People's Credit Bank Research Articles

Exploration Of Social Exchange Theory: Costumer Loyalty with Trust And Satisfaction As Intervening in Islamic People's Financing Banks (BPRS)

This research was at the Medan City Islamic People's Credit Bank (BPRS), which was lagging in terms of the number of customers and information technology. This study aims to determine the effect of organizational information and information technology on loyalty by using the intervening variables of satisfaction and trust. This research used correlational quantitative and Structural Equation Models (SEM). Respondents used in this study were 314 BPRS customers who are still active. The results showed that the information technology used by the BPRS did not affect loyalty where satisfaction was the intervention variable. On the other hand, organizational communication had an influence on customer loyalty with customer trust as an intervention variable

Strategic Analysis of PT Bank Perkreditan Rakyat (BPR) Citra Dana Mandiri

Indonesians are realizing the importance of safe and profitable savings. Thus, bank investment considerations are rising. People invest in People's Credit Banks (BPR) instead of traditional banks. Additionally, BPR provides village loans. Rural Banks (BPR) have helped many SMEs. This study examines PT. People's Credit Bank (BPR) Citra Dana Mandiri's external and internal environment and determines its best alternative strategy. IFE, EFE, SWOT, IE, and QSPM analysis tools are used in this study. Non-performing loans and market share were PT BPR Citra Dana Mandiri's biggest internal strengths. PT BPR Citra Dana Mandiri's biggest weakness was its lack of mobile-banking and 2 branch offices. Vehicle enthusiasts are a major external factor. the growth of MSMEs in Lampung Province, with competitors aggressively pursuing market share and offering credit and facilities. The TAS/Total Activeness Score QSPM, the first strategic alternative PT BPR Citra Dana Mandiri prioritizes, is market penetration. Market penetration can estimate PT BPR Citra Dana Mandiri's potential market

Pengaruh Budaya Organisasi dan Kepemimpinan Terhadap Kinerja Karyawan pada PT. Bank Perkreditan Rakyat (BPR) X Koto Singkarak

. This study discusses "The Influence of Organizational Culture and Leadership on Employee Performance at PT. People's Credit Bank (BPR) X Koto Singkarak". level of education, status and length of work.In this study the authors gave or distributed 31 files of questionnaires. For the Organizational Culture variable (X1) the t-count value is 2.999 with a significance level of 0.006. Because the calculated t value is greater than t table 2.909 > 2.048 and the significance level value is 0.007 <0.05 then H1 is accepted and Ho is accepted. This proves that Organizational Culture has a significant effect on Employee Performance at PT. People's Credit Bank (BPR) X Koto Singkarak. For the Organizational Culture variable (X2) the t-count value is 3.983 with a significance level of 0.000. Because the t-count value is greater than t-table 3.983 > 2.048 and the significant level value is 0.000 <0.05 then H2 is accepted and Ho is accepted. This proves that Leadership (X.1) has a significant effect on Employee Performance at PT. People's Credit Bank (BPR) X Koto Singkarak. The hypothesis is accepted if fcount > f table and sig value < a 0.05 from table 3.30, it can be seen that fcount 13.056 > from f table 3.30 with a significance value of 0.000 <0.05 then Ho is accepted H1 is accepted this indicates that the independent variable has a significant and simultaneous influence simultaneously on the dependent variable.

PENGARUH FASILITAS DAN INTELEKTUALITAS TERHADAP KINERJA KARYAWAN PT. BANK PERKREDITAN RAKYAT PEMBANGUNAN KERINCI

This study aims to determine the effect of facilities and intellectuality on employee performance at PT. Bank Perkreditan Rakyat Pembangunan Kerinci. The population in this study amounted to 40 people, namely all employees of PT. People's Credit Bank for Kerinci Development. While the sample size of 35 respondents with the sampling technique Probability Sampling is a sampling method in which every member of the population has the same opportunity to be selected as a sample. The data analysis technique used in this research is Multiple Linear Regression Analysis. The study results stated a significant influence between facilities and intellect on the performance of employees of PT. BPR Pembangunan Kerinci partially or simultaneously has a significant influence.

Effect of Standard Operating Procedures (SOP) and Work Environment on Employee Performance of PT. Bank Perkreditan Rakyat Sulawesi Mandiri Makassar

In general, most companies believe that to achieve success, they must strive for the maximum possible performance, both individual and group performance which ultimately affects the success of the company (Purwadi, 2017). The success that every company wants is not far from how managers manage Human Resource Management, in this case employee performance is the main capital to achieve a company success. As Standard Operating Procedures (SOP) play a role in making it easier for companies to organize and carry out the workflow or implementation of a task and as a guide for work results to achieve desired goals, (Arnina, 2016). For this reason, the purpose of this study is to determine the influence of standard operating procedures (SOP) and work environment on the performance of PT. People's Credit Bank Sulawesi Mandiri Makassar. Metode analysis used is multiple linear regression analysis using the SPSS application by looking at the constant value and the value of the resulting remission coefficient. The results of the analysis show that standard operating procedures (SOP) and work environment have a positive and significant effect on the performance of PT. People's Credit Bank Sulawesi Mandiri Makassar

Analisis Perbandingan Metode CAMEL dan Metode RGEC Dalam Menilai Tingkat Kesehatan Bank (Studi Kasus Pada PT. BPR Nusumma Jatim Periode 2019-2021)

PT. BPR Nusumma Jatim is one of the People's Credit Banks that is trusted by the public to save their funds and make loans for financing activities. The purpose of this research is to compare the CAMEL method and RGEC method in assessing the soundness level of a bank. The data analysis technique used in this study is a quantitative descriptive analysis technique. Source of data in this research is primary data. 
 The results showed that based on the two methods the soundness level of the bank PT. BPR Nusumma Jatim in 2019-2021 using the CAMEL method shows healthy results. While at the level of soundness of the bank at PT. BPR Nusumma Jatim in 2019-2021 using the RGEC method showed very healthy results. The difference in the results of the soundness level of this bank is due to the different predicate or rating of the final value of each method. But even though the results of the soundness level of the bank for each method are different, the results of the assessment of the predicate or rating of the CAMEL method and the RGEC method are at the top of the highest rating for each method.
 Keywords: CAMEL Method, RGEC Method, Bank Soundness Level

Pendidikan Prinsip Keadilan dalam Akuntansi Syariah

The purpose of this study is the application of the principle of justice in sharia accounting which examines the allocation of profits to stakeholders with the object of Islamic banking research. The research method used in this research is a qualitative descriptive type with the type of data in the form of allocation of company profits referring to financial reports and other data that supports research through interviews with the application of justice principles in sharia accounting. These data are collected and analyzed by comparing the application of the provisions regarding the allocation of profits in Islamic banking with the teachings of Islamic accounting in Islam. The research was conducted at one of the Sharia People's Credit Banks located on Madura Island. The results of the study can be concluded that the financial statements at the Islamic People's Credit Bank (BPRS) have shown a proportional allocation of profits to stakeholders, namely profits have been allocated to owners of funds consisting of customers and shareholders as well as to employees by applying Islamic values ​​in sharia accounting. Implementation refers to education on the principles of justice applied by the BPRS, this can be seen from the allocation of profits to stakeholders who have achieved the value of justice in accordance with Islamic teachings in sharia accounting.

Legal Protection of Online Investors on the Binomo App by Alert Task Force Investment Financial Services Authority

Background: Broadly speaking, an investment is a commitment to a certain amount of funds or other resources such as equipment, immovable assets, intellectual property rights, or expertise. Investments are made personally as well as by legal entities. Investment in general, has several objectives, the first, is to get a more decent life in the future, the second is to reduce inflationary pressures, and the third is to save taxes.
 
 Objective: This study aims to find out as well as analyze the legal protection of online Investors on the Bonomo application by the investment alert task force of the financial services authority. As well as knowing and analyzing about.
 
 Methods: This research belongs to the normative type of research. So it can be known that the legal protection of investors by brokerage companies has not been sufficiently able to accommodate the interests of investors.
 
 Result: In Law Number 21 of 2011 concerning the Financial Services Authority (OJK Law), the authority and duty of the OJK are to supervise Financial Services Institutions (LJK) in the capital market sector, the non-bank financial industry sector (such as insurance, pension funds, financing companies, etc.) and starting in 2014 will also supervise the banking sector (Commercial Banks and People's Credit Banks).
 
 Conclusion: Based on the above explanation, it can be concluded that the legal protection of investors by brokerage companies has not sufficiently accommodated the interests of investors.

PENGARUH PENGENDALIAN INTERNAL DAN GOOD CORPORATE GOVERNANCE TERHADAP PENCEGAHAN FRAUD

This study aims to determine: (1) The effect of internal control on fraud prevention, (2) The influence of good corporate governance on fraud prevention, (3) The effect of internal control on good corporate governance. This research was conducted at the People's Credit Bank (BPR) spread across Kudus Regency. This study used a data collection technique by distributing questionnaires at rural banks in Kudus Regency with the collection of 118 respondents. The obtained questionnaires were tested using validity and reability to test the feasibility of the obtained questionnaire data. The test equipment used in this study was to use the analysis requirements test including normality test, multicolonierity test, heteroskedasticity test. The method used in data analysis is a multiple regression analysis model. The results of this study show that: (1) internal control variables have a positive and significant effect on fraud prevention, (2) Good corporate governance variables have a positive and significant effect on fraud prevention, and (3) Internal control variables have a positive effect on good corporate governance

Determinan Performance of People's Credit Bank (BPR) on the Provision of MSME Loans in Bogor District

This research is quantitative research whose aim is to determine the effect of v a r he b e l L D R, CAR, N P L and ROA te rh a d a p Lending Micro, Small and Medium Enterprises (SMEs) in Bogor . The population used in this study is Rural Banks (BPR) located in Bogor district, amounting to 22 BPRs. The method of determining the sample used is probability sampling, the number of selected BPRs is 18 BPR with a period of 2 years, so the number of samples is 36 data. The type of data used in this study is secondary data. Hypothesis testing in this study used panel data regression analysis using Microsoft Excel 2009 and E-Views version 10.0. The results of this study indicate that LDR, CAR, and BOPO have an influence on lending, whereas. NPL has no effect on lending

Peranan account officer (AO) dalam memberikan pelayanan dan meningkatkan loyalitas nasabah pada PT. BPR Ciledug Dhana semesta di tengah pandemi corona virus disease 2019

Bank Perkreditan Rakyat (BPR) is a Bank that conducts business activities conventionally or based on sharia principles, which in its activities does not provide services in payment traffic, BPR activities are much narrower when compared to the activities of commercial banks because BPR is prohibited from receiving current deposit, foreign exchange activities, and insurance. The number of People's Credit Banks (BPR) is now making competition more intense and vying for the best rating in the eyes of the public, especially PT. BPR Ciledug Dhana Semesta. Therefore, a good anlisis strategy is needed by each bank to increase profit and have good quality. This study aims to determine the role of Account Officers in increasing customer loyalty at PT. BPR Ciledug Dhan in the midst of the 2019 corona virus disease pandemic. This study uses a descriptive analysis method, which describes the overall role of the Account Officer at PT. BPR Ciledug Dhana Semesta. The results of the study indicate that customer needs can be met properly until customers are satisfied with their services so that customer loyalty occurs so that BPR does not lose customers causing substantial losses or loss of income as well as utilizing digital technology to facilitate customer needs. The purpose of all of this is of course to maintain financial system stability, so that the interests of the community and the interests of the national economy are maintained, especially in the banking world.

Role of Credit Management Analysis to Reduce the Occurrence of Problem Loans (Study on People's Credit Bank in Gianyar District)

This study aims to identify and analyze credit management, the causes of bad credit, and the handling of loan problems in banking. This study uses quantitative methods and the data used are secondary data. The data used is based on the application of credit management and credit collectability data, the level of Capital Adequacy Ratio (CAR), Non Performing Loans (NPL), loan limit and Loan to Deposit Ratio (LDR). The results of this study indicate that Rural Banks have carried out the stages of credit management appropriately. The findings in this study indicate that the causes of bad loans are debtors who have family problems, business failures, job terminations and the covid 19 pandemic disaster. Non-performing loans are handled by rescheduling.

Role of Credit Management Analysis to Reduce the Occurrence of Problem Loans (Study on People's Credit Bank in Gianyar District)

Role of Credit Management Analysis to Reduce the Occurrence of Problem Loans (Study on People's Credit Bank in Gianyar District)

Pengaruh Tingkat Suku Bunga, Kualitas Pelayanan, dan Kualitas Produk Terhadap Kepuasan Nasabah Bank Perkreditan Rakyat Central Kepri

This research aims to obtain information about the relationship between free variables, namely Interest Rates (X1), Service Quality (X2), and Product Quality (X3) with bound variables, namely Customer Satisfaction (Y) at the Central Kepri People's Credit Bank, both individually and together. The population of this study was all customers at the Central Kepri People's Credit Bank in January amounting to 400 respondents. In this study, there was no classification of customer differences based on type or group status, the two types of customers had the same treatment. Samples were taken using accidental techniques. Using the Slovin formula obtained a sample of 80 people. The results showed that there was a significant positive influence of Interest Rate (X1), Quality of Service (X2), and Product Quality (X3) on Customer Satisfaction (Y) as indicated by the calculated Fhitung value of 77,336. This value is much smaller than the calculated F value at the alpha significance level of 0.05 which is 2.72, or F = 77,336 < 2.72. The pattern of the relationship of the three variables expressed by the double regression equation = 2.928 + 0.314X1 + 0.418X2 + 0.309X3. If calculated per variable, then the variable that has the most influence is the accuracy variable, which has a coefficient of determination of 41.8%. This means that service quality is the factor that most affects Customer Satisfaction.

The influence of entrepreneurial orientation on strategic alliance decision between rural banks and financial technology

This paper aims to examine the influence of entrepreneurial orientation on strategic alliance decisions between rural banks and financial technology with a case study on People's Credit Banks and Sharia People's Financing Banks in the Malang Financial Services Authority area. This research is quantitative research with data collection methods using questionnaire instruments as a tool to collect data. The study used saturated sampling or census techniques. The sample is a strategic decision maker in BPR and BPRS in the Malang Financial Services Authority (OJK Malang) area which includes Malang City, Malang Regency, Batu City, Pasuruan City, Pasuruan Regency, Probolinggo City and Probolinggo Regency. The results showed that Innovativeness, Proactiveness, and Risk-Taking had a significant and positive effect on strategic alliance decisions between rural banks - fintech companies. That is, the high or low level of Innovativeness, Proactiveness, and Risk-Taking affect the strength or not decisions of BPR's strategic alliance with Fintech.

Constraints of implementation of e-banking security system configuration at people's credit bank in north Sumatera

The purpose of this paper is to look at the Constraints of Implementing an E-Banking Security System Configuration at Rural Banks in North Sumatra, Indonesia. This type of research is qualitative research, namely research that intends to understand the phenomena experienced by the research subjects such as behavior, perceptions, motivations, actions, etc. holistically, and by means of descriptions in the form of words and language, in a special context that naturally and by utilizing various natural methods. The results of this study conclude that the obstacles in the implementation of the E-Banking security system in BPR, in the form of preventive measures and also risk analysis on the implementation of the E-Banking security system application in BPR.

Pemanfaatan Teknologi Informasi, Kualitas Informasi dan Penerapan Sistem Informasi Akuntansi pada Kinerja Manajerial BPR Tabanan

Information technology utilization and quality of information in the process of implementing an accounting information system can affect managerial performance. The phenomenon that often occurs is because the system owned by the People's Credit Bank (Bank Perkreditan Rakyat-BPR) in Tabanan has experienced a system failure when sending financial reports to the Financial Services Authority. The purpose of this study is to determine information technology utilization, information quality and application of accounting information systems on the managerial performance of BPR in Tabanan. Population and sample amounted to 23 companies with 46 observations selected using saturated sampling method. The data analysis technique used is multiple linear regression test. This study shows that information technology utilization, information quality and the application of accounting information systems have a positive effect on managerial performance.
 Keywords: Information Technology Utilization; Information Quality; Application of Accounting Information Systems; Managerial Performance.

Analisis Kesehatan Laporan Keuangan Pada PT BPR Syariah Buana Mitra Perwira Dengan Menggunakan Metode Camel Tahun 2016 – 2020

Background - Financial Health of the People's Credit Bank There is an assessment to reflect the role of economic policy, to determine the target and assess the financial health of a bank in a certain period, so that it can be used to analyze and as an evaluation to be able to know the performance of banking management. Purpose - In the Aspect of Camel Assessment have quantification of financial ratio calculations that are useful for assessing the level of financial health of the bank, the higher the capital of the bank that is expected to be the better the performance of its operations and the greater the scale of the operation, the bank is measured by total assets. Design / Methodology / Approach - This research researchers used quantitative research methods. To be able to achieve the objectives need to present an important indicator to determine the financial condition of PT BPR Syariah Buana Mitra Officers. Results and Discussion - The results of the study show that the health level at PT BPR Syariah Buana Mitra Officers in 2016-2020 can be declared very healthy. This means that at this time PT BPR Syariah Buana Perwira is able to guarantee customers for every deposit provided by the Customer and can pay all its obligations in the form of savings deposits, demand deposits, deposits when billed and can fulfill all credit applications that are approved. Conclusion - Car Ratio Analysis, PDN ratio, R0E RATIO, BOPO, NI and NPF ratio analysis at PT BPR Syariah Buana Mitra Officers in 2016- 2020 categorized are very healthy. While the analysis of Rentability using RAA ratio at PT BPR Syariah Buana Mitra Officers in 2016-2020 is categorized as healthy. While the FDR ratio analysis is categorized enough healthy. Research implications - this study can be used as a basis for the financial level of financial levels for the people's credit banks which are currently popping up. With this analysis, it will make BPR managers to be able to predict how the health level of BPR finance is adjusted to the conditions at this time.

Analisis Kesehatan Laporan Keuangan Pada PT BPR Syariah Buana Mitra Perwira Dengan Menggunakan Metode Camel Tahun 2016 – 2020

Background - Financial Health of the People's Credit Bank There is an assessment to reflect the role of economic policy, to determine the target and assess the financial health of a bank in a certain period, so that it can be used to analyze and as an evaluation to be able to know the performance of banking management. Purpose - In the Aspect of Camel Assessment have quantification of financial ratio calculations that are useful for assessing the level of financial health of the bank, the higher the capital of the bank that is expected to be the better the performance of its operations and the greater the scale of the operation, the bank is measured by total assets. Design / Methodology / Approach - This research researchers used quantitative research methods. To be able to achieve the objectives need to present an important indicator to determine the financial condition of PT BPR Syariah Buana Mitra Officers. Results and Discussion - The results of the study show that the health level at PT BPR Syariah Buana Mitra Officers in 2016-2020 can be declared very healthy. This means that at this time PT BPR Syariah Buana Perwira is able to guarantee customers for every deposit provided by the Customer and can pay all its obligations in the form of savings deposits, demand deposits, deposits when billed and can fulfill all credit applications that are approved. Conclusion - Car Ratio Analysis, PDN ratio, R0E RATIO, BOPO, NI and NPF ratio analysis at PT BPR Syariah Buana Mitra Officers in 2016- 2020 categorized are very healthy. While the analysis of Rentability using RAA ratio at PT BPR Syariah Buana Mitra Officers in 2016-2020 is categorized as healthy. While the FDR ratio analysis is categorized enough healthy. Research implications - this study can be used as a basis for the financial level of financial levels for the people's credit banks which are currently popping up. With this analysis, it will make BPR managers to be able to predict how the health level of BPR finance is adjusted to the conditions at this time.

Analysis of the Influence of Internal and External Factors on the Financial Inclusion of BPR (People's Credit Banks) in Bali Province

Analysis of the Influence of Internal and External Factors on the Financial Inclusion of BPR (People's Credit Banks) in Bali Province