Banking World Research Articles

The Influence of Customer Demands and Marketing Mix on Total Customer Savings of Bank BJB Bandung City

Competition in the banking world today is very sharp, this is because people have many alternative choices in getting the most satisfying service. One of these options is in terms of saving the funds in the form of savings. This condition is exacerbated by economic conditions full of uncertainty, so that a bank is required to meet customer demands, if it does not have an advantage it will be difficult to defend itself. One strategy in winning today's competition is the strategy of implementing banking services marketing programs which are the elaboration of the service marketing mix and customer demands which are variables that can be controlled by the company in generating profits. Therefore, this research was conducted with the aim of knowing (1) the demands of savings customers at Bank BJB Bandung City; (2) the performance of the marketing mix of savings services implemented by Bank BJB Bandung City and ; (3) The influence of customer demands and the performance of the service marketing mix on the amount of customer savings at Bank BJB Bandung City. The research method used is a descriptive survey method and an explanatory survey using a sample of Simpeda savings customers and Tanda Mata Bank BJB Bandung as respondents, as many as 100 people. Based on the results of the study, it was found that customer demands include needs (quantity of bank services required), wants (quality of bank services desired) and demand (quality of bank services that customers can afford). The shift in consumer demands is relatively dynamic even though the level of flexibility and adaptability of companies to respond is relatively low, this is so that companies are better prepared to anticipate customer demands; The performance of the service marketing mix includes product, price, location/place, promotion, people, physical facilities and is quite good compared to other banks where the performance of the service marketing mix is one of the tools to determine choices in using banking services and customer demands and the performance of the service marketing mix has an effect on increasing the number of savings, but when viewed partially it turns out that the marketing mix of services dominantly affects the increase in the number of savings than customer demands.

The First Android Based Sharia Fintech Innovation In Indonesia To Increase Inclusive and Literate on Society’s Finance

Technology has become the part of today’s people life. Then, it is actually close to the application of it. Absolutely, it has example; such as the electricity for having more sophisticated in financial technology (Fin-Tech). The simplicity and speed of this technology have led people to adopt it in everyday’s life. One of the innovations in developing business and the economy, especially in the banking sector, is currently to develop Fintech (Financial Technology) which is able to facilitate all types of buying and selling transactions, investments and fundraising. Next, the purpose of this study is to explain and provide an understanding of the technical, procedures and benefits of the application, it is called Sharia FinTech. Then, it is also to contribute to the literature on the capacity of the latest technological and non-technological innovations. The research method used is descriptive research method with a qualitative approach. It is to describe and explore the phenomena in the form of engineering human innovation in the financial technology industry. It is done by taking into account the characteristics, quality, and interrelationships between activities It has several aspects; they are: conducting the observation, having an interview session, creating the documentation, and the last one is doing the Literature review. The result of this study is to increase the knowledge, skills and confidence of the community in managing personal finances to be better and to provide access to be having convenient and accountable financial services. Afterwards, this study linits on explaining and providing an understanding of the technical, procedure and benefits of Sharia Fintech for all people in need. Thence, the limitation of the research only discusses the role of Islamic Fintech in increasing the public financial inclusion and literacy. As for the the next researchers, they can be even wider by adding the collaboration of fintech and the banking world. The novelty of this research is the use of the android application as a digital platform in financial inclusion and literacy.

Pelayanan Prima pada Nasabah Lansia Di Bank 9 Jambi

Excellent service is the main thing that must always innovate in meeting customer needs. In the competitive banking world, direct contact with service is very important because customer satisfaction is a reflection of the quality of service. This study describes excellent service to the elderly who have several obstacles such as hearing loss, low education levels, communication barriers, which must receive special attention in service. The method in this study uses a descriptive qualitative type, then the results of the study show that excellent service has been implemented for the elderly with various strategies that have been implemented such as using regional languages for elderly customers who have problems understanding banking terms in transactions.

Determinants Of Millenial Generations Interest In Using Mobile Banking

Abstract Mobile banking services issued by the banking world, are aimed at making it easier for customers to make transactions that are supported by mobile phones and internet networks. Even so, there are still many customers who have not used mobile banking, especially Islamic mobile banking, including those from the millennial generation who should be more receptive to change and the millennial generation is more technology literate and easy to master technology. In the economic activities of the millennial generation, many transactions are online, starting from shopping on the marketplace, social media and other electronic media. This study aims to determine the factors that influence the interest of the millennial generation in using mobile banking at Islamic banks. This research is a quantitative research. The data source used is primary data. The data collection techniques used were interviews and questionnaires. Respondents in this study were the millennial generation as many as 93 people. The results of this study are that there are several factors that influence the interest of the millennial generation in using Islamic bank mobile banking, namely the factors of convenience, benefits, trust and risk. Based on the results of data analysis that has been carried out, the factors of convenience, benefits, trust and risk have an effect on the interest of the millennial generation in using mobile banking at Islamic banks both partially and simultaneously.

COMPARATIVE ANALYSIS OF ISLAMIC BANK SOUNDNESS LEVEL

The purpose of this study was to assess the soundness level of Bank Syariah Mandiri, Bank Muamalat Indonesia, and Bank Negara Indonesia Syariah using the RGEC method (Risk Profile, GCG, Earning, Capital) for the 2019 period. The method used is a descriptive research approach, with publication report data. Finance obtained from online media used by Banks with due observance of the RGEC method in the world of Islamic Banking. This study wants to reveal a comparison of the level of health in three Islamic banks. This research was conducted in a limited scope, in terms of GCG factors, data taken from annual reports so that further research data can be processed in the GCG factor in the form of data obtained from the results of questionnaires to bank stakeholders. The range of areas and types of methods used will be more varied with a more diverse sample of banks so as to provide more accurate conclusions. The results showed that Bank Syariah Mandiri, Bank Muamalat Indonesia and Bank Negara Indonesia Syariah as the state-owned banks with the largest assets received a very healthy CAR Composite Rating. This reflects the condition of the three banks which are considered highly capable of dealing with significant negative effects from changes in business conditions and other external factors, however if a weakness occurs, it can be said that in general these weaknesses are not significant even though seen from the ROA Composite Rating Value, Bank Muamalat Indonesia gets unhealthy rating with an ROA value of 0.05% based on Bank Indonesia Regulation No. 13/1/PBI/2011 concerning Assessment of the Soundness of Commercial Banks with Risk-Profile, Good Corporate Governance (GCG), Earnings, and Capital.

THE INFLUENCE OF ISLAMIC ORGANIZATIONAL CULTURE AND COMPENSATION ON EMPLOYEE PERFORMANCE WITH MOTIVATION AS MODERATING

This research is motivated by the banking world which has entered the era of globalization, where company competition is getting tougher. So that every company is required to improve the things that exist within the company so that it can develop and get better. Human resource management is very important and becomes the focus of many organizations in competitive advantage. The purpose of this study is to determine and analyze the influence of Islamic Organizational Culture on Employee Performance with Variables as Moderating on Employees of BRI Syariah KC Semarang.In this study using quantitative methods by processing primary data through a questionnaire given to employees of BRI Syariah KC Semarang 40 respondents with a saturated sample technique. The data obtained were processed using SPSS version 21. The analysis used in this study included instrument tests, statistical tests, classical assumption tests, and MRA.Results Based on the research test, it was found that: (1) Islamic Organizational Culture had a negative and insignificant effect on employee performance at BRI Syariah KC Semarang. (2) Compensation has a positive and significant effect on employee performance at BRI Syariah KC Semarang. (3) Motivation cannot moderate the influence of Islamic Organizational Culture on Employee Performance at BRI Syariah KC Semarang. (4) Motivation cannot moderate the effect of compensation on employee performance at BRI Syariah KC Semarang..

Analysis of the Use of Particle Swarm Optimization on Naïve Bayes for Classification of Credit Bank Applications

The selection of prospective customers who apply for credit in the banking world is a very important thing to be considered by the marketing department in order to avoid non-performing loans. The website www.kaggle.com currently provides South German Credit data in the form of supervised learning data. The use of data mining techniques makes it possible to find hidden patterns contained in large data sets, one of which is using classification modeling. This study aims to compare the classification of South German Credit data using the Naïve Bayes algorithm and compare the classification of South German Credit data using the Naïve Bayes algorithm with particle swarm optimization (PSO). The test was carried out using a confusion matrix to determine the accuracy, precision and recall values of the research model. Based on the test, it is known that PSO is able to increase the accuracy and recall of Nave Bayes, but PSO has not been able to increase the precision value of Nave Bayes. The test results show that PSO optimization gives Naïve Bayes an increase in the value of accuracy by 0.46%, and gives Naïve Bayes an increase in recall value by 3.02%.

Dimensional Measurement of Validity Item of Market Complexity and Corporate Strategy in the Banking Sector in Indonesia

The company always faces challenges both internally and externally in managing resources and achieving organizational goals. To be able to compete, corporations need to manage the complexity and uncertainty in the market environment by improving management. To date, few studies are available to verify the items required for business, particularly banking as a guide for designing such complexities. In this regard, this study seeks to provide validity items that are useful for the world of corporate banking, in managing the complexities of the external environment and in formulating and implementing strategies. By combining the concept of human resource management, socio-economic factors through a dimensional measurement with a stakeholder approach, the study findings demonstrate several important keys for banks to manage external elements and strategies as a guide to measuring effectiveness that can be used as a basis for further studies.

ЕКОНОМІЧНА СУТНІСТЬ ТА ДЖЕРЕЛА ВИНИКНЕННЯ ОПЕРАЦІЙНОГО РИЗИКУ В БАНКУ

Banking activities are constantly exposed to operational risk. Analyzing and summarizing international and national approaches to determining the economic essence of operational risk, the evolution of changes in views on operational risk and its impact on banking activity through the prism of studying world experience was considered. As a result of the investigation, the economic essence of operational risk has been deepened, its inherent difficult to predict and destructive nature of the impact on banking activities. Four sources of operational risk are identified. The factors and features of operational risk in the context of each source are determined. Sources of operational risk are personnel (people), processes, systems and external events. Characteristic features of operational risk are the complexity of its assessment, measurement and forecasting. The manifestation with a delay in time, but with critical losses for a bank, is most inherent in the operational risk arising from the source people. The interrelation of operational risk with other risks is a feature that is inherent in all four sources of operational risk of a bank. Prospects for further research may be taking into account the events of the operational risk implementation, significant in the history of world banking practice, to determine effective mechanisms and tools for managing such risk. This is the basis for building an effective operational risk management system and protecting banking activities from losses. Technological development and global transformation processes lead to the fact that operational risk management will become a key component of the risk management for every bank.

Pandemi Covid-19 Sebagai Bentuk Overmacht Terhadap Pelaksanaan Perjanjian Kredit Di Perbankan

At the end of 2019, the world's first discovery of a highly contagious and rapidly growing virus called the Covid-19 virus. In legal terms, it is known as overmacht which means a forced state. The Covid-19 virus pandemic has grown rapidly since the beginning of 2019 until now. The biggest impact of the Covid-19 virus pandemic is the world economy. When it comes to the economy, the most influential field is banking. In the banking world, which provides loan services to customers, of course, it has had a big impact since the Covid-19 virus pandemic. Therefore, this paper aims to discuss the legal consequences of the overmacht condition in the banking sector, especially on the implementation of credit agreements in banking. The method used in this paper is normative law using a statutory approach, namely POJK and the Civil Code which contains the topic of discussion with secondary data types. With the overmacht condition, OJK as the authorized party issued a new POJK regulation regarding the implementation of credit in banking during this pandemic. Where overall the contents and provisions of the POJK are in accordance with applicable law, by emphasizing on the banking sector to continue to apply the precautionary principle in providing relaxation as an effort to relieve loans or debtor customer credit so that credit activities in banking remain organized and run well.

Peran Bank Syariah terhadap Kesadaran Masyarakat Akan Pentingnya Literasi Keuangan Syariah dan Larangan Riba

The financial industry is currently growing quite rapidly. One of the dominant industrial sectors is the Islamic banking industry.The performance assessment of Islamic banking has only focused on the financial aspect. However, there is one most important thing about Islamic banks that is often overlooked, namely compliance with Sharia Compliance. However, along with the development of the era of usury transactions in the banking world today it is increasingly difficult to avoid, including financial institutions that are labeled sharia. One of the causes of the low quantitative development of the Islamic finance industry is the lack of public awareness about financial literacy, especially Islamic financial literacy. In this study using descriptive qualitative research methods. In qualitative research, the main characteristics come from the natural background/reality in society. Therefore, there is a need for literacy of the Indonesian people so that they can assess and choose Islamic financial transactions properly and appropriately. Because financial literacy has been widely recognized as an important skill for individuals facing increasingly complex financial scenarios.

The Characteristics of Notary Cover Notes for Banking Credit Distribution

There is a Cover note in the banking world that has become a custom (customary law) in disbursing housing loans. A notary issued the covernote because there are requirements related to the object of the guarantee that has not been resolved. The absence of regulations that regulate covernotes causes a lot of problems, especially for Notaries. This study is intended to analyze and find the authority of a Notary as a General Officer in issuing Covernotes and the function of covernotes issued by Notaries in the context of disbursing Banking Credit. The research method used is normative legal research using 3 (three) kinds of problem approaches, namely the statutory and conceptual approaches. Based on the study results, it was concluded that the making of a covernote is not the authority of a Notary as a Public Official. The making of a covernote by a Notary is only based on the trust of banking institutions in the information submitted by a Notary. Covernote was born based on customary law that applies in the banking world to implement the prudential banking principle in credit disbursement.

Methodical approaches for reducing the credit risk

Banking is inevitably associated with risks. No matter what efforts the bank makes to minimize risks, they will always exist – the only question is to what extent. Lending operations are among the most profitable types of banking, but they are associated with a high level of risk. The instability of the economic situation in the country, the imperfection of the legal framework in this area necessitate a detailed study of the problems of minimizing credit risks. It should be noted that the choice of methods of credit risk management in the bank is quite relevant today. Credit risk management is the most important task of any bank, and choosing the right method of credit risk management will increase the stability, reliability and competitiveness of the banking system, which will positively affect the overall economic condition of the country. Credit risk is the oldest in the system of banking risks and occupies a prominent place. It is necessary to work out an effective system of using the tools recognized by the world banking community to minimize risks, given the possibility of their transfer from the bank to investors. The starting point in the development of the latest risk management tools of the bank should be the creation of a regulatory framework that will regulate this process. It is necessary to improve the existing methodological framework and develop a new methodological framework for credit risk management of the bank, concentrating the advantages of existing assessment methods, create a single method of assessing the borrower's creditworthiness, not to mention a certain algorithm for banks to form credit procedures. It is necessary to adopt the experience of foreign banks in credit risk management. The experience of foreign banks in developed countries, based on a detailed study of all credit procedures, multifactor analysis of the creditworthiness of potential borrowers.

ANALISIS PENGARUH KUALITAS LAYANAN TERHADAP KEPUASAN DAN LOYALITAS NASABAH PT BANK BUKOPIN CABANG JEMBER

Bank Bukopin is one of the banks that makes service a top priority in building its image in the community. As a private bank that is still growing, Bank Bukopin has been able to survive in the face of competition in the banking world to date. In addition, judging from the number of customers or the growth of Third Party Funds, Bank Bukopin is still below other large banks, thus making Bukopin still have to consistently and continuously improve services that are different from other banks to build customer loyalty and increase the growth of third party funds. The increasingly fierce competition in the business world at this time, makes business actors, whether individuals or partnerships, or in the form of companies, must have factors that can be used by companies as weapons in their efforts to win the competition with their competitors in the business world. has tried to compete and provide the best for consumers, it may not necessarily guarantee the success of efforts to achieve company goals, because each consumer has different tastes and desires, so each company has a different service strategy. Likewise in the world of banking, service strategy is one of the important factors in increasing customer satisfaction and loyalty and improving the image of the company itself because banks as financial service providers are very dependent on customers or customers who use their services.

ANALISIS PENGARUH KUALITAS LAYANAN TERHADAP KEPUASAN DAN LOYALITAS NASABAH PT BANK BUKOPIN CABANG JEMBER

Bank Bukopin is one of the banks that makes service a top priority in building its image in the community. As a private bank that is still growing, Bank Bukopin has been able to survive in the face of competition in the banking world to date. In addition, judging from the number of customers or the growth of Third Party Funds, Bank Bukopin is still below other large banks, thus making Bukopin still have to consistently and continuously improve services that are different from other banks to build customer loyalty and increase the growth of third party funds. The increasingly fierce competition in the business world at this time, makes business actors, whether individuals or partnerships, or in the form of companies, must have factors that can be used by companies as weapons in their efforts to win the competition with their competitors in the business world. has tried to compete and provide the best for consumers, it may not necessarily guarantee the success of efforts to achieve company goals, because each consumer has different tastes and desires, so each company has a different service strategy. Likewise in the world of banking, service strategy is one of the important factors in increasing customer satisfaction and loyalty and improving the image of the company itself because banks as financial service providers are very dependent on customers or customers who use their services.

Seed: Gendered Vernaculars and Relational Possibilities

AbstractThis contribution to feminist vocabulary provides a genealogy of the term seed. We both work on practices of care and control related to seeds, from seed banking and agricultural development projects to everyday practices of keeping, saving, and tinkering with seeds. As a term, seed evokes gendered ideas about human reproduction that center masculinity and virility, even though the botanical seeds are in fact already‐fertilized embryos. This entry takes up the gendered dimension of seeds (and the elisions it produces) as a lens to interrogate ideas of use, usefulness, and uselessness (Ahmed 2019) in the world of biodiversity banking and plant genetic resources. With examples from seed banking and farming in West Africa, and with inspiration from feminist philosophers and anthropologists Sylvia Wynter, Marilyn Strathern, and Sara Ahmed, this provocation contributes to the vocabularies of feminist anthropology and science studies. Since the stories we tell about the world are filled with metaphor, why not complicate the vernacular understanding and usage of seed to reflect the queer and matrilineal possibilities that we see all around us, instead of the potent patrilineality that remains as a vestigial reminder of the values we would rather leave behind?

List of Periodicals

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C: Financial Operations and Services

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A: Financial Institutions

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F: International and National Economies

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