PT Bank Central Asia Tbk Research Articles

THE INFLUENCE OF EMOTIONAL INTELLIGENCE AND WORK STRESS ON JOB SATISFACTION OF CUSTOMER SERVICE OFFICER BAKTI PT BANK CENTRAL ASIA Tbk KCU PEKANBARU

This research aims to determine the influence of emotional intelligence and work stress on job satisfaction of customer service officers at PT Bank Central Asia Tbk KCU Pekanbaru. This research is a quantitative research with emotional intelligence and job stress variables on job satisfaction. This study uses data collection techniques by distributing questionnaires. The number of samples in this study were all CSO Bakti employees of PT Bank Central Asia Tbk KCU Pekanbaru, totaling 47 employees. The data analysis technique used is multiple linear regression, coefficient of determination, and hypothesis testing. According to results of the study simultaneously that emotional intelligence and work stress affect the job satisfaction of CSO Bakti employees at PT Bank Central KCU Pekanbaru. Emotional intelligence and work stress contributed 79,6% to the job satisfaction of PT Bank Central Asia Tbk KCU Pekanbaru employee customer service officers, while the remaining 20.4% was accounted for by other variables not examined in this study.

Pengaruh Pandemi Covid-19 Terhadap Minat Penggunaan Layanan Mobile Banking

Currently, Indonesia is experiencing a national disaster in the form of the Covid-19 which is a virus with a very fast transmission rate.pandemic Covid-19 is allegedly not only attacking health but also affecting the global economy. In the end, many people use digital transactions such as Mobile banking during this pandemic. Mobile Bankingaservice provided by banks to facilitate their customers in transacting anywhere and anytime. Mobile banking useful for customers in carrying out government policies of stay at home and physical distancing to break the chain of virus spread during the covid 19
 This study aims to determine the effect of Stay at home (X1) and Physical distancing (X2) on interest in using Mobile banking (Y) during the Covid-19. The method used in this study is multiple linear regression analysis, this is an analysis that describes the form of influence between one or more variables with other variables. The type of data used in this study is a secondary data source that was processed from 100 respondents from customers of Bank Central Asia Tbk Bogor Main Branch Office.
 Based on the results of data processing, there is a significant positive effect between stay at home on interest in using Mobile banking services at PT Bank Central Asia Tbk Bogor Main Office, there is a significant positive effect between physical distancing on interest in using Mobile banking services at PT Bank Central Asia Tbk Bogor main office. There is a joint influence of stay at home and physical distancing on the Interest in Using Mobile banking Services PT Bank Central Asia Tbk Bogor Main Office.
 Keywords: Stay at home, physical distancing, intention, and Mobile Banking

PENINGKATAN KINERJA KARYAWAN BERDASARKAN BEBAN KERJA, STRES KERJA DAN DISIPLIN KERJA (STUDI KASUS PADA CUSTOMER SERVICE DAN TELLER KELOMPOK BANK BERDASARKAN MODAL INTI (KBMI) IV)

Based on the financial services authority regulation number 12/POJK.03/2021 concerning commercial banks, the grouping of bank capital is divided into bank groups based on core capital (KBMI), one of which is banking with KBMI 4 category which is a bank with a core capital of more than IDR 70 trillion. The list of bank that are included in KBMI 4 include PT Bank Rakyat Indonesia (Persero) Tbk, PT Bank Mandiri (Persero) Tbk, PT Bank Negara Indonesia (Persero) Tbk, and PT Bank Central Asia Tbk. In the operational activities of these banks need to implement good corporate performance to provide satisfaction to customers. This study discusses the influence of workload, work stress, and work discipline on the performance of banking employees at KBMI 4. The data was obtained in the form of primary data by distributing questionnaire forms to employees in the position of customer service and banking teller at KBMI 4. The data collected is as many as 130 respondents using the multiple regression analysis methods. The results of the study show that 1) workload has a positive and significant effect on employee performance 2) work stress has a positive and significant effect on employee performance 3) work discipline has a positive and significant effect on employee performance.

Analisis Pengaruh Rasio BOPO, CAR dan NPL Terhadap Kinerja Keuangan Pada PT Bank Central Asia Tbk.

This research was conducted at PT Bank Central Asia Tbk. With the aim of knowing and analyzing the health of banks with BOPO, CAR and NPL ratios and looking for their influence on financial performance (ROA). The research method used is associative quantitative research. The sample for this study consisted of balance sheets, income statements and notes to financial statements (CALK) for 15 years from the period 2007 - 2021 with the sampling technique used being purposive sampling. The analytical tools used are classical assumptions, multiple linear regression, Coefficient of Determination, Multiple Correlation, Partial t-test, and Simultaneous f-test which aims to analyze the relationship between BOPO, CAR and NPL variables on financial performance (ROA) using SPSS v software. 16. The results of this study indicate that BOPO has a significant effect on ROA, for CAR and NPL it does not have a significant effect on ROA. Meanwhile BOPO, CAR and NPL together have a significant effect on ROA.

The Stock Price Prediction Formula Using the Concept of Equality in the Amount of Data Between the Average Difference of Order One and Two at Levels n and n+1

Technological developments are getting faster, as is the dissemination of existing information, especially on the capital market. In order for investors to avoid losses from the capital market, a method is needed that is able to analyze the movement of the stock price. This study focuses on the application of the Data Scales Analysis (DSA) method which uses a formula with the concept of the same amount of data between the first and second order average differences at levels n and n + 1 for predicting the stock price of issuers, in predicting stock prices in the capital market. The resulting formula is named JIC-FLY 2 which is a new formula used to predict stock prices in the capital market. The population used in this study are issuers who are members of IDX 30 from the banking sub-sector with the sample used is the issuer of BBCA (PT Bank Central Asia Tbk). The results of this study note that the DSA method with this formula is able to produce the best predictive value, namely DSA 12 with an error percentage of 0.035%.

TINJAUAN PENGATURAN PEMILIK MANFAAT (BENEFICIAL OWNERSHIP) TERHADAP KEPEMILIKAN PERSEROAN TERBATAS PERBANKAN DI INDONESIA (Studi PT. Bank Central Asia Tbk)

Beneficial Owner is the concept of property ownership in the common law legal system which has 2 (two) types of property ownership, namely legal and beneficial. Indonesia as a country with a civil law legal system does not recognize beneficial ownership, and only recognizes legal ownership. Thus, the Regulation of Beneficiaries in Presidential Regulation Number 13 of 2018 concerning Application of the Recommendation of the Principle of Recognizing the Beneficial Owners of Corporations in the Context of Prevention and Eradication of the Crime of Money Laundering and Terrorism Financing Measures must be reviewed against the provisions of the ownership of the existing Banking Limited Liability Company. The purpose of this study is to explain the regulation of the Beneficiary on the provisions of the ownership of a Banking Limited Liability Company in Indonesia and specifically the ownership of PT Bank Central Asia Tbk.This study uses a type of qualitative research that is descriptive analysis using a normative research approach. This research was conducted using library research, where there are elements of a statutory approach using positive law in Indonesia and a conceptual approach. The regulations in this study are regarding the Beneficial Owner and Banking Limited Liability Company.The results of the study show that there is a discrepancy between the Beneficial Owners arrangement and Law Number 40 of 2007 concerning Limited Liability Companies, Law Number 25 of 2007 concerning Investment and Financial Services Authority Regulation Number 39/POJK.03/2017 concerning Sole Proprietorship in Indonesian Banking . Furthermore, the criteria for Beneficial Owners in the ownership of PT Bank Central Asia Tbk are PT Investama Andalan which is owned by Robert Budi Hartono and Bambang Hartono who is the Controlling Shareholder of BCA.

Analisis Penerapan Good Corporate Governance PT Bank Central Asia Tbk

Abstract: Purpose: This study aimed to determine the extent of the application of principle Good Corporate Governance at PT Bank Central Asia Tbk. Besides aiming to determine the application of the principles of good corporate governance has applied to PT Bank Central Asia Tbk, this study also aims to analyze the constraints faced in the implementation of good corporate governance at PT Bank Central Asia Tbk. Method: This type of research is included in qualitative research using a case study approach. The data source in this study is secondary data, namely data obtained through a review of several literature related to the issues raised, from relevant theoretical references by reading several books, magazines, bulletins, newspapers and the internet. Results: The results showed that the general application of the principles of good corporate governance which include transparency, independence, accountability, accountability and fairness in PT Bank Central Asia Tbk performed reasonably well although there still are obstacles faced. The constraints faced by PT Bank Central Asia Tbk is a constraint tightening bank credit, bank products are not yet Productivity fully efficient and effective, high standard of human resources as a result of globalization and the problem of internal fraud cases (internal fraud). Keywords: 1. Good Corporate Governance 2. BCA 3. Openness 4. Accountability 5. Responsibility 6. Independence 7. Fairness

Studi Komparasi Kinerja Profitabilitas dan Earning Per Share PT Bank Central Asia Tbk Sebelum dan Setelah Menerapkan Mobile Banking

This investigation was done to compare the performance of PT Bank Central Asia Tbk's profitability and earnings per share (EPS) before and after the implementation of mobile banking. In this study, financial statements from 2008 to 2017—five years before and five years after the usage of mobile banking—are used. The implementation of mobile banking in PT Bank Central Asia Tbk's services has had an impact on a number of areas, including profitability and earnings per share (EPS) performance. These areas include an increase in return on assets (ROA), a decrease in return on equity (ROE), and an increase in earnings per share (EPS). All of the variables were distributed regularly, according to the findings of the normality test. Before and after the implementation of mobile banking, there is a considerable variation in the Return on Assets (ROA) ratio. There is no notable difference in the Return on Equity (ROE) ratio. While there is a sizable variation in EPS between before and after the implementation of mobile banking

PENGARUH CAPITAL ADEQUACY RATIO (CAR) DAN NON PERFORMING LOAN (NPL) TERHADAP PROFITABILITAS ROA PADA PT BANK CENTRAL ASIA TBK

The purpose of this study was to determine the effect of the Capital Adequacy Ratio (CAR) and Non-Performing Loans (NPL) Against Return On Assets (ROA) either partially or simultaneously. The research design used in the preparation of this research is causal associative quantitative which aims to determine the effect of the independent variables on the dependent variable in depth describing or revealing problems, situations, events or revealing facts and trying to find solutions or problem solving. The effect Capital Adequacy Ratio (CAR) on Return On Assets (ROA) at PT Bank Central Asia Tbk has a significant effect between the Capital Adequacy Ratio (CAR) variable on the Return On Assets (ROA) variable seen from the significance value of 0,047 which is smaller than the limit value significance of 0,05.

PENGARUH KUALITAS PELAYANAN TERHADAP KEPUASAN NASABAH PT. BANK CENTRAL ASIA. TBK CABANG SURYOPRANOTO

This study aims to measure the extent to which the level of service quality on the level of customer satisfaction of PT Bank Central Asia Tbk. Suryopranoto Branch. This research uses descriptive quantitative analysis methodology with correlation analysis, determination analysis, and regression analysis. This study has 40 (forty) respondents consisting of men and women. The data used are quantitative data obtained from questionnaires distributed to respondents from PT. BANK BCA Tbk. KCU Suryopranoto Jl. Suryopranoto, Central Jakarta. The results of this study indicate that from that customer satisfaction (X) increases positively and is influenced by service, if there is no (x = o), then the level of satisfaction increases positively. There is a very strong relationship between service and customer satisfaction 79.21%, meaning the other factors are 20.79%.

The Role of COBIT5 as a Reference for Quality Service Quality Improvement


 Bank Central Asia Tbk. is the largest private bank company in Indonesia, which is now owned by one of the largest cigarette group companies in the world, namely Djarum. PT. Bank Central Asia Tbk. make various efforts to improve the quality of service quality by setting a standard and policy. One of them is the determination of ITIL V3 standardization, which covers the entire IT Service process. ITIL V3 is a series of concepts and techniques for infrastructure management, development, and information technology operations. These efforts were made to meet the ISO 20000 standardization to obtain ISO 20000 certification in 2011. However, PT Bank Central Asia Tbk wants to continue to improve the quality of IT services for the better, therefore PT Bank Central Asia Tbk. chose to use the COBIT 5 framework as a method of measuring the quality of IT service quality, especially in the field of IT Service Management (ITSM) in the DSS02 (Manage Service requests and Incidents) and DSS03 (Manage Problems) processes. The result of this research is that the Capability Level of the DSS02 and DSS03 processes is known at PT Bank Central Asia Tbk. the current condition is level 3 (Established Process), while the target level to be achieved is level 4 (Predictable Process). So that to reach the next level, PT Bank Central Asia is expected to have followed the recommendations for improvement given.

THE EFFECT OF LEADERSHIP STYLE AND WORK ENVIRONMENT ON EMPLOYEE PERFORMANCE

This study aims to predict and analyze the effect of leadership style and work environment on employee performance at the Head Office of PT Bank Central Asia Tbk, Merchant Processing and Merchant Administration Affairs Units. The data used in this study is primary data and the research instrument is questionnaire using a Likert scale. This research was conducted on 80 respondents using a quantitative approach and hypothesis testing. For the data analysis method, Structural Equation Model (SEM) based on Partial Least Square (Smart-PLS) version 3.0 is used. This study able to predict that employee performance is not affected by leadership style while the work environment affects employee performance. The findings explain that the more effective the work environment, the better employee performance will be. The role of leadership style does not affect performance, it can be made possible by the conditions and characteristics of the work that are procedural and bureaucratic. Keywords : Leadership Style, Work Environment and Employee Performance. DOI: 10.7176/JRDM/82-04 Publication date: February 28 th 2022

PENGARUH IKLIM KOMUNIKASI ORGANISASI TERHADAP PRODUKTIVITAS KERJA PEGAWAI SATUAN KERJA KEPATUHAN PT BANK CENTRAL ASIA TBK

Communication climate can be a one of the most important influence in work productivity, because communication climate wil influences the effort of organization’s members. If communication climate is well conditioned, the organization’s members indirectly will form a mental attitude to improve a quality of life. A mental attitude will encourage improvement of work productivity. This was realized by Satuan Kerja Kepatuhan PT Bank Central Asia Tbk. They realized that to get job done responsibly to company and government institutions need support from organization’s environment as well. This research used quantitative explanative type of research, that used survey through questionnaire as many as 120 statements with total of population and sample as many as 40 respondent that all employees of Satuan Kerja Kepatuhan PT Bank Central Asia Tbk. The measurement of influence of the organizational communication climate on the work prodictivity used spearman correlation’s rank, analitazion of regression and t table. The result of this research indicate that 41 percents is obtained about influence the communication climate on the work productivity. While, the rest is idicate by other variables out of regression model. That means organizational communication climate has a role in creating work productivity’s employee of Satuan Kerja Kepatuhan PT Bank Central Asia Tbk.

Comparative Analysis of PT Bank Central Asia Tbk Performance before and after the COVID 19 Pandemic

This study aims to determine whether there are differences the performance of PT Bank Central asia Tbk before (2019) and after (2020) the covid 19 pandemic hit Indonesia. The method used is a non parametric of different test using the Wilcoxon test. The result is PT Bank Cetral Asia Tbk performance before and after covid 19 pandemic is no significant difference but not constant because had 5 (five) performance ratio had increase, there is Productive assets have problems with total productive assets, Return on Assets (ROA) , Return on Equity (ROE), Net Interest Margin (NIM), and Loan to Deposit Ratio (LDR), but 7 (seven) performance ratio decreased there is Capital Adequacy Ratio (CAR), Non-performing earning assets and non-earning assets to total earning assets and non-earning assets, Allowance for impairment losses (CKPN) of financial assets against productive assets, Non-Performing Loan gross, Non-Performing Loan net, Operating Expenses to Operating Income (BOPO), and Cost to Income Ratio (CIR).

Value-At-Risk Analysis Using ARIMAX-GARCHX Approach For Estimating Risk Of Bank Central Asia Stock Returns

Before buying a stock, an investor must estimate the risk which will be received. VaR is one of the methods that can be used to measure the level of risk. Most stock returns have a high fluctuation, so the variant is heteroscedastic, which is thought to be caused by exogenous variables. The time series model used to model data that is not only influenced by the previous period but is also influenced by exogenous variables is ARIMAX. In contrast, the GARCHX model is used to obtain a more optimal stock return data model with heteroscedasticity cases and is influenced by exogenous variables. This study uses the ARIMAX-GARCHX model to calculate the VaR of the stock returns of PT Bank Central Asia Tbk. The exogenous variables used are the exchange rate return of IDR/USD and the return of the JCI in the period January 3, 2017, to March 31, 2021. The best model chosen is the ARIMAX(2,0,1,1)-GARCHX(1,1,1). VaR calculation is carried out with the concept of moving windows with time intervals of 250, 375, and 500 transaction days. The results obtained at the 95% confidence level, the maximum loss obtained by an investor is 1,4%.

Analysis of Bank Health Level at PT Bank Central Asia Tbk Based on the RGEC Method for the 2015-2019 Period

This study aims to determine the level of Bank Soundness at PT Bank Central Asia Tbk based on the RGEC method for the period 2015 – 2019 which is recorded in Indonesia Stock Exchange (IDX). The data analysis method uses the RGEC approach, collecting data that relating to the component indicators of the RGEC method and related data with the results of self assessment, calculating the indicator value of each components of the RGEC method in accordance with Bank Indonesia regulation No.13/1/PBI/2011 and Circular Letter of the Financial Services Authority No. 14/SEOJK.03/2017. The results of research at PT. Bank Central Asia Tbk 2015 period predicate Bank Central Asia's soundness rating is “VERY HEALTHY”, with a score of weighting of 93.33%, in 2016 the predicate of the soundness of Central Bank Asia “VERY HEALTHY”, with a weighted score of 96.67%, in 2017 Bank Central Asia's rating of HEALTH level of soundness, with a weighting score of by 93.33%, in 2018 the predicate of Bank Central Asia's soundness level “HEALTH”, with a weighting value of 93.33%, in 2019 the predicate level of Bank Central Asia (BCA) “HEALTH”, with a weighting value of 96.67%. And in general for the 2015-2019 period the Bank's soundness level Victoria is at the “HEALTH” level with an average weighting value of 94.67%.

Pengaruh Loan To Deposit Ratio, Capital Adequacy Ratio, Dan Non Performing Loan Terhadap Profitabilitas Perbankan Yang Terdaftar Di Bursa Efek Indonesia (BEI)

This study aims to determine how the influence of Loan to Deposit Ratio, Capital Adequacy Ratio and Non Performing Loans on Banking Profitability Listed on the Indonesia Stock Exchange (IDX) that occurs at PT Bank Central Asia Tbk, PT Bank Rakyat Indonesia (Persero) Tbk, PT Bank Mandiri (Persero) Tbk, PT Bank CIMB Niaga Tbk, PT Bank Negara Indonesia (Persero) Tbk, PT Bank Tabungan Negara (Persero) in 2014-2018.
 The data used in this study are quantitative data with secondary data sources derived from the financial statements of each bank. This research uses descriptive statistical analysis methods, inference analysis, classic assumption test, multiple linear analysis and coefficient of determination. Regression analysis is used to find out how the influence of independent variables on the dependent variable with a significance value of 5 percent. While the determination coefficient analysis is used to determine the relationship between the independent variable and the dependent variable.
 From the partial hypothesis test (T Test) that has been done by the author, it is obtained that the Loan to Deposit Ratio affects Return On Assets, Capital Adequacy Ratio has no effect on Return On Assets and Non Performing Loans has no effect on Return On Assets. For simultaneous hypothesis testing (Test F), the results obtained are that the independent variables namely Loan to Deposit Ratio, Capital Adequacy Ratio and Non Performing Loans simultaneously influence the Return on Assets.
 
 Key words : Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Non Performing 
 Loan (NPL), Return On Asset (ROA).

Implementation of ARIMA Method in Predicting Stock Price Fluctuations of PT Bank Central Asia Tbk

In stock trading activities, the share price always fluctuates, it is caused by the demand and supply of the shares. The condition of stocks that continue to experience fluctuations makes investors who want to invest in stocks need to pay attention and study in advance the past data of the company to be selected to know how the company's stock price fluctuations in the next period.This study aims to determine the model of ARIMA Box-Jenkins from the closing price of PT Bank Central Asia Tbk shares, then forecast the obtained model. The data used in this study is the data series of the closing price of PT Bank Central Asia Tbk's daily shares from October 1, 2020 to February 26, 2021. The forecasting method used is the ARIMA Box-Jenkins method. As a result of this study, the appropriate ARIMA Box-Jenkins model for the closing price of PT Bank Central Asia Tbk's shares is the ARIMA model (0,2,1). The predicted value of the model is that the closing price of PT Bank Central Asia Tbk shares has decreased.
 
 Pada aktivitas perdagangan saham, harga saham selalu mengalami fluktuasi, hal itu disebabkan oleh adanya permintaan dan penawaran atas saham tersebut. Kondisi saham yang terus mengalami fluktuasi membuat para investor yang ingin melakukan investasi saham perlu memperhatikan dan mempelajari terlebih dahulu data masa lalu dari perusahaan yang akan dipilih untuk mengetahui bagaimana fluktuasi harga saham perusahaan pada periode selanjutnya. Penelitian ini bertujuan untuk menentukan model ARIMA Box-Jenkins dari harga penutupan saham PT Bank Central Asia Tbk, kemudian melakukan peramalan dari model yang diperoleh. Data yang digunakan dalam penelitian ini adalah data deret waktu harga penutupan saham harian PT Bank Central Asia Tbk dari 1 Oktober 2020 sampai 26 Februari 2021. Metode peramalan yang digunakan adalah metode ARIMA Box-Jenkins. Hasil dari penelitian ini, model ARIMA Box-Jenkins yang sesuai untuk harga penutupan saham PT Bank Central Asia Tbk adalah model ARIMA (0,2,1). Nilai hasil prediksi dari model tersebut yaitu harga penutupan saham PT Bank Central Asia Tbk mengalami penurunan.

Effect Of The Implementation Of Queue System On Customer Satisfaction

This study aims to determine whether the queuing system affects customer satisfaction. Data collection using primary data obtained from questionnaires using purposive sampling technique. The object and population is all customers of PT Bank Central Asia Tbk Ahmad Yani Makassar Branch Office totaling 5,970 customers while the sample taken is 100 respondents based on the Slovin formula. The results of the questionnaire have been tested for validity and reliability, as well as tested classic assumptions in the form of assumptions of normality, heteroscedasticity and linearity. Methods of data analysis using simple regression techniques with SPSS 21 program. The results showed that the proposed hypothesis was accepted because it showed positive and significant hypothesis test results. This means that the queuing system has a positive and significant effect on customer satisfaction.

Pengaruh Dana Pihak Ketiga Dan Loan To Deposit Ratio Terhadap Jumlah Penyaluran Kredit

The purpose of this research is to know the influence of Third-Party Funds and Loan to Deposit Ratio to The Amount of Loans that happened to PT Bank Negara Indonesia (Persero) Tbk, PT Bank Central Asia Tbk, PT Bank Mandiri (Persero) Tbk on 2010-2019.
 Data that used for this research are quantitative data which sourch from secondary data on every banks financial report. The method used in this research are multiple linear regression analysis method, T test, F test, coefficient test and coefficient of determination test. Regression analysis used to know the influence of independence variable to dependence variable with a significance value of 5 percent while the analysis of coefficient determination and determination used to know the correlation of independent variabel and dependent variabel.
 Based on partial hypothesis test (T test) that has been done by the author, the result show that Third-Party Fund has a significant influence to The Amount of Loans, and the Loan to Deposit Ratio (LDR) has a significant influence to The Amount of Loans. On hypotheses simultaneously test (F test), the result shows that Third-Party Funds and Interest Rate of Corporate Loans have a simultaneous effect.
 
 Key words : Third-Party Fund, Loan to Deposit Ratio (LDR) of the Amount of Loans