Bank BRI Research Articles

Analisis Pengukuran Tingkat Kesehatan Bank Menggunakan Metode Camels dan RGEC pada Bank Konvesional yang Terdaftar di BEI Periode Tahun 2019-2023

A bank is an institution that collects public funds in the form of savings. This study aims to analyze the health levels of banks listed on the Indonesia Stock Exchange (BEI) from 2019 to 2023 using the Camels and Rgec methods. This research utilized a quantitative descriptive approach. The research population consisted of state-owned banks listed on the BEI, with a sample size of 4 companies: BNI, BRI, BTN, and Mandiri. Data collection techniques involved documentary methods using secondary data, specifically the financial reports of state-owned banks available on the BEI or respective bank websites. The research findings indicate that for Bank BNI, the Camels score indicates a healthy status with a score of (90.84), while the Rgec score indicates a very healthy status with a score of (90.66). For Bank BRI, the Camels score suggests a fairly healthy status with a score of (71.65), and the Rgec score indicates a very healthy status with a score of (86.67). Bank BTN shows a less healthy status with a Camels score of (60.89), but a healthy status with an Rgec score of (76.67). Bank Mandiri exhibits a less healthy status with a Camels score of (62.02), while the Rgec score indicates a very healthy status with a score of (87.33).

The Effect of Digitalization of Banking Services on Consumer Satisfaction

Digitalization services are a banking innovation in providing fast services that can be accessed anytime and anywhere to consumers. Bank BRI Sisimangaraja is one of the banks developing this digitalization service innovation. Consumer satisfaction is the main factor that must be considered by a service provider company, especially banking, to maintain the company's survival. Therefore, in order to achieve consumer satisfaction, digitalization services are carried out well and correctly. The aim of this research is to find out whether the digitalization of banking services has an effect on bank consumer satisfaction. In accordance with research, there are four elements of measuring banking digitalization services that influence consumer satisfaction, namely speed, accuracy, comfort and security. This research uses quantitative research methods with multiple linear regression analysis. The respondents in this research were 120 people who were active customers of Bank BRI Sisimangaraja. The research results obtained from this research show that speed has a significant effect on consumer satisfaction. The size of the regression coefficient is 0.221, meaning that speed influences consumer satisfaction by 0.221 units. Accuracy has a significant effect on consumer satisfaction. The size of the regression coefficient is 0.267, meaning that accuracy influences consumer satisfaction by 0.267 units. Convenience has a significant effect on consumer satisfaction. The size of the regression coefficient is 0.452, meaning that comfort influences consumer satisfaction by 0.452 units. Security has a significant effect on consumer satisfaction. The size of the regression coefficient is 0.710, meaning that security influences consumer satisfaction by 0.710 units. In this way, speed, accuracy, comfort and security have a significant effect simultaneously (together) on the consumer satisfaction variable. Based on the results of the table analysis, the adjusted R square value is 0.479. This means that the influence of service and product quality contributes a joint influence of 47.9% to the consumer satisfaction variable, while the remaining 52.1% is influenced by other variables.

Digital Marketing Effectiveness By Implementing Search Engine Optimization (SEO) In The Indonesian Banking Sector

This study evaluates the use of Search Engine Optimization (SEO) in digital marketing strategies within the Indonesian banking sector, specifically focusing on Bank Central Asia Tbk (BCA), Bank Mandiri Persero Tbk, and Bank Rakyat Indonesia Persero Tbk (BRI), during the period from February 2024 to April 2024. Employing an exploratory qualitative method, the research aims to gain an in-depth understanding of how these three banks implement SEO and how these strategies impact their customer engagement. The findings indicate that BCA utilizes Twitter as the primary platform for delivering rapid information, while Bank Mandiri and BRI prefer WhatsApp Web for direct and personal communication with customers. Additionally, BRI leverages video content on YouTube to enhance user engagement. The dominance of WhatsApp Web in social traffic for Bank Mandiri and BRI highlights the effectiveness of instant messaging platforms in building direct communication with customers. Conversely, Twitter proves effective in reaching a broader audience for BCA. This study emphasizes the importance of tailoring digital marketing strategies to suitable platforms to achieve specific business objectives and demonstrates the value of qualitative methods in understanding the dynamics and complexities of digital marketing within the banking sector.

Analisis Penerimaan Dana Kredit Usaha Rakyat (KUR) Pada UMKM pada PT. Bank BRI Unit Tapa Kota Gorontalo

This research aims to find out whether there is an impact on providing people's business credit (KUR) to MSMEs at PT. Bank Rakyat Indonesia (Persero) Tbk. Tapa Unit Gorontalo Branch Office. This research uses qualitative methods with the data sources used, namely primary and secondary data. The data collection techniques used were observation, interviews and documentation. The object of this research is an analysis of the provision of people's business credit (KUR) funds to PT. BRI bank unit tapa Gorontalo city. The results of the research show that there is an assessment of the character of prospective customers at Bank BRI Tapa unit which is intended to determine the candidate's honesty and good faith in paying off or returning the loan, so that it will not cause difficulties for the bank in the future. The relationship between credit giver and credit recipient is a mutually beneficial cooperative relationship with the credit giver's trust in the credit recipient based on the credit recipient's credit rating. The procedures for granting and assessing credit by the banking world between the BRI Tapa unit and other banks are not much different. The difference may only lie in the procedures and requirements established with individual considerations. Settlement of bad debts in KUR credit at Bank BRI Unit cannot be resolved non-litigationally because Kur itself is a program from the government to make it easier for people who want to do business.

Pengaruh Sistem Informasi Akuntansi dan Pengendalian Internal Terhadap Kinerja Karyawan Pada BRI Kantor Cabang Gorontalo

The purpose of this research is to determine the effect of accounting information systems and internal control on the performance of BRI Gorontalo Branch Office employees. The type of method used in this research is a quantitative method with data collection techniques using questionnaire surveys and observation. The number of respondents in this research was 40 respondents consisting of Branch Managers, Managers, Supper Visors, Tellers, CS, Marketing and Support at Bank BRI. The tool used in this research uses multiple linear regression analysis. The research results show that 1. Accounting information systems have a positive and significant effect on employee performance. 2. Internal control has a positive and significant effect on employee performance. 3. Simultaneously the accounting information system and internal control have a positive and significant effect on employee performance with a determinant value of 62.3% while the remaining 37.7% is explained by other variables not examined in this research.

Analisis Kredit Macet dalam Menentukan Kebijakan Restrukturisasi

This research aims to find out how bad credit is resolved by credit restructuring at BRI Central Unit. This research uses descriptive qualitative research methods. The data source used in this research is primary data obtained from interviews and secondary data obtained from the agency, namely Bank BRI Central Unit. Data collection methods were carried out using observation, interviews and documentation methods. Based on the research results, it shows that resolving bad credit or problematic credit in the BRI Central Unit implements a restructuring policy as an effective and efficient way to reduce the level of bad credit. BRI Central Unit creditors have carried out credit restructuring in accordance with applicable banking laws and internal bank regulations. In settlement using the restructuring method, the creditor adheres to the conditions issued by BI, in accordance with the provisions regarding credit restructuring was first regulated in Bank Indonesia Directors’ Decree No. 31/150/KEP/DIR dated 12 November 1998 concerning Credit Restructuring which was later changed to Bank Indonesia Regulation No. 2/15/PBI/2000 concerning Credit Restructuring

Analysis the Impact of Credit Risk, Liquidity Risk, Management Efficiency on Profitability through Capital in KBMI 4 Banking

This research aims to analyze the influence or impact of credit risk (NPL), liquidity risk (LDR), management efficiency (BOPO) on profitability (ROA) through capital (CAR) as mediating variables in KBMI 4 banking, namely BRI, BCA, BNI and Mandiri Bank. The data collection method is bank annual report data from 2019 - 2023. The analysis method in this research is quantitative analysis, to determine the correlation between variables X1, X2, and X3 to Y and Z as mediating variables. using statistical path analysis techniques and to test the level of significance using the inner model test by looking at the p-value processed with the Smart PLS program. The research results concluded that LDR and BOPO had a negative and significant impact on CAR, BOPO had a negative and significant impact on ROA, NPL had a negative and insignificant impact on ROA. However, NPL has a positive and significant impact on CAR, LDR and CAR have a positive and significant impact on ROA. Apart from that, in testing the indirect effect, the results showed that CAR was able to mediate the influence of the BOPO variable on ROA which had a negative and significant impact. However, the CAR variable is unable to mediate the effect of NPL and LDR on ROA.

The Effect of Financial Literacy and Credit Procedures on Credit Taking Decisions

Purpose: This study aims to determine the effect of Financial Literacy on Credit Decision Making. To assess the effect of Credit Procedures on Credit Taking Decisions. Moreover, to determine the impact of Financial Literacy and Credit Procedures on Credit Decision Making. Research Design and Methodology: The population in this study were debtors of Bank BRI Jayapura City Unit Office who applied for credit in 2021-2022, totaling 1,714 debtors. The sampling technique used in this study is proportional random sampling. Data sources use primary data and secondary data. The statistical analysis method used in this research is Multiple Linear Regression Analysis based on the T Statistical Test technique, F Statistical Test, and the Coefficient of Determination with the help of SPSS version 29 software. Findings and Discussion: The results showed that Financial Literacy has a positive and significant effect on Credit decision-making, and credit procedures have a positive and significant effect on credit decisions. Financial Literacy and Credit Procedures simultaneously affect the decision to take credit at BRI Bank Jayapura City Unit. Implications: This research is expected to significantly influence future studies in economics, particularly financial management. The results are also likely to serve as a reference and comparison material for further research related to credit decision-making.

The Effect of the Amount and Term of Credit and the Debtor's Business Income on the Repayment of People's Business Credit

This study aims to determine the influence of the loan amount, loan term, and debtor's business income on the repayment of People's Business Credit (KUR) at Bank BRI Unit Cijeruk, Bogor, with the account officer as a moderating variable. Credit repayment refers to the debtor's ability to repay the loan, which affects credit collectability. The study population consists of 2,589 debtors registered at Bank BRI Unit Cijeruk in 2023. From this population, 104 debtors were selected as samples using purposive sampling techniques. The analytical tools used in this study are logistic regression and Moderated Regression Analysis (MRA). The results indicate that the loan amount, loan term, and debtor's business income have a significant impact on KUR repayment. Furthermore, the account officer, as a moderating variable, is proven to moderate the effect of the debtor's business income on KUR repayment. However, the account officer does not moderate the effect of the loan amount and loan term on KUR repayment. These findings highlight the importance of the role of account officers in enhancing the effectiveness of KUR repayment, particularly in the context of the debtor's business income, while they do not provide a moderating effect on the loan amount and loan term.

Implementasi Penggunaan Fitur Tarik Tunai Tanpa Kartu ATM Melalui Aplikasi BRI Mobile pada Masyarakat di Kota Kupang

This study aims to determine the implementation of the use of the ATM cardless cash withdrawal feature through the BRI Mobile application in Kupang City and to determine the development strategy for the ATM Cardless Cash Withdrawal Feature through the BRI Mobile application in the community in Kupang City. This study uses a qualitative descriptive approach, by conducting structured interviews with informants of leaders, employees and BRI Bank customers who use the ATM cardless cash withdrawal feature through the BRI Mobile application in the community in Kupang City. The data analysis technique in this study uses SWOT analysis. The results of the study using SWOT Analysis (Strength, Weakness, Opportunities, Threat) concluded that the total IFAS score of 3.30 indicates that BRI Bank is strong internally in implementing the ATM Cardless Cash Withdrawal Feature through the BRI Mobile application. While the total EFAS score of 3.10 indicates that BRI is able to read the opportunities that come and anticipate existing threats.

The influence of risk tolerance and brand trust on investment decision and customer engagement behavior

Understanding the impact of Risk Tolerance and Brand Trust on Investment Decisions and Customer Engagement Behavior is imperative in today's competitive financial environment. This study investigates the direct and mediating effects of Risk Tolerance and Brand Trust on Investment Decisions and Customer Engagement Behavior. Utilizing a quantitative approach with a survey method, data were collected from 144 private customers of Bank BRI in East Java through random sampling techniques. Structural Equation Modeling (SEM) was employed for data analysis. The research reveals significant direct effects of Risk Tolerance and Brand Trust on Investment Decisions. Likewise, the direct effects of brand trust and investment decision on customer engagement behavior are significant. However, the influence of risk tolerance on customer engagement behavior is not significant. These findings underscore the intricate dynamics of consumer behavior in the financial sector. This study contributes to a deeper understanding of how risk perception and trust in the brand affect investment decisions and customer engagement behavior, offering insights for strategic decision-making in the banking industry.

Pengaruh E-Banking Service Quality dan Brand Image untuk Membangun E-Wom dan Niat Pelanggan Menggunakan E-Banking

The COVID-19 pandemic has disrupted banking operations that are carried out directly to customers and increased the threat of physical contact for retail bankers and customers, as a result, the world is turning to Internet banking to continue routine transactions for bill payments, grocery purchases, and brand shopping. This study aims to determine the effect of e-banking service quality and brand image on Ewom and the effect of e-banking service quality, brand image, and EWOM on customer intentions to use e-banking at Bank BRI in Denpasar City. The variables studied in this study are e-banking service quality, brand image, E-wom, and customer intentions in using e-banking. The data used is primary data, namely the results or answers of respondents through questionnaires. The study employed a purposive sampling technique to gather data from BRI Bank customers in Denpasar City, with a total of 235 respondents participating. Path analysis was utilized as the analytical method. The findings indicated a favorable impact of E-banking service quality on electronic word-of-mouth (e-wom) at BRI Bank in Denpasar City. Additionally, E-banking service quality demonstrated a positive influence on customers' intentions to utilize BRI Bank E-Banking services in the same city. Likewise, the brand image variable exhibited a constructive effect on e-wom for BRI Bank in Denpasar City and also positively influenced customers' intentions to use BRI Bank E-Banking services. Ultimately, the e-wom variable was found to have a positive impact on customer intentions to engage with BRI Bank E-Banking services in Denpasar City.

THE IMPACT OF E-SERVICE QUALITY AND PERCEIVED RISK ON TRUST IN BANKING SERVICES

The world of banking is still the driving force of the national economy today by channeling funds to third parties. To be able to win the competition, banks must be able to maintain the trust of their customers. The design of this research aims to determine the impact of e-service quality and perceived risk on trust in BRI Jember Branch. The population in this research is planned to be all customers of Bank BRI Jember Branch. The sample design was 75 respondents. The data analysis method is to use descriptive analysis. Validity tests and reliability tests are used to test research measuring instruments. Multiple linear regression analysis was used to test the research hypothesis. The results of this research are expected to show that e-service quality and perceived risk can increase customer trust in BRI Jember Branch.

Implementasi Kebijakan Kredit Usaha Rakyat Guna Mendorong Peningkatan UMKM di Kantor Cabang Non Metro Bank BRI Jakarta 3

Kredit Usaha Rakyat (KUR) is a government policy in Indonesia initiated in 2007. KUR provides financial assistance to micro, small, and medium enterprises (MSMEs) under specific conditions and terms. The general aim of KUR is to support the Indonesian community in developing their MSMEs to progress continuously. It not only aids the community in business ventures but also contributes to Indonesia's GDP due to the significant potential of MSMEs in boosting the national economy. This study aims to understand how the implementation of the Kredit Usaha Rakyat (KUR) operates in non-metro branch offices of Bank BRI. The research employs a qualitative method involving interviews with employees at the Jakarta 3 regional office of Bank BRI, revealing that the policy's implementation has been effective.

Dapatkah Anda Menangani Tekanan?

This research was conducted to find out how the efforts of employees at BRI Bank Teuku Umar Sub-Branch Office in overcoming the workload pressure received so that the performance of each employee can be maintained so as to avoid turnover intention (intention to change jobs). This study uses qualitative data types that use 6 people as research informants. Determination of informants using purposive sampling technique, by way of observation, interviews and documentation. The results obtained from this study are that the workload pressure received by employees at BRI Bank Teuku Umar Sub-Branch Office does not decrease employee performance, because each employee has a way to deal with stress resulting from work pressure received. efforts to overcome this pressure in the form of taking leave, exercising, traveling with family to carrying out hobbies that are liked, so that the perceived work pressure does not affect employee performance and intentions to move jobs from the company.

Financial Performance Analysis Using The Profitability Ratio at PT. Bank Rakyat Indonesia (Persero) Tbk Period 2020-2022

This study aims to determine the financial performance of PT. Bank BRI (Persero) Tbk during the 2020-2022 period. The research method used is quantitative with data collection techniques through documentation and observation, which involves financial statement data such as balance sheets and profit and loss statements prepared by Bank BRI. The data analysis technique involves the use of profitability financial ratio analysis consisting of Return on Assets (ROA), Return on Equity (ROE), and Net Profit Margin (NPM). The research findings show that Return on Assets and Return on Equity are experiencing very healthy conditions, while the Net Profit Margin value shows unhealthy conditions in the performance of PT. Bank BRI (Persero)

Digital Banking Transformation AI Enhances Efficiency And Customer Experience Seminar Perspective Industry

This study examines the transformative impact of artificial intelligence (AI) on operational efficiency in the Indonesian banking sector. It investigates how AI technologies enhance responsiveness to customer inquiries, streamline service processes, and improve overall customer satisfaction. Using a qualitative approach, the research integrates literature reviews, in-depth interviews, and case studies to comprehensively analyze AI adoption and its implications. The findings demonstrate that AI implementation not only boosts operational efficiency but also facilitates personalized customer service through advanced data analytics and AI-driven automation. The study emphasizes the importance of transparent AI algorithms and robust data protection measures to address ethical considerations and ensure adherence to Sharia principles. Insights from leading banks such as Bank Mandiri and Bank BRI highlight substantial reductions in operational costs and enhanced service capabilities following AI integration. This research contributes to a deeper understanding of AI's role in shaping contemporary banking services and provides strategic recommendations for optimizing AI applications in Indonesian banks.

The Kruskal Wallis Analysis of Indonesian Sharia Banking Post-Merger

In 2020, the Ministry of BUMN decided to merge three Sharia banks in Indonesia, namely Bank Syariah Mandiri (BSM), BNI Syariah and BRI Syariah with the aim of contributing to the economy, increasing market share, as well as the aim of efficiency and increasing income from financing products. Since this phenomenon occurred, a lot of research has been carried out, one of which is examining the performance of Bank Syariah Indonesia after the merger process was carried out. This research aims to examine differences in the performance of Indonesian Sharia Banks in terms of efficiency and income aspects using the Kruskal Wallis method. It is hoped that this research can become a reference, knowledge and provide an overview for academics, the general public, customers and potential investors to assess whether the BUMN Ministry's decision to merge these three banks is considered effective and has had a positive impact on stakeholders and the banks themselves. The results of this study show that efficiency measured by EFF shows a difference, while P/L does not. Revenue as measured by ROA showed no difference, while NPM experienced changes after the merger.

Pengaruh Budaya Organisasi, Intregritas Dan Loyalitas Terhadap Kinerja Karyawan Bank Bri Unit Tubei Kanca Curup

To find out how big the influence of Organizational Culture is on Employee Performance, the Influence of Integrity, the Influence of Loyalty at Bank BRI Tubei Kanca Curup Unit. This research uses data collection techniques by distributing questionnaires, the sampling technique is using saturated or proballty sampling techniques. This research uses an approach quantitative which is explanatory in nature. There is an influence of organizational culture (X1) on employee performance (Y) BRI Bank Store Tubei Kanca Curup Unit with a value of tsig < α (0.001 ttable (2.571> 1.68107) with Thus, Ho is rejected and Ha is accepted. There is an influence of integrity (X2) on employee performance (Y) at the BRI Bank Store, Tubei Kanca Curup Unit with a value of tsig < α (0.004 ttable (2.571> 1.68107) Thus Ho is rejected and Ha is accepted. There is an influence of loyalty (X3) on employee performance (Y) of the BRI Bank Shop Tubei Kanca Curup Unit with a value of tsig < α (0.003 ttable (2.571> 11.68107) thus Ho is rejected and Ha accepted. Keywords : Influence of Organizational Culture, Integrity and Loyalty

ANALISIS STRATEGI E-CHANNEL PT. BANK RAKYAT INDONESIA DI REGIONAL OFFICE PADANG

The aim of this research is to analyze the e-channels strategy of Bank BRI Regional Padang. Analysis was carried out using the business model canvas (BMC) and SWOT analysis. In this research, 3 informants were taken from within the company. The research stages begin with the Business Model Canvas and SWOT, problem identification, data collection, data analysis, interpretation of results and conclusions. Through the analysis described above, the results obtained show that Bank BRI has implemented the Business Model Canvas. Based on the results of the SWOT matrix, 14 alternative strategies were obtained that Bank BRI Regional Office Padang could choose in an effort to improve e-channel. After carrying out the SWOT analysis, further development was carried out by adding additions to each element of the 9 BMC blocks to produce a new business model canvas on the BRI Bank e-channel. The limitations of this research are limited to only using the Business Model Canvas analysis method and SWOT analysis. It is recommended to use the analysis method using QSPM to get better results. The informants in this research only focused on informants who came from within the company. It is recommended that further research include informants from external parties such as the OJK.