PT Bank Mandiri Research Articles

Evaluation of Mckinsey 7s Framework Model Approach to Credit Distribution With 5C and 7P Principles at Commercial Banking

The strategic management process in lending is carried out starting from environmental analysis when determining market targets and credit risk assessments, then formulating strategies in lending by applying the principle of prudence in each credit process which then implementing the strategy can be seen from the NPL ratio, and the last process is an evaluation of the implementation of the 5C and 7P principles on lending at the Commercial Banking Directorate of PT Bank Mandiri (Persero) Tbk. The study aims to find out the implementation of the 5C and 7P principles. This study uses descriptive methods to identify problems, explain symptoms, and examine conditions and prevailing practices based on the information collected. Moreover, based on the explanation, from each item of the questionnaire, it can be concluded that the application of the 5C and 7P principles to credit distribution at Bank Mandiri is quite good, but it is necessary to pay attention to several subvariables, especially personality on the 7P principle, profitability on the 7P principle, and the Bank's profitability.

Analisis Komparasi Prinsip, Sistem dan Prosedur Penyaluran Dana untuk Usaha Mikro secara Konvensional dan Syariah

The purpose of this research is to find out the comparison of channeling funds for micro businesses between conventional banks and Islamic banks, then to find out the implementation according to the Financial Services Authority Regulation Number 42 / POJK.03 / 2017 at PT Bank Mandiri (Persero) Tbk and PT Bank Syariah Mandiri. Problem solving uses a method that is done by combining observations, interviews, documentation and regulations of the Act. The results of this study indicate that the implementation of channeling Credit or Micro Business Financing funds at PT Bank Mandiri (Persero) Tbk and PT Bank Syariah Mandiri Samarinda Branch is in accordance with the Financial Services Authority Regulation Number 42 / POJK.03 / 2017, the application of the principle there are differences in the implementation of the contract , the application of the system there is a significant difference, the application of the procedure there is no difference in the stages of completeness of the file and the settlement of credit or bad financing.

THE EFFECT OF PROFITABILITY RATIOS ON SHARE PRICES OF PERSERO COMMERCIAL BANKS IN INDONESIA FOR PERIOD 2017-2021

This study aims to measure the effect of the variables Return On Asset (ROA), Return On Equity (ROE), Net Profit Margin (NPM) on the Stock Price of Persero Commercial Banks in Indonesia in 2017-2021. The number of samples consists of 4 banks obtained using the total sampling technique. The data used is secondary data obtained from the Quarterly Financial Statements published on the official website of PT Bank Negara Indonesia (Persero) Tbk, PT Bank Mandiri (Persero) Tbk, PT Bank Rakyat Indonesia (Persero) Tbk, and PT Bank Tabungan Negara (Persero) Tbk during of the period 2017-2021. The data analysis model used is multiple linear regression analysis using SPSS 25.00 software. In contrast, hypothesis testing uses data analysis techniques, namely the coefficient of determination (Adjusted R2), F test and t-test. Based on the results of the coefficient of determination test (Adjusted R2), it shows that Return On Assets (ROA), Return On Equity (ROE), and Net Profit Margin (NPM) contribute an influence of 0.36 or 36% to the stock price. In comparison, 0.64 or 64% is explained by other variables outside the research model. F-test results show that Return On Assets (ROA), Return On Equity (ROE), and Net Profit Margin (NPM) simultaneously have a significant effect on stock prices. Based on the results of the t-test shows that the variables Return On Assets (ROA), Return On Equity (ROE), Net Profit Margin (NPM) partially have a significant effect on the Share Price at Persero Commercial Banks in Indonesia for the period 2017-2021.

The Effect of Corporate Image, Promotion, and Product Quality on Interest of TabunganKu Customers at PT Bank Mandiri Tbk

The Effect of Corporate Image, Promotion, and Product Quality on Interest of TabunganKu Customers at PT Bank Mandiri Tbk

The Effect of Corporate Image, Promotion, and Product Quality on Interest of TabunganKu Customers at PT Bank Mandiri Tbk

The Effect of Corporate Image, Promotion, and Product Quality on Interest of TabunganKu Customers at PT Bank Mandiri Tbk

Non-Performing Loans’ Impacts on the Banking Industries’ Loan Loss Provisions

Non-performing loans can impact the loan loss provisions of the banking industry. The sample of this research was collected from three banks: PT Bank Negara Indonesia (Persero) Tbk, PT Bank Rakyat Indonesia (Persero) Tbk, and PT Bank Mandiri (Persero) Tbk, for the period of 2013-2018. There were 72 data, 24 from each of the banks. The analysis was carried out using multiple linear regression and Sobel path analyses. The results showed that Capital Adequacy Ratio had a significant positive effect on Non-Performing Loans. Interest rates did not significantly affect Non-Performing Loans. Non-Performing Loans did not significantly affect Loan Loss Provision. Capital Adequacy Ratio had a significantly positive effect on Loan Loss Provision. Interest rates did not significantly affect Loan Loss Provision. Foreign exchange rates (USD against Rupiah) did not significantly moderate the positive effect of the Capital Adequacy Ratio on the Loan Loss Provision. USD exchange rates significantly moderated the negative effect of Non-Performing Loans on Loan Loss Provision. The interaction between the USD exchange rate and Non-Performing Loans negatively affected Loan Loss Provision. Foreign exchange rates did not significantly or positively moderate the effect of interest rates on Loan Loss Provision. Non-Performing Loans significantly mediated the positive effect of Capital Adequacy Ratio on the Loan Loss Provision. In other words, the positive effect of the Capital Adequacy Ratio on Loan Loss Provision is more positive when Non-Performing Loans increase, and vice versa. Non-Performing Loans did not significantly mediate the negative effect of interest rates on Loan Loss Provision, or the negative effect of interest rates on the Loan Loss Provision would be more negative when the Non-Performing Loans decreases, and vice versa.
 

Analysis of the Effect of Motivation and Work Discipline on the Performance of Employees at PT Bank Mandiri Binjai Branch

Professional and quality employees will form high performance, both individually and in groups so that it has an impact on the effectiveness of the organization as a whole. The problem is how to create employees who can produce optimal performance so that organizational goals can be achieved. This study aims to determine the effect of work motivation and work discipline on the performance of employees of Bank Mandiri Branch Binjai. To determine the effect of work motivation and work discipline on employees of Bank Mandiri Binjai Branch, the population of this study was all 49 employees of Bank Mandiri Branch Binjai. Considering that the total population is still within the scope of the study, the sampling was carried out using the census method, i.e. all members of the analysis. The test results show that there is a positive and significant effect of work motivation on employee performance. It can be interpreted that work motivation and work discipline influence the performance of employees of Bank Mandiri Branch Binjai either simultaneously or partially. Keywords: Employee Performance, Work Motivation, and Work Discipline.

Effect of Talent Management and Knowledge Management on Employee Performance with Employee Engagement as an Intervening Variable at PT Bank Mandiri, Jalan Bandung Branch

The purpose of this study is to analyze effect of talent management and knowledge management on employee performance with employee engagement as an intervening variable at PT Bank Mandiri, Jalan Bandung Branch. This type of research is associative research with a quantitative analysis approach. The population in this study were all employees of PT Bank Mandiri, Jalan Bandung Branch as many as 42 employees. The sampling method used is census sampling. So each member of the population is a sample of 42 employees. The analytical method used in this research is path analysis. The results of the study found that talent management has a positive and significant effect on employee performance. Knowledge management has a positive and significant effect on employee performance. Employee engagement has a positive and significant effect on employee performance. Talent management has a positive and significant effect on employee performance through employee engagement. Knowledge management has a positive and significant effect on employee performance through employee engagement. Keywords: Talent Management, Knowledge Management, Employee Performance, Employee Engagement.

Analisis kredit bermasalah ditinjau dari non performing loan (NPL) pada PT Bank Mandiri (persero) Tbk

As we know, in the financial system, there are various financial institutions that act as financial intermediaries. That is, lending money from the savings and loan community, lending it back to other parties. This is because it does not rule out the possibility that credit will pose a risk for this research to assess how much non-performing loans are in terms of non-performing loans (NPL) in a banking company, namely PT Bank Mandiri (Persero) Tbk. The method used in this research is the descriptive method. The sources of data used are secondary data and the use of library research and observation techniques as data collection techniques. In this study, we used a non-performing loan (NPL) financial ratio calculator as a data analysis technique. From this study, it was concluded that the highest NPL ratio occurred in 2016 at 3.96% and the lowest NPL ratio occurred in 2019 at 2.39%. The average NPL for the 5 years starting from 2016-2020, which is 3.17%, is in the healthy predicate.

INFLUENCE OF WORK DISCIPLINE, EDUCATION LEVEL AND INCENTIVES ON THE PERFORMANCE OF EMPLOYEES OF SECURITY UNIT MEMBERS AT PT BANK MANDIRI (Persero) Tbk, BATAM BRANCH

The purpose of the study was to look at the influence of work discipline, education levels, and incentives on employee performance. Respondents in this study were members of the security unit at PT Bank Mandiri (Persero) Tbk, Batam Branch. The population in this study was as many as 70 respondents. The samples in this study were determined using saturated samples, where all the populations in the study were sampled. The results of this study are that partial work discipline has a significant effect on employee performance, the level of education has a significant effect on employee performance, incentives have a significant effect on employee performance. Simultaneously, work discipline, education level, and incentives have a significant effect on employee performance. The R Square score in this study was 84.6%, this means that work discipline, education level, and incentives were able to affect employee performance by 84.6%, while the remaining 15.4% was influenced by other factors not included in the study

Pengaruh Capital Adequacy Ratio, Biaya Operasional Pendapatan Operasional, Return On Equity Dan Non Performing Loan terhadap Harga Sahamsub Sektor Perbankan yang masuk pada LQ-45 di Bursa Efek IndonesiaPeriode 2016 – 2020

This research aims to analyze fistly, how to analyze how the simultaneous influence of Capital Adequasi Ratio, Operating Expenses of Operating Income, Return on Equity and Non Performing Loan on Stock Prices on banks entered on the LQ-45 index during 2016 - 2020 . Secondly, how to analyze how the partially influence of Capital Adequasi Ratio, Operating Expenses of Operating Income, Return on Equity and Non Performing Loan on Stock Prices on banks entered on the LQ-45 index during 2016 – 2020. The research methodology is descriptive and quantitative analysis methods. Data used is secondary data. The population become object in this research is banking industry on Indonesia Stock Exchange period 2016 - 2020. Amount sample the used is the 5 (five) industry company and still stand up during period of perception and also publicized of year of 2016 - 2020 by Indonesian Stock Exchange. And the analysis multiple regression, hypotesis test so determinant coefficient F test and t test. The object of this research is banking industry on Indonesia Stock Exchange period 2016-2020. Sample of object is PT Bank Mandiri (Persero),Tbk (BMRI), PT Bank Negara Indonesia (Persero),Tbk (BBNI), PT Bank Rakyat Indonesia (Persero),Tbk (BBRI), PT Bank Tabungan Negara(Persero),Tbk (BBTN), PT Bank Central Asia,Tbk (BBCA). F test result, it is known that variabels Capital Adequasi Ratio, Operating Expenses of Operating Income, Return on Equity and Non Performing Loan simultaneously and significant effect on stock prices. Fcount bigger than Ftable (12.764 > 2.71) or comparing the not significant level of 0.05 then (0.000 < 0.05) then Ho is accepted and Ha rejected. Then multiple regression equations are Y = 1,145 + 4,123X1 - 0,013X2 - 1,178X3 - 1,721X4 + e. Based on the results of the t test, return on equity and non performing loan have significant effect on stock prices. Conclusion is the independent variable simultaneously have and significant effect on sotck prices and partially return on equity and non performing loan have significant effect on stock prices

Pengaruh Likuiditas, Kualitas Aset, Sensitivitas, Efisiensi Dan Profitabilitas Terhadap Permodalan Pada Bank Pemerintah

Capital Adequacy Ratio (CAR) is one of the indicator that used to measure thebank’s capital. The aims of this study are to investigate the effecs simultaneouslyand partially from Loan to Deposit Ratio (LDR), Investing Policy Ratio (IPR),Adverserly Classified Asset (APB), Non Performing Loan (NPL), Interest Rate Risk(IRR), Net Open Position (PDN), Operational Efficiency Ratio (BOPO), Fee BasedIncome Ratio (FBIR), Return On Asset (ROA) on CAR and which variable has thedominant effect on CAR. This study used secondary data taken from first periodquarterly of 2014 until the fourth quarterly of 2019 of government banks. This studyused sensus that consists PT Bank Mandiri Tbk, PT Bank Negara Indonesia Tbk,PT Bank Rakyat Indonesia Tbk, and PT Bank Tabungan Negara Tbk. The datawere processed by using SPSS 21. The result of this study revealed that LDR, IPR,APB, NPL, IRR, PDN, BOPO, FBIR, and ROA simultaneously have significanteffect on CAR. PDN and FBIR partially have significant effects on CAR. PDN isthe dominant variable that influences CAR.

STRATEGI PEMASARAN PADA BANK PEMERINTAH: STUDI KASUS PT. BANK MANDIRI Tbk. CABANG YOGYAKARTA TAHUN 2004

Marketing strategy as an important aspect to maintain and expand opportunities to reach the market. Studies that explore the Bank's internal marketing strategies have been examined by previous research but based on competitive banking dynamics and highly dynamic market demands it is difficult to predict, the study of marketing strategies in the context of the Bank's companies is considered to be relevant for review at any time.
 This article aims to analyze the marketing strategies available at PT Bank Mandiri, Tbk Yogyakarta branch 2004 with the SWOT analysis method. Data was obtained through interviews with the management of the Bank Mandiri Yogyakarta branch. The analytical tool used is the analysis of industrial structure (Porter), SWOT. The results of the study through a SWOT analysis of the position of PT. Bank Mandiri in its marketing strategy uses a growth strategy.

THE IMPACT OF INTRINSIC MOTIVATION, ORGANIZATIONAL CULTURE AND JOB SATISFATION ON EMPLOYEE PERFORMANCE AT HUMAN CAPITAL SERVICES GROUP (PT BANK MANDIRI)

The decrease in employee performance would derive in business results are being less than optimal is the beginning of a phenomenon which occurs in a company. This research has purpose to determine the impact of intrinsic motivation, organizational culture and job satisfaction towards employee performance at Human Capital Services Group (PT Bank Mandiri). The data analysis through multiple linear regression analysis. This type of research is included in quantitative. The sample subjects in this research were 65 employees of Human Capital Services Group (PT Bank Mandiri). The results from this multiple linear regression analysis partially indicate if the intrinsic motivation, organizational culture and job satisfaction had a significant impact on employee performance at Human Capital Services Group.

PENGARUH RISIKO KREDIT, RISIKO LIKUIDITAS, DAN RISIKO OPERASIONAL TERHADAP PROFITABILITAS BANK UMUM PERSERO PERIODE 2013-2020

This study aims to determine the effect of credit risk, liquidity risk and operational risk either partially or simultaneously on the profitability of state-owned commercial banks listed on the IDX for the period 2013-2020. The type of research method is associative. The samples used were 4 banking companies including PT Bank Rakyat Indonesia (Persero) Tbk, PT Bank Mandiri (Persero) Tbk, PT Bank Negara Indonesia (Persero) Tbk and PT Bank Tabungan Negara (Persero) Tbk. In this study, a sampling technique was used in the form of saturated sampling with secondary data in the form of the annual financial statements of state-owned commercial banks for the period 2013-2020 which were obtained through the official website of the Indonesia Stock Exchange www.idx.co.id. The analysis technique was carried out through multiple linear regression analysis and with SPPS 16 software as data processing. This study obtained the results that credit risk and liquidity risk partially have no significant effect on profitability, while operational risk partially has a negative and significant effect on profitability. Simultaneous results, namely credit risk, liquidity risk and operational risk have a significant effect on profitability.

Pengaruh Kualitas Pelayanan Dan Kepercayaan Terhadap Kepuasan Nasabah (Studi Kasus Pada PT Bank Mandiri (Persero) Tbk. Cabang Tambun Mangunjaya)

The purpose of this study was to determine the effect of Service Quality and Trust on Customer Satisfaction of PT Bank Mandiri (Persero) Tbk. KCP Tambun Mangunjaya. The sample of this research is the customer of Bank Mandiri Branch Tambun Mangunjaya. The sample used was 100 people using non-probability sampling technique with purposive sampling method. The results showed that partially the positive effect of the service quality variable on the customer satisfaction variable was β1 0.614 (sig 0.000) while the positive effect of the trust variable on the customer satisfaction variable was β2 0.400 (sig 0.028). The value of Adjusted R Square is 0.897, which means that 89.7% of service quality and trust affect customer satisfaction of PT Bank Mandiri (Persero) Tbk. KCP Tambun Mangunjaya and the remaining 10.3% were influenced by other factors not examined in this study.

Comparative Analysis of the Health of Government-Owned Banks (Persero) During the COVID 19 Period (Case Study at PT Bank Mandiri Tbk)

Bank Mandiri won the best Financial Services Super App at the CNBC Indonesia Awards 2021 during the covid 19 pandemic. This study is to determine whether there are differences in bank performance before and after the covid pandemic. The methodology used is the Wilcoxon difference test because the data are not normally distributed. The results of statistical analysis state that there is no difference in bank performance or health at Bank Mandiri between before and after the COVID-19 pandemic.

THE APPLICATION OF RISK MANAGEMENT TO MINIMIZE THE RISK OF BAD DEBTS IN PT. BANK MANDIRI

The important sector in economic growth in Indonesia is the banking sector. The banking sector is a community fund collection institution. Until now the existence of the banking sector has increased, it also makes there an increase in risk. This increase is characterized by the increasing distribution of public funds to the banking sector. Due to the large amount of these funds, as for the regulations issued by Bank Indonesia regarding the implementation of risk management for commercial banks with Bank Indonesia Circular Letter No.7/3DPNP dated January 31, 2015. This research aims to find out the application of risk management at PT Bank Mandiri. The type of research is descriptive research with a qualitative approach. The results of this study show that PT Bank Mandiri has implemented good risk management to minimize problem credit well in accordance with the provisions of Bank Indonesia and is able to maintain the average level of Non-Performing Loan (NPL), the NPL figure will show the percentage of problematic credit from all credits launched to the public.

Analysis of the Influence of Liquidity and Solvency on the Profitability of PT Bank Mandiri (Persero) Tbk

This study aims to analyze the effect of liquidity (LDR) and solvency (CAR) on profitability BOPO. This analysis uses the independent variables of liquidity, solvency. The independent variable is focused on LDR, CAR while the dependent variable is profitability, namely BOPO. The data used is secondary data originating from the annual financial statements of independent banks listed on the Indonesian stock exchange for the period 2010 to 2020. The data testing method uses the classical assumption test, multiple linear regression, coefficient of determination (R2), by testing the hypothesis test. t and f test. The results of the study using multiple linear regression with t-test showed that LDR had a t-count value of 2.520 with a significant level of 0.03 more than 0.05 or 5%. The CAR has a t-count of 5.170 with a significant level of 0.016 which is greater than 0.05 or 5%. Based on the results of the f (simultaneous) test, it shows that the calculated f value is 9.929 with a significant level of 0.023 which is smaller than 0.05 or 5%. Thus, LDR, CAR have a positive and significant effect on BOPO

The Phenomenon of Work-Family Conflict and Work Stress and Their Effect on Employee Performance

The purpose of this research is to examine work-family conflict, work stress, and employee performance, as well as to determine the impact of work-family conflict and work stress on employee performance at PT Bank Mandiri Taspen KCP Ujungberung during the COVID-19 pandemic. The research method used in this study is a survey method. Descriptive and verificative surveys are the type of study used in this research by using multiple regression analysis. The sample in this research was 30 respondents from PT Bank Mandiri Taspen Branch of Ujung Berung - Bandung. Determination of respondents was taken by using the non-probability sampling method with the saturated sampling technique. The data used are the primary results obtained from distributing questionnaires. According to the findings of this study, there is a high level of work-family conflict, a high level of work stress at the company, and a high level of employee performance. Hypothesis testing shows that work-family conflict partially doesn’t have a significant impact on employee performance, work stress partially doesn’t have a significant impact on employee performance, and simultaneously work-family conflict and work stress do not have a significant impact on employee performance at PT Bank Mandiri Taspen Branch of Ujung Berung – Bandung.