Bank BTN Research Articles

Determinant of Islamic bank Savings Customers Satisfaction: A Case of Indonesian Islamic Bank

Bank competition is fierce among conventional banks, Islamic banks, and among these types of banks. To win the competition, bank management must try to satisfy customers. This study aimed to determine the determinants of customer satisfaction in terms of savings. This study aimed to determine the determinants of voluntary consumer satisfaction. This research is a development of the Peng and Moghavvemi (2015) model and only using 'Voluntary Savings Customers' of Islamic banks and add three variables. There were 247 participating respondents. Respondents came from Bank Syariah Indonesia (BSI), Bank Muamalat, Bank BPD Syariah, Bank BTN Syariah, Bank Bukopin Syariah. Snowball sampling was used. The analysis tool used was Partial Least Square (PLS) with SmartPLS software. The results showed that empathy had a moderately significant effect, whereas assurance; reliability; tangibles and compliance had a significant effect on perceived value. On the other hand, the empathy and trust have a significant effect on customer satisfaction. The test results also show that assurance, reliability, perceived value, tangibles, compliance, and religiosity are not significant for Customer Satisfaction.

Effectiveness Of Article 42 Sentence (1) Uu No. 6 Of 2023 On The Creation Of Work Regarding The Implementation Of The Basis Of Legal Certainty In The Mortgage Agreement By The Banks With The Act Of Binding Agreement Of Sale And Purchase

PT Bank Tabungan Negara (Persero) Tbk (Bank BTN) is a State-Owned Enterprise (BUMN) which operates in the banking sector, committed to being a bank that serves and supports housing sector financing. The mission carried out by Bank BTN is to actively support the government in advancing the welfare of the Indonesian people through home ownership and realizing the life that millions of Indonesians dream of through providing decent homes. One type of credit that is still in demand and needed by the public is KPR (Home Ownership Credit). Bank BTN as a bank that focuses on housing financing certainly fully supports the One Million Houses Program launched by the government. It is proven that currently Bank BTN is a bank with market share The largest Home Ownership Credit (KPR) in Indonesia. In order to improve and optimize services to the community with the development of the KPR business and support Bank operations both in terms of business processes and maintaining document quality, there are conditions where it is not possible to make a Sale and Purchase Deed (AJB) so that a temporary binding agreement is needed, namely a Sale and Purchase Agreement ( PPJB). This research aims to determine the implementation of KPR agreements by Bank BTN with sale and purchase binding deeds (PPJB) according to Article 42 paragraph (1) of Law no. 6 of 2023 concerning Job Creation at Bank BTN Kediri. This type of research is empirical juridical legal research and the specifications in this research are descriptive. The source and type of data in this research is primary data obtained from field studies in the form of interviews with Bank BTN Kediri employees. And secondary data was obtained from literature studies related to the theory of legal certainty. The results of this research are that the implementation of the KPR agreement by Bank BTN with the PPJB deed based on Article 42 paragraph (1) of the Job Creation Law does not fully meet the requirements stipulated in Article 42 paragraph (2) of the Job Creation Law.

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).

Pengaruh Tingkat Literasi Keuangan, Citra Merek, dan Motivasi Terhadap Keputusan Nasabah Menggunakan Pembiayaan Qardh di Bank BTN Syariah Kantor Cabang Bandung

This research is motivated by a decrease in the number of customers, this is thought to be a lack of education and information as well as a weak brand image which causes customers to be less motivated to use this financing. The object of this research is Qardh financing customers at Bank BTN Syariah Bandung Branch Office. This type of research is associative quantitative using data collection techniques in the form of observation, interviews, literature studies, questionnaires. The sampling technique is non-probability sampling with a purposive sampling type. This research aims to provide a better understanding of the factors that influence customers' decisions in choosing Qardh financing products, so that they can provide useful recommendations for various parties involved. Partial research results show that the variable level of financial literacy has an influence of 77.6%, brand image has an influence of 51.9% and motivation has an influence of 25.6%. Simultaneously, the three of them have an influence of 73.8% on Qardh financing customers' decisions and are significant with the results of the F test where the value of Fcount > Ftable (44.063 > 2.77).

Analysis of the Effect of Security, Effectiveness, and Ease of BTN Mobile Services on the Mobile Banking Marketing Strategy of PT Bank Tabungan Negara (Persero) Tbk Yogyakarta Branch

This study aims to determine the influence of service security factors, service effectiveness, and service security in marketing strategies for PT Bank Tabungan Negara or Bank BTN KC Yogyakarta customers. This study uses a quantitative approach using the Accidental Sampling technique, which produces 100 samples. The data analysis technique is processed using IBM SPSS 26 software. The results of the study indicate that service security and service effectiveness at BTN Mobile have a significant positive effect on mobile banking marketing strategies, while ease of service does not have an influence on the mobile banking marketing strategy. This research is useful to help banks understand what factors influence marketing strategies in using mobile banking services to improve their mobile banking services so that they better meet customer needs and desires such as security, effectiveness, and ease of mobile banking services.

The Influence of Work-Life Balance and Workload on Employee Performance at Bank BTN Tasikmalaya Branch Office

This research purposse to determine and analyze the picture of work-life balance, workload and employee performance at Bank BTN Tasikmalaya Branch Office. The influence of work-life balance and workload on employee performance simultaneously at Bank BTN Tasikmalaya Branch Office. The influence of work-life balance on employee performance partially at Bank BTN Tasikmalaya Branch Office and the influence of workload on employee performance partially at Bank BTN Tasikmalaya Branch Office. The method used in this research is a survey with a descriptive approach. With a research sample of 35 collection department employees as respondents. The data used is primary and secondary data. The analytical tool used in this research is multiple linear regression using the SPSS version 26 support application. The test results show that work-life balance has a good classification, workload has a good classification and employee performance has a high classification, simultaneously showing the variables used. in the research, work-life balance and workload have a significant effect on employee performance at Bank BTN Tasikmalaya Branch Office. Partially, there is a significant influence of workload on employee performance, while work-life balance does not have a significant influence on employee performance.

Analisis Peran Laba Pembiayaan (Akad Mudharabah dan Musyarakah) Terhadap Profitabilitas Bank Syariah Indonesia: Studi Banding dengan Profitabilitas Bank Konvensional KBMI III Periode 2021-2023

This research aims to analyze the effect of mudharabah and musyarakah financing profits on BSI Bank profitability as well as a comparative study of the profitability of KBMI III Conventional Banks for the 2021-2023 period. The sample in this study used a proportionate stratified random sampling technique which took profit data on mudharabah and musyarakah financing at Bank Syariah Indonesia and profitability data (ROA) at Bank Syariah Indonesia, Bank BTN, Bank Permata and Bank CIMB Niaga for the 2021-2023 period. The analytical tool used is multiple linear regression analysis using the SPSS V21 application. The research results showed that the mudharabah financing profit variable had a negative and significant effect on profitability and the musyarakah financing profit variable had a positive and significant effect on profitability, while the test results of mudharabah and musyarakah financing profits together had a positive and significant effect on profitability. The results of different test research show that in general the ROA of Bank BSI is better than that of conventional Bank KBMI III.

Comparison of Sharia Governance Between Bank Muamalat and Bank BTN Syariah

Every business has a management strategy to maintain and develop its business, including Sharia financial institutions. The large potential of the Islamic finance industry has a positive impact on national economic growth, therefore it is important to maintain this stability. Good governance is one of the things that must be paid attention to, as well as the governance of Sharia financial institutions must comply with Sharia principles, to maintain the trust of stakeholders in the Sharia banking and finance industry. Moreover, there are rumors that two large sharia financial institutions will merge . This research aims to compare Sharia governance between Bank Muamalat and BTN Syariah, which have significant differences in background. This research uses qualitative methods with a library study approach, and analyzes and selects relevant library sources. Research result comparison of two Sharia banks that are planned to merge into a larger Sharia bank , although both banks follow Sharia governance principles, they both have different approaches due to different focuses and backgrounds. Bank Muamalat, as a pure sharia bank, has a more comprehensive sharia implementation and structure. Meanwhile, BTN Syariah as a sharia business unit of a conventional bank, focuses more on implementing sharia principles in housing products. Both banks demonstrate a strong commitment to Sharia principles and comply with supervision, the Sharia Supervisory Board (DPS), and applicable laws.

Kualitas Pelayanan dan Reputasi Manajemen Terhadap Produk Bank BTN Syariah KCP Solo

This research aims at Service Quality and Management Reputation for Bank BTN Syariah KCP Solo Products. The approach used in this research is a quantitative approach. The sampling technique in this research was a purposive sampling technique with the sample used amounting to 96 respondents. The data collection technique uses online questionnaire distribution with the help of Google forms. Data analysis techniques in this research are validity test, reliability test, normality test, multicollinearity test, heteroscedasticity test, multiple linear regression test, coefficient of determination test, f test and t test. Based on data research analysis, the results show that there is an influence of service quality on bank products, there is an influence of management reputation on bank products, the f test shows that there is a simultaneous influence of service quality and management reputation on bank products. The results of the coefficient of determination test show an r square value of 0.502, which means that the influence of the service quality variable (x1) and management reputation (x2) simultaneously on the bank product variable (y) is 50.2%..

PENGARUH SEKURITISASI KPR TERHADAP ASET KPR BTN DAN DAMPAKNYA TERHADAP PENINGKATAN KEPEMILIKAN RUMAH MASYARAKAT INDONESIA

Bank funding sources that are more efficient and more independent than using only third party funds that can be withdrawn at any time by depositors. One of the efforts to overcome the dependence of third party funds for Home Ownership Credit Financing is by securitizing KPR assets that have been financed in the stock market. Types of business industries that have implemented asset securitization as a funding instrument in carrying out their business include banking, electricity, toll roads and airlines. KPR securitization by banks is considered important because it can convert KPR receivables into liquid assets without having to wait for the return of mortgage installments for the next 20 years, and the proceeds from this securitization can be used to be channeled back into new mortgages and increase the number of home ownership for Indonesian citizens. However, only state-owned banks such as Bank Mandiri and Bank BTN have only recently implemented KPR asset securitization. Bank BTN has been securitizing since 2009 and Bank Mandiri in 2016, so it can be concluded that in the current banking industry there is still a gap between the timeframe for the source of funds and those distributed in the mortgage business (mismatch funding).

Formulation of Risk Management Strategy for Sharia Mortgage Products during the Covid-19 Pandemic

The COVID-19 pandemic has had a significant impact on the development of the world economy, including the banking and financial services industry. One of the financing products at Bank BTN Syariah is the Home Ownership Financing-Mortgage (Sharia KPR), where the more financing funds are channeled, of course, the greater the potential for risk. The purpose of this study was to formulate a risk management strategy for Sharia KPR products that Bank BTN Syariah KC Bekasi can use during the Covid-19 pandemic. To analyze and develop the bank strategy, we use the Grand Strategy Matrix method by blending internal and external factors, where the analysis and strategy selection process is divided into three stages: Input stage, matching stage, and Decision stage. The results of the study showed that several internal and external factors occur in Bank BTN Sharia KC Bekasi that affect the development of Sharia KPR products; Bank BTN applies risk management based on the 5C principle to minimize the occurrence of risks that may occur. Managerial implications of this research are credit risk management, management, increased risk monitoring, effective communication, product innovation, conducting education and training, and Sharia compliance.

Pengaruh Word of Mouth Promotion dan Service Excellent terhadap Keputusan Nasabah Memilih Giro BTN di Bank BTN Kantor Cabang Bandung Timur

Based on the observation results, that the background of this research is that there has been a decrease in the number of current account customers in the last two years, this is due to poor word of mouth promotion and also service excellent that does not meet customer expectations which can affect customer confidence in taking decision. This study aims to determine the effect of word of mouth promotion and excellent service on customers' decisions to choose current account products partially or simultaneously at bank BTN Kantor Cabang Bandung Timur. The object of research in this thesis is BTN Giro customers at bank BTN Kantor Cabang Bandung Timur. The type of research is associative quantitative with primary data types and uses data collection techniques in the form of interviews, lists of statements (questionnaire), observation and literature study. While the sampling technique is non-probability sampling with purposive sampling. The population is all Current Account customers at the bank BTN Kantor Cabang Bandung Timur, totaling 838 people with a sample of 89 people. The results showed that there was a significant effect of word of mouth promotion on the decisions of BTN Giro customers at the BTN bank East Bandung Branch Office of 33.7% where the value of tcount>ttable (6.646>1.662), there was a significant influence of service excellent on customer decisions BTN demand deposits amounted to 40.3% where the value of thitun> ttable (7.656> 1.662), and simultaneously there is a significant influence between word of mouth promotion and service excellent on customer decisions choosing current account products at bank BTN East Bandung Branch Office of 52% with F test results Fcount <Ftable (46.62).

Analysis of the implementation of the CDC (Centralized Document Collateral) credit file system at BTN Syariah Bandung through the PDCA cycle

Bank BTN, in supporting KPR financing, requires customers to prepare several documents, including personal identity, financial information, and certificates of title to home/equipment/vehicle ownership guarantees. Efficient storage and management of these documents are crucial to prevent loss due to mismanagement. To enhance services, Bank BTN has implemented a Centralized Document Collateral (CDC) documentation system. This study aims to analyze the CDC system's implementation using the PDCA cycle to evaluate each work step. Employing a qualitative descriptive method, data were collected from credit processing units at Bank BTN Syariah Bandung through observations, interviews, and literature studies. The findings indicate that the CDC system significantly improves document management efficiency, with key benefits including reduced document loss, streamlined retrieval processes, and enhanced security measures. These improvements contribute to more effective work processes and higher service quality for customers. However, some obstacles were identified, such as limited technological infrastructure and storage capacity, which require follow-up actions to enhance performance. Solutions like increasing server capacity, adopting cloud storage, optimizing data management can address these issues. The study concludes that the CDC system is a valuable tool in documenting customer credit files at Bank BTN Syariah Bandung, offering substantial enhancements in operational effectiveness and document security.

The Influence of The Business Ecosystem and Customer Base On Increasing Third-Party Funds In The Region III Office

The purpose of this research to identify influence of the business ecosystem and customer base on increasing third-party funds in the region III office. Judging at the existing problem, the researcher applies a quantitative approach. The quantitative approach to business is research in the field of business with the aim of research through empirical assessment involving measurement and analysis of numbers. Quantitative research stands alone in the sense that it does not meet the needs of analytical interpretation. This research was conducted with the aim to see the influence of business ecosystem and customer base on Bank BTN's deposits. In addition, this study also aims to encourage an increase in deposits as well as to become the main target of Bank BTN. This study used multiple regression analysis method which was analyzed using the Eviews 10 application platform. As described in chapter IV, the conclusions of this study can be drawn as follows: Partially, the business ecosystem has a positive but significant effect on increasing Bank BTN's deposits. This means that when the business ecosystem rises, deposits will increase and vice versa. Meanwhile, the customer base has a positive and significant influence on the increase in deposits of Bank BTN. That is, when the customer base rises, DPK will also increase, and vice versa.
 Simultaneously, the business ecosystem and customer base together have a significant influence on Bank BTN's deposits.

Implementasi Program KPR Syariah Bersubsidi terhadap Masyarakat Berpenghasilan Rendah di Bank Tabungan Negara (BTN) Kota Langsa Aceh

This research is entitled “Effectiveness of Subsidized Sharia Mortgage Financing for Low- Income Communities at BTN Syariah Langsa City. This study uses a qualitative descriptive method, with the formulation of the problem, 1) How is the implementation of Islamic mortgage financing for low-income customers at Bank BTN Langsa City?, 2) How is the effectiveness of Islamic mortgage financing for low-income people at Bank BTN Langsa City?, from the results of the research of the bank and the dispatcher have followed the regulations from the government from the housing mortgage program, but with regulations from the government, the depeloper is an obstacle they cannot freely choose customers, with regulations made by the government even though people who are gardeners are farmers and fishermen even though they are able to take mortgage housing, there are also people who feel helped by the KPR program from thegovernment.

Pengaruh Karakterisik Bank Terhadap Capital Adequacy Ratio

Capital adequacy is an important part of a company's financial performance, because achieving an optimal capital adequacy ratio (CAR) indicates that the company has sufficient capital to fund each of its operations. Sufficient capital allows the company to easily innovate, so that it can develop the company's productivity. Interestingly, CAR is influenced by various factors, so it is necessary to study academically the factors that influence CAR. The purpose of this study is to determine the factors that influence CAR. This study uses a quantitative approach with empirical methods using Bank BTN data for the 2010-2020 period. The results show that this model contributes 81% to changes in CAR, partially showing that ROA has a negative effect on CAR, meaning that the lower the ROA, the higher the CAR, LDR has a negative effect on CAR, meaning that the lower the LDR, the higher the CAR, and the NPL has an effect negative to CAR means that the lower the NPL, the higher the CAR. This indicates that increases or decreases in ROA, LDR, and NPL have an impact on changes in CAR at Bank BTN.

DETERMINAN PERMINTAAN KPR FLPP PADA PT. BANK BTN KANTOR CABANG SYARIAH

This research aims to determine the effect of income, population, murabahah margin, mortgage interest rates at competing banks, and age on the demand for FLPP (Housing Finance Liquidity Facility) mortgages at PT. Bank BTN Syariah Malang for the 2020-2022 period using secondary data. The reason for choosing Bank BTN Syariah Malang is because Bank BTN Syariah occupies the second position in the category of the best KPR Subsidy distribution in Indonesia, which is 14,052 units. This research uses quantitative methods with multiple linear regression analysis. The results of the study prove that income variables have a positive and significant effect on the demand for FLPP home ownership loans. The variability in the number of married people and mortgage interest rates at competing banks has a negative and significant effect on the demand for FLPP home ownership loans. Meanwhile, murabahah margin and age variables do not significantly affect the demand for FLPP home ownership loans. The variables of income, population, murabahah margin, mortgage interest rates at competing banks, and age simultaneously affect the demand for home ownership loans, housing finance liquidity facilities.

Bank Soundness Level Analysis With The RGEC Approach

This study aimed to determine the soundness level of banks using the rgec approach at Bank Agro, Bank Bukopin, and Bank BTN in the period 2016 -2018. This research evaluates four RGEC factors including Risk Profile factors through NPL and LDR ratios, Good Corporate Governance factors, Earning factors through ROA and NIM ratios, and Capital factors through CAR ratios. The population in this study are conventional banks listed on the Indonesia Stock Exchange from 2016 to 2018. Sampling was carried out in this study using purposive sampling. Based on the criteria set, the number of samples obtained is 3 companies. The data source used in this study is secondary data obtained from the company's annual financial reports published by each bank through the website of each bank. The data obtained in this study were analyzed descriptively. The results of this study indicate that the 3 banks, namely Bank Agro, Bank Bukopin and Bank BTN in the period 2013 to 2015 were overall healthy according to the RGEC approach. Keyword:

Servant Leadership on Work Engagement: Mediating Job Satisfaction and Trust in Leader

The banking industry is currently one of the most competitive industries. For this reason, a leadership style is needed that can increase employee engagement to achieve better company performance. The aim of this research is to ascertain the impact of servant leadership workers' job satisfaction and trust in their leaders as mediating variables. It is conducted at government-owned banks, namely, Bank BNI, Bank BRI, Bank BTN, and Bank Mandiri. Purposive sampling was the technique employed in this study, and the sample consisted of 273 individuals who worked for government-owned banks. This study employed structural equation modeling (SEM) with AMOS software as a data analysis technique. The study's findings demonstrate that: servant leadership influences job satisfaction significantly; job satisfaction influences work engagement significantly; Trust in Leader significantly influences work engagement; job satisfaction mediates the relationship between servant leadership and work engagement; and Trust in Leader mediates the relationship between servant leadership and work engagement. There is one rejected hypothesis, namely, that employee engagement at work is not significantly impacted by servant leadership.

Aktivitas Pemasaran PT. Triartha Cipta Mandiri Dalam Meningkatkan Penjualan Perumahan Granada Rajeg City Tahun 2023

Triartha Cipta Mandiri is a company that operates as a housing developer. PT. Triartha Cipta Mandiri (which is shortened to PT. TCM) moves side by side with PT. Rico Cipta Mandiri is located at Ruko Tangerang City Business Park, D/8, Jl. Raya Jendral Sudirman, Banten. Director of PT. Triartha Cipta Mandiri is Mr. Hamsir Siregar, S.H., M.H. PT. Triartha Cipta Mandiri has been established for 10 years with a Deed of Company Establishment from the Tangerang Regency Notary, Mr. Deni Nugraha, S.E., S.H., M.Kn. dated 25-09-2013 and has received approval from the Minister of Law and Human Rights of the Republic of Indonesia, as stated in his Decree dated 27-09-2013 Number: AHU-50281.AH.01.01 TAHUN 2013. So far, PT. Triartha Cipta Mandiri is expanding its wings in the field of selling subsidized houses. The name of the housing developed by PT. Triartha Cipta Mandiri is Granada Rajeg City which is located in Rajeg District, Tangerang Regency, Banten. Houses that sells by PT. Triartha Cipta Mandiri is a subsidized house by the government with a price of Rp. 168,000,000,- and the houses’ building area of ​​30 M2 and a land area of ​​60 M2. Inside the house there are 2 bedrooms and 1 bathroom. Houses marketing is carried out by deploying several marketing agents. Other than that, to carry out sales and purchases that have been agreed with consumers, PT. Triartha Cipta Mandiri entered into a credit agreement at Bank BTN Syariah. During 2023, house sales have reached 74 houses.