Branch Office Research Articles

Attractiveness of the doctor’s office – results of a mixed-methods survey on expectations and aspects of the current digitalisation policy in Germany

The demographic development in Germany will ensure an increasing demand and a decreasing supply of medical services in the outpatient sector in the next ten years. Attractiveness and expectations with regard to the branch office were surveyed with the help of an online survey in a mixed-methods design. The quantitative analysis included a descriptive presentation of the results and a stepwise multiple linear regression on the dependent variable of job satisfaction. The qualitative analysis was carried out by means of a content-structured qualitative content analysis according to Kuckartz. 121 doctors answered the online questionnaire. The fulfilment of expectations of the Doctor‘s office in the sum score was just over 50% (mean 15.42/30, SD 4.63). The regression model for job satisfaction was significant (<0.001; R² 0.241). Job satisfaction increases significantly when expectations of flexible working hours and autonomous working are met. In particular, the bureaucratic effort in the Doctors‘s office and the perceived pressure to act were misjudged.

Work Stress, Job Burnout, and Turnover Intention among Micro, Small, and Medium Finance Company’s Employee

Research aim: The purpose of this study is to find efforts to reduce the turnover intention of an employee by examining the factors that become antecedents of the turnover intention of an employee, namely work stress and job burnout. Design/Methode/Approach: Quantitative approach with survey method, using regression analysis (path analysis) and quantitative data (from questionnaires). Finding: This study reveals that work stress and job burnout positively influence turnover intention, with job burnout mediating the relationship between work stress and turnover intention, while life stressors, feeling ineffective in dealing with others at work, and actively seeking a new job are identified as the most influential factors. Theoretical contribution/Originality: The theoretical contribution of this research lies in its special emphasis on the influence of perceived outcomes of stress and the importance of harmonious relationships between coworkers in reducing the impact. Practitioner/Policy implication: Concerning the turnover intention of their employee to decrease the turnover of employees by reducing stress levels and reducing job burnout in employees. Research limitation: This study only used samples from branch offices in Java Island, as well as its examination of only three variables (Work Stress, Job Burnout, and Turnover Intention). We recommend further research to use a wider sample.

Peranan Audit Internal dalam Menunjang Efektivitas Pemberian Kredit

This research aims to find out the role of Internal Audit (independence and objectivity, professional skill and accuracy, and integrity) in supporting the effectiveness of providing credit, case study at the Bank X Bandung branch offices. The population in this study was 30 people, with a sampling technique using non-probability sampling with a saturated sampling technique. The analytical method used in this research is multiple linear regression analysis at a significance level of 5%. The program for analyzing data uses the Statistical Package for Social Sciences (SPSS) Ver 25.0. The research results show that Independence and Objectivity, Professional Skills and Accuracy, and Integrity have a role in supporting the effectiveness of providing credit at the Bank X Bandung Branch Office.

The Effect of Job Insecurity, Work Stress and Self Efficacy on the Performance of Employees of Pt. Bank Rakyat Indonesia Bajawa Branch Office, Flores Ntt

The Effect of Job Insecurity, Work Stress and Self Efficacy on the Performance of Employees of Pt. Bank Rakyat Indonesia Bajawa Branch Office, Flores Ntt

Marketing performance improvement strategy in lending KUR at ABC bank XYZ branch office

Marketing performance is one of the important indicators of the success of companies including the banking industry in achieving the expected goals and targets. Increasingly fierce business competition in the industry has an impact on the difficulty in achieving the targets set at Bank ABC XYZ Branch Office, especially in the distribution of People's Business Credit in the region. The purpose of this study is to design strategies to improve marketing performance in KUR lending at Bank ABC XYZ branch. This research uses a mix method approach. Quantitative approach to analyze the relationship of the 7P marketing mix to marketing performance in KUR lending. While the qualitative method is designing marketing strategies through SWOT analysis. Sampling using census and purposive sampling. The census technique was used in the quantitative method, namely all employees of the KUR credit marketing section, totaling 65 people. Meanwhile, the purposive sampling technique was used in the qualitative test by interviewing two informants who served as managers and worked for more than 3 years in the KUR distribution section. The quantitative data analysis method was tested statistically using Smart PLS with a P-Value criterion ≤ 0.05. Meanwhile, the qualitative data analysis was tested descriptively qualitative. The results showed that Place; Promotion; People; Process; and Phsycal evidence had a significant effect on marketing performance. However, Product and Price proved to have no effect on marketing performance. The results showed that the strategic position in KUR lending is in quadrant 1, namely the company must carry out an aggressive strategy. Aggressive strategies that need to be carried out are by improving digital-based services that are more flexible both in simplifying the credit process and the potential customer feeder process; providing training, development and digitization to employees; conducting socialization and training on digital technology to customers and prospective customers at the work unit location; optimizing the KUR distribution quota to MSMEs through internal marketing communications including company groups and external parties; and building KUR corners for education and promotion in markets and keluharan offices that have not been reached.

Impact of Quality Life Work and Workload On Employee Performance at PT. BRI Tbk Barru Branch Office

Research purposes This For know influence quality life work and burden Work to performance employees at PT. Bank Rakyat Indonesia Tbk . Barru Branch Office. Type of data used in study This is the quantitative data obtained from distributed and related questionnaires​ with the problem under study . Data collection techniques were carried out with observation and sharing questionnaire . In research This data sources used in Data collection includes primary data and secondary data . Instrument research used​ in study This use method scale likert . Based on results data research with use calculation statistics through Statistics for the Social Science (SPSS) version 21 application regarding influence quality life work and burden Work to performance employees at PT. Bank Rakyat Indonesia Tbk . Barru Branch Office which has discussed in chapter before , then writer interesting A conclusion important that is quality life work and burden Work influential positive and significant to performance employee proven with efficient regression quality life work (X 1 ) of 0.300 and load work (X 2 ) of 0.510 and value t count (X 1 ) is 2.020 > t table 2.00 with mark significance 0.047 <0.05 whereas mark t count (X 2 ) is 3,862 > t table 2.00 with mark significance 0.000 < 0.05.

Analisis pembiayaan mikro UMKM dengan akad musyarakah mutanaqisah pada Bank Syariah Indonesia KCP Trunojoyo Bangkalan

This study was conducted with the aim of analyzing micro financing of MSMEs with the Musyarakah Mutanaqisah contract at Bank Syariah Indonesia, Trunojoyo Branch Office, Bangkalan. The research method used in this study is a qualitative descriptive method. Data collection techniques were carried out by observation and interviews. Based on the results of the study, it shows that in micro financing of MSMEs with the Musyarakah Mutanaqisah contract at Bank Syariah Indonesia, Trunojoyo Branch Office, Bangkalan through an agreement between the customer and the bank with an agreement on the assets or goods needed by the customer first, then the bank will conduct a field survey to the customer which will then be disbursed according to the approval of the head of the bank. It can be concluded that micro financing of MSMEs using the Musyarakah Mutanaqisah contract is a financing process for small and medium micro businesses through a financing agreement with a capital cooperation scheme for the purchase of goods or property in asset ownership with applicable sharia provisions.

Pengaruh Pembiayaan Cicil Emas, Mitraguna, dan BSI Griya Hasanah Terhadap ROA Pada BSI Kc Makassar 2 Dengan Islamic Branding Sebagai Variabel Intervening

The aims of the study were to discover the effect: 1) Knowing the effect of gold installment financing on ROA; 2) Knowing the effect of partner financing on ROA; 3) Knowing the effect of BSI Griya Hasanah financing on ROA; 4) Knowing the influence of Islamic Branding on ROA; 5) Knowing the effect of gold installment financing through Islamic Branding on ROA; 6) Knowing the effect of partner financing through Islamic Branding on ROA; and 7) Knowing the effect of BSI Griya Hasanah financing through Islamic Branding on ROA at Bank Syariah Indonesia KC Makassar 2. This research is quantitative research with an associative approach. The data sources are primary data from questionnaires and secondary data from the financial reports of PT Bank Syariah Indonesia Makassar Branch Office 2. Data collection methods are observation, interviews, literature studies, and questionnaires with a Likert scale. The results of the study indicate that: 1) gold installment financing has a positive and insignificant effect on Return on Assets (ROA); 2) Partner financing has a positive and insignificant effect on Return on Assets (ROA); 3) BSI Griya Hasanah financing has a positive and significant effect on Return on Assets (ROA); 4) Islamic Branding has a positive and significant influence on Return on Assets (ROA); 5) Gold installment financing has a positive and insignificant effect on Return on Assets (ROA) through Islamic Branding; 6) Partner financing has a positive and insignificant effect on Return on Assets (ROA) through Islamic Branding; and 7) BSI griya Hasanah financing has a positive and significant effect on Return on Assets (ROA) through Islamic Branding at Bank Syariah Indonesia KC Makassar 2.

Influence of Products and Prices on Customer Loyality At the Sharia People's Economic Bank Bakti Makmur Indah Main Branch Office in Sidoarjo

Sharia People's Economic Bank Bakti Makmur Indah Main Branch Office Throughout is one of the sharia banks that has great potential in developing an economy based on Islamic values. This research aims to determine the effect of product and price oncustomer loyality at BPRS Bakti Makmur Indah Main Branch Office Throughout. The object of this research is the BPRS Bakti Makmur Indah Main Branch Office along with quantitative methods using multiple regression test techniques. The respondents in this research were 76 customers. The analytical method used is descriptive analysis, F test and T test with product (X1), price (X2), and customer loyalty (AND). The results of this research show that product and price have a positive and significant effect on customer loyalty. This is proven by the statistical results of the simultaneous f test for the product variable, the calculated f value > f table (31.473>3.12) so that there is a positive and significant influence between the product and price variables simultaneously on customer loyalty or the hypothesis is supported.

Implementation of auto failover on SD-WAN technology with BGP routing method on Fortigate routers at XYZ company

The current technological development is SD-WAN (Software-Defined Wide Area Network) which provides highperformance access for users located far from the head office so as to allow faster network connections and has been facilitated automation techniques for branch offices. This research solves the problem of XYZ company because it is known that the company requires network connectivity with a high SLA (Service Level Agreement) and no downtime in the information exchange process. This research hypothesis assumes that using SD-WAN would be ideal and the problems with XYZ company were resolved. The purpose of this research is the implementation of a WAN network using SD-WAN technology against two ISPs on the FortiGate router, as well as testing QoS (Quality of Service) that has been configured using the BGP (Border Gateway Protocol) routing method. This research plan consists of ISP-A using IP-VPN (Internet Protocol-Virtual Private Network) and ISP-B using broadband Internet. The test scenario was carried out using 3 methods, namely Full Service Scenario, Fail Over Scenario-1 when the IP VPN service is down and Fail Over Scenario-2 when the broadband Internet service is down. The final results of the research have obtained "Satisfactory" results for both services, including the average index on ISP-A and ISP-B of 3.7.

Optimalkan Kinerja Pegawai: Peran Lingkungan Kerja Fisik dan Pengembangan Karir

This study aims to evaluate the impact of work environment and career development on employee performance at the BPJS Kesehatan Ambon Branch Office. The population involved in this study were 35 employees at BPJS Kesehatan Ambon Branch, who were randomly selected as the research sample. The tool used to collect data is a questionnaire designed to extract information about the variables of Work Environment, Career Development, and Employee Performance. Validity, reliability, normality, multicollinearity, heteroscedasticity, multiple linear regression analysis, t-test, f-test, and coefficient of determination were used to analyze the data. -The findings show that employee performance and work environment at BPJS Ambon Branch have a positive and significant relationship. In addition, at the BPJS Ambon Branch office, there is a noteworthy and positive correlation between employee performance and Career Development. In general, the Ambon Branch BPJS office sees a simultaneous influence between employee performance and work environment. -The findings show that the physical work environment contributes 47.7% to employee performance based on the coefficient of determination (R2).

APLIKASI SISTEM PELAPORAN TANDA BUKTI TRANSAKSI PADA PT. POS INDONESIA CABANG MRANGGEN

At PT. Pos Indonesia Mranggen Branch in making transaction receipt reports so far still uses Microsoft Excel where there are many columns in it, so that in its operation it still confuses users in this case are employees who work at the branch office. The purpose of this research is to assist employees in completing the work of making reports related to transaction reporting.
 In the process of collecting data with the aim of solving problems, the authors use descriptive data collection methods, namely by observation and interviews. And to design the software application, the writer uses Access Database 2007 and Visual Basic 6.0 Application, while the report system uses Crystal Report 8.5 Application.
 The final result of this research is a Transaction reporting system application that can provide convenience for employees in entering (input) transaction reporting data where there are several forms that are very easy to operate that no longer use many columns in it.

Strategy for Increasing Customer Financial Literacy on Decisions to Use Financial Products, Especially Savings Products at PT BPD Sumsel Babel Muaradua Branch Office

This study aims to analyze the strategy of improving customer financial literacy on the decision to use savings financial products of PT BPD Sumsel Babel Muaradua Branch Office. PT BPD Sumsel Babel is one of the leading financial institutions in Indonesia whose main objective is to support economic growth in South Sumatra and Bangka Belitung. This research is quantitative descriptive with the methods used are library research, direct observation in the field and documentation. Participant selection technique through purposive sampling model with target questionnaire that is customer. The number of respondents was 255 customers. The questionnaire in this study was processed through the Microsoft Excel application. The expected outcome of this research is the preparation of effective strategies in improving customer financial literacy and the implementation of literacy programs that can have a positive impact on customers. Policy recommendations for Bank Sumsel Babel Muaradua Branch Office involve providing ongoing financial literacy programs, improving educational communications, personal financial counseling services, developing financial literacy applications, and incentives for active customers. Enabling factors include management support, active customer participation, and availability of resources.

Trading locomotives between the USA and Japan: Okura & Co. at the beginning of the twentieth century

Abstract This article examines international transactions related to steam locomotives at the beginning of the twentieth century while focusing on Japanese trading companies. In particular, it considers in detail how Japanese trading companies acquired the knowledge and know-how of locomotive trading to carry out their business transactions through a case study of Okura & Co.'s New York branch office. The analysis highlights the following three factors that supported Okura's locomotive trade in New York: first, the company took advantage of business opportunities by collecting information through networks of Japanese contacts in New York and local experts; second, it utilised social and technological infrastructure, including international communication lines, transportation, and financial systems, as key fundamentals of its overseas activities; third, a former oyatoi (hired foreigner) played a critical role as its consulting engineer. In particular, the overseas activities of Japanese trading companies drew heavily on formerly hired foreign engineers, whose technological knowledge and networks became an essential route of knowledge transfer in cross-regional commercial management. These will contribute to the evolution of history related to the starting points of global activities of Japanese trading companies.

The Effect of Marketing Mixes on Customer Purchase Decisions on Prudential Companies of Bandung Branch Office

At present, the sales competition for insurance products has increased dramatically starting in the last few years. In addition, competition began to become even more fierce, marked by the ASEAN Economic Community (MEA) organization, which started its activity in early 2016. Insurance sales competition was assumed to be more fierce with the presence of MEA. Some insurance companies expected to experience a decline in sales due to emerging competition. It will not occur only with domestic insurance companies but also with insurance companies from countries that are members of ASEAN. With the increasing competition, it is estimated that insurance sales will decrease, but the opposite increase in sales happens at Prudential. The author seeks to help other insurance companies increase insurance sales by conducting research at Prudential to try to find out the cause of the increase in sales.This research was made and conducted based on a literature review that was used as a reference in the preparation of research. References used by the author are in the form of theories about consumer behavior, marketing mix, insurance concepts, marketing mix concepts, and research that has been done before this study.This study aims to determine whether the marketing mix has an influence on insurance product purchasing decisions at the Prudential Bandung branch office. Research belongs to quantitative research and, based on its objectives, is classified as descriptive studies. The sample is determined by the Accidental Sampling technique, which is one of the techniques belonging to the Non-Probability Sampling Method by selecting individuals who are easier to find with a total sample of 96 respondents generated through calculations in the sampling technique. Data were collected using questionnaires and analyzed using descriptive analysis and multiple linear regression analysis. Research and testing were carried out assisted by using the SPSS program ver. 22.From the results of the study, it was found that product variables and process variables are elements of the marketing mix that have the most significant influence on purchasing decisions. Other results from the study indicate that seven marketing mix variables simultaneously influence customer purchasing decisions.

Strategy to Increase Investment Portfolio at Retired Priority Banking Customers of PT Bank Rakyat Indonesia Yogyakarta Adisucipto Branch Office

This study aims to determine the strategy of increasing investment portfolio for retired priority banking customers at PT Bank Rakyat Indonesia Yogyakarta Adisucipto Branch Office. Bank Rakyat Indonesia Yogyakarta Branch Office Adisucipto is a company under the auspices of the Head Office of Bank Rakyat Indonesia located in Yogyakarta. The research method used in this study is by using observation, interviews, and documentation. This research data is sourced from primary data obtained through data collection techniques based on the process of observation, documentation, and interviews conducted directly to companies and retired priority banking customers who meet the criteria, as well as secondary data obtained from quoting books, internet, and so on containing information about priority banking Bank BRI. Therefore, researchers are able to draw conclusions descriptively. The interview was conducted with 5 respondents who are employees and customers of retired priority banking Bank BRI Yogyakarta Branch Office Adisucipto. The results of this study show what investment products are suitable to be offered to retired priority banking customers and how the profitability of investment products owned by retired priority banking customers for BRI Prioritas. The author recommends increasing the offering of certain investment products and the Bank strengthening the implementation of ESG especially Environmental principles.

Analysis Of The Influence of Organizational Culture, Work Discipline, And Job Satisfaction On Employee Performance At Pt. Bank Syariah Indonesia Office Area Semarang City

This study aims to analyze the significant effect of Organizational Culture, Work Discipline, and Job Satisfaction on Employee Work Productivity with Work Motivation as a Moderating Variable at Bank Syariah Indonesia Branch Office of the Student Army Soldiers in Semarang City, either simultaneously or partially. The population in this study were all employees of Bank Syariah Indonesia Semarang City Area Office, while the sample in this study were 34 respondents who became employees of Bank Syariah Indonesia Semarang City Area Office who were selected using a saturated sampling technique. The data used in this study are primary data obtained through distributing questionnaires. The analysis model used in this study was the Multiple Linear Regression Analysis Model, while the data analysis technique used a simultaneous significance test (F test), coefficient of determination test (R2), and partial significance test (t-test) which were processed with the SPSS 25.00 program. The results of proving the hypothesis and discussion show that the variables of organizational culture, work discipline, and job satisfaction simultaneously have a significant effect on employee performance at PT Bank Syariah Indonesia Semarang City Area Office. Partially, the organizational culture and work discipline variables each have a positive and significant effect, while the job satisfaction variable partially has a positive but not significant effect on employee performance at PT Bank Syariah Indonesia Semarang City Area Office.
 Keywords: Employee Performance, Organizational Culture, Work Discipline, Job Satisfaction

Penerapan Akad Murabahah Terhadap Pembiayaan KPR Perumahan Bersubsidi Di PT. Bank Sumut Syariah KCP. Lubuk Pakam

A house is a basic human need, many people are rarely able to save in cash due to rising house prices. By providing pawn products (Home Ownership Credit), the Bank acts as a mediator between the interests of home buyers and sellers in this situation. However, Muslims are not allowed to use the usury transaction interest system used by mainstream banks. For Muslims who want interest-free financial services, the rise of Islamic banking is a good thing. However, the fact that sharia banking has not been able to match conventional banks in Indonesia is proof that the majority of Muslim communities there do not have full confidence in using sharia banks. Based on this, the author looks at and discusses how murabahah contracts are used in sharia finance at the Bank Sumut Syariah Lubuk Pakam Branch Office. The aim of this qualitative descriptive research which combines case study theory is to describe the implementation of the murabahah contract and determine its impact on sharia financing at Bank Sumut Syariah Lubuk Pakam Branch Office. To gather information regarding the use of murabahah contracts in Islam, the data collection approach uses interview procedures, namely questions and answers to officers, employees and authorized parties (in authority), as well as documentation. Descriptive techniques are used in data analysis procedures. The research findings, the application of the DSN-MUI fatwa regarding murabahah, turns out that the DSN-MUINo.04/DSNMUI/IV/2000 fatwa was followed in the case of murabahah financing for subsidized housing mortgage financing carried out by the North Sumatra Syariah Bank, Lubuk Pakam Branch Office.

MENYELISIK PERMASALAHAN IMPLEMENTASI GREEN BANKING

The environment plays an important role in human life. As humans, we are also very dependent on the environment. The need to survive in all fields is a side effect of financial development or development that results in climate change and also environmental damage caused by various industries. Existing companies will certainly generate impacts from activities or activities carried out related to the environment. Banking companies in these circumstances take an important role with the implementation of environmentally friendly programs, namely green banking. This research aims to find out and examine more deeply related to green banking run by Bank Mandiri Lumajang Branch Office related to how lending and also environmentally sound company operations. This research uses a qualitative method with a case study method approach that aims to provide an understanding of the role of green banking in Bank Mandiri companies. The research found an important role in the implementation of green banking carried out by the Bank Mandiri Lumajang Branch Office.

The Influence of CRM (Customer Relationship Management) and Company Image on Customer Satisfaction and Loyalty at PT. Bank Rakyat Indonesia (Persero) Tbk Tambun Branch Office - Bekasi

Indonesian people's banks have a good reputation, such as BRI, have a high level of trust, a high level of performance, and have good business ethics. BRI also has a good personality, such as always being responsible to customers, having good achievements, having good social responsibility, and having customers with a high level of trust in Bank Rakyat Indonesia. This also makes customers loyal to do business with BRI.Discussion of the Customer Relationship Management variable (X1) and the Company Image variable (X2) on Satisfaction (Y1).a. The Influence of Customer Relationship Management (CRM) on Satisfaction.H0: b1= 0 CRM has no significant effect on customer satisfaction.H1:b1≠ 0 CRM has a significant effect on customer satisfaction.In the t test results, the Customer Relationship Management variable (X1) and the Satisfaction variable (Y1) show a significance value of 0.000 < 0.05. So it can be concluded that there is a significant influence between customer relationship management variables on satisfaction.b. The Influence of Company Image on Satisfaction.H0: b1= 0 Company image has no significant effect on customer satisfaction.H1:b1≠ 0 Company image has a significant effect on customer satisfaction.In the t test results, the Company Image variable (X2) against the Satisfaction variable (Y1) shows a significance value of 0.000 < 0.05. So it can be concluded that there is a significant influence between the company image variables on satisfaction.Discussion of the Customer Relationship Management variable (X1) and the Company Image variable (X2) on Loyalty (Y2).a. The Influence of Customer Relationship Management (CRM) on Loyalty.H0: b1= 0 CRM has no significant effect on customer loyalty.H1:b1≠ 0 CRM has a significant effect on customer loyalty.In the t test results, the Customer Relationship Management variable (X1) and the Loyalty variable (Y2) show a significance value of 0.000 < 0.05. So it can be concluded that there is a significant influence between customer relationship management variables on loyalty.b. The Influence of Company Image on Loyalty.H0: b1= 0 Company image has no significant effect on customer loyalty.H1:b1≠ 0 Company image has a significant effect on customer loyalty.In the t test results, the Company Image variable (X2) against the Loyalty variable (Y2) shows a significance value of 0.001 < 0.05. So it can be concluded that there is a significant influence between the company image variables on loyalty.