Branch Office Research Articles

Analysis of the Implementation of Subsidized Homeownership credit Financing Based on the Concept of Maslahah

This research aims to analyze the implementation of subsidized home ownership credit financing based on the concept of Maslahah at Bank Tabungan Negara, branch office in Jombang. The research method employed is a qualitative case study with six techniques for data collection, including the researcher's direct participation with the research subject and conducting direct interviews with key informants from the financing service department. The research findings reveal that subsidized home ownership credit is one form of financing provided to the community to purchase homes, with the support of the government through collaboration with Bank Tabungan Negara, branch office in Jombang. Bank Tabungan Negara, branch office in Jombang, also offers various flexible repayment schemes to its customers. However, this research has limitations, such as its focus on a single location and an inability to describe variations in implementation at other locations. Furthermore, the research findings can have positive implications, particularly in the development of more effective policies and programs that align with the community's needs, by offering repayment options that suit customers' financial conditions.

Strategy for Improving Service Quality of Fatour Travel Bureau PT. Padang Tourism Choices on the Satisfaction of Hajj and Umrah Pilgrims

The more competitors there are in the Hajj and Umrah travel business and as the interest of prospective pilgrims increases in their interest in carrying out the Hajj and Umrah pilgrimage, the quality of service determines the services of the Padang Fatour Travel Office. Implementing a strategy to improve service quality is the key to pilgrim satisfaction and the success of a Hajj and Umrah travel agency in achieving competitiveness. Every company is required to be able to develop and implement a strategy to improve service quality, thereby resulting in satisfaction for Hajj and Umrah pilgrims. In running a business, the company's service quality must provide services that are by Islamic law, of course, the services provided are services that are approved by Allah SWT with the values of beauty in service and actions that are by what Allah SWT permits and prohibits in carrying out activities. economy. The method used in this research is a qualitative approach, which is a field survey and is descriptive. The data collection methods used by the author in this research are observation, documentation, and interviews. The research results show that the strategy to improve service quality carried out by the Fatour Travel Office on the satisfaction of Hajj and Umrah pilgrims is the first strategy, the Fatour Travel Office must maximize branch offices by utilizing social media as a promotional tool. Second, forming an alumni organization to attract prospective pilgrims and so that congregations return to be loyal or subscribe to the services of the Fatour Travel office. Third, the Fatour Travel Office must create a new program, namely creating weekly ritual activities at least once a week. Because ritual activities are important or core activities when pilgrims before leaving for the holy land carry out the Hajj and Umrah.

Do individualised projects help integrate the long‐term unemployed and disadvantaged people? Lessons from the Czech Republic

AbstractThis article evaluates a national project for the integration of long‐term unemployed and disadvantaged groups of jobseekers implemented in the Czech Republic since 2019. It discusses how individual work and active labour market policy measures for these groups have changed, and what the outcomes were. We combined a quantitative evaluation of the targeting and outcomes of the measures with a qualitative evaluation of changes in the project implementation through semi‐structured interviews and focus group discussions conducted at the Labour Office branches. The findings show the need to broaden the availability of hard measures such as private‐sector placement subsidies for the most disadvantaged jobseekers, and to improve soft measures (counselling and training), especially if front‐line workers do not have sufficient competences for individual work. We are cautious about generalising the findings, as the pandemic complicated the implementation of soft measures.

Marketing Mix Strategy for Mitraguna Berkah Financing Products at Bank Syariah Indonesia Renon Denpasar Branch Office

Bank Syariah Indonesia Renon Denpasar Branch Office as an institution engaged in the financial sector is certainly inseparable from marketing strategies as a support for its growth and development. The marketing strategy aims to support banks in achieving success and as a measure of banking performance. So that a marketing mix is also needed to achieve banking goals and objectives so that it can increase the number of customers in the bank. The focus of the research 1. How is the marketing mix strategy of mitraguna blessing financing products in increasing the number of customers at PT Bank Syariah Indonesia Renon Denpasar Branch Office? 2. What are the obstacles faced in implementing the marketing mix strategy for mitraguna blessing financing products to increase the number of customers at PT Bank Syariah Indonesia Renon Denpasar Branch Office? Research Objectives 1. To find out the application of the marketing mix strategy of financing mitraguna blessing in increasing the number of customers at PT Bank Syariah Indonesia Renon Denpasar Branch Office. 2. To find out the obstacles faced in implementing the marketing mix strategy of financing products mitraguna blessing to increase the number of customers at PT Bank Syariah

Application of Murabahah Agreement in Griya Takeover Financing (Case Study at BSI Sub Branch Office Kuta)

Griya Takeover Financing is one of the financing companies owned by BSI KCP Kuta to meet customers' financial needs. However, this financing often encounters problems in the takeover process. The aims of this study are: to find out the factors that lead to a murabahah contract in the financing of a takeover griya at BSI KCP Kuta and to find out the process of financing the griya takeover at BSI KCP Kuta. The research method used is a descriptive qualitative method with data collection techniques through observation, interviews, and documentation. The data analysis technique used is the Miles and Huberman model, which includes data collection, data reduction, data presentation, and data verification. data validity technique with the triangulation technique. The results of the study found: 1) There are factors that cause a murabaha contract to occur, namely the presence of the object of the contract; 2) The murabaha contract process by submitting asset documents to the consumer as a sign of consent qabul with the consumer. And financing for takeover houses that are free from usury in accordance with the Fatwa of the National Sharia Council, MUI No.04/DSN-MUI/IV/2000, dated April 1, 2000, conceming murabaha.; 3) The process of financing takeover housing includes BSI having the terms and benefits of financing takeover housing. To attract consumer, as well as with light installments, one of the benefits of takeover financing at BSI is that consumers still feel able to meet other needs.

Implementasi Geografic Information System (GIS) untuk Menentukan Kantor Cabang Imaba Jabodetabek dengan Menggunakan Metode Location Based Service (LBD) Berbasis Android (Studi Kasus: Ikatan Mahasiswa Bata-Bata Jabodetabek)

Imaba Jabodetabek is one of the organizations consisting of Bata-Bata alumni who have been active since 2009. Imaba has several branch offices in Jabodetabek. Not only alumni members but there are also sympathizing members, sympathizing members are alumni from other pesantren who join to become Imaba members. Imaba Jabodetabek now has several branch offices spread across the Jabodetabek area. However, there are obstacles experienced by Imaba Jabodetabek members. When alumni, new members and guests who want to visit the Jabodetabek imaba office find it difficult to find the location of branch offices spread across Jabodetabek. So that alumni, new members and guests are often late when attending events at Imaba Jabodetabek. To make it easier to find the location of Imaba branch offices in Jabodetabek. In this study the authors aim to implement a Geograohic Information System (GIS) using the Location Based Service (LBS) method using android studio, as well as a MySQL database as data storage for branch office search reports as well as road data and other information. And the author uses the RAD method in making the design flow. It is hoped that the creation of this android-based Geographic Information System application can make it easier for Imaba alumni, new members and Imaba guests to find information on the location of branch offices and also the contacts of each branch office located in the Jabodetabek area.

Analisis Pengaruh Budaya Organisasi, Kompetensi, Kompensasi, Dan Motivasi Kerja Terhadap Kinerja Karyawan Di Bank Syariah Indonesia Kantor Cabang Pembantu Jepara

This study aims to analyze and obtain empirical evidence regarding the effect of organizational culture, competence, compensation, and work motivation on employee performance in Bank Syariah Indonesia Sub-Branch Office Jepara Pemuda 1 and Sub-Branch Office Jepara Pemuda 2 either simultaneously or partially. The population of the data used in this study includes all employees consisting of two branch offices, namely Bank Syariah Indonesia, Jepara Pemuda 1 Sub-Branch Office and Jepara Pemuda 2 Sub-Branch Office as many as 36 employees. Primary data obtained through the distribution of questionnaires. The data analysis model uses multiple linear regression analysis model. The results of the analysis and discussion show that the variables of organizational culture, competence, compensation, and work motivation simultaneously and partially have a significant effect on employee performance at Bank Syariah Indonesia Sub-Branch Office Jepara Pemuda 1 and Sub-Branch Office Jepara Pemuda 2.

PENGARUH KUALITAS PELAYANAN M-BANKING, BRAND IMAGE, CELEBRITY ENDORSEMENT TERHADAP LOYALITAS NASABAH DENGAN KEPUASAN NASABAH SEBAGAI VARIABEL MEDIASI

The tight selection of the banking world today makes customers more critical to make choices. In order to create customer satisfaction which is an expectation in the use of services and the use of banking facilities, banks through customer satisfaction continue to strive for customer loyalty. This study aims to examine the effect of M-Banking Service Quality, Brand Image, Celebrity Endorsement on Customer Loyalty with Customer Satisfaction as a Mediating Variable. This research was conducted at BRI Tabanan Branch Office. The research population is all customers who make transactions at BRI Tabanan Branch. Structural equation model is used as a data analysis technique in this paper. This study concluded that

Financial inclusion and poverty alleviation: Does it work? (Studies in lower-middle-income countries)

A stable financial system can build a country's economy. Financial inclusion is one of the strategies undertaken to improve the economy and alleviate poverty. Poverty is a troubling problem for every country. Both developing and developed countries face poverty. Therefore, poverty must be eradicated immediately. This study analyzes financial inclusion in poverty alleviation in five lower-middle-income countries (Indonesia, Myanmar, Laos, Pakistan, and Bangladesh). The variables used in this study are the number of credit accounts, the number of savings accounts, the number of debits, the number of bank branch offices, and economic growth. This research uses secondary data or time series from 2010-2020. The method used in this study is the ARDL Panel method. The panel shows that countries with leading indicators for poverty alleviation are Indonesia, Myanmar, and Pakistan. Meanwhile, the leading indicators variables are the number of creditors, the amount of savings, and the number of debits in the five lower-middle-income countries.

Pengaruh Media Digital, Pengembangan Karir dan Pelatihan Kerja Terhadap Kualitas Pelayanan Kepada Masyarakat Pada Kantor BPJS

This research was conducted with the aim of determining the influence of job training variables on the quality of service to the community at the BPJS Health Langsa Branch Office. The research was conducted using a quantitative approach. The research technique used distributing questionnaires (Likert scale questionnaires) to 46 research respondents. The research results show that: 1) Digital media has a negative and insignificant effect on the quality of service to the community at the BPJS Health Langsa Branch office. The results of this research are based on the coefficient value tcount < ttable, namely - 1,730 < 1.680 with a significance of 0.091 > 0.05. It was concluded that the research hypothesis H₀ was accepted and H1 was rejected. This means that there is no influence between digital media on the quality of service at the Langsa Branch BPJS Health Office. 2) Career development has a positive and significant effect on the quality of service to the community at the Langsa Branch BPJS Health Office. The results of this research are based on the coefficient value tcount > ttable, namely 19,697 > 1.680 with a significance of 0.000 < 0.05. It was concluded that the research hypothesis H0 was rejected and H2 was accepted. This means that there is an influence between development on the quality of service at the Langsa Branch BPJS Health Office, 3) Job training has a positive and significant effect on the quality of service to the community at the Langsa Branch BPJS Health Office. The results of this research are based on the coefficient value tcount < ttable, namely 4,355 > 1.680 with a significance of 0.000 > 0.05. It was concluded that the research hypothesis H0 was rejected and H3 was accepted. This means that there is an influence between job training on the quality of service at the Langsa Branch BPJS Health Office. 4) Digital media, career development and job training simultaneously or together have a positive effect on the quality of service to the community at the Langsa Branch BPJS Health Office. The results of this research can be seen from Digital Media (X1), Career Development (X2), Job Training (X3) with a significant value of α 0.000 < 0.05 and a value of Fcount > Ftable (972,032 > 3.21). Based on the ANOVA table, the significance level used is 0.05. Thus, the decision is obtained that H0 is rejected and H4 is accepted. Therefore, this research is suitable to be used because the independent variable has a positive effect on the dependent variable.

ASEAN-5 Economic Analysis Based on Financial Inclusion and Financial Technology

This research aims to find leading economic indicators in each ASEAN-5 country based on financial inclusion and FinTech. Five ASEAN developing countries, Indonesia, the Philippines, Vietnam, Malaysia, and Thailand, were used as observations from 2009 to 2019. The analysis method of this study used the ARDL Panel approach. The results obtained from the ARDL Panel model are: (1) Leading economic fundamental indicators of unemployment rates in Indonesia, the Philippines, Vietnam, Malaysia, and Thailand are through the variable number of bank branches, savings, and e-money (2) Leading indicators of economic fundamentals Inflation rates in Indonesia, the Philippines, Vietnam, and Malaysia are through savings and e-money variables (3) Thailand is the chosen country because the three observation variables, namely the number of bank branch offices, savings, and e-money, can become leading indicators of economic fundamentals for controlling inflation rates.

Implementasi Budaya Organisasi dalam Meningkatkan Produktivitas Kerja di Bank Muamalat Kantor Cabang Denpasar

The objectives of this research are: 1). To find out the implementation of organizational culture in increasing work productivity at Bank Muamalat Denpasar Branch Office. 2). To find out how each employee increases work productivity at Bank Muamalat Denpasar Branch Office? The research methodology used is descriptive qualitative research using triangulation in testing credibility. The informants in this study were 6 employees who worked at Bank Muamalat Denpasar Branch Office. As well as data collection techniques in the form of: interviews, documentation and observation. Based on the results of the research, Bank Muamalat Denpasar Branch Office has implemented ideal corporate culture values properly and correctly. Where the organizational culture is applied as motivation for each employee to be more disciplined and have character in the application of organizational culture when carrying out their duties. The application of organizational culture can increase the work productivity of employees which can be seen from the achievements of the company. So that the organizational culture applied so far has been running well and in accordance with sharia principles.
 
 

Asset Maintenance Monitoring Application: A Case Study of a Government Bank Branch Office

Asset management in a company is essential to do. Asset management may include record keeping, maintenance, and management environment further. Recording information asset owned by a company is the primary and most important thing to do to record data assets owned by the company. The existence of definite information about the asset owned by a company will provide convenience for the company that is and automatically, the company will also easier to carry out the asset management process further. One of the governments in the Jakarta Branch, which has assets, should be maintained. Recording information assets in one of the government banks, Jakarta Branch, is only partially managed with a computerized system. The process of recording data assets is still done manually and also not maximum. This research developed an Asset Monitoring Application Maintenance feature that can do registration detail information about the attributes and Monitoring of existing assets and Online Work Order. The software development model used in this study is the waterfall model. This thesis will explain the activities in each development phase. With this application, all the attributes of data assets owned by the company can be well identified and inventoried so that the process of monitoring assets is more optimum and easier to do

Title the Effect of Financing Distribution, Restructuring and Portfolio at Risk (PAR) on PNM Surabaya Branch Office Revenue During the Covid-19 Pandemic

This research was conducted at PT PNM Surabaya Branch for the period 2019-2021 aims to examine the influence of the Effect of Financing Distribution, Restructuring, and Portfolio at Risk (PAR) on PNM Surabaya Branch Office Revenue during the Covid-19 Pandemic. Independent variables are Financing Distribution, Restructuring and Portfolio at Risk (PAR). The dependent variable is PNM Surabaya Branch office Revenue. This research design is quantitative research with use of SPSS version 22, secondary data type. The regression analysis testing, anova test and Residuals test. The results show, based on the anova test (T-test), that partially the distribution of financing, restructuring and portfolio at risk (PAR) has a simultaneous effect on revenue. While based on the Multicollinearity Test, Financing Distribution and Portfolio at Risk (PAR) have no significant effect on revenue of PNM Surabaya Branch office. while restructuring has a very significant effect on the revenue of PNM Surabaya branch office

Analisis Proses Rekrutmen pada PT. Kereta Api Indonesia Daerah Operasional 9 di Jember

This study aims to analyze the recruitment process carried out by PT. Kereta Api Indonesia DAOP 9 in Jember in order to meet the need for manpower. The method used is descriptive qualitative research by observing, interviewing, and direct documentation. The results of this study indicate that the recruitment process of PT. KAI is carried out by following the company's Workload globally. Recruitment conducted by PT. KAI is a process of fulfilling the need for workers in each branch office. Thus, in practice it does not prioritize the needs of each but prioritizes the needs of PT. Indonesian Railways as a whole. The implementation policy is carried out based on the results of the head office's considerations and decisions to obtain workers according to the existing qualifications and apply the same in each branch.

Etika, Disiplin Kerja dan Lingkungan Kerja Terhadap Kinerja Pegawai pada PT. Bank Rakyat Indonesia KC Jemursari Kota Surabaya

This research aims to determine ethics, work discipline and work environment on the performance of PT employees. Bank Rakyat Indonesia Jemursari Branch Office, Surabaya City. The research method used is quantitative research. By type and source of primary data. The results of this research are (1) ethics has no effect on the performance of PT employees. Bank Rakyat Indonesia KC Jemursari Surabaya City with a significance of 0.499 > 0.05, (2) work discipline influences the performance of PT employees. Bank Rakyat Indonesia KC Jemursari Surabaya City with a significance of 0.000 <0.05, (3) the work environment influences the performance of PT employees. Bank Rakyat Indonesia KC Jemursari, Surabaya City with a significance of 0.000 < 0.05. Conclusion, ethics has no effect on the performance of PT employees. Bank Rakyat Indonesia KC Jemursari Surabaya City, while work discipline and work environment influence the performance of PT employees. Bank Rakyat Indonesia KC Jemursari Surabaya City.
 Keywords: Work Discipline, Ethics, Employee Performance, Work Environment

Differences in Brand Image Perceptions of Beras Kami and Mentik Wangi Rice among Bulog Kancab Semarang Customers

This research aims to determine consumer perceptions of the brand image of Beras Kita and Beras Mentik Wangi, especially customers of the Perum Bulog Semarang Branch Office. The research method used in this research is observation and questionnaires distributed to consumers. Observations were carried out during the internship activities, namely when participating in the bazaar and questionnaires were distributed to customers where the sample taken was 65 respondents. The six indicators used in this questionnaire are awareness, quality, CSR, social image, geographical origin, and uniqueness. The results of this research show that there is a significant difference in perception between Beras Kita and Beras Mentik Wangi where consumers have the perception that Beras Mentik Wangi has a better brand image than Beras Kita. Improvements are needed to increase consumer perceptions of Beras Kita so that in the future customers will judge that Beras Kita has a positive brand image. The results of this research show that there is a significant difference in perception between Beras Kita and Beras Mentik Wangi where consumers have the perception that Beras Mentik Wangi has a better brand image than Beras Kita. Improvements are needed to increase consumer perceptions of Beras Kita so that in the future customers will judge that Beras Kita has a positive brand image. The results of this research show that there is a significant difference in perception between Beras Kita and Beras Mentik Wangi where consumers have the perception that Beras Mentik Wangi has a better brand image than Beras Kita. Improvements are needed to increase consumer perceptions of Beras Kita so that in the future customers will judge that Beras Kita has a positive brand image.

Die GfM als gesamtdeutsche Gesellschaft


 
 
 The “Gesellschaft für Musikforschung” (GfM) was, from its foundation until 1968, the professional representation of musicologists in all German occupation zones and of both German states. Since the establishment of the branch office in Leipzig (1954), the GfM was politically instrumentalized by the GDR party and state apparatus as well as by musicologists loyal to the SED. The most important goal was the creation of two sections representing East and West Germany respectively; alternatively, the foundation of a separate musicological society in the GDR was prepared. These efforts were intensified after the construction of the Berlin Wall (1961). A central role was played by Karl Laux, the director of the Dresden Music Academy, and a personal friend of GfM president Friedrich Blume. Following a decision of the Secretariat of the Central Committee of the SED on April 5, 1967, the GfM finally had to end its activities in the GDR in September 1968, and East-German musicologists joined the “Verband Deutscher Komponisten”.
 
 

ANALISIS YURIDIS UNDANG-UNDANG NOMOR 30 TAHUN 1999 TERHADAP PENYELESAIAN SENGKETA KREDIT PERBANKAN DI BIDANG KEPEMILIKAN RUMAH

Home Ownership Credit, known as KPR, is a banking product in credit, which is currently still regulated in Regulation Number 10 of 1998 concerning Changes to Regulation Number 7 of 1992 concerning Banking or alluded to as the Financial Regulation. In granting housing loans, creditors also sometimes find problems that there are debtors who default, resulting in bad credit. The targets of this study are: To start with, to figure out the gatherings who have privileges and commitments in the House purchasing Credit Arrangement at Bank Maybank Batam; Second, to figure out the reasons for terrible credit on contracts at Bank Maybank Batam, Third, to figure out ways of settling awful advances on contracts utilized by Bank Maybank Batam. The examination technique that specialists use in this kind of exploration is experimental juridical. The data collection technique used was in the form of direct interviews with informants from the Maybank Bank Batam Main Branch Office located in Jodoh. Furthermore, to complete the information from the informants, the researchers asked customers to provide answers to the questions given in the form of questionnaires. The research results that can be described in this paper are: First, the parties who make credit are called: debtors and creditors and they also have rights and obligations; Second, the occurrence of bad credit experienced by Bank Maybank Batam can be seen based on 2 (two) factors, namely: a. the internal factor that causes bad credit is the weak credit administration and supervisory system, b. weak bad credit information system. In addition, external factors that cause bad credit are disappointment of the indebted person's business, debacle for the debt holder or the borrower's business activities in credit settlement.
 Keywords : Banks; Credit agreement; House; Ownership Credit.

PERANCANGAN SISTEM INFORMASI LAYANAN GADAI EMAS MENGGUNAKAN MICROSOFT VISUAL STUDIO PADA BANK SYARIAH INDONESIA KC CIMAHI

Bank Syariah Indonesia is a bank that emerged from a merger between PT Bank BRI Syariah Tbk, PT Bank Syariah Mandiri, and PT Bank BNI Syariah. The consolidation between the three Islamic banks resulted in more complete services, greater coverage, and more optimal funding capacity. One of the services from BSI is the Gold Pawn Service, which is a lending product based on gold as collateral as a practical way to obtain cash. The purpose of the research that designed the Gold Pawn Service information system was to facilitate recording and reporting of all activities in the Gold Pawn Service. Technology in designing the Gold Pawn Service information system using Microsoft Visual Studio with Microsoft Access as database. This research resulted in the design of a Gold Pawn Service financing simulation information system that features news information and knowledge about calculations and explanations of gold pawn service financing products at Bank Syariah Indonesia at Cimahi Branch Office.