the surrounding environment to provide a form of social responsibility or Corporate Social Responsibility (CSR). One of the regional owned enterprises (BUMD) of North Sumatra, namely: PT. Bank Sumut which holds a Corporate Social Responsibility program regularly every year with funds from CSR programs distributed to several sectors, such as the education, health, social and economic sectors. This research is qualitative in nature, to collect data and information obtained in this study is primary data collected from interviews at PT. Bank of North Sumatra, as well as secondary data collected from the annual report site at Bank of North Sumatra. Related data were analyzed using descriptive method. Data collection techniques were analyzed using interviews and questionnaires from the Head of CSR. The results showed that the process of channeling CSR funds for the Bank of North Sumatra was carried out by submitting CSR proposals which were funding in nature, namely funding for programs that had been submitted to the North Sumatra bank as programs that would be funded with CSR. government work forum teams as well as those directly submitted to the North Sumatra bank will then be analyzed and reviewed by the company. After the CSR funds are handed over to the beneficiaries, the program can be directly run in accordance with the activities that have been proposed in the previous work budget proposal and costs. And accountability reports by beneficiaries and re-verified by the North Sumatra Bank CSR team.
 Keywords: CSR (Corporate Social Responsibility), Bank of North Sumatra

The Influence of Workload, Work Culture, and Job Satisfaction on Organizational Citizenship Behaviour at PT Bank Sumut

Organizational Citizenship Behavior (OCB) is important to company success because in general organizations cannot rely solely on formal job descriptions to predict all of their organizational behavior. The importance of researching OCB in banking companies is because banking companies have intense competition so there are many things that employees must do to work according to the target. Therefore, it can be said that the contribution of OCB is a contributor that will benefit in the future. This research was conducted on PT Bank Sumut employees totaling 160 non-management employees. Data analysis uses the F test and multiple linear regression analysis. Research results show that workload has a significant impact on OCB work culture has a significant impact on OCB and job satisfaction has a significant impact on OCB. OCB is also affected by work culture and job satisfaction. The magnitude of the influence of workload, work culture and job satisfaction in influencing OCB is 64%. This study aims to determine the effect of workload, work culture and job satisfaction on OCB.

Analisis Peran Teknologi Digital Dalam Memudahkan Nasabah Bertransaksi Pada Saat Terjadi Pandemi Covid-19 (Studi Kasus Bank Sumut Syariah Capem Hamparan Perak)

Digital technology is a type of technology in which computer systems and automated systems usually replace a lot of human labor in the process. This study aims to determine the role of digital technology in Bank Sumut Syariah Hamparan Perak Sub-Branch to make it easier for customers to make transactions during the Covid-19 pandemic. This study uses a descriptive qualitative approach. Techniques and data collection using structured interviews and using secondary data obtained from PT. SOP data. Bank Sumut Syariah Sub-branch of Overlay Silver and so on. The results of the first research on the role of digital technology provide convenience in using mobile banking during the Covid-19 pandemic which has a good impact related to increasing the number of customers. The results of the second study are constraints on the role of digital technology in making it easier for customers to make transactions during the Covid-19 pandemic regarding the limited internet or not yet entering rural areas. Suggestions and input for Bank Sumut Syariah Capem Hamparan Perak can improve the network by using wireless mobile banking which is prepared as early as possible, where if there is a network failure, the convenience of customer transactions will not be disturbed at all.

Law Enforcement Against Skimming Criminal Actors of Bank Sumut Medan

This research was conducted by researchers starting from the skimming case that occurred in banking circles in Indonesia, one of which was at Bank Sumut Medan. This study aims to explain how the legal protection for skimming victims at Bank Sumut Medan and the threat of punishment for perpetrators of skimming crimes at Bank Sumut Medan. This type of research is normative juridical. This research is an analytical descriptive study that describes the applicable regulations related to legal theories in practice. Data collection is done by means of literature study. The results of this study found that the crime of skimming can be qualified in Article 362 and Article 263 of the criminal law as theft and forgery of letters. However, with the Law on electronic information and transactions and considering the principle of lex specialis derogate legi generali, perpetrators of skimming crimes can be charged with article 30 in conjunction with article 46 and article 32 in conjunction with article 48 of the law. regarding information and electronic transactions in conjunction with article 55 paragraph (1) of the Criminal Code. Keywords: Law enforcement; Criminal Act; Customer Skimming; Bank Sumut Medan.

Analisis Pengaruh Gaya Kepemimpinan terhadap Peningkatan Kinerja Pegawai pada KC Bank Sumut Syariah Medan

The leadership style in a company greatly affects employee performance. Employee performance can make a company run well. Therefore, the author wants to analyze the influence of leadership style on employee performance at Bank Sumut Syariah KC Medan. The type of data used in this study is quantitative data and uses a Likert Scale technique, namely by questionnaires and then will be analyzed with Validity and Reliability Test, as well as with Linear Regression. The result of this research is that the value of R square above is known to be 0.627 or 62.7%, indicating about 62.7% of employee performance variables (Y) are influenced by leadership style (X). While the remaining 37.3% is influenced by variables not examined in this study, namely: leadership factors, compensation factors, communication factors, environmental factors.
 Keywords: Leadership Style, Employee Performance, Bank

Penerapan Sistem Informasi Perbankan pada PT Bank Sumut

Technology is an important influence for the progress of a company's information system. This is inseparable from the increasingly sharp competition between banking companies, therefore companies need to apply an information system technology to banks. Information systems in banking aim to provide comfort, convenience and satisfaction to consumers or customers and also for modern information system technology companies capable of improving company operations. The purpose of this study was to find out about the bank information system at PT. SUMUT Bank. The discussion technique used is descriptive method. Data collection techniques were carried out to the library of several scientific books and writings related to the discussions carried out as well as journals related to this thesis. The bank information system at Bank SUMUT is internet banking or what is known as e-Banking. The term e-Banking is making transactions, payments and other transactions via the internet with a bank's website that is equipped with a security system. The advantage of eBanking is that customers do not need to stand in line to make financial transactions. Customers can immediately carry out banking activities at home and anywhere. Apart from that, it also saves time, customers do not need to spend all day just to complete various financial transactions. However, the drawback of this bank information system is that it is prone to burglary. Lost funds often cannot be returned and customers experience losses. Apart from that, there are other disadvantages, namely depending on the internet, it is impossible to carry out e-banking transactions in areas where there is no internet network. It is expected that the internet network speed must also be faster, if the internet network is old then e-Banking will experience transaction failures.
 Keywords: information system, banking

Strategi Optimalisasi Penggunaan Layanan Mobile Banking Pada PT. Bank Sumut Syariah KCP. Stabat

This study aims to determine the strategy of the north sumatra bank in optimizing mobile banking services at PT. Bank Sumut Syariah Stabat. This type of research is descriptive research using qualitative methods. The research data is sourced from primary data and secondary data. Data collection techniques in this study used observation, interview and documentation methods. The results of this study show that the strategy of sharia banks in optimizing mobile banking services through several ways and stages, one of which is by issuing an application called "SUMUT Mobile". The launch of this application aims to make customers of sharia sumut banks not bored and always comfortable in making transactions on mobile banking services This application can be accessed through the Android Smartphone application. In this application, there are many features such as fund transfers, balance checks, electricity token payments, credit purchases and so on which will certainly make it easier for users to make transactions.