PT Bank Negara Indonesia Research Articles

The Effect Of Workload And Work Environment On Organizational Commitment (Study On Non-Permanent Employees Of Bni Branch Office Palembang)

This study was conducted with the aim of determining the influence of workload and work environment on organizational commitment to non-permanent employees of BNI Palembang branch office. The population used in this study is all non-permanent employees at PT Bank Negara Indonesia (Persero), Tbk Palembang Branch Office in 2024 as many as 108 employees. The number of respondents in this study is all non-permanent employees at PT Bank Negara Indonesia (Persero), Tbk Palembang Branch Office in 2024 as many as 108 employees spread across 16 Sub-Branch Offices and 1 Main Branch Office and all of them are the number of respondents in this study. The results of multiple linear regression analysis show that workload and work environment have a positive and significant effect on organizational commitment. Workload, is expected to provide time with appropriate working hours for employees. The work environment, it is expected that the company's management, especially the superiors at each branch office, will be more sensitive to the relationships established between fellow employees.

IMPLEMENTASI DAN PEMAHAMAN DOKUMEN KREDIT SALAH SATU BANK DI SURABAYA

PT Bank Negara Indonesia (Persero) Tbk or commonly abbreviated as BNI, is an Indonesian state-owned enterprise that provides various financial services. one part of finance is kredit administration, kredit administration is the process of managing and supervising the provision of kredit and monitoring payments from borrowers. in general, kredit administration includes the kredit assessment process, kredit granting decision-making, and risk management during the kredit period. The Kampus Merdeka Internship Regular Program is an activity carried out by the government from the Ministry of Education and Culture to provide space for students to gain experience in understanding the professional world and creating a professional workforce so that students are given the opportunity to help manage the Kredit administration process at.

The Influence of Experiential Learning, Social Learning, Formal Learning on Improving the Performance of PT Bank Negara Indonesia (Persero), Tbk Employees in the Central Sulawesi Area Region 11 Manado With Digital Mindset as an Intervening Variable

The aim of this research is to examine and analyze the influence of experiential learning on digital mindset, the influence of social learning on digital mindset, the influence of formal learning on digital mindset, the influence of experiential learning directly and indirectly through digital mindset on employee performance, the influence of social learning directly and indirectly through digital mindset on performance employees, the influence of formal learning directly and indirectly through digital mindset on employee performance, the influence of digital mindset on employee performance. This research is a descriptive type with a quantitative analysis method. The sample in this study was 163 employees from the Parigi, Palu, Luwuk and Tolitoli branch offices. The research instrument was tested using validity tests and reliability tests, while the data analysis technique used descriptive analysis, regression analysis and path analysis which were arranged in structural equation modeling (SEM) using the smart PLS application. The research results showthat; 1) experiential learning has a significant effect on digital mindset; 2) Social learning has a significant effect on digital mindset. 3) formal learning has a significant effect on digital mindset; 4) experiential learning directly has a significant effect on performance and experiential learning indirectly through digital mindset has a significant effect on performance; 5) social learning has a significant effect on performance and social learning indirectly through digital mindset has a significant effect on performance, 6) formal learning has no significant effect on performance and formal learning indirectly through digital mindset has a significant effect on performance; 7) digital mindset has a significant effect on performance.

An examination of PT Bank Negara Indonesia Tbk's capital structure for the years 2014–2022 with respect to profitability, asset structure, company size, and growth opportunities

The aim of this study is to investigate the relationship between the capital structure (debt to equity ratio, or DER) of PT Bank Negara Indonesia Tbk (BNI) and its expansion potential (sales growth), firm size (size), asset structure, and profitability (return on assets, or ROA). The period covered by this investigation is 2014–2022. Secondary information from financial reports accessible at www.idnfinancials.com, www.bni.co.id, and www.idx.co.id on the internet. The method used is multiple regression analysis, where profitability, asset structure, business size, and growth prospects are the independent components and capital structure is the dependent variable. The classic assumption test includes the following criteria: autocorrelation, heteroscedasticity, multicollinearity, and normality. To assess the hypothesis, multiple regression analysis and the partial test (t-test) are then employed. The findings show that capital structure is significantly and negatively impacted by profitability, as shown by the values of tcount> ttable (-37.203 > 2.028); capital structure is significantly and negatively impacted by asset structure (-50.337 > 2.028); capital structure is significantly and positively impacted by company size (1. 808E-009 > 2.028); and capital structure is positively and significantly impacted by growth opportunity (3.195 > 2.028). In addition, there is a R Square value of 79.8% and a value of Fcount> Ftable (30.695 > 2.48).

Analisis Penerapan PSAK 24 Mengenai Imbalan Pasca Kerja Pada PT Bank Negara Indonesia (Persero) Tbk

This research was conducted at a state-owned enterprise (SOE) operating in the financial sector, specifically in banking, namely PT Bank Negara Indonesia (Persero) Tbk, commonly referred to as BNI. The aim of this study is to examine the presentation and reporting of the implementation of PSAK 24 employee benefits, particularly post-employment benefits at PT Bank Negara Indonesia Tbk. The data used in this research is entirely secondary data, and the analytical technique employed is a descriptive quantitative method. The data used in this study includes the financial statements of PT Bank Negara Indonesia Tbk for the period 2020-2022. The data was collected from PT Bank Negara Indonesia Tbk and the official website of PT Bank Negara Indonesia Tbk. The results of the research at PT Bank Negara Indonesia Tbk indicate that the presentation and reporting of employee benefits are in accordance with PSAK 24. The employee benefits of PT Bank Negara Indonesia Tbk are recorded in the income statement, and in the statement of financial position, they are recorded as a liability account for employee benefits. The differences in the gains (losses) of employee benefits are recorded in the comprehensive income statement.

The Influence of Service Quality and System Quality on Branchless Banking Agent Loyalty Mediated by Satisfaction at PT Bank Negara Indonesia (Persero), Tbk in the Work Area of Regional Office 12

This research was conducted to analyze and study the influence of the Brancless Banking business on PT Bank Negara Indonesia (Persero), Tbk. In the Regional Office 12 Work Area which consists of service quality and system quality on satisfaction and its impact on agent loyalty. The research method used is quantitative research with data analysis techniques using SEM PLS. The research results show that partially or directly (direct effect) everything has a positive and significant influence, namely service quality has an influence on loyalty, system quality has an influence on loyalty, satisfaction has an influence on loyalty, service quality has an influence on satisfaction, and system quality has an influence on satisfaction. Indirectly, satisfaction can mediate significantly positively between service quality and loyalty and satisfaction can mediate significantly positively between system quality and loyalty.

Analysis of Profitability Ratios and Solvency Ratios on Financial Performance at PT Bank Negara Indonesia Tbk Listed on the Indonesia Stock Exchange (BEI) 2018-2022

Financial performance is one of the important factors in assessing a company's success, especially for public companies. PT Bank Negara Indonesia Tbk is one of the registered banking companies in the Indonesia Stock Exchange and has significant financial performance in the capital market. This study aims to analyze the profitability ratios and solvency ratios on the financial performance of PT Bank Negara Indonesia Tbk that is listed on the Indonesia Stock Exchange (BEI) for the period of 2018-2022. The data used in this research are the financial statements of PT Bank Negara Indonesia Tbk for the same period. The analysis methods that are used in this study are quantitative analysis. The research findings show that the profitability ratios, consisting of Return on Assets (ROA), Profit Margin, and Return on Equity (ROE), have a positive and significant effect on the financial performance of PT Bank Negara Indonesia Tbk. Meanwhile, the solvency ratios, consisting of Debt to Assets Ratio (DAR), Debt to Equity Ratio (DER), and Interest Coverage Ratio (ICR), have a negative and significant effect on financial performance. Based on the results, it can be concluded that PT Bank Negara Indonesia Tbk needs to pay attention to the profitability ratios and solvency ratios in maintaining its good financial performance. In terms of this, the company needs to maximize the use of its assets to increase its profitability and reduce its dependency on debt financing sources to uphold its healthy solvency.

The Role of Professional Ethics, Independence, and Work Experience in Auditor Performance

The objective of this study is to examine the impact of professional ethics, independence, and work experience on the performance of auditors at Regional Office 2 of PT Bank Negara Indonesia (Persero) Tbk in West Sumatra, Riau, and Riau Islands. This research is quantitative research with the intention to test models that reveal the relationship between research constructs, namely professional ethics, independence, work experience, and auditor performance. Interviews and questionnaires distributed to bank auditors using complete sampling approaches were utilized to gather data for this study. The employed analytical technique is multiple linear regression. Those findings demonstrated that (1) There is a relationship between professional ethics and auditor performance that is both good and significant; (2) Independence has a positive and significant influence on auditor performance; (3) A favorable and considerable influence on auditor performance is exerted by the auditor's previous work experience; and (4) Professional ethics, independence, and work experience together have a significant influence on auditor performance. This study has a number of implications is the importance of maintaining professional ethics, independence, and improving auditors' work experience to improve the quality of performance in conducting audits

Portfolio Performance Analysis Using the Treynor Model in the Early Period of the Covid-19 Pandemic

This study aims to determine portfolio performance using the Treynor model for companies listed on IDX30 in the early period of the COVID-19 pandemic (February-July 2020). This research method is a quantitative descriptive method which in this study tries to analyze, describe and explain the performance of a stock portfolio using the Treynor method in companies listed on IDX30-BEI. The sampling method was purposive sampling method in order to obtain 5 issuers, namely PT. Aneka Tambang Tbk, PT Bank Negara Indonesia Tbk, PT. Erajaya Swasembada Tbk, PT. Indofood Sukses Makmur Tbk and PT. Kalbe Farma Tbk. The results showed that the beta portfolio or the highest investment risk was found in the portfolio composition 22. The lowest risk was in the portfolio composition 12. The highest rate of return in portfolio composition is 28. The lowest rate of return is portfolio 16. Optimal portfolio performance using the Treynor method is found in the 18th portfolio.

Pengaruh Loan To Deposit Ratio (LDR) Dan Non Perfoming Loan (NPL) Terhadap Harga Saham Pada PT Bank Negara Indonesia (Persero) Tbk Periode 2013-2022

This research aims to determine the effect of Loan to Deposit Ratio (LDR) and Non-Performing Loans (NPL) on stock at PT Bank Negara Indonesia (BNI) Tbk for 2013-2022. This research uses 2 (two) independent variables That is Loan to Deposit Ratio (LDR) and Non Performing Loan (NPL) and 1 (one) dependent variable stock's price. This research is using quantitative methods, data analysis uses descriptive statistical techniques, classical assumption tests, multiple linear regression, hypothesis testing and coefficient of determination. Data processing uses SPPS 26 software. Based on test results on variables with 10 years of data. The Multiple Linear Regression Test Equation is Y = 19,248.185 – 106.314X1 – 1,563.302X2. In the coefficient of determination test, it was found that the influence of LDR and NPL on share prices was 10%, while the remaining 90% was influenced by other factors. Based on the results of the t test, tcount for LDR was 0.612 < ttable 2.365 and the value of Sig. 0.560 > 0.05 means that there is no partial significant influence between LDR on share prices. and NPL tcount of 0.872 < ttable 2.365 and Sig value. 0.412 > 0.05, which means that there is no partial significant influence between NPL on share prices. In the simultaneous test the LDR and NPL variables do not have a significant effect on share prices with Fcount being smaller than Ftable (0.693 < 4.74).

Pengaruh Biaya Operasional Terhadap Pendapatan Operasional (BOPO) Dan Net Interest Margin (NIM) Terhadap Return On Assets (ROA) Pada PT Bank Negara Indonesia Tbk 2012-2021

This research was conducted with the aim of determining the effect of operational costs on operating income (BOPO) on return on assets (ROA) at PT Bank Negara Indonesia Tbk, the effect of net interest margin (NIM) on return on assets (ROA) at PT Bank Negara Indonesia Tbk and The Influence of Operational Costs on Operating Income (BOPO) and Net Interest Margin (NIM) on Return on Assets (ROA) at PT Bank Negara Indonesia Tbk. The type of research used in this research is quantitative descriptive. The population used is the financial report of PT Bank BNI and the sample is the financial report of PT Bank BNI which has been audited for the period 2012-2021. The data analysis used is the classic assumption test, linear regression test and hypothesis test. The results of multiple linear regression obtained the equation ROA = 7.163 - 0.091BOPO + 0.382NIM. The research results show that partially BOPO has a significant effect on ROA with a sig value of 0.04 < 0.05 and a tcount value of 9.413 > ttable > 2.364). NIM has a significant effect on ROA with a sig value of 0.009 < 0.05 and a t value of 3.557 > t table 2.364. BOPO and NIM simultaneously influence ROA with a Fcount value of 130.673 > Ftable 4.74 and a significance value of 0.000 < 0.05.

THE EFFECT OF BANK RISK ON FINANCIAL PERFORMANCE (CASE STUDY PT BANK NEGARA INDONESIA, TBK PERIOD 2018 - 2022)

One of the bank financial performance is influenced by bank risk factors. This study aims to determine the effect of banking risk analyzed from credit risk (NPL), market risk (NIM), liquidity risk (LDR) and operational risk (BOPO) on financial performance (ROA) and (ROE) at PT Bank Negara Indonesia, Tbk for the period 2018-2022. The analysis method used is descriptive analysis with a quantitative approach. Hypothesis testing is carried out using the SPSS22 data processing application, to carry out the classical assumption test, multiple linear regression test, correlation test (R), determination coefficient test (R2), partial significance test (t test) and simultaneous significance test (F test). The results showed that partially NPL had no effect on ROA and ROE; NIM had a significant positive effect on ROA and ROE; LDR had a significant positive effect on ROA and ROE; BOPO had no effect on ROA and ROE of PT Bank Negara Indonesia, Tbk for the period 2018-2022. The results also show that NPL, NIM, LDR and BOPO simultaneously have a significant positive effect on ROA and ROE of PT Bank Negara Indonesia, Tbk for the period 2018-2022.

THE INFLUENCE OF ORGANIZATIONAL CULTURE AND JOB SATISFACTION ON EMPLOYEE PERFORMANCE

THE INFLUENCE OF ORGANIZATIONAL CULTURE AND JOB SATISFACTION ON EMPLOYEE PERFORMANCE

Financial Ratio Analysis of PT Bank Negara Indonesia (Persero) Tbk Year 2018-2022

The aim of this research is to determine the liquidity, solvency and profitability ratios at PT Bank Negara Indonesia (Persero) Tbk for the 2018-2022 period. This research uses quantitative methods with a descriptive approach. The results of the discussion in this research are that with liquidity ratios consisting of Quick Ratio, Banking Ratio, Loan to Assets Ratio, and Loan to Deposit Ratio, it can be seen that financial conditions change each period, namely the amount of loans given is less than the amount of money saved by customers. Based on an analysis of the solvency ratio at PT Bank Negara Indonesia (Persero) Tbk for the 2018-2022 period, it shows that the primary ratio and capital adequacy ratio tend to increase, making it easier for the bank to manage losses that occur in each period. PT Bank Negara Indonesia (Persero) Tbk's profitability ratio tends to vary due to declines and increases. However, in the 2020 period the level of health tends to be poor based on the ROA and ROE values ??because it has not been able to generate profits from the capital it has. It can be concluded that from all the liquidity, solvency and profitability ratio analyzes that have been carried out, it can be seen that the financial performance of PT Bank Negara Indonesia (Persero) Tbk for the 2018-2022 period has increased quite significantly.

Analisis Teknikal Dan Analisis Fundamental Terhadap Kelayakan Pembelian Saham PT Bank Negara Indonesiaia Tbk (BBNI)

The decision on the feasibility of purchasing a share is an indicator or criterion that is considered before finally deciding to invest or invest in the issuer. Researchers conducted technical analysis and fundamental analysis of PT Bank Negara Indonesia, Tbk. (BBNI) shares to find out whether the issuer's shares are suitable as issuers for investing or just for trading. Technical analysis and fundamental analysis are performed to see opportunity whether the shares are worthy of stock investment or not. Technical analysis is carried out using the simple moving average (SMA) and RSI methods. In addition, fundamental analysis is also carried out with several indicators such as price book value (PBV), price earning ratio (PER), debt equity ratio (DER), net probability margin (NPM), and earnings per share (EPS). In this study, the approach taken is a qualitative descriptive approach where data is presented in the form of narratives or detailed elaboration from experts. PT Bank Negara Indonesia (BBNI) shares are the oldest bank stocks that have a large market capitalization. This stock can also be said to have a relatively stable level of price fluctuation with a high level of profit and price. In terms of technical analysis and fundamental analysis, PT Bank Negara Indonesia (BBNI) shares are stocks that deserve to be an investment choice.

PENGARUH PENGENDALIAN INTERNAL, INTEGRITAS KARYAWAN DAN KOMITMEN ORGANISASI TERHADAP PENCEGAHAN KECURANGAN

This research aims to determine the influence of Internal Control, Employee Integrity, and Organizational Commitment on Fraud Prevention within PT Bank Negara Indonesia Tbk. Jakarta City area. The data for this research were 114 employees from PT Bank Negara Indonesia Tbk. Jakarta City area. This research method is a quantitative research method with primary data obtained from questionnaire data which is measured using an interval scale. The data analysis technique in this research uses multiple linear regression analysis. The results of this research show that Internal Control has no effect on fraud prevention, employee integrity has a positive effect on fraud prevention, Organizational Commitment has a positive effect on fraud prevention.

FITUR-FITUR APLIKASI ELEKTRONIK MOBILE BANKING UNTUK KEPERLUAN PENGUNAAN AKTIVASI PERBANKAN PADA PT. BANK NEGARA INDONESIA (PERSERO) TBK

PT Bank Negara Indonesia (Persero) Tbk is one of the largest state-owned banks that has proven to survive in banking in Indonesia since 1946. Mobile banking services offered by Bank BNI are currently limited to banking activities such as balance information, transfers, payments, etc. In the customer aspect, should be noted that m-banking services must be fast, easy to use, accurate, low cost, and guarantee confidentiality and support transaction services between other banks. The purpose of this study is to obtain an overview related to the savings products owned by Bank BNI Tbk and the features owned by Bank BNI mobile banking to facilitate services to Bank BNI customers. The research method used is a qualitative method with a descriptive approach using secondary data collected through literature studies. The results showed that the Bank BNI mobile banking application provides seven features to provide fifty-six types of services and twelve savings products for Bank BNI customers.

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.

Analysis of Work Experience, Emotional Issues, and Training on Employee Employment Ability at PT Bank Negara Indonesia (Persero) Tbk Branch Office Rantau Prapat North Sumatra

This study aims to find out how the influence of Work Experience (X1), Emotional Issues (X2), and Training (X3) on the Work Ability (Y) Employees at PT Bank Negara Indonesia (Persero) Tbk Office Branch Rantau Prapat North Sumatera. The population in this study is the entire Employee at PT Bank Negara Indonesia (Persero) Tbk Office Branch Rantau Prapat North Sumatera which has 50 permanent employees. The sample was taken as a population of 49 respondents not including the head of the Branch. The research was conducted from April to June 2023. This study uses quantitative data processed with SPSS version 20.0 with a dual linear regression model. The results of the study showed that Work Experience had a positive and significant impact on the employability of PT Bank Negara Indonesia (Persero) Tbk Office Branch Rantau Prapat North Sumatera. Based on the result of 7,345 while the table was 2,012 and significant of 0,000, so that the number of 7,335> tables 2,012 is significant and significant 0,000< 0,05. Emotional issues have a positive impact and significant effect on the employment capacity of PT Bank Negara Indonesia (Persero) Tbk Office Branch Rantau Prapat North Sumatera. Work experience, emotional issues, and training have a positive and significant impact on the employability of employees at PT Bank Negara Indonesia (Persero) Tbk Office Branch Rantau Prapat North Sumatera. Based on the result, F is larger than the Ftable, because 25,578 is bigger than 2,81

PENGARUH RETURN ON ASSET (ROA), RETURN 0N EQUITY (ROE), DAN EARNING PER SHARE (EPS) TERHADAP HARGA SAHAM PADA PT BANK NEGARA INDONESIA (PERSERO) Tbk PERIODE 2012-2021

This study aims to determine the effect of Return On Asset (ROA), Return On Equity (ROE), and earnings per Share (EPS) on Stock Price. The data used in this study are associative Quantitative data. The type of data used in this study is secondary data obtained from financial statements published in the financial statements and annual reports of banking companies listed on the Indonesia Stock Exchange through the official website of PT Bank Negara Indonesia Persero Tbk for the 2012-2021 period, and www.idx.co.id, www.idn.financial.com. Data collection techniques in this study used documentation techniques. Data analysis techniques use descriptive statistical tests, classical assumption tests, multiple linear regression and hypothesis tests, namely f test, t test and coefficient of determination test (R2) with Eviews 10 tools. The results showed that simultaneously (F test) all variables ROA, ROE and EPS had a significant effect on stock prices as evidenced by the prob (F-statistical) value of 0.000031 < 0.05. And the partial sacra (t test) of the ROA variable has a significant effect on the stock price as evidenced by a significance value smaller than 0.05, namely 0.0004 < 0.05 and the ROE variable has a significant effect on the stock price with a significance value of 0.0002 < 0.05 as well as the EPS variable showing a significant effect on the stock price with a significance result of 0.0189 < 0.05.