Branch Office Research Articles

Market orientation and change capability on an Indonesian sharia banking performance: the moderating effect of leadership religiosity

Purpose Changes are required to improve the performance of Sharia banking in Indonesia. Using dynamic capability theory, this study aims to analyze organizational learning, change process and change context (OCC) in Bank Syariah Indonesia as influenced by market orientation (competitor and customer orientation) and moderated by religiosity and its impact on organizational performance (Maqashid Sharia) using a multilevel perspective. Design/methodology/approach To test the hypothesis, this research surveyed by distributing online questionnaires to managers and employees at 62 branch offices of Bank Syariah, the largest Sharia bank in Indonesia. Data processing involved multilevel structural equational modeling with Mplus analysis software. Findings Market orientation determines an organization’s ability to change significantly, which leads to organizational performance being significantly moderated by religiosity. In OCC, organizational learning influences change context through change processes, ultimately influencing organizational performance (Maqashid Sharia). Originality/value This research used a multilevel perspective by combining market orientation and OCC variables moderated by religiosity and its impact on Maqashid Sharia. This study was conducted at the largest Sharia bank in Indonesia, Bank Syariah Indonesia.

HYPERCONTENT DEVELOPMENT TRAINING FOR RICH AND RENEWABLE LEARNING RESOURCES AT STATE SENIOR HIGH SCHOOL 1 DRIYOREJO, GRESIK

This community service activity aims to provide Hypercontent Development Training for Rich and Renewable Learning Resources. at SMA Negeri 1 Driyorejo, Gresik as a good researcher for teachers. Specifically, this activity aims to Bind Interaction in Learning at SMA Negeri 1 Driyorejo, Gresik smoothly and in accordance with the even semester period of the 2023-2024 academic year. The methods used in this PPM activity include lectures or counseling containing the delivery of information for general and theoretical materials, in this case the material (1) Application of Hypercontent Development Training for Rich and Renewable Learning Resources, (2) Excavation Hypercontent Development Training for Rich and Renewable Learning Resources. The PPM activities that have been implemented have run smoothly in accordance with the expected goals of this program, and have obtained good results. The lecturers who presented received knowledge sharing on how to practice Hypercontent Development Training for Rich and Renewable Learning Resources at SMA Negeri 1 Driyorejo, Gresik. The high school teachers received additional knowledge about Hypercontent Development Training for Learning Resources. The Hypercontent Development Training Program for Learning Resources in addition to receiving positive responses from teachers of SMA Negeri 1 Driyorejo, Gresik, also received responses from supervisors in the Driyorejo District Education Office Branch, Gresik Regency. The training participants hope that the Hypercontent Development Training for Learning Resources can be continued in the future considering the benefits of this program. Furthermore, the institutional cooperation that has been well established between UNIPA Postgraduate School, especially the Department of Educational Technology with the Driyorejo District Education Office Branch, Gresik Regency is expected to continue in the future as part of the Tri Dharma of Higher Education.

Peran Customer Service dalam Meningkatkan Kualitas Pelayanan Nasabah PT. Bank Rakyat Indonesia (Persero) TBK Kantor Cabang Madiun

Achieving customer happiness necessitates the adoption of enhanced cutomer service. The present study examines how cutomer service might enhance cutomer servi satisfaction at the Madiun Branch Office of PT Bank Rakyat Indoensia (Persero)Tbk. For the intention of understanding how customer service contributes to the PT Bank Rakyat Indoensia (Persero)Tbk Madiun Branch Office’s improved customer service. Qualitative research with data gathering methods from libraries is the sort of study that’s is being done. The study’s findings show that PT Bank Rakyat Indoensia (Persero)Tbk Madiun Branch Officeis customer service is crusial to the provision of services to clients

The Role of Motivation in Moderating the Influence of Organizational Culture and Work Discipline on Performance Employees at The Employment BPJS Se-Medan Raya

This study aims to look at the role of motivation in moderating the influence of organizational culture and work discipline on employee performance at BPJS Ketenagakerjaan Se- Medan Raya. This type of research uses qualitative methods, this research was conducted at the BPJS Employment Branch Office in Greater Medan, the population used was 80 employees consisting of 20 personnel from Medan City, 20 personnel from North Medan, 20 personnel from Tanjung Morawa and 20 personnel from Binjai. The sample used is all the population of 80 employees with saturated samples being the sample technique. The data source used is primary data source and data collection by distributing questionnaires. This research model uses phat analysis and the measuring tool is the smart PLS version 3.3.3 application. The results of this study are as follows: Organizational culture has a positive and insignificant effect on employee performance with an original sample value of 0.042 and P values of 0.910. Organizational culture has a positive and significant effect on work motivation with an original sample value of 0.875 and p values of 0.000. Work discipline has a positive and insignificant effect on employee performance with an original sample value of 0.042 and p values of 0.851. Work discipline has a negative and significant effect on work motivation with an original sample value of -0.347 and p values of 0.000. Work motivation has a positive and significant effect on employee performance with an original sample value of 0.730 and p values of 0.000. Organizational culture has a positive and significant effect on employee performance through work motivation indirectly with original sample results of 0.634 and p values of 0.000. Work discipline has a negative and significant effect on employee performance through work motivation indirectly with an original sample value of -0.209 and p values of 0.006.

STRES KERJA DAN MOTIVASI KERJA PENGARUHNYA TERHADAP KINERJA KARYAWAN BANK SYARIAH MANDIRI DI KOTA MAKASSAR

This study aims to determine the effect of work stress, work motivation, and the effect of both simultaneously on the performance of Bank Syariah Mandiri employees in Makassar City. This research was conducted at the Bank Syariah Mandiri Office in Makassar City with a research unit of permanent employees aged 20-40 years with a minimum work period of 1 year and a high school educational background and a maximum of Master degree (S2). The total population is 409 employees spread across 8 branch offices and sub-branches. The method chosen to determine the sample is purposive sampling and proportional sampling method and the results obtained are 202 samples. Furthermore, data collection was carried out using questionnaire, observation, and interview methods. The research hypothesis was tested through multiple regression analysis using the SPSS program. The research shows that work stress and work motivation have a significant influence on the performance of Bank Syariah Mandiri employees in Makassar City. Unmanaged work stress can reduce productivity, loyalty, and increase employee turnover, while good work motivation tends to improve performance.

Utilization of Digital Literacy in Increasing the Number of Customers Using Digital Saving

This study aims to explore the use of digital literacy in increasing the number of customers using digital saving services at PT Bank Rakyat Indonesia Parakan Branch Office. The focus of the research includes how digital literacy can increase the number of customers, the obstacles faced in the application of digital saving services, and the efforts made to optimize the application of these services. This type of research is descriptive qualitative research. The sampling technique used purposive sampling with a total of 10 informants consisting of BRI KC Parakan employees and several customers. Research instruments include in-depth interviews, observation, and documentation. The collected data were analyzed using thematic analysis method to identify the main themes that emerged from the data. The results showed that the implementation of digital literacy through social media, direct socialization, and education by customer service played a significant role in increasing customer understanding and trust in digital saving services. This study concludes that digital literacy plays an important role in increasing the number of customers using digital saving services at BRI KC Parakan. Technical barriers and lack of customer understanding are the main challenges in implementing this service. It is hoped that by implementing the suggestions that have been identified, BRI KC Parakan can further optimize the implementation of digital saving services in the future.

Legal Protection for Creditors Who Recipient of Motor Vehicle Fiduciaries After Constitutional Court Decision Number 18/PUU-XVII/2019 & Number 2/PUU-XIX/2021 (Study at BRI Finance Malang Branch)

Fiduciary is a material guarantee which is a development of other material guarantees, namely Pawning. This development is a living need in society because pawning collateral which requires control of the pledged collateral object by the creditor is felt to be less supportive of business because the debtor cannot benefit from the collateral object so material collateral is needed which is more beneficial for the debtor but also the creditor's interests can still be protected. Execution of fiduciary guarantees can be carried out in accordance with article 29 UUJF, namely if the debtor or fiduciary person breaks his promise, the execution of the object that is the object of fiduciary guarantee point 1 above is the priority given by the material guarantee institution which is referred to as Parate execution, which is regulated in Article 15 paragraph (3) of the Fiduciary Guarantee Law (hereinafter abbreviated to "UUJF") which states that "If the debtor breaks his promise, the fiduciary recipient has the right to sell the object that is the object of the fiduciary guarantee under his own authority." The research method used is the Socio Legal Research Method or commonly used as empirical juridical research. Empirical legal research, namely data obtained directly from the community as the first source through field research. The research location is at the BRI Finance Malang Branch Office which is one of BRI's subsidiary entities which operates in the financing sector located in Malang City. One of the financing products from BRI Finance is Multipurpose Motor Vehicle Ownership Credit where the collateral is a motor vehicle tied to the institution fiduciary material guarantee. The results of the research show that the execution of credit collateral in the form of a motor vehicle tied to a fiduciary with the Constitutional Court decision Number 18/PUU/XVII/2019 which is confirmed by the Constitutional Court decision No.2/PUU-XIX/2021 becomes weaker because the creditor's preference rights are limited. The institution granted fiduciary material guarantees in the form of an execution parate cannot be carried out unilaterally because it must obtain the debtor's approval regarding the element of breach of contract/default and also the voluntary handover of fiduciary objects

The Influence of Digital Culture and Transformational Leadership Style on Employee Performance: The Mediating Role of Work Motivation

The current investigation seeks to evaluate the consequence of digital culture and transformational leadership on employee performance at the PT Pos Indonesia Bandung’s main branch office, with work motivation contributing as a mediator. The investigation utilizes a quantitative approach and causal research methods, data were assessed using SmartPLS version 4. The results show that employee performance is favorably and substantially influenced by digital culture, while transformational leadership style does not. Furthermore, work motivation is identified as a significant mediator in the link between digital culture, transformational leadership, and employee performance. This investigation enhanced to relevant published works by highlighting the interplay between those variables, suggesting that organizations should prioritize these elements to optimize performance. The findings offer practical implications for managers seeking to create a motivated workforce in a digitally evolving landscape

The Effect Of Workload And Work Environment On Organizational Commitment (Study On Non-Permanent Employees Of Bni Branch Office Palembang)

This study was conducted with the aim of determining the influence of workload and work environment on organizational commitment to non-permanent employees of BNI Palembang branch office. The population used in this study is all non-permanent employees at PT Bank Negara Indonesia (Persero), Tbk Palembang Branch Office in 2024 as many as 108 employees. The number of respondents in this study is all non-permanent employees at PT Bank Negara Indonesia (Persero), Tbk Palembang Branch Office in 2024 as many as 108 employees spread across 16 Sub-Branch Offices and 1 Main Branch Office and all of them are the number of respondents in this study. The results of multiple linear regression analysis show that workload and work environment have a positive and significant effect on organizational commitment. Workload, is expected to provide time with appropriate working hours for employees. The work environment, it is expected that the company's management, especially the superiors at each branch office, will be more sensitive to the relationships established between fellow employees.

Driving sustainable competitive advantage in banking: The role of transformational leadership and digital transformation in organizational agility and corporate resiliency

AbstractObjectivesContinuous adaptation and innovation are critical for sustaining a competitive edge in the dynamic and technology‐driven banking sector. This study explores the impacts of transformational leadership and digital transformation on organizational agility and corporate resiliency, and how these factors contribute to sustainable competitive advantage in the banking sector.MethodologyA quantitative approach utilizing a survey method was implemented for the research, which included a sample of 185 units comprising the head office, branch offices, and sub‐branch offices of Regional Banks in Indonesia. Data analysis was conducted using PLS‐SEM with second‐order constructs.FindingsThe results reveal that transformational leadership significantly enhances organizational agility but does not significantly impact corporate resiliency or sustainable competitive advantage. Digital transformation significantly improves both organizational agility and corporate resiliency, yet its effect on sustainable competitive advantage is insignificant. Moreover, organizational agility significantly influences both corporate resiliency and sustainable competitive advantage. Additionally, corporate resiliency makes a significant contribution to sustainable competitive advantage.ConclusionThe study underscores the critical role of transformational leadership and digital transformation in enhancing organizational agility and resiliency. These elements are pivotal in sustaining competitive advantages in the rapidly evolving banking industry.ImplicationsThis research underscores the strategic importance of banks investing in leadership development and digital initiatives to enhance organizational agility and corporate resiliency, which are crucial for maintaining a sustainable competitive advantage.

The Effect of Sharia Financial Inclusion on Creative Industry Financing (KSPPS BMT-NU Lenteng Branch, Sumenep)

This study aims to analyze the effect of Islamic financial inclusion on creative industry financing in KSPPS BMT-NU Sumenep. Multiple linear regression analysis technique was applied to identify the influence of independent variables.The research design used in this study is a questionnaire to customers of BMT-NU EAST JAVA Lenteng Branch Office who are willing to be respondents and fill out a questionnaire, the purpose of which is to find out how much influence the independent variables, namely, Profile (X1), Income (X2), Accessibility (X3), and Product (X4) on financing the creative industry in Sumenep Regency. The results of the research obtained through multiple Linear Regression dummy variables are profile variables and products that have a significant positive effect on financing the creative industry of BMT-NU Lenteng Branch Sumenep customers. While the accessibility variable has a significant negative effect on financing the creative industry of BMT-NU Lenteng Sumenep Branch customers. While the income variable has a positive, but insignificant effect on financing the creative idustry of BMT-NU Lenteng Sumenep Branch customers.

WEB DEVELOPMENT REQUEST FOR INFORMATION (RFI)

The design of a Web-Based Online Request for Information (RFI) System aims to analyze issues within the verification procedures in the country of origin or loading country during the Import Technical Verification Program (VPTI) by KSO SCISI. This research also intends to evaluate the potential implementation of a web-based online Request for Information (RFI) system as a solution to enhance the efficiency and effectiveness of the verification process in the country of origin or loading country, while facilitating expedited services within VPTI. The research methodology involves initial stages of problem identification and observation of ongoing processes at KSO SCISI, supplemented by literature review to comprehend aspects of information system design and development through web-based platforms. Additionally, interviews with relevant stakeholders were conducted. The research adopts the Linear Sequential (Waterfall) methodology for system development, which translates analysis into design, coding, and testing. The primary outcome of this study is the design of a web-based online RFI system that eliminates the need for lengthy and intricate steps by enabling direct communication of physical verification location requests from the headquarters to exporters, without the involvement of branch offices in the country of origin or loading country. Implications of this research encompass procedural simplification, service efficiency enhancement, and fostering strong customer relations. An innovative facet of this study lies in the utilization of the online RFI system to streamline and expedite complex verification procedures, while also fostering more efficient connectivity between the headquarters and exporters. In conclusion, the web-based RFI system is poised to facilitate, accelerate, and fortify high-quality VPTI services by KSO SCISI.

The Impact of Total Quality Management (TQM) on Innovation Performance with Knowledge Sharing and Organizational Culture as Intervening Variables: A Study on PT Pos Indonesia (Persero) Bandung

This study examines the effect of Total Quality Management (TQM) on innovation performance at the Main Branch Office of PT Pos Indonesia (Persero) Bandung, with knowledge sharing and organizational culture serving as intervening variables. The data was collected using a saturated sampling of 85 respondents and analysed using Structural Equation Modelling using SmartPLS. This research method is commonly used in quantitative research. Organisational culture, knowledge sharing, and innovation performance are all positively and significantly impacted by TQM, according to the findings. Furthermore, the connection between TQM and innovation performance is moderated to a large extent by both knowledge sharing and organisational culture. This research shows that TQM, supported by a values-driven culture and an emphasis on information sharing, is essential for encouraging innovation.

Analisis Atas Prosedur Pembiayaan Kredit Pemilikan Rumah BTN Platinum

To facilitate its role as a fund distributor to the public, the bank has established credit financing procedures. With these procedures, the bank can process credit financing in a uniform, systematic manner, in accordance with government regulations and the bank's own policies. Credit financing procedures also help the bank assess the feasibility of potential debtors and reduce the risks associated with credit financing. This paper aims to understand the procedures for Home Ownership Loans (Kredit Pemilikan Rumah, KPR) at PT. Bank Tabungan Negara (Persero) Tbk and to determine the alignment of these procedures with general credit financing procedures. This research was conducted at the Bogor Branch Office of PT. Bank Tabungan Negara (Persero) Tbk. The results show that the Home Ownership Loan (KPR) procedures at PT. Bank Tabungan Negara (Persero) Tbk comply with the general Home Ownership Loan (KPR) financing procedures, although there are minor differences due to the specific regulations of PT. Bank Tabungan Negara (Persero) Tbk. The requirements and conditions set by PT. Bank Tabungan Negara (Persero) Tbk are still relatively light and easy to fulfill. However, there are some challenges in the financing procedures, such as system errors and data discrepancies between the information provided by potential debtors and the data available at the civil registry office (disdukcapil). Keywords: Procedures, Credit, Home Ownership Loans

Application of Murabahah Operations on Gold Savings Products on Customer Deposit Fund Profits at Bank Syariah Indonesia (Case Study at Bank Syariah Indonesia Panyabungan Branch Office)

This study aims to determine the "Analysis of Murabahah Operations on Gold Savings Products Against the Profits of Customer Trust Funds at Bank Syariah Indonesia (Case Study of Bank Syariah Indonesia KCP Panyabungan)". This research was conducted at Bank Syariah Indonesia KCP Panyabungan. The method in this study uses qualitative methods with the form of data research (field research). The results showed that operations on gold savings products at Bank Syariah Indonesia KCP Panyabungan use murabahah contracts, but also wadi'ah and istishna' contracts, and the analysis of murabahah operations on gold savings products on deposit fund profits at Bank Syariah Indonesia KCP Panyabungan shows that murabahah contracts are used in sale and purchase transactions on gold savings products with this savings model has special characteristics that make it unique.

Effect of Job Training on Employee Performance Mediated by Employee Quality in The Employment BPJS Branch In Medan Raya

In this study, researchers wanted to see the direct and indirect effects between training variables as independent variables and employee quality as mediating variables and employee performance as the dependent variable. This type of research uses quantitative, this research was conducted at the BPJS Employment BPJS Branch Office in Greater Medan which consists of BPJS Employment Medan City Branch Office, Branch, North Medan, Tanjung Morawan Branch and Binjai Branch. The population of this study was 80 employees and the sample used was all the population using the saturated sample technique. The data source used is primary data sources and data collection is done by distributing questionnaires. The research model used is phat analysis with smart PLS version 3.3.3. as a research measurement tool. The results of this study are as follows Job training has a positive and significant effect on employee performance with an original sample value of 0.463 and P values of 0.000. Job training has a positive and significant effect on employee quality with an original sample value of 0.590 and p values of 0.000. Employee quality has a positive and significant effect on employee performance with an original sample value of 0.511 and p values of 0.000. Job training has a positive and significant effect on employee performance through employee quality directly with original sample results of 0.302 and p values of 0.000

Effect of Transactional Leadership on Work Performance with Organizational Commitment as A Mediating Variable In BPJS Ketenagakerjaan Branch Office Se-Medan Raya

In this study, researchers wanted to see the direct and indirect effects between transactional leadership variables as independent variables and organizational commitment as a mediating variable and work performance as the dependent variable. This type of research uses quantitative, this research was conducted at BPJS Employment Branches throughout Greater Medan consisting of BPJS Employment City Medan Branch Office, North Medan Branch, Tanjung Morawa Branch and Binjai Branch. The population of this study was 82 employees and the sample used was all the population using the saturated sample technique. The data source used is primary data sources and data collection is done by distributing questionnaires. The research model used is phat analysis with smart PLS version 3.3.3. as a research measurement tool. The results of this study are as follows transactional leadership has a positive and significant effect on organizational commitment with an original sample value of 0.683 and P values of 0.000. Transactional leadership has a positive and significant effect on work performance with an original sample value of 0.391 and p values of 0.012. Organizational commitment has a positive and significant effect on job performance with an original sample value of 0.177 and p values of 0.001. Transactional leadership has a positive and significant effect on work performance through organizational commitment directly with the original sample result of 0.124 and p values 0.003.

The Effect of Work-Life Balance and Workload on Employee Performance

Maintaining optimal Employee Performance relies heavily on Work-life Balance and reasonable Workload. An unbalanced Workload can hinder productivity, while a healthy Work-life Balance can encourage more effective and efficient performance. To assess how Employee Performance at BPJS Kesehatan Palu Branch Office is affected by Workload and Work-life Balance. This research uses quantitative methodology, by collecting data from 30 respondents through questionnaires and Google forms and then analyzed using WarpPLS 7.0. The results revealed that Employee Performance is significantly affected by the balance between Work-life Balance and Workload. By examining the impact of Workload and Work-life Balance simultaneously in the public service sector, this study offers a new perspective.

The Factor Analysis of Contactless Services and Its Impact Towards Employee Performance of BPJS Ketenagakerjaan Gresik Branch Office during the Covid 19 Pandemic with Work Family Conflict Mediation

The Factor Analysis of Contactless Services and Its Impact Towards Employee Performance of BPJS Ketenagakerjaan Gresik Branch Office during the Covid 19 Pandemic with Work Family Conflict Mediation

The Effect of Trust, Promotion, and Service Quality on the Decision to Use the Ollin Application

This research was conducted at the Bank Nagari Koto Agung Branch Office, Block B, Sitiung 1, Sitiung District, Dharmasraya Regency. The purpose of this research was to determine the effect of Trust, Promotion, and Service Quality on the Decision to Use the Online Application at the Bank Nagari Koto Agung Branch Office. A quantitative research method was used, with data collected through a questionnaire distributed from February to March, resulting in a sample of 173 respondents selected using Accidental Sampling. The data analysis techniques applied in this study included validity tests, reliability tests, descriptive analysis, correlation analysis, multiple linear regression analysis, classical assumption tests, t-tests, F-tests, and determination tests (R²). The results of this study indicate that Trust, Promotion, and Service Quality variables have a positive and significant effect, both partially and simultaneously, on the Decision to Use the Online Application at the Bank Nagari Koto Agung Branch Office. The R² value is 0.739, which implies that 73.9% of the variation in the dependent variable can be explained by the independent variables, while the remaining 26.1% is influenced by other factors not examined in this study.