Branch Office Research Articles

The Executive Branch and the Origins of Judicial Independence

The early history of the federal judiciary as an independent branch of American government presents a puzzle. How did an institution that barely existed as a separate entity before the American Revolution be¬come coequal, and in some ways preeminent? Most accounts of the judiciary’s rise tell a story in which the courts consolidated their authority—especially the power of judicial review—by tacitly agreeing to withdraw from partisan politics. This article considers early judicial independence through a differ¬ent lens—the idea that the executive and legislative branches cannot interfere with judicial proceedings. This notion, which seems self-evident to us now, was less clear at the Founding. State legislatures in the 1780s routinely overrode judicial decisions, and it was not until the 1820s that courts seriously began to question the practice. As this article shows, the most insistent assertions of judicial invio¬lability came not from courts, but instead from the executive branch officials—in large part because they had little other choice. With a threadbare bureaucracy and no standing army, the early federal gov¬ernment existed more in theory than in fact. What it had was courts, which sat in every major port city and enjoyed broad jurisdiction over maritime matters. Forcing foreign disputants to adjudicate their claims in court spared the executive from making decisions that risked anger¬ing powerful European empires, and enabled it to leverage judicial resources to solve problems it could not manage on its own. In so doing, executive officers helped transform a still-undefined concept of judicial independence into a putatively hard barrier between the branches.

Penyalahgunaan Aset: Perspektif Model Fraud Pentagon di Lembaga Keuangan Mikro

This study aims to obtain empirical evidence regarding the factors behind asset misappropriation in Micro Institutions. The purpose of this research will be achieved by using a quantitative approach and using primary data obtained through the distribution of questionnaires. The populations in this study were 247 employees who work in cooperatives within the Association of Indonesian BMT (PBMTI) Semarang Regency. This research is a census study where the entire population is used as a respondent. The collected data were processed by the Structural Equation Modeling (SEM) analysis method, using the Smart PLS 3.2.9 analysis tool. The results showed that all elements of the Fraud Pentagon Theory had a significant positive effect on asset misappropriation. The implications of this study indicate that the higher opportunity, pressure, rationalization, competence, and arrogance will increase the potential of asset misappropriation; and the fewer opportunity, pressure, rationalization, competence, and arrogance will reduce the possibility of asset misappropriation in cooperatives within the Association of Indonesian BMT (PBMTI) Semarang Regency. Further research is suggested to add other methods such as interviews or direct observation so that information obtained through questionnaires can be confirmed. In addition, although the number of unit analysis in this study was sufficient, the further researcher is expected to coordinate directly with every employee at the branch office or use online questionnaires so the percentage of questionnaire returns can be better.

The Effect of Diamond Fraud on Employee Fraud Behavior in Banking

The condition of banking companies in Indonesia and the world from year to year has experienced significant developments seen from the development of the number of customers and branch offices. But in addition to the development of banking companies today, there are several cases of fraud committed by employees by misusing company assets. This study uses indicators of pressure, opportunity, rationalization and ability. This study uses a descriptive quantitative approach where the aim is to research which includes the influence of pressure, opportunity, rationalization and ability on employee fraud behavior. Data analysis aims to simplify the processed data, making it easy to read and interpret. Data were collected by distributing questionnaires. The results showed that there was a partial effect of the variables of pressure, rationalization and ability on the fraudulent behavior of banking employees. While the opportunity variable has no influence on the fraudulent behavior of banking employees.

Status of Job Involvement in the Financial Sector of Nepal

The main objective of this study is to investigate how employees perceive their level of job involvement in the financial sector of Nepal. Descriptive and analytical research designs have therefore been used in this study. To achieve the research goals, a set of research questions are created to elicit the opinions of employees. A total of 240 questionnaires—40 in each of the 6 institutions, which include 3 commercial banks and 3 insurance companies—are distributed for this purpose. 193 (80.41%) of the copies of the survey are fully completed and returned. These questionnaires are used for the research's objectives. These responses have been gathered from the chosen financial institutions' corporate, branch, and head offices. Results show that most of the employees perceive a moderate level of job involvement toward their organizations. In the case of ownership pattern, the Nepalese public sector shows higher job involvement than that of the private sector. The results further show that perceived job involvement has significant associations with all demographic characteristics that have been analyzed. This means there are different demographic effects on employees’ perceived job involvement. In the case of the banking and insurance sector, insurance sector employees hold a relatively higher level of job involvement than the banking sector employees. High-involvement workers struggle to keep work and personal life apart because they care so much about what they do. Employees' attitudes and behaviors, which in turn affect their work performance and the success of the company, are influenced by how involved they feel in their jobs. As a result, job involvement research is crucial for Nepalese workplaces.

Analisis Pembiayaan Murabahah pada Anggota KSPPS Karisma Kantor Cabang Grabag

Murabahah financing is a sale and purchase agreement of goods at a price higher than the agreed cost between the seller and the buyer. The murabahah contract is very much in demand by the public, especially financing trading activities and managing the business activities of members. This search aims to find out how murabahah financing is carried out by KSPPS KARISMA Grabag Branch Office. This study discusses the implementation of murabahah contracts, procedures and implementation of murabahah contracts for members at KSPPS KARISMA Grabag Branch Office, as well as the suitability of the application of murabahah contracts with sharia principles. This research method is descriptive qualitative, by conducting interviews, observations and by collecting primary data and secondary data. The results of the study that have been carried out by the author show that the analysis of the financing of the murabahah contract is in line with the principles syariah. There is evidence that the financing did not find anything contrary to Islamic teachings. For example, terms that contain elements of maisyir, gharar, haram, and usury.

Evaluation of Account Receivables Management to Prevent Possible Company Losses as a Result of Uncollectible Accounts Receivables at PT Askrindo (Persero) of the Surakarta Branch Office

This research was conducted at PT Askrindo (Persero) of the Surakarta Branch Office. This study aimed to investigate the management of accounts receivable and the implementation of the management of accounts receivable running within the company whether they are in accordance with the policies in force in the company. This study uses descriptive data analysis method. The results of this study indicate that the implementation of accounts receivable management at PT Askrindo (Persero) of the Surakarta Branch Office, which includes the recognition, recording, classification, and accounts receivable management policies, has not followed the guidelines for accounts receivable management business issued by the company. First, the implementation of the recognition of trade receivables is in accordance with the guidelines for managing accounts receivables, which are recognized after the issuance of an insurance certificate/policy. Second, the implementation of recording accounts receivable complies with the guidelines for managing accounts receivables, which are recorded using the Askrindo Financial Management System (FMS). Third, the implementation of the classification of accounts receivable is consistent with the guidelines for managing accounts receivable, namely by classifying current, non-current, and loss accounts receivables. Fourth, the implementation of the accounts receivable management policy does not follow the guidelines for managing accounts receivable. The company has not implemented several policies according to the guidelines in the company.

Pengaruh Akuntabilitas dan Indepedensi terhadap Kualitas Audit di Bank BJB Kantor Cabang Majalaya

The background of this research is the fluctuation in the number of employees and the number of auditors that affect the number of audit case findings at Bank BJB Majalaya Branch Office. The purpose of this study was to determine the magnitude of the influence of accountability and independence both partially and simultaneously on audit quality at Bank BJB Majalaya Branch Office. This research is quantitative research with associative approach. The data used is primary data. By taking samples using the Slovin formula as many as 73 people from a large population of 88 people. The data collection techniques used were observation, interviews, literature study and questionnaires. The data processing analysis method in this study uses the application of Statistical Product and Service Solutions (SPSS) version 25 .The results showed that accountability affects the quality of audits at Bank BJB Majalaya Branch Office with the results of the t test where the t_hitung value is 2,862 > a t_tabel value of 1,993, there is an influence of indepedence on audit quality at Bank BJB Majalaya Branch Office, and simultaneously there is a simultaneous influence of accountability and indepedence on the quality of audits at Bank BJB Majalaya Branch Office where the results of the F test show that F_(calculate)> F_tabel or 179.984% > 3.13%.

The Effect of Work Motivation And Work Discipline On Employee Satisfaction At The Main Branch Office Of Medan 20000 With Loyalty as A Moderating Variable

<p><strong><em>This study aimed to find the effect of work motivation and discipline on team member satisfaction at the main branch office of Medan Post Office 20000, with loyalty as a moderating variable. The population in this study amounted to 91 employees and samples as many as 51 UPL employees as respondents. This type of research data was quantitative data with primary data sources. The data analysis technique used multiple linear regression analysis and moderating regression. The results showed that work motivation (X1) had a positive and significant effect on employee satisfaction, while Work discipline (X2) had no significant effect on employee satisfaction. Work motivation (X1) and discipline of work (X2) positively and significantly affected employee satisfaction. Work motivation x loyalty (X1Z) had a positive and significant effect on employee satisfaction with a value of t-count 10,098 > t-table 2,009 with a positive sign and a significance level of 0.000 <0.05. Work discipline x loyalty (X2Z) had a negative and significant effect on employee satisfaction with a t-count of 5.625 > t-table 2,009 with a negative sign and a significance level of 0.000 <0.05.</em></strong></p><p><strong><em> </em></strong></p><p><strong>Keywords: Work Motivation, Work Discipline, Job Satisfaction, Loyalty</strong></p>

Optimalisasi Google SEO Menggunakan Google MyBusiness Untuk Memasarkan Produk Asuransi (Studi Kasus Kantor Galaxy Lion Heart)

The FC (Financial Consulting) Galaxy Lion Heart Lombok team conducts marketing of financial services (insurance) products only limited to social media such as on Facebook, Instagram, Twitter and WhatsApps groups. Their activities are only limited to sharing product flyers, sometimes the presence of FC activities is not necessarily liked by the community on social media. Therefore, to maximize the potential of digital marketing in the FC profession at the Lombok branch office, namely Galaxy Lion Heart, a mentoring activity was made to use Google SEO for the FC profession in increasing sales on financial services products of PT AJ Generali Indonesia. This Community Service (PkM) is part of a routine assignment every semester once a year which has been given routine tasks to resource persons by the highest leadership of the Lombok branch office, the name of the branch office is Galaxy Lion Heart Lombok. The method of this PkM activity is to assist in creating links with Google SEO to each FC team in the office. The Pk Mini implementation chart describes the following: a) Conducting a literature study; b) Determination of the type of assistance; d) Activity planning; e) Composing the topic of presentation and practice materials; f) Delivery of material topics; g) Demonstration of Google SEO material topics; h) Discussion of Google SEO materials; i) Creation of PkM reports; j) Creation of PkM articles; k) Publication of the PkM journal. The results of this PkM output are in the form of PkM journal publications and a practicum module for making Google SEO for Financial Consulting. This activity is highly appreciated by most of the FC teams, therefore their attendance every semester increases in the class. Therefore, this PkM activity has been requested directly by the head of the Galaxy Lion Heart office to be held every year.

PENGARUH KECERDASAN EMOSIONAL PEMIMPIN, MOTIVASI KERJA DAN SOFTSKILL TERHADAP KINERJA PEGAWAI CABANG DINAS PENDIDIKAN WILAYAH PROVINSI SUMATERA BARAT (Studi Kasus Kepala SMA, SMK Dan SLB)

This study aims to determine and analyze the influence of the leader's emotional intelligence, work motivation and soft skills on the performance of the Regional I Branch of West Sumatra Province employees. The number of respondents who were involved in this study were 92 respondents , all respondents were Heads of SMA, SMK and SLB Branch Office Region I West Sumatra Province. This type of research is quantitative research with SEM ( Structural Equation Modeling) analysis technique. Data was collected using a questionnaire and analyzed using the PLS SEM program . The results of this study show 1) leader's emotional intelligence has a positive and significant effect on the performance of Regional I Branch Office employees at P-value 0.001 2) work motivation has a positive and significant effect on employee performance at P- value 0.00 6 . Meanwhile , soft skills have no significant effect on the performance of the Regional I Branch Office employees of West Sumatra Province . Based on the results of PLS SEM analysis showed that the relationship given emotional intelligence and motivation leader by 67 , 2 %, while the remaining 32 , 7 % is influenced by other variables outside of this research model.

The Effect of Placement and Competence on Employee Performance through Motivation as an Intervening Variable (Bank Case study, Mandiri Gandaria Branch)

This study aims to determine the effect of job placement and competence on employee performance with work motivation as an intervening variable at PT. Bank Mandiri Gandaria Branch. The sample used in this study were 100 employees who worked at the Gandaria branch office by using a questionnaire to collect data. The sampling technique used a saturated sample. Data analysis technique using path analysis produces validity, reliability, classical assumption test using multicollinearity test, path test and hypothesis testing. The results showed that the variable placement and competence have a significant effect on employee performance variables through indirect motivation, placement variables affect employee performance through motivation, competence variables affect employee performance through motivation. The placement variable has a direct effect on employee performance, the competence variable has a significant effect on employee performance.

Analysis of Sharia Economic Law on Vehicle Pawning in PT. Pegadaian (Persero) Cabang Bima, Nusa Tenggara Barat, Indonesia

This study aimed to examine the concept and system of vehicle pawning with a review of Sharia economic law. The research used descriptive qualitative with the type of field research at the Pawnshop Branch Office of the City of Bima, West Nusa Tenggara Province. While the data collection techniques were interviews, observations and documentation with data analysis using data reduction, data presentation and conclusion. The results show that, first, the practice of vehicle pawning financing products at the Bima City Pawnshop is relatively easy and practical. The view of Islamic law on vehicle pawning practices at the Bima City Pawnshop is considered to be by Sharia principles because it does not contain 3 elements that are prohibited in the practice of vehicle pawning. Such as Gharar, Maysir, and Sury. Because the suitability of the application for pawning vehicles at the Bima City Branch can be seen in three things, namely the pillars, the legal requirements for the pawn, the costs and the mechanism for the settlement of collateral goods. And the practice of pawning vehicles at the Bima City Pawnshop is governed by the Fatwa of the National Sharia Council No.26/DSN-MUI/III/2002 concerning Rahn Emas or similar items such as Vehicles.

The Influence of Organizational Culture and Work Motivation on the Work Commitment of State High School Teachers in the Mentawai Islands Regency

Based on the results of pre-survey observations in the field, it shows that the teacher's work commitment is still low in carrying out his duties. Low teacher work commitment automatically affects teacher discipline in carrying out their duties. The results of the recapitulation of attendance data for the even semester of the 2021/2022 school year Branch Office of Education Region VIII West Sumatra Province shows that 7 out of 14 public schools have a teacher attendance rate in carrying out assignments at school below 97% of active working days for 131 days in six months, the number the lowest was in SMA Negeri 1 Siberut Barat, namely 87%. This means that 50% of Mentawai Islands State Middle School teachers have low work commitment. This is thought to be related to unfavorable organizational culture and low work motivation. Therefore it is necessary to conduct more in-depth research to test the existence of this problem. This study aims to find and reveal the influence of organizational culture and work motivation on the work commitment of public high school teachers in Mentawai Islands District. The population in this study was all teachers of SMA Negeri Kabupaten Kepulauan Mentawai 209. The research sample was 55 people taken using the Stratified proportional random sampling technique based on strata of group and length of service. The research instruments used are assessment scales and questionnaires of Likert Scale models that have been tested for validity and reliability. The research data were analyzed by correlation and regression techniques. The results of data analysis show that: (1) organizational culture affects work commitment as much as 23%, (2) work motivation affects work commitment as much as 71.0%, (3) organizational culture and work motivation together affect work commitment as much as 86.6%. The achievement level of organizational culture score of 78.26% is in the sufficient category, the level of achievement of the work motivation score of 78.68% is in the sufficient category and the achievement of the teacher's work commitment score of 79.65% of the ideal score is also in the sufficient category. The findings above imply that teachers' work commitment is significantly influenced by organizational culture and work motivation. Beyond other factors. Therefore it can be concluded that improving organizational culture in a better direction and increasing work motivation becomes high, it will increase the teacher's work commitment also becomes higher

PENGARUH PENGEMBANGAN KARIR DAN KEPEMIMPINAN TERHADAP KINERJA PEGAWAI DENGAN KEPUASAN KERJA SEBAGAI VARIABEL MEDIASI PADA BPJS KESEHATAN KEDEPUTIAN WILAYAH SUMBAGTENG JAMBI

This study aims to analysis the effect of career development and leadership on job satisfaction. To analyze the effect of career development and leadership on performance. To analyze the effect of job satisfaction on performance. And to analyze the effect of career development and leadership on performance through job satisfaction. The population in this study were all employees who worked at the BPJS Kesehatan Deputy for the Jambi Central Sumbagteng Region which supervise 11 branch offices with total employee of 497 people in 2021. Sample used on this research were construct of 222 respondents. The data used in this study were primary data and secondary data, while the primary data collected using a questionnaire. Then, collected data were analysis using path analysis. The results showed that career development had an effect on job satisfaction. Leadership has a significant effect on job satisfaction. Career development has a significant effect on employee performance. Leadership has a positive and significant effect on employee performance. Job satisfaction has a positive and significant effect on employee performance. Career development has a positive and significant effect on employee performance through job satisfaction. Leadership has a positive and significant effect on employee performance through job satisfaction.

Quality of Public Services at the Social Security Agency of Health (Badan Penyelenggara Jaminan Sosial) Manpower Banjarmasin Branch Office

The study aimed to analyze the quality of public services at the Banjarmasin Branch Office of Employment BPJS (Social Security Agency of Health). The research method used by the researcher is a descriptive analysis method. Observation, interviews, and documentation carried out the data collection techniques in this study. The data analysis technique used in this research is qualitative. The results of the study show (1) The accuracy of the services provided by employees is good enough in explaining matters related to participant requirements, making participant cards, claiming processes, and other public service activities organized by BPJS Ketenagakerjaan, although often when performing public services outside the office the community asks the same questions over and over again, the employees still give good explanations, (2) The speed of service in overcoming problems that occur in public services is quite good, it is just that the number of employees when performing public services outside the office is quite good. Can reduce the level of community satisfaction, and (3) Hospitality is good with employees who are always ready to help the community's needs in the public service process.

The Influence of Service Quality and Current Account Customer Trust on the Decision to Save Funds at PT. Bank Central Asia Tbk Bekasi Main Branch Office

The decision to save funds is often influenced by a variety of factors, including an individual's financial goals, income, expenses, and overall financial health. Service quality and customer trust in a bank's current account may also play a role in an individual's decision to save funds The research method used in this study uses quantitative methods or often called traditional methods, because this method has been used for a long time so that it has become a tradition for research. The result is Quality of Service on Decision to Save Funds, knowing that the results of tcount > ttable are (5.876 > 1.974) and a significance of 0.000 <0.05, then Service Quality has a positive and significant effect on Decisions to Save Funds, so H1 is Accepted. Current Account Customer Confidence in the Decision to Save Funds, knowing that the results of tcount > ttable are (6.571> 1.974) and a significance of 0.000 <0.05, then the Current Account Customer Trust has a positive and significant effect on the Decision to Save Funds, so H2 is accepted. Quality of Service and Trust of Current Account Customers simultaneously (together) have a positive and significant effect on the Decision to Save Funds, by knowing the results of Fcount > Ftable (273.186 > 3.05) and a significance of 0.000 <0.05 and with a coefficient of determination or r square (R2) of 0.768 or 76.8% while the rest (100% - 76.8% = 23.2%) is influenced by other variables outside this regression equation or variables not examined. Then the Quality of Service and Trust of Demand Deposits together have a significant positive effect on the Decision to Save Funds, so that H3 is Accepted.

The Influence of Human Resource Management Audit on Employee Performance with Motivation and Work Environment as Moderating Variables on Employees of Bank BPD DIY Yogyakarta Syariah Branch Office

This study aims to determine and analyze how the effect of Human Resource Management Audit on employee performance with motivation and work environment as moderating variables. This research was conducted on employees of Bank BPD DIY Yogyakarta Syariah Branch office. Data collection was carried out from August 2022 to September 2022. The data used in this research are primary data and secondary data. The sampling technique in this study used a saturated sample technique with a total of 31 respondents. The data analysis method used in this study is multiple linear regression and MRA Analysis (Moderated Regression Analysis) with the help of the SmartPLS 3.0 application. The results of this study show: 1) Human Resource Management Audit has a positive and significant effect on employee performance at BPD DIY Syariah Bank Yogyakarta. 2) Motivation is unable to moderate the effect of human resource management audits of employee the performance at Bank BPD DIY Syariah Yogyakarta. 3) The work environment is unable to moderate the effect of human resource management audits on performance on employees of Bank BPD DIY Syariah Yogyakarta.

Menguak Alasan Dibalik Minimnya Nasabah Pengguna Bank Syariah Di Gorontalo

In Gorontalo, Islamic Banking has the same potential as other financial institutions. But the number of customers saving at a Sharia Bank will still be very minimal and this is certainly in contrast to the majority of Gorontalo Muslims who are Muslim. The reason is there are several things such as the lack of public knowledge about the principles and concepts of Islamic Banks and service systems in Islamic Banks that are not as modern and as good as Conventional Banks, as well as the lack of branch offices or units that are scattered in Gorontalo. This prompted researchers to examine the causes of the lack of customers using Islamic banks as well as the factors that caused underdeveloped Islamic banks in Gorontalo. In this study, researchers used qualitative methods, namely using secondary data types and using four data collection techniques, namely, documentation, literature studies, discussions / interviews, and intuitive-subjective. The results of this study indicate that the importance of the role of Islamic Banks for the majority of Gorontalo people is Muslim so that it requires an increase.

PENGARUHCAREER DEVELOPMENT DAN WORK-LIFE BALANCE DIMEDIASI OLEH EMPLOYEEENGAGEMENT TERHADAP TURNOVER INTENTION

Abstract
 Human Resources (HR) is the main element of the organization. Developing yourself and providing a balanced work life can minimize the rate of employee turnover or termination (turnover intention). This study has the urgency of the turnover rate at PT. Bank Rakyat Indonesia (Persero) Tbk. Denpasar Gajah Mada Branch Office which will increase by 7 people in 2021 and its relationship with career development and work life balance. The researcher aims to determine the effect of career development and work-life balance mediated by employee engagement on turnover intention. Hypothesis Testing using Hypothesis Testing (F-test) in the ANOVA Model and Hypothesis Testing (T-test) in the Coefficients Model with quantitative data with a sample of 80 people from a population of 393 based on the Slovin Model with the instrument in the form of a questionnaire. The results obtained are F_calculated career development, work life balance and employee engagement 1,203 and Sig. 0.315 > 0.050, it can be stated that career development has "not significant" effect on turnover intention, work-life balance has "not significant" effect on turnover intention, career development has "positive and significant" effect on employee engagement, work-life balance has "positive and significant" effect on employee engagement, career development and work life balance mediated by employee engagement have "not significant" effect on employee engagement, but have a positive and significant effect on turnover intention.So it is important for the company to provide opportunities for every employee to improve their career path but still pay attention to work balance.

Analysis of the Factors Influencing Credit Distribution at PT. Bank BTN (Persero) Tbk. Medan Branch Office

The formulation of the problem in this study is how to influence Third Party Funds (DPK), Return on Assets (ROA) and interest rates on lending at PT. Bank BTN (Persero) Tbk. Medan Branch Office. While the objective of this research is to analyze the effect of third party funds (DPK), Return on Assets (ROA) and interest rates on lending at PT. Bank BTN (Persero) Tbk. Medan Branch Office either partially or simultaneously. The data source in this study is the 2012-2016 financial reports. The data analysis technique used was multiple linear regression using the SPSS version 17.0 program. The results showed that the t-count value for the DPK variable (X1) (13.112) > (12.706) or (0.048) < (0.05), partially DPK has a positive and significant effect on LDR. The t-count value for the variable ROA (X2) (11.659) < (12.706) or (0.054) > (0.05), partially ROA has no positive and significant effect on LDR. The t-count value for the variable interest rate (X3) (13.152) > (12.706) or (0.048) < (0.05), partially the interest rate has a positive and significant effect on LDR. Simultaneously the DPK, ROA and interest rate variables have a significant effect on LDR at PT. State Savings Bank (Persero) Tbk. Medan Branch (Fcount > Ftable (75.504 > 19.16) or sig F <5% (0.084 > 0.05).