BRI Unit Research Articles

Maximize The Effectiveness Of Digital Content Marketing And Utilitarian To Establish Brand Loyalty And Influence Consumer Decisions

The objective of this investigation is to ascertain the impact of digital content marketing and utilitarian on the decision to become a BRI customer through brand loyalty. BRI Unit Simpangan Depok consumers comprise the population of this investigation. The accidental sampling technique was employed to obtain a sample of 287 respondents for this study. With the assistance of SmartPLS, data analysis was conducted using SEM. The study's findings indicate that brand loyalty is influenced by digital content marketing. Nevertheless, the decision to become a customer is not influenced by digital content marketing, either directly or indirectly, through brand loyalty. Utilitarian influences the decision to become a customer and brand loyalty, but it does not influence the decision to become a customer through brand loyalty. In the interim, the decision to become a customer is not influenced by brand loyalty. To facilitate the process of acquiring customers and cultivating a sense of loyalty to the bank's products and services, BRI must prioritize website content so that consumers can rapidly access and make informed decisions.

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.

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.

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%.

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

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 FAKTOR-FAKTOR YANG MEMPENGARUHI LOYALITAS NASABAH PADA BANK BRI UNIT PANJI DENGAN KEPUASAN NASABAH SEBAGAI VARIABEL INTERVENING

In general, marketing is an activity that creates and delivers goods or services to consumers. It is a process by which companies create value for customers and build strong customer bases to capture value from customers in return. Marketing is an organizational function and set of processes for creating, communicating and delivering value to customers and cultivating customer relationships in ways that benefit the organization and its specific interests for BRI Unit Panji customers by increasing the needs of people in Situbondo. The purpose of this study is to analyze and test factors which influence customer satisfaction at Bank BRI Panji with customer satisfaction as an intervening variable. The population in this study are customers of BRI Unit Panji in Situbondo. The sampling method is determined by probability sampling. Data analysis and hypothesis testing in this study use Partial Least Square - Structural Equation Modeling (PLS-SEM).
 The results of the direct effect hypothesis testing that used the Smart PLS 3.0 application showed that communication has a significant positive effect on customer satisfaction, products have a significant positive effect on customer satisfaction, communication has a positive but not significant effect on customer loyalty, products have a positive but not significant effect on customer loyalty. Customer satisfaction has a significant positive effect on customer loyalty, communication has a positive but not significant effect on customer loyalty through customer satisfaction, products have a significant positive effect on customer loyalty through customer satisfaction.

The Effect Of Compensation And Workload On Employee Loyalty At Bank Rakyat Indonesia Kaimana Unit

Compensation and workload are thought to influence employee loyalty. This research aims to determine the effect of compensation and workload on employee loyalty at Bank BRI Unit Kaimana. The data used in this research is quantitative data obtained through questionnaires for all 16 Bank BRI Unit Kaimana employees. Questionnaires were collected using Google Forms. Data were analysed using multiple linear regression with Excel. The results of this research are that compensation and workload have a significant effect on employee loyalty in different directions. Compensation positively affects employee loyalty, while workload hurts employee loyalty.

Effect of Internal Audit on The Prevention of Fraud

This study aims to determine the effect of internal audits on fraud prevention. The formulations in this study are has the internal audit at the Selaawi Garut Unit Bank (BRI) adequately, does internal audit affect the prevention of fraud in the bank (BRI) Selaawi Garut Unit. The research method in this study is to use quantitative methods. The object of research is internal audit and fraud prevention. The dependent variable is Fraud Prevention, while the independent variable is Internal Audit. The research population is all employees who work at Bank BRI Unit Selaawi Garut, as many as 31 people. Samples were taken randomly from as many as 31 people. Data analysis used simple linear regression. The results showed that Internal Audit affected Fraud Prevention. Furthermore, the internal audit department personnel must enhance the caliber of their analytical procedures in the context of fraud auditing, preliminary surveys, program audits, and auditor team selection. This finding will enable future researchers to replicate the study by incorporating additional variables.

Increasing MSME Revenues in Lalepo Village, Kahu District, Bone: The Impact of Public Business Loans (KUR) from BRI Unit Palattae

This study investigates the impact of People's Business Credit (KUR) provided by BRI Palattae Unit on the income growth among MSMEs in Lalepo Village, Kahu District, Bone Regency. The research was conducted over two months, from April to May 2022, within the confines of Lalepo Village. The research approach is quantitative, aligned with the positivist philosophy, which seeks to examine a specific population or sample to test predetermined hypotheses. This quantitative research employed a multiple linear regression model, and data analysis was conducted using the SPSS v25.0 application for Windows. The t-test results (partial) revealed a t-count value of 3.801, surpassing the t-table value of 2.014 at a significance level of 0.000. As the t-count value exceeds the t-table value with significance less than 0.05, the findings of this study confirm a positive and statistically significant influence of People's Business Credit (KUR) from Bank Rakyat Indonesia Palattae Unit, contributing to a 21.5 percent increase in the income of SMEs in Lalepo Village, Kahu District, Bone Regency. The remaining 78.5 percent of income variation is attributed to other unexamined variables.

IMPLEMENTATION OF CULTURE ORGANIZATION FOR INCREASING CUSTOMER SATISFACTION AT PT BANK RAKYAT INDONESIA UNIT PLUMBON

IMPLEMENTATION OF CULTURE ORGANIZATION FOR INCREASING CUSTOMER SATISFACTION AT PT BANK RAKYAT INDONESIA UNIT PLUMBON

Banking Customer Loyalty: Unveiling the Role of Customer Relationship Marketing and Customer Value

This study examines the effect of Customer Relationship Marketing and customer value on customer loyalty at PT. Bank BRI Unit Mamajang KC. Makassar, Sumba Opu. In this study, a sample of 100 respondents was used, namely BRI Bank Makassar Unit Mamajang Branch customers. This study uses primary data by conducting direct research in the field by giving questionnaires/question sheets to respondents. Data analysis used data quality tests, classical assumption tests, multiple linear regression analyses, partial tests, simultaneous tests, dominant tests, and determination tests. The results showed that: the variable Customer Relationship Marketing and customer value has a direction of influence that is in the same direction as customer loyalty. Every time there is an increase in the provision of Customer Relationship Marketing and customer value will have an impact on increasing customer loyalty. Customer Relationship Marketing variables and customer value significantly influence customer loyalty. This indicates that Customer Relationship Marketing is a determining factor for whether or not a customer is loyal.

Analisis Sistem Antrian Pada Masa Pasca Covid’19 Dengan Model Multi Channel-Multi Phase Dalam Optimalisasi Pelayanan Nasabah Bank BRI Unit Aek Kanopan (Labura)

Administrative and banking services at PT. Bank BRI Unit Aek Kanopan (Labura) has 2 services consisting of teller services and customer service services. Teller services and customer service services often experience queues of customers coming and making service transactions. This study aims to determine the optimal level of the queuing system for teller service and customer service with the help of C Sharp application. This study discusses the shape of the queuing model. The queuing model used is Multi Channel-Multi Phase with the control notation type (M/G/2)∶ (FIFO/∞/∞). The Multi Channel-Multi Phase model is a multi-stage multiple-line queuing system method. With a FIFO (First in first out) service pattern, namely first come first served earlier and earlier out. The results of this study are based on the results of calculating arrival patterns and service time patterns, there are 2 parts to the research results consisting of teller services and customer service services. In teller service, the average customer arrival (λ) is 1.48 customers per minute, the average customer that can be served (μ) is 5.12 customers that can be served per minute, and the average level of service intensity ( ρ) is 3.78 < 1. Furthermore, in customer service, the average customer who comes (λ) is 0.83 customers who come per minute, the average customer who can be served (μ) is 0.01035 customers that can be served per minute, and the average level of service intensity (ρ) is 0.015 < 1. Based on the results of the analysis of the queue system for teller service and customer service, it can be concluded that the optimal level of teller service and customer service can be said to be sufficient effective and optimal. In order to make the service more effective, add one service line or service facilities for both services.

Pengaruh Pemberian Kredit Usaha Rakyat Terhadap Pendapatan Usaha Mikro Kecil Dan Menengah

This study aims to determine how much influence the provision of people's business credit (KUR) has on the income of micro, small and medium enterprises (UMKM). This research uses quantitative methods. The data used is primary data obtained from distributing questionnaires. The population of this research is UMKM BRI Unit Aloei Saboe customers, Gorontalo City. The sampling technique used purposive sampling. The data analysis method used is Structural Equation Modeling (SEM). The results of this study indicate that the provision of people's business credit (KUR) has a significant effect on the income of micro, small and medium enterprises (UMKM) on BRI Unit Aloei Saboe UMKM customers, Gorontalo City.

Analisis Kualitas Layanan Terhadap Kepuasan Nasabah Pada Bank Rakyat Indonesia Unit Tatelu Minahasa Utara

In the current era of digitalization, competition in the business world is getting tougher. Companies must strive to learn and understand the needs and desires of customers. However, customers prioritize quality service, therefore the quality of service is very important in attracting customers' desire to be able to use the products offered by the bank either from deposits or loans. Therefore, the authors want to know more about whether the quality of services provided by the BRI Unit Tatelu bank has been able to meet the wishes and expectations of customers while also wanting to measure the level of service quality provided so as to be able to provide maximum satisfaction to its customers. The purposes of this study are: To determine the effect of service quality on customer satisfaction at the BRI Unit Tatelu bank. This type of research is quantitative research, descriptive research method that describes the phenomenon or problem that is happening in an object of research. This study took a sample from a population by using a questionnaire. The population taken is customers who are still active for transacting at BRI Unit Tatelu with an unknown population, the sample is determined according to Malhotra 2006 by multiplying the number of items by four or five and for the sample obtained 84 people as respondents using a data collection technique, namely convenience sampling. The analysis used is correlation analysis and the results of research analysis of the influence of service quality variables on customer satisfaction.

Credit Restructuring Efforts for Micro, Small and Medium Business Debtors at PT. Bank BRI Unit Gianyar (Case Study at CV. Angga Sari Garmen)

Development in the economic field is the main driver of development, micro-enterprises play an important role in development and economic growth, this happens not only in developing countries but also in developed countries. The formulation of the problem in this study is: 1. How is the implementation of credit restructuring for MSME debtors at Bank BRI Gianyar Unit Office?, 2. What are the legal consequences for MSME debtors if the restructuring efforts are not successful? The research method used is a type of normative legal research. The most important part of developing micro-enterprises is business loans obtained from credit obtained from a bank. In an agreement, the debtor sometimes defaults. The problem in this study is the occurrence of default on credit agreements. Default or non-fulfillment of the agreement can occur either intentionally or unintentionally. Parties who commit defaults can occur because they are indeed unable to fulfill these achievements or are also forced to carry out these achievements.

THE EFFECT OF SERVICE QUALITY ELEMENTS ON CUSTOMER SATISFACTION AT BRI UNIT UNSRAT MANADO

The development of services at banking sector companies in Indonesia has been increasing from year to year. This can be seen from the existence of intense competition between banks in Indonesia. Along with this fierce competition, banks are required to maintain the quality of their service. Banks must provide good quality services to their customers, as a benchmark that distinguishes the bank from its competitors, because customers will always looking for bank that can provide the good service that align with their expectations and desires. In the banking industry, customer satisfaction become one of the factors or indicators which proves that the bank has been able to compete in providing excellent service to their customer. The field of service company that will be examined in this study is a service company in the banking sector, which is BRI Unit Unsrat Manado. This research has purpose to analyze and to find out the real evidence of the effect of service quality elements (SERVQUAL) on customer satisfaction. The sample of this research is 50 respondents which are the loan customers/debtors of BRI Unit Unsrat. Data analysis used Multiple Linear Regression analysis method conducted by using IBM SPSS Statistics Ver.28 software with purposive sampling technique. The results of this research shows that Service Quality Elements has a positive and negative correlation also significant and non-significant effect on Customer Satisfaction at BRI Unit Unsrat Manado. Keywords: Service Quality Elements, Customer Satisfaction

Implementasi Sistem Digital Brimen Pada Bri Unit Sleko-Madiun

The purpose of this study was to determine the filing and inputting procedures of BRIMEN and to conduct research on discrepancies between documents in the BRIMEN system and data stored in one place at Bank BRI Unit Sleko Madiun. The research method used is a quantitative method with data collection, namely observation and analysis of brimen data in BRI Unit Sleko. Good archiving procedures are needed, the goal is that existing documents are not lost and are easily found when needed. As an effort to manage customer documents properly, Bank BRI has created a digital system called Brimen (BRI Document Management System). The use of digital systems means making changes from conventional to digital systems in terms of services to fairly strict internal improvements. It can be concluded that there are seven stages in archiving Brimen starting from sorting brimen archives to arranging boxes on shelves. Meanwhile, Brimen input can be done in two ways, namely Brimen input from Microsoft Excel and BRIMEN registers (Manual List and Q-RIS).Keywords: Bank Rakyat Indonesia; Application of Digital Systems; Financial Institutions; Input Procedures; Brimen

Analysis of the Application of 5C Principles in Credit DecisionMaking Against Non-Performing Loans During the COVID-19 Pandemic (Study at PT BRI Unit X Malang Indonesia)

At BRI Unit X in Malang Indonesia, the increase in NPL in 2022 tends to increase significantly compared to before. This study aims to analyze how the application of the 5C principle in making credit decisions during the COVID-19 pandemic at BRI Unit X, Malang City. In addition, writing this topic also aims to analyze the impact of credit decision-making on the level of Non Performing Loans from BRI Unit X Malang during the COVID-19 pandemic and after the COVID-19 pandemic. This study uses an interpretive qualitative research method with a case study method. Sources of data from this study are: 1) Primary data, namely data obtained directly from researchers from sources. Primary data is obtained by conducting in-depth interviews with key informants, secondary data is data that is already available and collected by other parties such as tables, notes, photos, etc. The secondary data in this study was obtained from the BRI Unit X Non-Performing Loan (NPL) table from 2020-2022. The results of this study in giving credit decisions at BRI Unit X Malang must pass the stages by the applicable standard operating procedures (SOP). The 5C principles in providing credit decisions are character, capacity, capital, collateral, and condition. There is no difference in the procedure for applying the 5C principle in making decisions during the Covid-19 pandemic and before the Covid-19 pandemic. However, according to the informant, after the Covid-19 pandemic, the credit analysis process for customers based on the 5C principle was further tightened. Thus, at BRI Unit X Malang, several efforts were made to overcome problems such as: billing regularly and effectively. So the billing process has been well planned and scheduled until the credit granting period. In addition, the Account Officer (Mantri) supervises the business and intensively handles debtors who have credit problems.

Analysis of the Application of 5C Principles in Credit Decision-Making Against Non-Performing Loans During the COVID-19 Pandemic (Study at PT BRI Unit X Malang Indonesia)

Analysis of the Application of 5C Principles in Credit Decision-Making Against Non-Performing Loans During the COVID-19 Pandemic (Study at PT BRI Unit X Malang Indonesia)