PT Bank BRI Research Articles

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

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

Analisa Rasio Keuangan Terhadap Kinerja Perusahaan Pada Industri Perbankan

The rapid development of the banking world and the high level of complexity of the banking business can affect the financial performance of a bank. Bank financial statements can be used as a measure of a bank's performance by analyzing financial statements through ratio analysis. to assess the financial performance and market share of banks using ratios including liquidity ratios, activity ratios, profitability ratios, leverage ratios and special ratios. The method used in this research is descriptive analysis through a quantitative approach to be the research method used. Quantitative data type, with data collection techniques through internal in the form of financial reports from PT Bank BNI, PT Bank BRI, PT Bank BCA, and PT Bank Mandiri obtained from the Indonesia Stock Exchange (IDX) website. This study shows that there are significant differences to assess the financial performance and market share of banks using ratios including liquidity ratios, activity ratios, profitability ratios, leverage ratios and special ratios..

Sustainable Investments: A New Model for Post-Pandemic Economic Recovery

This study analyzes the impact of sustainable investment on economic indicators by considering five main banks in Indonesia, namely PT Bank BRI (BBRI), Bank UOB Indonesia (UOYB), PT Bank Central Asia Tbk (BBCA), PT Bank Negara Indonesia Tbk (BBNI), and PT Bank BJB Tbk. (BJBR). Statistical data involving economic growth, unemployment rates, greenhouse gas emissions, and increasing added value in local communities are analyzed. The results show that sustainable investment provides a significant positive impact, creating sustainable economic growth, reducing unemployment rates, improving the welfare of local communities, and reducing environmental impacts by reducing greenhouse gas emissions. The broader implications emphasize the importance of integrating sustainability in economic policy to achieve inclusive and sustainable growth.

The Influence of the Distribution Process , Productivity and Income of Micro, Small and Medium Enterprises To Distribution People's Business Credit (Kredit Usaha Rakyat)The Influence of the Distribution Process , Productivity and Income of Micro, Small and Medium Enterprises To Distribution People's Business Credit (Kredit Usaha Rakyat)

The aim of this research are 1) Analyze the factors that influence Micro , Small and Medium Enterprises (MSMEs) Submit People's Business Credit. 2) Formulate development ideas business For development marketing based on analysis internal environment and environment external company at PT Bank BRI (Persero) Tbk Pasar Minggu Branch Office , Jakarta. 3) Make a plan development marketing at PT Bank BRI (Persero) Tbk Pasar Minggu Branch Office , Jakarta based non- financial aspects and aspects financial .. Research methods used is method qualitative and method quantitative . Qualitative method with do observation direct as well as interview For study non- financial aspects covers market and marketing aspects , aspects organization and management, aspects source Power humans, and aspects collaboration. Quantitative method use analysis appropriateness effort on aspects financial . With data sources divided into two, namely, primary secondary data sources. Data collection methods include observation and questionnaires. After the data is summarized, it is then discussion and conclusions are drawn. Based on objectives , results and discussion so conclusion article This is For formulate hypothesis For research Next , namely : 1) Price has an influence on Purchasing Decisions ; 2) Reviews Online Consumers are influential on Purchasing Decisions ; and 3) Trust Consumer influential on Purchasing Decisions.

BRIS AT IDX: A LOOK AT HOW SHARIAH BANK MERGER WORKS IN INDONESIA

This article provides a comprehensive exploration and analysis of the complex legal framework surrounding the merger of PT Bank Syariah Mandiri, PT Bank BRI syariah Tbk, and PT Bank BNI Syariah, resulting in the establishment of Bank Syariah Indonesia (BSI). The analysis meticulously categorizes the legal requirements applicable to both private and public Shariah banks, referencing key regulations such as POJK 41/2019, Law 40/2007, POJK 15/2020, POJK 74/2016, and others. The study delves into the essential elements of the merger process, navigating through the intricacies involved in formulating a comprehensive merger plan. This includes a detailed examination of share evaluation methodologies and the resolution of associated rights and obligations. The article places significant emphasis on the disclosure of material facts, highlighting the importance of transparently communicating information that has the potential to impact stakeholders. Additionally, the analysis extends to the multifaceted approval processes required for the successful execution of the merger, encompassing internal approvals from boards of directors and commissioners, as well as regulatory bodies. The article sheds light on the intricate procedures and criteria outlined by the Indonesia Stock Exchange (IDX) regarding such transformative transactions, further adding complexity to the overall process.

Pengaruh Pemberian Modal Usaha dan Penjualan Terhadap Profitabilitas Usaha Debitur Bank BRI Raden Intan Bandar Lampung

A company's commercial activities are primarily aimed at achieving optimal profits and maintaining its position against industrial competition. An important parameter to evaluate the situation of a company is its level of profitability. The business capital invested, and the level of revenue generated by the business will contribute significantly to achieving maximum profits. This study aims to study the impact of corporate capital and revenue on the business profits of debtors of BRI Raden Intan Bandar Lampung Bank. This study uses a quantitative research method, with a sample of 10 companies that are macro debtors of PT Bank BRI Raden Intan. Financial report data for the period 2017-2021 is used to analyze the sample 50 times. Data analysis was performed using conventional hypothesis testing and hypothesis testing. The results of the study show that company capital has no significant influence on profitability, while sales have a positive and significant impact on profitability. Overall, the variables of business capital and revenue together influence profitability by 42.1% for PT Bank BRI Raden Intan Bandar Lampung's corporate customers in the period 2017-2021.

Analisis Sistem Antrian pada Pelayanan Customer Service (Studi Kasus: PT Bank BRI Cabang Raha)

Analisis Sistem Antrian pada Pelayanan Customer Service (Studi Kasus: PT Bank BRI Cabang Raha)

Analisis Pengaruh Pendapatan Margin Murabahah dan Ijarah Muntahiyah Bittamlik terhadap Profitabilitas Bank Umum Syariah Di Indonesia Periode 2018-2022

The purpose of conducting this research is to determine the effect of Margin Income of Murabahah and Ijarah Mutahiyah Bittamlik on the Profitability of Islamic Commercial Banks in Indonesia for the 2018-2022 period. The type of research in this study is descriptive quantitative. The sampling technique used in this study was a purposive sampling technique and produced a sample of 6 Islamic Commercial Banks, including PT Bank BNI Syariah, PT Bank BCA Syariah, PT Bank Syariah Mandiri, PT Bank Bukopin Syariah, PT Bank BRI Syariah, PT Bank Muamalat Indonesia from the period 2018 to 2022. The data analysis method in this study is multiple regression analysis. The results of the research that has been done show that there is a significant effect of Margin Murabahah and Ijarah Mutahiyah Bittamlik income on Profitability which is carried out simultaneously.

ANALISIS KOMPARATIF PT BANK SYARIAH INDONESIA TBK. SEBELUM DAN SESUDAH MERGER

The long-term goal achieved in this study is to see the effect of the merger of BUMN Syariah Banks to become Indonesian Syariah Banks (BSI). Where is the merger will certainly affect the expansion of the market area and can increase product variations because so far each Islamic Bank has unique products that have different characteristics, so that later it will further enrich its products, can increase economies of scale or increase the size of the bank, economics of scope and course this can be realized by financing giant projects. The research method used is a descriptive method with a quantitative approach. The population of this study is PT Bank BRI Syariah Tbk, PT Bank BNI Syariah, and PT Bank Syariah Mandiri. The next step is to process the data using the SPSS 17 software using the Wilcoxon signed rank test so that a research report can be compiled as the activity output. The results of the statistical test analysis there is no significant difference in the values of KPPM, ROA, ROE, NPF, FDR, BOPO, and NOM at Bank BRIS, BNIS, and BSM before and after the Merger. The KPPM, ROA, ROE, and NOM values are negative indicating that the KPPM, ROA, ROE, and NOM values after the merger are higher than before the merger. On the other hand, the NPF, FDR, and BOPO values are positive indicating that the NPF, FDR, and BOPO values after the merger are lower than before the merger.Keywords: Comparative, Financial Ratios, Bank Mergers

PERANCANGAN SISTEM INFORMASI LAYANAN GADAI EMAS MENGGUNAKAN MICROSOFT VISUAL STUDIO PADA BANK SYARIAH INDONESIA KC CIMAHI

Bank Syariah Indonesia is a bank that emerged from a merger between PT Bank BRI Syariah Tbk, PT Bank Syariah Mandiri, and PT Bank BNI Syariah. The consolidation between the three Islamic banks resulted in more complete services, greater coverage, and more optimal funding capacity. One of the services from BSI is the Gold Pawn Service, which is a lending product based on gold as collateral as a practical way to obtain cash. The purpose of the research that designed the Gold Pawn Service information system was to facilitate recording and reporting of all activities in the Gold Pawn Service. Technology in designing the Gold Pawn Service information system using Microsoft Visual Studio with Microsoft Access as database. This research resulted in the design of a Gold Pawn Service financing simulation information system that features news information and knowledge about calculations and explanations of gold pawn service financing products at Bank Syariah Indonesia at Cimahi Branch Office.

Proposed Marketing Strategy To Increase The Penetration Of Brimo’ By BRI Through Strategic Partnership Program

On February 2, 2019, PT Bank BRI (Persero) Tbk introduced Super App Brimo' by BRI to replace the previous iteration of their mobile banking, BRI Online (Brimo' 1.0). The Brimo by BRI target audience was organised by Bank BRI management in 2022, and it was disseminated to 12 Regional Offices in Indonesia. Bank BRI Region VI/Jawa 1 ran many acquisition programmes, including the Strategic Partnership Programme, to meet the aim of Brimo's users. Out of the 128 partners who entered the strategic partnership programme in 2022, 106 partners are classified as having low acquisition because they have an ability to recruit fewer than 50 users, and just 3 partners have the ability to acquire more than 500 users. In order to boost the partner's willingness to distribute Brimo' by BRI and, ultimately, increase the penetration of Brimo' by BRI, this study looks at potential options. The results show that there are some issues that partners face when distributing Brimo' by BRI, including technical difficulties, a lack of product knowledge, staffing issues, gimmicks that don't suit partners' preferences, poorly optimised promotions, the need for reward and recognition programmes, and partners' lack of confidence in their ability to distribute Brimo' by BRI. The study comes to the conclusion that offline training, gimmicky customization, reward and recognition programmes, and quicker referral fee payment are necessary to boost partner willingness to acquire Brimo's users. To determine how these guidelines will affect people, more research will be required.

Bank Garansi Sebagai Pengalihan Kewajiban Jika Terjadi Wanprestasi Oleh Nasabah (Studi di Bank BRI Cabang Kelapa Gading)

The aim of this study is to find out the general description of bank guarantees as a transfer of obligations in the event of default by the state (study at Bank Rakyat Indonesia, Kelapa Gading branch). The subject matter is then divided into several sub-problems or research questions, namely: 1) To what extent is the responsibility of the bank guarantee if the customer does not fulfill his obligations? 2) What is the Process for Fulfilling Bank Guarantee Obligations If the Bank's Customer Is Unable to Fulfill Their Obligations? This research uses a qualitative method with a descriptive approach. Selection of informants using purposive sampling, namely data types that are representative sources, namely primary data and secondary data. The source of data from this study is the HR Head of Bank BRI, Kelapa Gading branch. Furthermore, the data collection method used is document study and interviews, then the data or information that has been collected is analyzed qualitatively, namely the way research is carried out to find qualitative truth, namely data that is not in the form of numbers. The results of this study indicate that in the process of making this agreement several ordinary credits were proposed after that the amount was kept in cash for the specified amount and then issued. Usually it is published daily, monthly until the bank guarantee work is finished, after that the previous block is reopened and the money will be returned but if it has not been completed then the block will be set. Meanwhile, a power of attorney is given if the customer defaults to pay for the blocking and it is given to the borghout. but if the warning letter cannot complete the work then the glory will be auctioned. The implications of this research are: 1). PT Bank BRI Kelapa Gading, to avoid debtors defaulting in granting collateralized loans, the bank should still carry out a careful assessment of prospective debtors. 2). Should in the use of credit loans in order to avoid personal needs that affect loan repayments.

Measuring Financial Health Analysis Using Risk-Based Bank Rating (RRBR) Ratios: Evidence from Syariah Bank Listed on Indonesia Stock Exchange (IDX) For Periods Of 2018-2020.

This study provides an assessment of the healthiness of the Sharia Bank in Indonesia and analyse the results. We used three of four of the Sharia Banks listed on the Indonesia Stock Exchange (IDX) as a sample and used the risk-based bank rating (RBBR) methodology by measuring the risk profile condition, profitability (earnings), capital, and good corporate governance (GCG). Data were collected quarterly from the 3rd quarter of 2018 until the 4th quarter of 2020 of PT Bank BRI Syariah Tbk (BRIS), which has been merged into PT Bank Syariah Indonesia, PT Bank Tabungan Pensiunan Nasional Syariah Tbk (BTPS), and PT Bank Panin Dubai Syariah Tbk (PNBS). The result shows that non-performing loan (NPL) is healthy, while the loan to debt ratio (LDR) is quite healthy. The GCG result indicates that the companies achieved well. While the profitability and capital that were measured through return on asset (ROA), net interest margin (NIM), cost of operating income (BOPO), and capital adequacy ratio (CAR) are in very healthy condition. This study provides useful insight into measuring Sharia Banks in Indonesia by using the risk-based bank rating (RBBR) methodology.

The Evaluation of Mergers on the Financial Performance of PT Bank Syariah Indonesia

To increase the market share and strengthen the capital of Islamic banking in Indonesia as well as to expand their business activities, the government expanded Islamic banks externally through the merger of three state-owned Islamic banks to become Bank Syariah Indonesia. The method used in this research is descriptive quantitative where this study analyzes the financial performance of Islamic Banks forming Bank Syariah Indonesia which consists of 3 (three) Islamic banks namely PT Bank Syariah Mandiri, PT Bank BRI Syariah, and PT Bank BNI Syariah during the research period 2019-2022, by comparing 2 periods before and 2 periods after the merger. The results of the Paired sample t-test showed that there were differences for the 5 (five) financial ratios of the 8 (eight) financial ratios studied between before and after the merger in the observation period. These results indicate that the merger provided a significant improvement in the financial performance of PT Bank Syariah Indonesia.

Quality of Public Business Credit Providing Service at BRI Wasuponda Unit, East Luwu District Study of Customer Perception

This study aims to find out how customers perceive the service quality of people's business loans at PT BANK BRI Wasuponda unit. The research method used is descriptive quantitative. With a population of 250 customers by taking samples using probability sampling techniques and random research samples determined 50 customers. Data analysis used descriptive analysis with frequency distribution analysis tools.The results showed that the customer's perception of the service quality of KUR provision was in the good category with a percentage of 75 ≤ 100% and the affective indicator being the highest aspect with a yield of 1391. This variable was measured through the cognitive aspect with an acquisition percentage of 89.35%, affective with obtaining a percentage of 86.93%, conative with an acquisition of a percentage of 88.75%, tangible with an acquisition of a percentage of 88.16%., reliability with an acquisition of a percentage of 87.87%., Responsiveness with an acquisition of a percentage of 87.5%, assurance with an acquisition of a percentage of 90.12% and empathy with gain of 89.37%.

Pengaruh ROA, BOPO Dan FDR Terhadap Tingkat Bagi Hasil Deposito Mudhrabah

This study aims to understand and determine the effect of ROA, BOPO and FDR on the rate of profit sharing fordeposits mudharabah conducted at PT Bank BRI Syariah in 2012-2020. The research was assisted by the SPSS 16 program. The type of secondary data with quantitative data was in the form of quarterly financial report data. The population in this study is the financial statements of PT Bank BRI Syariah registered with the OJK, the reports selected as samples are quarterly reports in 2012-2020. The technique used is purposive sampling . Based on the results of the hypothesis, it shows that the ROA, BOPO and FDR variables have no partial effect on the variable rate of profit sharing fordeposits mudharabah , then simultaneously there is no effect between the ROA, BOPO and FDR variables on the variable rate of profit sharing fordeposits mudharabah , with a Rsquar value of 40%. , while the rest can be influenced by other variables or factors not included in this study.

The Effect of Good Corporate Governance on Financial Performance at PT. Bank Bri, Mandiri and Bni (Persero) Conventional and Sharia Tbk Listed on the Indonesia Stock Exchange 2016 – 2020

Study this aim for find influence of GCG (board of directors , board of commissioners and audit committee ) to performance finance (ROA) at PT. Bank BRI, BRI sharia, Mandiri , Mandiri sharia, BNI and BNI sharia Tbk . study this use analysis descriptive With quantitative data , the data source used in this study is a secondary data source. Secondary data is data taken from the financial statements of PT Bank BRI, BRI Syariah, Mandiri , Mandiri Syariah, BNI and BNI Syariah which are listed on the Indonesia Stock Exchange in 2017 6-20 20 published by the Indonesia Stock Exchange through the official website of the Indonesia Stock Exchange ( www.idx.co.id). The data analysis technique in this study uses the classical assumption test, to test the hypothesis using multiple linear analysis tests and T tests. The results showed that partially the Board of Directors (DD) partially had a significant effect on Financial performance (NPM) or HO1 is rejected and H a1 is accepted. Due to the value of sig. DD is smaller than 0.05, i.e. 0.000 <0.05 and the t-count value is greater than t-table, i.e. 4.101>2.06. The Board of Commissioners (DK) partially has no effect on Financial Performance (NPM) or H O2 is accepted and H a2 is rejected. Due to the value of sig. DK is greater than 0.05, which is 0.268 <0.05 and the t-count value is smaller than t-table, namely 1.131 <2.06. The Audit Committee (KA) partially has no significant effect on Financial Performance (NPM) or H O3 is accepted and H a3 is rejected. Because the sig KA value is greater than 0.05, namely 0.07 > 0.05 and the t arithmetic value is smaller than t table, namely 1.888 < 2.06

The Effect of Cash Turnover and Customer Growth on Profitability at PT Bank BRI Branch Unit Sawang Lhokseumawe

This study aims to determine the extent of the influence of cash turnover and growth in the number of customers on profitability at PT. Bank BRI (Persero) Lhokseumawe branch, Sawang Cash Office, North Aceh. Based on the results of the study illustrates that the increase in cash turnover and the number of customers contributed to increasing the profitability of PT. Bank BRI (Persero) Lhokseumawe branch office, Sawang unit, North Aceh Regency. With high cash flow turnover, banks can channel the proceeds from revolving funds to other productive sectors quickly and accurately, of course with a fluctuating profit level. Thus PT. Bank BRI (Persero) Lhokseumawe branch office, Sawang cash office have contributed to increased economic growth in Aceh in general, North Aceh, in this case Sawang District, North Aceh Regency in particular. This can be seen from the growth of various products and community businesses as well as the use of natural resources as superior products from Sawang District, North Aceh Regency.

Analisis Pengaruh Pembiayaan Istishna, Qardh dan Ijarah Terhadap Return on Asset Pada PT Bank Bri Syariah Tbk

This study discusses the impact of Istishna financing, Qardh financing and Ijarah financing on the return on assets (ROA) of PT Bank Bri Syariah Tbk. affects the increase at bank income, but the data seen is not in accordance with the theory. The question raised by this research is whether Istishna financing, Qardh financing, and Ijarah financing have a partial and simultaneous impact on the return on assets (ROA). The purpose of this research is to understand the effect of Istishna's financing, and Ijarah financing having an effect on Return On Asset (ROA) partially and simultaneously at PT Bank Bri Syariah Tbk. This study is a quantitative study using second-hand data, with a sample size of 36 samples. The mandatory data technique is documentation, namely PT Bank Bri Syariah Tbk financial ratio report data published by the Financial Services Authority through the OJK website and the Bank Bri Syariah website. This study is a quantitative study using second-hand data, with a sample size of 36 samples. Data analysis techniques use classical hypothesis testing and multiple linear regression, and use SPSS version 25 tools to process the data. , qardh and ijarah return on financing assets (ROA), can be concluded from the results of the regression test, if F test with a significant level value is the output table is 0.032. This means the Significant Value <0.05. This means there is an influence between istishna, qardh and ijarah on ROA of Bank BRI Syariah Indonesia simultaneously (together).

Analisis Faktor-Faktor yang Mempengaruhi Profitabilitas pada PT Bank BRI Syariah Tbk

This study aims to determine the effect of mudharabah financing (X1), musyarakah financing (X2), murabahah receivables (X3), and BOPO (X4) on profitability as measured using Return On Aset (ROA) (Y) PT Bank BRI Syariah Tbk. In this study, data was taken in the form of Annual Financial Report data for the 2016-2019 period stipulated by Bank Indonesia. The analysis ini this study includes descriptive statistical test using IBM SPSS 20 analysis tool. The results showed that simultaneously mudharabah financing, musyarakah financing, murabahah receivablesm and BOPO had an effect on ROA. Partially, musyarakah financing has a significant positive effect on ROA, BOPO has a significant negatif effect on ROA, and mudharabah financing and murabahah receivables have no significant effect on ROA.