Branch Office Research Articles

ANALYSIS OF THE APPLICATION OF THE STATEMENT OF FINANCIAL ACCOUNTING STANDARDS (PSAK) 106 CONCERNING MUSYARAKAH FINANCING AT BANK BRI SYARIAH BRANCH OFFICE BANDUNG CITARUM

AbstractThis study aims to determine the suitability of applying accounting treatment regarding the recognition, measurement, presentation, and disclosure of financial statements of musyarakah financing transactions with PSAK No. 106 at BRI Syariah Branch Office Bandung Citarum in 2019. This research is a field study with a qualitative approach. The subject of research is at BRI Syariah Branch Office Bandung Citarum. In contrast, the object of research is the recognition, measurement, presentation, and disclosure of financial statements of musyarakah financing transactions in 2019. Data collection techniques in research using interviews and documentation. The results of this study show that : (1) the recognition of musyarakah financing accounting is not entirely by PSAK No. 106 because profit sharing income is calculated based on projections and losses due to accidents are the responsibility of customers, with discounts given; (2) accounting measurement of musyarakah financing by PSAK No. 106; (3) the presentation of musyarakah financing accounting is not by PSAK No. 106 because the cash handed over to customers is presented as musyarakah financing: (4) the disclosure of musyarakah financing accounting is not by PSAK No. 106 because BRI Syariah Branch Office Bandung Citarum does not make notes to the financial statements.Keywords: Musyarakah Financing, Statement of Financial Accounting Standards (PSAK) No. 1

The Importance of Leadership, Organizational Culture, and Work Environment against the Employee Performance of BPJS Kesehatan in Karawang Branch Office Business

This research aims to explore and reveals the effect cause by leadership, organizational culture, and work environment towards the performance of BPJS Kesehatan’s employees at Karawang Branch Office. Descriptive and verification method has been used in this study through quantitative approach. The research population of this study amounted to 126 people, while the sample used was 100 respondents who were exactly the employees of BPJS kesehatan at Karawang Branch Office which selected by simple random sampling technique. Data research was gathered through questionnaire which then analyzed using scale range analysis and path analysis. The results of this research indicates that 1) There is influence occurred between leadership and organizational culture that categorize as low level of correlation with positive value 2) There is correlation between organizational culture and work environment which categorize as low level of correlation and positive value 3) There is correlation between leadership and work environment which categorize as low level of correlation with positive direction 4) leadership, work culture, and work environment are capable to improve the performance of BPJS Kesehatan employees at Karawang Branch Office both partially or simultaneously.

Excellent Service: Studi Implementasi pada Koperasi Syariah

Excellent Service is an effort to keep customers always using the services of BMT Al-Hijrah KAN Jabung Syariah Wates Branch Office, Exellent Service BMT Al-Hijrah KAN Jabung Syariah Wates Branch Office is expected to be able to dominate market share in order to attract new customers to increase and maintain customers who have long used the services of BMT Al-Hijrah KAN Jabung Syariah Wates Branch Office in the world of conventional financial institution market competition. Researchers use a qualitative methodology with a case study approach, using dissected information not in a numerical framework. Data collection techniques are carried out by collecting data, data reduction, data presentation and drawing conclusions. The results of this study indicate that the implementation of excellent service at BMT Al-Hijrah KAN Jabung Wates Branch in the Security, Customer Service, Teller and AO sections is in accordance with the concept of excellent service in financial institutions in general.

PENGARUH MARKETING MIX TERHADAP PENGAMBILAN KEPUTUSAN NASABAH MEMILIH BANK SYARIAH MANDIRI

The development of Islamic banks in Indonesia itself is quite good. In 2016 there were 13 Islamic commercial banks with 473 branch offices with 1207 sub-branches and 189 cash offices. In total, there are 1869 Islamic bank branches spread throughout Indonesia (OJK Sharia Banking Statistics, 2016). This situation makes the competition tighter so that building a good management system is a very important strategy. We can see how consumer attitudes are faced with many choices, all of which require decision making. The increasingly fierce competition level supports Bank Syariah Mandiri to further improve a good management system and establish good relationships so that customer interest increases. The application of the Marketing Mix is expected to be a good management system between banks and customers in an effort to increase customer interest in choosing Bank Mandiri Syariah. The purpose of this study is to determine the effect of the marketing mix on customer decision making to choose Bank Syariah Mandiri. The research method used in this research is quantitative analysis method. The type of research that will be used is associative research (relationship). The instrument used in this study was a questionnaire distributed to 100 customers of Bank Syariah Mandiri Kaliurang Yogyakarta Branch. The population in this study were all customers of Bank Syariah Mandiri, with the sampling technique using the Simple Random Sampling technique. The data analysis technique used for this research is multiple linear regression analysis technique which will then know the results. Based on hypothesis analysis using multiple linear regression analysis method, it was obtained that all independent variables including product, promotion, place, process and physical evidence had a positive and significant effect on decision making simultaneously or partially with an F ratio/count value of 6.720 and F table of 2 ,31. An effect is said to be significant if the calculated F is greater than F table (6,720>2,31). partially obtained the results of the product factor of 0.617, promotion of 0.490, place factor of 0.343, process factor of 0.247, physical evidence factor of 0.101. for the results of the T test, the most dominant results are the process factor of 0.294, followed by the place factor of 0.233, the promotion factor of 0.177, the physical evidence factor of 0.145, and the product factor of 0.136.

Distribusi Pupuk Non Subsidi Pada PT Sang Hyang Seri (PERSERO) Bengkulu Marketing Branch Office

Agriculture as a vital role in the Indonesian economy in meeting all the basic needs of the community requires supporting factors in the production process. Fertilizers have an important role in increasing agricultural productivity, so it is necessary to distribute fertilizers evenly throughout the region. PT Sang Hyang Seri (Persero) Bengkulu marketing branch office is a subsidiary of a state-owned company that is a distributor of non-subsidized fertilizers in the Bengkulu region. This research was conducted using data tabulation and table matrix methods with data obtained from observations and interviews. This research shows that PT Sang Hyang Seri (Persero) Bengkulu marketing branch office distributes three types of non-subsidized fertilizers in the form of SP-18 Bintang Kuda Laut, KCl Ex Belarus, and NPK Jatiwangi with two marketing alternatives, which are directly to farmers and through kiosk intermediaries. In addition, in its distribution there are five obstacles experienced, namely, 1) price competition; 2) uncertain availability of non-subsidized fertilizer stocks; 3) farmers' purchasing decisions; 4) still lack of maximum promotion; and 5) still lack of human resources.

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

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

Pengaruh Corporate Image Dan Kualitas Pelayanan Terhadap Kepuasan Pelanggan Pada PT POS Indonesia (Persero) Kantor Pos Cimahi

Indonesia is a country that has many provinces so that goods delivery services are needed by the community and organizations to distribute goods between cities. Seeing the many companies in the field of freight forwarding services, every company competes in providing its best service in order to get the attention of the public, including one of which is PT Pos Indonesia Cimahi Branch Office. This study aims to analyze the effect of corporate image and service quality on customer satisfaction at PT Pos Indonesia Cimahi Branch Office. The method in this research is descriptive and verification with a quantitative approach. The research sample was drawn based on probability sampling with random sampling with a total sample of 100 people and data analysis techniques using the classical assumption test, multiple linear regression analysis, multiple correlation analysis, and analysis of the coefficient of determination. The result of the coefficient of determination (R Square) obtained is 0.739. From the value of the coefficient of determination, it is known that the influence of corporate image and service quality on customer satisfaction is 73.9%, then the remaining 26.1% is influenced by other factors not examined. Suggestions for continuing research that aims to find out other variables that play a role in realizing customer satisfaction, should be expanded by adding other variables such as information quality and customer trust.

Kapabilitas Relationship Marketing Terhadap Kepuasan Nasabah Pada PT. Bank Rakyat Indonesia (PERSERO) TBK. Cabang Unit Peranap Kabupaten Indragiri Hulu

This study aims to analyze the effect of relationship marketing on PT. Bank Rakyat Indonesia (Persero) Tbk. The Branch Office of the Peranap Unit as well as analyzing customer satisfaction at PT. Bank Rakyat Indonesia (Persero) Tbk. Peranap Unit Branch Office. This study also aims to analyze the effect of relationship marketing on customer satisfaction at PT. Bank Rakyat Indonesia (Persero) Tbk. Unit Branch Office). To determine the effect of these variables, relationship marketing indicators are used, which consist of trust, commitment, communication, and conflict handling. While the indicators used by the customer satisfaction variable consist of repurchase intentions, willingness to recommend, and confirmation of expectations. This research method uses a quantitative method with a descriptive approach. Data processing using data analysis techniques validity test, reliability test, simple linear regression test, t test (partial), and test the coefficient of determination (r) using the SPSS.25 application. Based on the tests conducted, the results obtained that relationship marketing affects customer satisfaction and the rest is influenced by other factors not observed in this study.

Development of Robotic Process Automation for Scraping Prospective Customer Data and Implementation Haversine in PT. XYZ

PT XYZ is a finance company that engages in lending. Its activities include branch offices, aiming to increase new customer acquisition. Prospective customer data is required to determine their potential and the location of the nearest branch office. PT. XYZ previously used a third party, but the result was not equal to what was required, and the company was forced to pay to obtain data equal to what was required. Google Maps is a data source that is utilized and freely accessible. This study scraped prospective customer data using robotic process automation. Robotic process automation was developed using UiPath with Google Maps and Plus Codes as data sources. The Haversine method is used to determine the location of the nearest branch office. 595 prospective customer records were obtained through robotic process automation using seven search keywords. The result for 579 prospective customers is correct, but the result for 16 is incorrect. Haversine Method applies to 582 prospective customer records; however, the remaining records lack latitude and longitude, making Haversine Method inapplicable.

The Effect of Work Discipline, Work Experience and Turnover Intention on Employee Performance at PT. Permodalan Nasional Madani Banjarmasin Branch Office

The objective of this research is to investigate how work discipline, work experience, and turnover intention affect the performance of employees working at PT. Permodalan Nasional Madani Banjarmasin Branch Office. The methodology employed involves the distribution of a questionnaire through online platforms to collect data from a sample of 100 respondents. Structural Equation Modeling (SEM) based on SmartPLS is used to conduct statistical tests. The findings of the study suggest that work discipline and work experience have a positive and significant impact on employee performance, while turnover intention has a negative and significant impact on employee performance

Analisis Sistem Administrasi Dan Keuangan Pada PERUM BULOG Kantor Cabang Batam

Public Company (PERUM) BULOG is a food institution or company that implements and supports government program policies in the field of economy and national development in general, especially in the field of food logistics and optimizing the use of company resources. The research objective was to analyze the administrative and financial systems that run at PERUM BULOG Batam Branch Office. The research uses a qualitative descriptive approach, namely presenting the results of the analysis found on administration and finance at PERUM BULOG KC Batam. Data collection by interviews, observation and documentation of respondents and data sources analyzed. The results of the analysis show that administrative and financial activities at PERUM BULOG Batam Branch Office consist of Depositing the Sales of Medium Rice / KPSH; Confirming Payment and Transferring Sales Proceeds to Sales Orders (SO) KPSH; Confirming Payment and Transferring Sales Proceeds to Commercial Sales Orders (SO); ; Treasury Monitoring Sales Administration Application; Invoice Sheet for Settlement of Sales Proceeds; Checks to be cashed; and File Archive Storage Cabinets. In the end, the role of the design of the financial administration system can help avoid mistakes. Making work more precise, fast and accurate so as to increase effectiveness and productivity.

DIGITAL BANKING CHANNEL SUSTAINABILITY: IS IT EFFECTIVE TO USE?

The digital banking channel benefits customers in conducting banking transactions. However, many customers still depend on transactions directly from banking branch offices. This study intends to examine the factors that can increase the adoption of digital banking. Six hundred seventy-five respondents participated in this survey of customers utilising digital banking channels to conduct their banking transactions. Respondents were invited to complete a questionnaire that was made available online. The answers were then compiled and analysed using SEM Lisrel. Based on the findings of the study, the level of self-efficacy of customers as well as the quality of information they receive significantly impacts their ability to comprehend the advantages of digital banking. The respondents’ adoption of digital banking is significantly influenced by another element known as perceived usefulness, which is the most important component. This research highlights the vital role of self-efficacy and information quality in supporting the development of the TAM model. According to the respondents, the reliability of information and operational support in dealing with problems received from digital banking providers are essential factors for a high level of usefulness.

Reinvestigate how education and work experience determine work ethic of employee

The research described is a quantitative study conducted at companies engaged in financing at the XYZ Finance branch office in Makassar City. The study aimed to investigate how education and work experience support the work ethic of employees in the financial sector, where work demands, workload, and stress are high. Education and work experience were used as independent variables, while work ethic was the dependent variable. A total of 61 respondents were selected through a simple random sampling technique, and data was collected using a questionnaire technique. The results of the study showed that work experience had a positive and partially significant effect on work ethic, while education had a partial and insignificant effect on work ethic. This finding is consistent with the idea that more experience in a particular field can lead to a better work ethic. However, it is important to note that the significance of education than work experience can vary depending on the specific field and industry. To ensure the validity and reliability of the study's results, the researchers conducted validity and reliability tests, as well as classical assumption tests in the form of normality, multicollinearity, and heteroscedasticity tests. Additionally, this research used multiple regression tests, t-tests, and the coefficient of determination to analyze the data. Overall, this research highlights the importance of work experience in developing a strong work ethic, particularly in high-stress industries such as the financial sector. However, it is also important to continue to prioritize education and training to ensure that employees have the necessary knowledge and skills to succeed in their career.

Determining Factors Analysis of Traders in Taking Financing at KSPPS BMT Ben Sejahtera KCU Kroya

KSPPS BMT Ben Sejahtera KCU Kroya is the main branch office which is in the same location as the KSPPS BMT Ben Sejahtera Kroya head office, so when compared to other branch offices, of course BMT Ben Sejahtera Kroya has more complete services. However, in practice there are not a few problems encountered, namely the trader's decision to use financing products which results in the number of members of the financing realization experiencing instability every month. This study aims to determine whether cultural factors, social factors, personal factors and psychological factors influence traders' decisions in making financing at KSPPS BMT Ben Sejahtera KCU Kroya. This research uses quantitative methods. The population is traders who take financing from KSPPS BMT Ben Sejahtera KCU Kroya in 2021. The number of samples used is 60 respondents. The sampling technique uses Nonprobability Sampling by Purposive Sampling. The results showed that the variables of cultural factors and social factors partially had no effect on traders' decisions in making financing at KSPPS BMT Ben Sejahtera KCU Kroya. Meanwhile, personal factor variables partially have a negative effect on traders' decisions in making financing at KSPPS BMT Ben Sejahtera KCU Kroya. psychological factor variables partially influence traders' decisions in making financing at KSPPS BMT Ben Sejahtera KCU Kroya. Variable cultural factors, social factors, personal factors and psychological factors simultaneously influence traders' decisions in making financing at KSPPS BMT Ben Sejahtera KCU Kroya. Keywords: Cultural Factors, Social Factors, Personal Factors, Psychological Factors.

PENERAPAN FAILOVER NETWORK MENGGUNAKAN JARINGAN VPN DAN JARINGAN WIRELESS POINT-TO-POINT PADA DISTANCE BUILDING DI PT. TITIPAN KILAT RIAU

This research is intended to build a network that that can connect branch offices with main office buildings in a company. This is done in order to create all performance connected to a company network that can improve and run well, so as to be able to support the company's business processes. At the stage of meeting company needs and in an effort to overcome problems in the network used technology that can always be online with the expectation of quality of services (QoS) approaching 100%.. The technology applied uses two communication lines, the first connection line is point-to-point wireless and the second connection line applies a Virtual Private Network (VPN) with the use of the internet. Handles failover on both network communication connections used by the mikrotik router. This allows if one connection is lost, the other connection line will automatically become a backup line. In this failed network simulation, it shows satisfactory results, as can be seen from the communication performance that runs without feeling tired of traffic. The application of this method can also operate without involving humans. In addition, the results of the measurement of the time lag required for switching connection lines have an average delay value of not more than 4.97 seconds.

Prediction of Student Decisions in Choosing the Type of Bank Using Support Vector Machine (SVM)

A bank is an intermediate financial institution authorized to take deposits, lend money, and issue promissory notes or banknotes. In the present day, every adult must have at least one bank account. Additionally, bank services range from regular and hajj savings to large-scale loans. Students, one of the bank’s customers, usually utilize services confined to savings to preserve pocket money received from their parents and ordinary transactions like transfers and payments. Several factors, including the atmosphere, administrative fees, and the accessibility of ATMs and bank branch offices, impact students’ decisions about where to save money. It prevents the bank from predicting which services must be enhanced to encourage customers, particularly students, to select the bank. Therefore, prediction is required to ascertain the students’ choice of bank. This study employed data mining and the Support Vector Machine (LibSVM) algorithm. The quantity of data impacted the outcomes of the SVM classification. In addition, kernel types, k-fold values, and sampling techniques also influenced classification accuracy. LibSVM with a kernel type of RBF, a k-fold of 8, and shuffled sampling classified 200 data with an accuracy of 68.40%.

Selection of The Best Location for Opening A Branch Office: A Case Study on Bank X

Branch offices for a bank have a strategic role to build closeness with customers and improve service quality. Determining a branch’s location is an important decision that must consider various criteria. A branch office of Bank X faces problems related to the condition of the branch office, in addition to the traffic jam is also the narrowness of the available parking lots. This study aims to conduct an alternative location ranking study to obtain the best location for the relocation of the branch office. The analysis was carried out qualitatively and quantitatively, by implementing the Analytic Hierarchy Process (AHP) for alternative locations by considering various aspects. Focus Group Discussion (FGD) and observation were undertaken to collect data. There are three alternative locations that can be selected for the relocation of the branch office. Applying the AHP shows that Jl. Raya P3 is the best location for the relocation of Bank X Branch Office. To relocate the branch office, a comprehensive study is needed in the form of a feasibility study for the selected and due diligence location with the manager during the land acquisition process so that it is clear and clean.

A Latter-day Saint Apostle's Perception of the Southern Bazaar of Liverpool, October 1864

A Latter-day Saint Apostle's Perception of the Southern Bazaar of Liverpool, October 1864

Analysis of Sentiment Adiraku App Reviews on Google Play Store Using Vector Machine Support Algorithm and Naïve Bayes

The Adiraku application is considered to be able to facilitate and facilitate customers so that there is no need to come to the branch office to get information related to the number of installments that must be paid, due dates, credit simulations, and Adira Finance information offers to customers. A large number of reviews from users received makes it difficult for developers to read them, it will take too much time and effort if they have to read and analyze them manually. To find out which reviews are classified as positive or negative reviews. need a sentiment analysis of the review. This study aims to find out how the opinions or opinions of its users on the services of the application, by analyzing these sentiments through a classification process using two algorithms, namely Support Vector Machine and Naïve Bayes. The data used amounted to 2000 data obtained from Google Playstore. Data is labeled into 2 classes namely positive class and negative. Furthermore, the data is divided into 70% training data and 30% testing data and methods used for testing using Bernoulli Naïve Bayes and Linear Kernel. It was concluded that the number of user reviews of the Adiraku application on the Google Play Store showed more positive comments, amounting to 1412 positive and negative reviews, which was 588 reviews. The Support Vector Machine algorithm performs better by getting the best accuracy value of 96%, while the Naïve Bayes algorithm gets an accuracy value of 85%.

The Role of Job Satisfaction Mediating Organizational Commitment Against Employee Performance (Study on Employees of PT BPR Gunung Rizki Semarang)

The performance of PT. BPR Gunung Rizki Semarang branch office in 2017-2018 has decreased. This phenomenon was found in the object of research when the preliminary survey was conducted. The results of theoretical studies of factors that can explain performance show results that are still different. Departing from these empirical and theoretical phenomena, this study is aimed at analyzing the effect of Organizational Commitment and Personality on Performance by Mediating Job Satisfaction on employees of PT. BPR Mount Rizki Semarang. The study aims to examine the role of job satisfaction mediating organizational commitment against employee performance. The empirical model developed in this study consists of three research variables, namely organizational commitment and job satisfaction which are thought to explain performance. Research data was obtained through interviews using questionnaires to 124 employee respondents at PT. BPR Mount Rizki Semarang. The collected data were analyzed using multiple regression tests. Statistical test results show that organizational commitment has no significant effect on job satisfaction. While on performance, organizational commitment has a positive effect while job satisfaction has a negative effect.