People's Credit Bank Research Articles

FAKTOR UTAMA YANG MEMPENGARUHI NASABAH DALAM MENGAMBIL KREDIT DI BANK PERKREDITAN RAKYAT (BPR) KOTA KEDIRI

<p>One of the objectives of credit is to move the wheels of the regional economy. Especially for the small and medium enterprises (SMEs) trade and micro sector, which is now booming because it can improve the household economy. Various financial institutions offer various types of loans with attractive facilities and according to the needs of the target market. Therefore, today's society is demanded to be smart in accessing credit at bank financial institutions. Including the People's Credit Bank (BPR) Kota Kediri which also competes in offering loans that are in accordance with the wishes of the people in the Kediri region and its surroundings. The sample used in this study amounted to 97 customers. This study uses a quantitative approach with factor analysis techniques using principal component analysis (PCA). The result is that there are six groups of factors that influence customers in taking credit with a cumulative diversity value of 59,671. Factor I consists of variations in time period, loan nominal and service has an eigenvalue of 2.935 and total diversity value of 18.343%. Factor II consisted of reasons for interest rates, repayment deductions and requirements having an eigenvalue of 1.590 and a total diversity of 9.936%. Factor III consisted of variations in interest rates and flexible time periods having eigenvalues of 1.552 and total diversity of 9.701%. Factor IV consists of a credit process and the service schedule has an eigenvalue of 1.2282 and a total diversity of 8.014. Factor V consists of loans as needed and flexible guarantees have an eigen value of 1.165 and a total diversity of 7.284. Factor VI is a lack of requirements following with an eigen value of 1.023 and a total diversity of 6.394.<br />Key words : Decision on taking credit, Factor Analysis, BPR in Kediri City</p>

TRANSAKSI PERBANKAN MELALUI INTERNET BANKING

Internet banking is one of the bank's services to customers to obtain information, communicate and conduct banking transactions through the internet network, the implementation of which customers already have a bank account, ATM and User ID and PIN to conduct banking transactions through internet banking based on article 1320 and 1338 Civil Code. Act Number 10 of 1998 concerning Banking in article 5 concerning types of banks, namely commercial banks and people's credit banks and article 40 regarding bank secrecy, including matters of banking transactions through internet banking and legal protection provided by banks regarding the confidentiality of customer data. Disputes on banking transactions through internet banking (banks and debtors) can be resolved by referring to agreements agreed upon by the parties, dispute resolution can be done through court (litigation) or outside the court (non-litigation) based on Law Number 30 of 1999 concerning Arbitration and Alternative Dispute Resolution in article 6 concerning general disputes that can be resolved through arbitration.

KAJIAN LAYANAN PERBANKAN SYARIAH DALAM MENCIPTAKAN KEPUASAN NASABAH PENYIMPAN DALAM UPAYA MENGOPTIMALKAN KONDISI LIKUIDITAS

The Birth of the Law of the Republic of Indonesia No. 10 of 1998 concerning Amendments to the Law of the Republic of Indonesia No. 7 of 1992 concerning Banking has provided a huge opportunity for the growth of Islamic banks in Indonesia, both Sharia Commercial Banks and Sharia People's Credit Banks. However, what is unfortunate in this case is that not all people understand and are aware of the ins and outs of Islamic banking practices, so that Islamic banks still have to be vigorous again in conducting socialization and promotion to all people in order to be able to compete with conventional banks in particular who do business development by opening a Sharia Business Unit (SBU). In terms of raising bank funds, banks generally rely on third party funds from customers to support fund distribution activities. Related to this, of course, bank services to customers, especially in fund management activities, must prioritize customer satisfaction so that they are always motivated to deposit their funds in the bank, so that third party fund mobilization is able to compensate for optimal fund distribution which will ultimately improve its liquidity performance through the Finance to Deposits Ratio (FDR). This FDR is used to see how far financing to customers can offset the obligation to immediately meet its short-term debt to customers who want to withdraw their money that has been used by the bank to see the ability and vulnerability of a bank

MANAJEMEN DAKWAH NAHDLATUL ULAMA PADA MASA KEPEMIMPINAN ABDURRAHMAN WAHID

Nahdlatul Ulama (NU) has continued to progress for the past 89 years. During Abdurrahman Wahid's leadership, NU slowly begin to be known as an organization that is consistent in buildingthe nation. The struggling is carried out through two channels, da’wah and politics. This article is focused on the first channel describing, da’wah, which is the basic principle of the establishment of NU.During Abdurrahman Wahid (Gus Dur) leadership, NU developes in field of organization and thought. Gus Dur also succeeded in “creates” NU young intellectuals because they were given the opportunity to develop themselves, especially in the field of thought. Whereas in the internal organization, Gus Dur put his members who have the capacity and quality in various sciences to answer the changing times and the needs of the community. Gus Dur has succeeded in making NU a religious organization in Indonesia known to the world.
 Abdurrahman invited academics from all over the world to Indonesia, in order learning about NU, and this is one of Abdurrahman's efforts to improve NU managerially. This article uses The theory of Stephan P. Robbins and Marry Coulter about management, which includes; planning (planning), organizing (organiszing), leadership (leading) and control (controling). At the end of this arcticle, there are some conclusions; (1) Planning: returning to the 1926 Khittah. NU became a socio-religious organization, focused on education, Islamic da'wah, human resource empowerment, and socio-economic citizens of nahdliyin. The form of establishing LP.Ma'arif, LDNU, Lakpesdam, and the People's Credit Bank (BPR) in collaboration with Bank Suma. (2) Organizing; Gus Dur and the NU board visited the regions to explain the commitment to return to the Khittah and the work program that had been planned and formulated. (3). Leadership: Gus Dur's charismatic leadership style, his own choosing of PBNU officials, Gus Dur explained his ideas, and his thoughts to the administrators to understand, and collaborated with the umara. (4) Control; visiting NU officials at branches and branches regularly, choosing administrators who are experts in the fields of religion, da'wah, education, agriculture, economics, human resources, or professional circles.
 Key Words: Da'wah Management, Organization, Leadership, Planning in Structure

The influence of the utilization, use, trust, and ability of information system user technique Accounting for employee performance On the people's credit banks in Badung regency

The development of technology from the influence of globalization is now so fast, one of which is used for the progress of the company. Companies need an accounting information system that is useful for long-term life of the company where the technology can improve employee performance that will provide convenience to the company in achieving its goals. The purpose of this study is to determine the effect of interest in the use, use, trust, and ability of user information systems accounting techniques on employee performance. The population in this study are employees who use the accounting information system contained in Rural Banks in Badung regency. Where is the BPR in Badung regency numbered 52 BPR. The sample used in this study is as many as 100 respondents The number of samples obtained by using slovin formula. Data analysis used in this research is multiple regression analysis. This study found that interest in utilization, use, trust, and technical ability of user accounting information system have a positive effect on employee performance. This shows the four variables are able to improve employee performance.

Pengaruh Rasio Keuangan Terhadap Pertumbuhan Laba Pada BPR di Jawa Tengah

People's Credit Banks, commonly abbreviated as BPRs, are one type of bank known to serve micro, small and medium entrepreneurs with locations that are generally close to where people need them. Every company, both banks and non-banks at a time (a certain period) will report all of their financial activities. From this report, it will be read how the real condition of BPR, including weaknesses and strengths possessed. This research is quantitative research. The object of this research is all Rural Credit Banks in Central Java. Data collection techniques use documentation techniques. Hypothesis testing uses classical assumption test analysis, multiple regression analysis, simultaneous test, partial test and coefficient of determination. From the results of the study it can be concluded that 1) the ratio of non-performing loans has no significant effect on BPR profit growth in Central Java, 2) the loan to deposit ratio has a significant effect on BPR profit growth in Central Java, 3) the capital adequacy ratio has a significant effect on growth BPR profits in Central Java, 4) return on assets ratio has no significant effect on BPR profit growth in Central Java, 5) ratio of operating costs to operating income has a significant effect on BPR profit growth in Central Java, and 6) ratio of non-performing loans, loans to deposit ratio, capital adequacy ratio, return on assets and operating costs to operating income simultaneously have a significant effect on BPR profit growth in Central Java

Analisis Kepuasan Nasabah yang dipengaruhi Nilai Pelanggan dan Kepercayaan Pelanggan serta Kualitas Pelayanan

Banking services are financial institutions as intermediation in financial services. It plays an essential role in enhancing the company's operational activities. People's credit bank, which is a financial service, contributes to the development of small and medium enterprises. Competition in financial services, especially people's credit banks, which is increasingly stringent requires increasing the quality of their services to increase their customer satisfaction. This study aims to determine the effect of service quality on customer value and trust as well as its implications on customer satisfaction analyzed by a survey approach to rural credit banks in the City/Regency of Bandung, West Bandung, and Cimahi. The samples are 384 customers with the Cluster Proportionate Stratified Random Sampling, which is processed by path analysis. The results indicate that there is a significant influence on the service quality to customer value and trust and its implications for customer satisfaction. The results of this study contribute to the development of a study in the marketing field, specifically customer satisfaction in the financial services sector as the people's credit bank.

STRATEGI MENINGKATKAN KEPUASAN NASABAH TABUNGAN PADA PT. BANK PERKREDITAN RAKYAT HASA MITRA CABANG MAKASSAR

The purpose of this research is to analyze the strategy used by PT. Bank Perkreditan Rakyat Hasamitra Makassar Branch in increasing customer satisfaction savings. This research was conducted at PT. Hasamitra Bank Perkreditan Branch Makassar on Jl. Dr. Wahidin Sudirohusodo using qualitative descriptive method. The results obtained showed that the strategy used by PT. Hasamitra People's Credit Bank in improving customer satisfaction savings is a standard strategy of bank services. the marketing strategy undertaken has been able to increase the number of customers, this means the marketing strategy undertaken has been effective in increasing the number of customers

Adopting Zero Interest Financing Model (ZIFM) in Islamic Microfinance Institutions: The Case of Shariah People Credit Bank (BPRS), Indonesia

Microfinance has emerged as an important instrument to alleviate poverty in many countries including in developing countries. Despite being able to demonstrate successes in the activity, conventional microfinance is not without controversy. The findings from the existing studies revealed that conventional microfinance is less effective, fail to reach the poorest people and generally have a limited effect on income. In addition, conventional microfinance also has highly criticized for charging excessive interest rates and fees to the poor entrepreneur. In some Muslim countries, conventional microfinance has always been rejected, due to its non-compliance with the Islamic principles, particularly on the issue related to interest or riba . Islamic microfinance evolved and reckoned as an alternative to its counterpart. However, the outreach of Islamic microfinance is very limited where only there is very few Islamic microfinance institutions and Islamic banks involved in microfinance activity. Also, Islamic microfinance is having an issue of convergence of activity with the conventional practices. Thus, this paper aims to propose to adopt Zero Interest Financing Model (ZIFM) for Islamic microfinance institutions. This study focuses on the case of Indonesian Islamic microfinance institution namely Shariah People Credit Bank (BPRS) by observing their experience and some emerging issues. The proposed model is expected to address an emerging issue in Islamic microfinance institutions.

Company Specific Advantage and Sustainable Competitive Advantage

Company Specific Advantage is conceived as the main thrust of most strategy directions in management practices within a company. As a firm is understood as a going concern, a company’s objective is to generate and to sustain long-term viability. The question then is: how does a firm generate and sustain its long-term viability? The answer might be found in the conception of resources and capabilities, which are postulated as a basis for generating and sustaining performance. A strategic management model based on four main constructs comprising company specific resources, company specific organisational capabilities, company specific advantage, and sustainable competitive advantage was developed. This model was tested successfully on Rural People Credit Banks of Indonesia.

COMMERCIALIZATION OF MICROFINANCE IN INDONESIA: THE SHORTAGE OF FUNDS AND THE LINKAGE PROGRAM

Financial sustainability is important for management of microfinance institutions, but funding is always a difficult problem for them. Commercialization is expected to be one of the solutions. This article focuses on the people's credit bank (BPR), which is a commercialized but small‐scale unit bank in Indonesia, and examines the effects of a liquidity support scheme, a linkage program, on BPR. The results of regression analysis, using financial data from a total of 1,104 BPRs, reveal that bank loans contribute to the expansion of BPR credit. Moreover, the effect of bank loans through the linkage program has been larger than that of bank loans only. Funds from saving and deposits have had the largest effect on the expansion of BPR credit. Concerning profitability, bank loans affect the return on assets positively, but there is no obvious effect of participation in the linkage program.