Bank BRI Research Articles

CONNECTING THE DOTS: CSR, JOB SATISFACTION, AND ORGANIZATIONAL CITIZENSHIP BEHAVIOR

Corporate Social Responsibility (CSR) is garnering increasing attention within the realm of business and organizations, owing to its substantial impact across various dimensions, including Organizational Citizenship Behavior (OCB) and Job Satisfaction (JS). This quantitative study was designed to investigate the direct relationship between perceptions of CSR and OCB, as well as the mediating role of JS. The research encompassed 192 respondents hailing from Bank Mandiri, BNI, and BRI, employing a non-probability sampling method. Data collection was facilitated through the distribution of questionnaires via Google Forms, while data analysis was executed using the SmartPLS3. The study's outcomes indicate that employees' perceptions of CSR in these corporations, exert a positive influence on JS and stimulate voluntary OCB. Effective CSR practices are shown to elevate JS, subsequently resulting in heightened OCB, thereby bestowing favorable impacts upon these organizations.

Estimasi Pemberian Pinjaman Kredit Usaha Rakyat (KUR) di Bank BRI Unit Tangkerang Pekanbaru menggunakan Regresi Logistik

People’s Business Credit (KUR) is vulnerable to unwanted risks such as bad credit. The reduce bad credit, banks need to analyze whether customer debtors meet the requirements for credit. The aim of this research is to determine the logistic regression analysis model and determine the factors that influence the provision of People's Business Credit (KUR) at Bank BRI Unit Tangkerang Pekanbaru. The method used is the Logistic Regression method. Based on the research results, it was found that the factors that influence the provision of People's Business Credit (KUR) at Bank BRI Unit Tangkerang Pekanbaru are business turnover and business profit. So the logistic equation is obtained with the resulting logit function being g(x) = -11.587+0.501x_1+2.549x_2. The calcification value for granting People's Business Credit (KUR) using logistic regression is 93.84%.

The Impact of Transformational and Transactional Leadership on Employee Performance

Transformational leadership is a dynamic approach that motivates individuals to work together in achieving organisational goals. It emerges whenever someone exhibits the ability to guide others' behaviours towards a common objective. This leadership style enables leaders to inspire their subordinates positively. The objective of implementing transformational leadership is to improve employee performance within the banking industry in North Sulawesi, Indonesia. The study focuses on three banks, namely Bank BRI, BNI, and BSG, which have branches throughout the North Sulawesi region. A total of 176 employees participated as respondents. Following the collection of data, an analytical method known as Partially Least Squares Structural Equation Modelling (PLS-SEM) was employed for the purpose of analysis. The results provide empirical evidence that transformational leadership has a positive influence on employee performance, particularly in the realms of individual consideration and individual inspiration. Nevertheless, dimensions such as intellectual stimulation and inspirational motivation do not exhibit a significant correlation with performance-related activities. Moreover, the contingent reward aspect of transactional leadership does not demonstrate a significant impact on employee performance.

The Influence Of Leadership And Work Facilities On Employee Performance At Bank Bri Manna Branch, South Bengkulu District

The Influence Of Leadership And Work Facilities On Employee Performance At Bank Bri Manna Branch, South Bengkulu District

Analisis Perbandingan Kinerja Keuangan pada Bank Rakyat Indonesia dan Bank Tabungan Pensiunan Nasional Syariah Periode 2017-2022

Banks as intermediaries that can help mobilize and channel public funds need to be measured by how successful financial management has been. By knowing its financial performance, we can also find out whether the company is running smoothly or not, and can see its banking and financial prospects. This research was conducted to discuss differences in the financial performance of Bank Rakyat Indonesia and the Sharia National Pension Savings Bank in the 2017-2022 period. This research is a quantitative study with the number of samples studied, namely 24 quarterly financial reports of Bank BRI and Bank BTPN Syariah. Selection of the sample using the saturated sample method. Methods of data analysis using independent sample t-test and Mann-Whitney test analysis. The results showed that there was a significant difference between the financial performance of Bank Rakyat Indonesia and the Sharia State Pension Savings Bank for the 2017-2022 period based on all the financial ratios studied, namely ROA, ROE, BOPO, NPL/NPF, FDR/LDR, NIM/NOM and CAR. The financial performance of the Sharia National Pension Savings Bank is superior to Bank Rakyat Indonesia in terms of the ratios of ROA, ROE, BOPO, NIM/NOM, FDR/LDR NPL/NPF and CAR for the 2017-2022 period.

Faktor-Faktor Yang Mempengaruhi Keputusan Nasabah Memilih Produk Tabungan BritAma Bank BRI Di Kelurahan Fatukoa Kota Kupang

The main problem in this research is what factors influence customer decisions in choosing BRI Bank Britama Savings Products in Fatukoa Village. The aim of this research is to see and explain what influences the decisions of Fatukoa Village customers in saving with Britama Savings Products. This type of research uses descriptive qualitative research. The data sources in this research are primary data and secondary data. Where data collection uses interview, observation, and documentation techniques. determining informants using Purposive Sampling, totaling 6 people. The time and place of the research was carried out in the 2023-2024 academic year, on a number of customers who live in Fatukoa Village, Kupang City. The results of this research explain that the factors that influence customers' decisions in choosing Britama Bank BRI savings products are influenced by cultural factors because cultural influences play a key role in customer decisions. The socialization process from the experience of being a customer for eight years, the use of banking products since the beginning of college, and the management of business transactions are the main factors in choosing Britama Savings. Social Factors due to the existence of reference groups, both from friends and family, have a big impact. Suggestions from friends about the benefits of interest rates and easy access to BRI Bank's online services, as well as recommendations from wives who are BRI Bank customers, are taken into consideration in the decision to save on Britama Products. Personal Factors due to Age, life cycle stage, work and economic environment are factors personal influences on product choices. The decision to save in BRI Bank Britama Products is based on long-term goals, investment, financial discipline, and economic considerations as well as income that can be invested, and Psychological Factors because the motivation for opening a Britama Savings account is related to biogenic and psychogenic needs, such as increasing pension funds, long-term investment, increasing financial discipline, and building savings habits. Trust and positive attitudes towards Britama products, supported by the reputation and security of BRI Bank, also play a key role in decision making. Apart from that, information from reference groups, socialization experiences, economic considerations, and trust in banking institutions are key factors that shape customer decision behavior.

Manfaat Kredit Usaha Rakyat Bagi Pelaku Usaha Kecil Dan Menengah Di Kecamatan Langke Rembong Kabupaten Manggarai

This research aims to explain the benefits of providing BRI Bank People's Business Credit loans for Small and Medium Enterprises. This research was conducted at Bank Rakyat Indonesia because it is one of the banks that distributes the KUR assistance program. This research uses primary data and secondary data. The research results show the benefits of providing BRI bank KUR assistance to SMEs, namely that small and medium business actors are helped by getting capital to open a business, develop businesses that are already running and can provide employment assistance for other people. Obstacles that small and medium business actors often face when applying for small and medium business credit assistance include incomplete requirements, bad personalities and inappropriate credit guarantees. It is hoped that the provision of people's business credit loans will be able to provide benefits to small and medium business owners, both for the businesses they run and to fulfill other economic needs.

Pengaruh Ukuran, Likuiditas, dan Kinera Keuangan Bank Dengan Financial Technology Sebagai Variabel Moderasi Pada Bank Umum Konvensional di Indonesia

This study aims to determine the effect of bank size, liquidity, and financial performance with financial technology as a moderation variable (Study on Conventional Commercial Banks in Indonesia 2016-2021). The samples used were financial statement data from Bank BNI, BRI, Mandiri, and BTPN for 2016-2021, so 24 samples of this study were obtained because each bank has 6 financial statements. The sampling technique uses purposive sampling. The tests used in this study are validity, reliability, normality, heterokedasticity, multicollinearity, multiple linear regression analysis, moderating regression analysis, partial tests, simultaneous tests, and determination coefficient tests. The results showed that partially the size variable did not have a significant effect on financial performance, but the liquidity variable had a significant effect on financial performance. In the results of the moderation test, size and liquidity variables have a positive and significant effect on the financial performance of conventional banks which is moderated by financial technology variables.

Analisis Komparatif Tingkat Literasi Keuangan dan Prilaku Pengelolaan Keuangan pada Nasabah Bank Emok dan Bank BRI Unit Tanjung Jaya di Desa Sukaratu Kec.Cilebar Kab. Karawang

The financial sector, especially banking, is considered a pillar of economic growth and national stability which plays an important role in improving people's living standards by collecting funds from them to support national development. However, limited access to formal financial institutions encourages people to seek loans from non-formal institutions such as Bank Emok. BRI Bank is also an option, but complex administrative procedures and fear of difficult requirements are obstacles. Most people prefer loans from Emok Bank or loan sharks. The majority of the people of Sukaratu Village work as agricultural laborers to meet their living needs, but the people of Sukaratu Village need more money to improve their standard of living, such as business capital and educational needs. Therefore, improving financial literacy and financial management behavior is essential to help people overcome economic problems and improve their standard of living. This research aims to conduct a comparative analysis regarding the level of financial literacy and financial management behavior between customers of Bank Emok and Bank BRI Tanjung Jaya Unit in Sukaratu Village, Cilebar District, Karawang Regency. The data analysis method used is quantitative research and uses a quantitative descriptive research method design: comparative study. The sample used in this research was 69 Bank Emok customers and 65 Bank BRI Tanjung Jaya Unit customers, respondents who had loans at the bank. This research uses sample Independent T Tast Test analysis, which is a statistical test used to test the average difference between two unpaired variables, based on the sample Independent T Tast Test carried out on customers of Bank Emok and Bank BRI Tanjung Jaya Unit, the results of t -test for Equality of Means Sig value. (2-tailed) greater than 0.05. shows that there is no significant difference between the average level of financial literacy and financial management behavior of Bank Emok and Bank BRI Tanjung Jaya Unit customers. Keywords: BRI Bank Tanjung Jaya Unit Customers, Emok Bank Customers, Financial Literacy, Financial Management Behavior.

Pengaruh Kepercayaan dan Kepuasan terhadap Loyalitas Pelanggan (Studi Kasus pada Nasabah Bank BRI Unit Sodong Kabupaten Tasikmalaya)

This study aims to determine the effect of trust and satisfaction simultaneously and partially on customer loyalty at Bank BRI unit Sodong Kab. Tasikmalaya. The research method used in research is a quantitative approach with survey methods. The population in this study amounted to 100 respondents. The types of data used are classical assumption tests and multiple regression analysis using SPSS version 25. The results of this study show that trust and satisfaction simultaneously have a significant effect on customer loyalty. Partially, the trust has a significant effect on customer loyalty, as well as the partial satisfaction has a significant effect on customer loyalty

Forming an Optimal Portfolio with a Single Index Model: Empirical study on banking stocks in the LQ45 Index

The aim of forming an optimal portfolio in this research is to determine the composition of the shares that form the portfolio. Apart from that, this research also aims to determine the expected return and risk of the portfolio being formed. The research sample is 5 banks included in the LQ45 Index. The data used is monthly stock prices. Data analysis uses a single index model, where the reference index is the Composite Stock Price Index on the Indonesian Stock Exchange. The results of the analysis found that there were shares of 4 banks that were included in the optimal portfolio. The proportion of each stock in the portfolio is as follows: Bank Mandiri 60.13%, Bank BRI 26.71%, Bank BCA 8.91%, and Bank BNI 4.25%. The portfolio formed is able to minimize risk compared to the shares that form the portfolio.

EVALUASI KINERJA KEUANGAN PT BANK SYARIAH INDONESIA SEBELUM DAN SETELAH DILAKUKAN MERGER

To increase the market share and strengthen the capital of Islamic banking in Indonesia as well as to expand their business, the government expanded Islamic banks externally through the merger of 3 (three) state-owned Islamic banks to become PT Bank Syariah Indonesia. The method used in this research is descriptive quantitative where this study analyzes the financial performance of Islamic Banks forming Bank Syariah Indonesia which consists of 3 (three) Islamic banks namely PT Bank Syariah Mandiri, PT Bank BRI Syariah, and PT Bank BNI Syariah during the research period 2019-2022, by comparing 2 period before and 2 period after the merger. The results of the paired sample t-test showed that there were differences for the 6 (six) financial ratios of the 9 (nine) financial ratios studied between before and after the merger in the observation period. These results indicate that the merger provided a significant improvement in the financial performance of PT Bank Syariah Indonesia.

Analisa Laporan Keuangan Nasabah dan Peranannya dalam Pemberian Kredit pada PT Bank Rakyat Indonesia (Persero) Tbk Unit Lubuk Begalung Padang

Financial reports have a dual role as a guide for customers in preparing financial reports and as a source of inspiration for BRI's credit department. Analysis of customer financial reports, supported by financial reports, becomes an integral part of the credit process. Research involves credit monitoring procedures and analysis of customer financial reports. Case studies on Toko Rhio Yudha Gama and Toko Dikcy Oksani Junaidi show positive results in liquidity, solvency and profitability, validating their suitability for obtaining credit with low risk. Analysis of financial ratios, such as current ratio, quick ratio, debt to total asset ratio, and return on equity, provide a satisfactory performance picture. The research conclusion confirms that credit assessment based on analysis of financial statements and profit and loss has great significance. Financial ratios are the main indicator, reflecting whether a customer is worthy of receiving a loan. In addition, BRI Bank determines the loan nominal using Repayment Capacity, which is the customer's repayment capacity of 50% of the net profit in the profit and loss statement.

Comparative Analysis of Green Banking Implementation in Mitigating Financing Distribution Risk between Bank Syariah Indonesia and Bank Rakyat Indonesia

Introduction: In the distribution of financing, the implementation of green banking is outlined in green finance, which is one of the financing schemes or lending to environmentally friendly businesses. Green finance activities focus on risk mitigation in providing financing to sustainable development projects by considering the impact that these projects will have. Objectives: This research aims to find out how the application of green banking implementation analysis mitigates the risk of financing distribution. Method: This research is qualitative research of descriptive type. The data sources in this study are the BSI and BRI Sustainability Reports for the 2021-2022 period. The data collection technique used is the library method. Results: The results of this study are seen based on a comparative study conducted between Bank Syariah Indonesia and Bank Rakyat Indonesia, there are differences and similarities between the two banks. One of the differences between the two banks lies in terms of bank monitoring of the company being financed, BSI monitors its business once every three months while BRI monitors it once a year. In addition, there are also similarities between the two banks, one of the similarities between the two banks lies in providing financing to palm oil companies that must have ISPO or RSPO certificates before financing. Implications: This research is expected to provide implications for the green banking program implemented by Bank BSI and Bank BRI in mitigating the risk of financing distribution to customers. Both banks can complement each other to complement the shortcomings in their respective sectors.

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.

Kajian Strategi Restrukturisasi Kredit Usaha Rakyat dalam Mengatasi Loan At Risk (LAR)

The problem that is often faced by the banking world in general is the problem of problematic credit. The same thing happened to Bank BRI. The consequences of these problematic loans can increase the NPL level which will impact the bank's health if not handled quickly and appropriately. So in this case the bank uses credit restructuring by referring to the Loan At Risk (LAR) financial ratio as a restructuring strategy. The same thing happened to Bank BRI, where the factor that led to the implementation of the restructuring policy was because in 2019 the Covid-19 pandemic occurred which resulted in many customers being affected and unable to repay their credit on time. The consequences of these problematic loans can increase the NPL level which will impact the bank's health if not handled quickly and appropriately. So in this case the bank uses credit restructuring as a strategy to reduce non-performing loans. This type of research is qualitative descriptive analysis. Research data was collected using interviews, observation, documentation, and questionnaires. The benefits of research can be used to develop knowledge in the field of financial institutions, especially regarding the implementation of restructuring strategies in overcoming Loan At Risk (LAR). From the implementation of credit restructuring carried out by BRI Bank, it can be concluded that the implementation of credit restructuring as a strategy for reducing problem loans has been carried out effectively in accordance with the procedures and policies that have been determined by the bank's internal and banking regulations. This effectiveness can be proven by the decreasing percentage of LAR levels every year.

The Influence of Service Quality and Interest Rates on the Decision to Take Micro Credit at Bank BRI Medan Branch Hm. Yamin

This research aims to determine the influence of interest rate collection behavior and the quality of micro business credit services at Bank BRI, HM Medan branch. yes. This research uses explanatory research, where descriptive statistical methods are used to assess whether there is a relationship between the influence of services provided and interest rates on people's business credit customers. The research results showed that respondents' answers regarding service quality were considered good. The interest rate determination is in line with customer expectations and the results of the credit decision category show that respondents did not experience difficulty in determining the BRI HM Bank branch. Yamin Medan as the bank that submitted the KUR microcredit application.

The Influence of E-Banking and Service Quality on Loyalty in Customers of Bank Bri Unit Bukit Kemuning Lampung Utara

This research aims to identify and analyze the influence of E-Banking and service quality on customer loyalty at Bank BRI Bukit Kemuning Unit, North Lampung. The use of technology in the banking sector, especially E-Banking, has become an integral part of banks' strategies in improving services to customers. Service quality is also recognized as a key factor influencing customer satisfaction and loyalty. The research method used was a survey by distributing questionnaires to 40 BRI Bank Bukit Kemuning Unit customers. The data collected was then analyzed using the regression method to determine the influence of the independent variable (X1) E-Banking on the dependent variable (X2) service quality (Y) customer loyalty. By using Validity Test, Reliability Test, Multiple Linear Regression Analysis, T Test (Partial), F Test (simultaneous), Coefficient of Determination (R Square). The research results show that E-Banking has a positive and significant influence on customer loyalty. The better the acceptance and use of E-Banking by customers, the higher their level of loyalty to the bank.

ANALISIS PROSEDUR PEMBERIAN KREDIT USAHA MIKRO PADA PT BANK BRI UNIT MAPPASAILE KABUPATEN PANGKEP

The aim of this research is to analyze the procedures for providing micro business credit to customers at Bank BRI Mappasaile Unit, Pangkep Regency. The data collection technique used is documentation. The data analysis design used in this research is descriptive analysis. As for the population and sample, the population in this study is all data relating to the Procedure for Providing Micro Business Credit to Customers at Bank BRI, Mappasaile Unit, Pangkep Regency. The sample in this study is the Procedure for Providing Credit at Bank BRI, Mappasaile Unit, Pangkep Regency for the 2022 financial year. From the results of the research, it shows that the procedures for granting micro business credit at Bank BRI, Mappasaile Unit, Pangkep Regency have been running well and effectively, in accordance with the procedures, conditions, criteria for whether they are eligible or not and the guidelines that have been set, but there are several things that must be addressed because they are still There are differences in recommending credit approval and granting credit approval.

Pengaruh Kepuasan Penggunaan Mobile Banking terhadap Loyalitas Nasabah di Kota Sampit

This study was conducted with the aim of knowing how the effect of satisfaction of using Mobile Banking on loyalty and also to find out the differences in satisfaction of using Mobile Banking at BNI and BRI Banks with research locations in Sampit City. This research is a type of quantitative research with the population in this study are customers who use Mobile Banking Bank BNI and BRI using a sample technique in the form of purposive sampling with a total of 100 respondents. The results showed that the satisfaction of using Mobile Banking has a significant positive effect on customer loyalty. The results also show that there is no difference in the satisfaction of using Mobile Banking at Bank BNI and Bank BRI.