Bank Syariah Mandiri Branch Research Articles

Praktek Pembiayaan KPR Dengan Akad Ijarah Muntahiya Bittamlik (IMBT) Di PT. Bank Syariah Mandiri Cabang Bandung : Tantangan Dan Solusinya

This study aims to identify and explain the practice of home ownership financing (KPR) with the Ijarah Muntahiya Bittamlik (IMBT) contract at PT. Bank Syariah Mandiri Branch Bandung. This research is descriptive qualitative in PT. Bank Syariah Mandiri Branch Bandung with interview techniques and documentation in collecting data. Data analysis techniques with interactive analysis models proposed by Miles and Huberman, among others; data collection, data presentation, data reduction and conclusions in the form of delineation and verification of home ownership credit (KPR) financing practices with the Ijarah Muntahiya Bittamlik (IMBT) contract at Bank Syariah Mandiri Branch Bandung. The results show that the practice of financing home ownership credit (KPR) with the Ijarah Muntahiya Bittamlik (IMBT) contract at Bank Syariah Mandiri, Bandung branch was still considered necessary to be optimized for future improvements by improving better services and education to the public. In addition, it also discloses the terms, benefits, mechanisms, factors that affect late installment payments as well as solutions offered by banks so that the financing program can provide benefits to customers and banks.

Pengaruh Keselamatan Dan Kesehatan Kerja (K3) Terhadap Kinerja Karyawan Pada Masa Pandemi Covid-19 Pada Pt Bank Syariah Mandiri Cabang Padang

The company will run well and smoothly if it is supported by various potential sources such as human resources (employees or employees), adequate company infrastructure, wages or salaries, and work locations. Employees play an important role in a company organization, so that efforts are needed to process them in order to achieve a balance in order to achieve company goals. Employees are one of the groups that are at risk of contracting Covid-19, therefore there is a need for special handling of employees regarding occupational safety and health (K3) which will affect employee performance. This study aims to determine the effect of occupational safety and health on employee performance during the Covid-19 pandemic (a case study at PT. Bank Syariah Mandiri, Padang Branch). The sample in this study were 80 employees of Bank Syariah Mandiri Branch Padang. The sampling technique used the total sampling method or the census method. The data analysis used was Statistical Product and Service Solutions (SPSS). The results obtained in this study are work safety and occupational health simultaneously have a positive and significant effect on employee performance

Pengaruh Fitur, Kualitas Produk dan Bagi Hasil terhadap Loyalitas Nasabah Tabungan Mudharabah di Bank Syariah Mandiri Kantor Cabang Pembantu Rancaekek

Currently, Islamic banks are required to continue to make improvements in order to increase customer satisfaction and ultimately make them loyal to the products offered. Especially the Mudaraba savings which are the prima donna products of Islamic banking. This study seeks to find the effect of features, product quality, and profit-sharing on the loyalty of Mudaraba savings customers. This research was conducted on customers at Bank Syariah Mandiri Branch Office Rancaekek with the number of respondents as many as 82 people. Data analysis using multiple linear regressions. The results of the study reveal that features, product quality, and profit-sharing have a significant effect on customer loyalty in Mudaraba savings.

PEMENUHAN ASAS TRANSAKSI SYARIAH PADA PEMBIAYAAN DENGAN AKAD MURABAHAH

This study aimed to determine the flow of the financing processes with murabahah contract at Bank Syariah Mandiri Branch Office Ternate and to exam whether the financing practices are in accordance with the principles of sharia transactions as stated in Standar Akuntansi Syariah–Indonesian Accounting Standard Board by using qualitative method. The data were collected by using the triangulation sources approach by interviewing a competent banker and a customer, then the results of the interviews are compared with related regulations. The results of this study proved that procedurally the financing processes at Bank Syariah Mandiri Branch Office Ternate has fulfilled the sharia principles, but practically the principle of justice in murabahah contract can not be fulfilled.

Persepsi Masyarakat Tentang Keberadaan Bank Syariah Indonesia Cabang Pembantu Stabat

Perceptions of the Community Concerning the Existence of Bank Syariah Mandiri Branch Stabat, This study explains the stabat community's perception of the existence of Bank Syariah Mandiri in Stabat City. The perception in question is the perception arising from the knowledge and profession of the community and the share of Islamic banks. This research is a qualitative research. Sources of data used are primary data and secondary data. Methods of data collection by doing obsevation, documentation and interviews. Data analysis techniques using data reduction, data presentation and conclusion drawing. The result of the research by Bank Syariah Mandiri is a bank located on the cross road of Stabat city. Its location is very strategic and facilitate stabat society to find it. Good service is provided by employees of Bank Syariah Mandiri Stabat. Motivation of work provided by the head of branches is also very influential to improve the work ethic is good. Good leaders are people who are able to motivate their employees to work in the spirit and can finish the job in accordance with the target work. Public interest arose because of the good service provided by the employees of Bank Syariah Mandiri Stabat. Bank Syariah Mandiri has a very important role to promote the Economy in Indonesia. So the result of research of public perception about Bank Syariah Mandiri kebaradaan very good effect.

Analysis of the Mechanism for Determining Giving Amount of Financing for Gold Pawn Goods at Bank Syariah Mandiri Branch Office of Gorontalo

This study aims to examine and analyze the method of determining the amount of the amount of the value of financing for gold pawning at Bank Syariah Mandiri Branch Office Of Gorontalo, the research method used in this study is descriptive research, namely research that presents an analysis of an object that describes systematically and accurately about a particular field. With interviews, namely a conversation, question and answer between two or more people who sit face to face is physically directed to a particular problem.This research can be concluded that Bank Syariah Mandiri pawnshop in carrying out mortgage financing uses three contracts, namely rahn and qardh, and maintenance costs using the Ijarah contract. When the process of granting financing for gold collaterals is examined the quality is by the pawnshop to determine the financing value given if the jewelry is 80% of the estimated value while if the bar is 95% of the estimated value. Assessment of collateral items with chemical analysis using tools, namely test stone, water tester, gold test needle. Evaluation by means of specific gravity using a tool namely electronic scales or analysts complete with weighing scales from 10 mgr to 500 grams, hydrotastic scales complete with weighing scales from 10 mgr to 500 grams, keler or tubes filled with clean water, and straps that are not absorb water. After the appraisal the customer will receive the amount of the fee he received based on the gold item he is carrying.

COSO ERM Framework as the Basis of Strategic Planning in Islamic Banking

In digital era, every business entities must prepare a competitive strategy to compete with other competitors. Therefore, this study aims to provide management systems that can assist management in creating a competitive advantage. This study will describe the effect of Enterprise Risk Management (ERM) in strategic planning for Islamic banking use COSO ERM Framework approach. This study uses quantitative analysis method with purposive sampling technique on employees of Bank Syariah Mandiri (BSM) branch offices in DKI Jakarta. Descriptive analysis methods and verification analysis used to test hypotheses and structural models with the Smart Partial Least Square (PLS) program version 3.3.7. The results show that the ERM variable has a positive effect on strategy planning at Bank Syariah Mandiri (BSM). Strategic planning in BSM is 72.5% influenced by the risk management carried out by the company. In the strategic planning, management has made risk management report as a basis for analysis of the internal and external company. DOI: https://doi.org/10.26905/jkdp.v25i1.5123

ANALISIS FAKTOR-FAKTOR DALAM PENGAMBILAN KEPUTUSAN NASABAH MEMILIH PRODUK PEMBIAYAAN PENSIUN DI BSM KC BOJONEGORO SUMBERREJO

Pension financing is a solution for someone who has stopped working to be able to meet all consumptive needs and other economic needs. PT Bank Syariah Mandiri Branch Office Bojonegoro Sumberrejo is one of the Sharia banks that offers pension financing products so that they have to compete with neighboring banks, especially conventional banks, which first offer pension financing products. The population in this study were all retired customers of PT Bank Syariah Mandiri Branch Office Bojonegoro Sumberrejo, as many as 480 customers. By using purposive sampling technique, the number of samples used is 267 retired customers who have met the criteria determined by the researcher. From the analysis, it is found that partially the factors that influence customer decisions in choosing pension financing at PT Bank Syariah Mandiri Branch Office Bojonegoro Sumberrejo are product quality (X1), service quality (X2), price (X3), emotional (X4), convenience ( X5), promotions (X8) and costs (X9). While simultaneously product quality (X1), service quality (X2), price (X3), emotional (X4), convenience (X5), personal experience (X6), other people's experiences (X7), promotion (X8) and costs ( X9) affects the customer's decision to take pension financing at PT Bank Syariah Mandiri Branch Office Bojonegoro Sumberrejo. The nine factors influence the customer's decision in choosing pension financing by only 66.9 percent, while the remaining 33.1 percent is influenced by other factors. Of the various factors that influence customer decisions in choosing pension financing at PT Bank Syariah Mandiri Branch Office Bojonegoro Sumberrejo, the most significant influence is the price factor (X3). Keywords: Pension financing, customer decisions, multiple linear regression analysis

ANALISIS LAPORAN KEUANGAN DEBITUR SEBAGAI BAHAN PERTIMBANGAN PEMBERIAN KREDIT PADA PT BANK SYARIAH MANDIRI CABANG MAROS

This research was conducted at PT Bank Syariah Mandiri, Maros Branch. This study aims to determine the application of financial statement analysis as a material for consideration of credit. In this study, the author is more specialized in Micro Financing (short-term credit) that uses a murabahah financing system. Data in the form of financial statements and data obtained in written form in the form of a general description of the company, namely data collection through direct interviews in the Accounting, Marketing, and HR sections, which are related to the problems examined at PT. Bank Syariah Mandiri Branch Maros. The results of the study concluded, that the debtor's financial statements are influential as material for consideration of giving credit to PT. Bank Syariah Mandiri Branch Maros.

AKAD MUDHARABAH MUTHLAQAH PADA PRODUK DEPOSITO DI BANK SYARIAH MANDIRI CAPEM SITUBONDO

Bank Syariah Mandiri branch office Situbondo applies mudharabah muthlaqah agreement for deposit products because it is very interesting for customers. They handed over mudharabah saving management absolutely to Bank Syariah Mandiri, without limits either in types of investment, period of time, or business sector. However it must does not be contrary to Islamic principles.
 Islam invites wealthy persons to develop and invest their assets. Instead Islam forbids them from concealing their wealth. Likewise, Islam also forbids them from hoarding their wealth. Of course, the money can be used for useful projects that have positive impact such as creating labour market and improving economic activity.
 
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Pengaruh Pengetahuan Masyarakat tentang Perbankan Syariah terhadap Keputusan Nasabah Menggunakan Produk Bank Syariah Mandiri Cabang Stabat

Sharia Bank is a place for activities that provide services to the public regarding payments in accordance with sharia principles. So far, public knowledge about Islamic banking is still very minimal. So it is very important to socialize to the public about the benefits of making transactions both saving and borrowing money and other activities in Islamic banks. So based on this phenomenology, this study aims to analyze the effect of public knowledge about Islamic banking on customer decisions to use products of Bank Syariah Mandiri Branch Stabat. This study was analyzed by quantitative research methods using the SPSS 17 approach. This research found that knowledge influences customer decisions to use the product of Bank Syariah Mandiri Branch Stabat.

The Effect of Marketing Mix Toward Decisions Become to A Customer BSM Gold Installment Financing Product at Bank Syariah Mandiri Branch Office of Singaparna Tasikmalaya

The BSM Gold Installment financing product at Bank Syariah Mandiri continues to experience an increase in the Head Office data. Still, the fact is found in Bank Syariah Mandiri Branch Office SingaparnaTasikmalaya. The number of BSM gold installment financing customers is still low and has not shown a significant increase. The author is interested in analyzing the effect of the marketing mix on becoming a customer of BSM Gold Installment financing products at Bank Syariah Mandiri branch office Singaparna Tasikmalaya. The research method used in this research is quantitative research, and the sample in this study is a saturated sample of 42 respondents. While observation, interviews, and questionnaires do the data collection technique and take data analysis techniques using descriptive data. Hypothesis testing uses correlation analysis test and regression analysis test. The results showed that the marketing mix, namely: products, promotions, places, prices, people, physical evidence, and the process had a significant effect on the decision to become a customer of BSM gold installment financing products at Bank Syariah Mandiri rcount ke rtable with n = 42 at a significance level of 1%, the results for rtable of 0.393 have been obtained. The value of rcount rtable (0.906 0.393) then H0 is rejected.

Pengaruh Harga dan Kualitas Pelayanan terhadap Keputusan Nasabah Menggunakan Produk Pembiayaan Pensiun pada Bank Syariah Mandiri Kantor Cabang Padang Ulak Karang

The purpose of this study was to study and analyze the price and quality of services to spending decisions using financial products at Bank Syariah Mandiri, Padang Ulak Karang Branch Office.The research method used is descriptive quantitative. Based on the regression analysis, multiple linear price variables and service quality towards spending decisions using award financing products at PT. Bank Syariah Mandiri Branch Office of Padang Ulak Karang obtained Y = 16,284 + 0.472X1-0192 X2 + 0.229 X3-0.709 X4-0.161 X5 + 0.683 X6 + e.The results of this study only determine the price and empathy that is positive and significant to real decisions, reliability, responsiveness, guarantees are negatively related and not significant to decision making.Keywords: price, service quality and expenditure decisions.

PENGARUH KUALITAS LAYANAN, KEPERCAYAAN DAN PROMOSI TERHADAP MINAT NASABAH MENABUNG PADA BANK SYARIAH CABANG ULAK KARANG KOTA PADANG

The survey conducted by Top Brand Indonesia obtained the latest data in 2016 indicates that the interest of saving customers at Bank Syariah Mandiri low is no exception in Bank Syariah Mandiri branch of Ulak Karang. It can certainly be influenced by various things, namely whether the quality of services provided by employees of Bank Syariah Mandiri is still less satisfactory, the promotion made by Bank Syariah Mandiri is still less attractive, and still decreased the level of customer confidence in Bank Syariah Mandiri.From the results that researchers do can be concluded that the quality of service, trust and promotion influence together on the interest of customers in saving. For the quality of service and promotion have a significant and positive impact on the interest of customers in saving but in the trust does not have a significant and negative impact on interest of customers in saving.

Completion of Productive Cheap Finance for Medifarma Employees in Bank Syariah Mandiri Branch Depok Cimanggis

Bank Syariah Mandiri is a financial institution engaged in raising funds and channeling funds to the public. One of the funds distribution products most often used in financing transactions at the Bank Syariah Mandiri branch of Depok Cimanggis is the murabahah contract. The focus problem in this study how to completion of productive cheap finance for medifarma employees in mandiri syariah banks branch depok cimanggis. The theory used is the theory of legal certainty, the theory of accountability, the theory of dispute resolution. The method of data collection is done by means of literature study, interviews and document studies. Research data collected through library research to obtain primary data and field studies by collecting data directly from respondents from interviews to obtain primary data. The results showed that The implementation of murabahah financing in the independent Islamic bank of Depok Cimanggis branch has been carried out in accordance with the operational standards applicable to the bank and The form of resolving murabahah disputes in the independent Islamic bank of Depok Cimanggis branch by prioritizing settlement by deliberation because it is informal, simple and flexible as regulated in Article 55 of Law Number 21 Year 2008 concerning Islamic Banking.

Pengaruh Pengelolaan Pembiayaan Agunan Rumah terhadap Peningkatan Nasabah PT. Bank Syari’ah Mandiri (Persero) Kantor Cabang Pembantu Kedaton Bandar Lampung

In the concept of Shariah and conventional perbankkan is equally serves as a financial intermediary so many different products perbankkan sharia is not a product with conventional banks . The purpose of this study was to determine and analyze the effect of home mortgage financing management to increase customer at PT . Sharia Bank Mandiri ( Persero ) Branch Office Kedaton Bandar Lampung . While desaian research used in this paper is a qualitative analysis . Based on the results it can be seen that : ( 1 ) The management of home ownership through Musharaka financing at Bank Syariah Mandiri ( Persero ) Branch Office Kedaton Bandar Lampung is good enough is evident from the implementation of financing the management of home ownership that does not burden the bank's customers and always strive for improvement -Fixes lease quickly if the object is not in accordance with the wishes of the customer . ( 2 ) The management of home ownership through Ijara financing of Bank Syariah Mandiri ( Persero ) Branch Office Kedaton Bandar Lampung has done fairly well in accordance with the provisions of sharia perbankkan .

Faktor-Faktor yang Mempengaruhi Performa Automatic Teller Machine (ATM) pada Bank Syariah Mandiri Cabang Tenggarong Seberang

Automatic Teller Machine (ATM) is a machine that can serve the needs of customers automatically at any time (24 hours) and 7 days a week including holidays. Location ATMs in strategic places. Efforts to improve the bank's fee-based income (FBI) also reflected the addition of machines ATM as one source of FBI of banks. Problems often seen on ATM in Islamic banks is service excellent. ATM location selection is one of the things that can affect the performance of the ATM. ATM placements in strategic locations that do not will have an impact on the quantity of the ATM transactions. 
 The purpose of this study to find out what are the factors that affect the performance of ATM and the dominant factor affecting the performance of ATM at the Bank Syariah Mandiri branch Tenggarong Seberang. This type of research is descriptive qualitative research sample is purposive sampling. 
 Factors affecting the performance of ATM at the Bank Syariah Mandiri branch Tenggarong Seberang is a potential FBI, service excellent and marketing strategies.
 The dominant factor affecting the performance of ATM at the Bank Syariah Mandiri branch Tenggarong Seberang is service excellent. Tenggarong Seberang local community character is not so concerned related to cleanliness and speed of service. The most important thing is the availability of money at an ATM, however cleanliness, convenience and speed of transaction is part of the services should still be maintained BSM Tenggarong Seberang branch.

THE IMPLEMENTATION OF RESCHEDULING IN MURĀBAḤAH MICRO FINANCING AT BANK SYARIAH MANDIRI INDONESIA

The Implementation of Rescheduling murābaḥah micro financing at Bank Syariah Mandiri Indonesia. This research is an analysis of the rescheduling of murābaḥah micro financing in Bank Syariah Mandiri Branch Dumai, Indonesia. There are many Shariah banks in Indonesia experiencing problems due to unpaid financing and can lower bank performance. Therefore, the bank is implementing the rescheduling of murābaḥah micro financing to avoid exceeding the level set by Bank Indonesia of 5%. This research was conducted to analyze in depth about the rescheduling of murābaḥah micro financing implemented by Bank Syariah Mandiri Branch Dumai, Indonesia. This research uses data collection method by observation, interview and library data which then analyzed by using inductive, deductive and comparative method. The result of this research is in the implementation of rescheduling the murābaḥah micro financing, there are three conditions, namely 1) not increasing the amount of remaining debt, 2) the costs in the rescheduling process are the actual costs, and 3) the additional payment time must be based on the agreement of both parties. From these conditions, the bank only does two, namely not increasing the amount of the remaining debt and adding payment time, while the bank is still wearing the customer with the rescheduling or penalty fees that make it difficult for the customer. Because of that, there are three suggestions from the researcher that is to provide a wide payment time, reschedule without the costs charged to the customer (penalty) except the actual costs such as administrative costs and conversion of murābaḥah financing contract into a qarḍ financing contract

Pengaruh Pengetahuan Masyarakat tentang Perbankan Syariah terhadap Keputusan Nasabah Menggunakan Produk Bank Syariah Mandiri Cabang Stabat

Sharia Bank is a place for activities that provide services to the public regarding payments in accordance with sharia principles. So far, public knowledge about Islamic banking is still very minimal. So it is very important to socialize to the public about the benefits of making transactions both saving and borrowing money and other activities in Islamic banks. So based on this phenomenology, this study aims to analyze the effect of public knowledge about Islamic banking on customer decisions to use products of Bank Syariah Mandiri Branch Stabat. This study was analyzed by quantitative research methods using the SPSS 17 approach. This research found that knowledge influences customer decisions to use the product of Bank Syariah Mandiri Branch Stabat.

Pengaruh Market Share Investasi Mura>bah}ah pada Usaha Mikro dan Kecil Terhadap Profitabilitas Bank Syariah Mandiri Cabang Bone

The purpose of this study is to determine the effect of market share mura bah} ah investment in micro and small businesses on the profitability of the Bank Syariah Mandiri Branch Bone. This research is a quantitative study using the census method. Data obtained through observation, questionnaires and documentation were then processed using the chi-square formula in SPSS 21 for Windows. The results showed that the market share of mura bah} ah investment in micro and small businesses had a significant effect on the profitability of the Bone Branch of Bank Syariah Mandiri.