PT Bank Rakyat Research Articles

The Effect of Competence, Work Experience, and Internal Control Auditor's on Audit Quality (Case Study on Internal Auditors of PT Bank Rakyat Indonesia (BRI) Tbk)

The Effect of Competence, Work Experience, and Internal Control Auditor's on Audit Quality (Case Study on Internal Auditors of PT Bank Rakyat Indonesia (BRI) Tbk)

PENGARUH TEKNOLOGI INFORMASI, KEAHLIAN PEMAKAI DAN INTENSITAS PEMAKAIAN TERHADAP KUALITAS INFORMASI AKUNTANSI PADA PT. BANK RAKYAT INDONESIA (PERSERO), TBK MAKASSAR

This research is using quantitative study aimed to see the influence of information technologi use, user expertise, and the intensity of usage on the quality of accounting information. The population of this study was PT Bank Rakyat Indonesia (Persero), Tbk, Makassar Branch. The selection of the sample with total sampling methods. The data used in this study of primary data. Data analysis techniques using multiple regression analysis. The results of this study indicate that information technologi use, user expertise, and the intensity of usage have a positive effect and significant on quality of accounting information. Keyword: Information Technologi Use, User Expertise, The Intensity Of Usage, and Quality Of Accounting Information

PENILAIAN TINGKAT KESEHATAN BANK DAN PERUBAHAN HARGA SAHAM PT BANK RAKYAT INDONESIA AGRONIAGA TBK

Assessment of Bank Soundness Level and Changes in Share Price of PT Bank Rakyat Indonesia Agroniaga Tbk. A bank soundness assessment that stakeholders must know is critical, maximizing the intermediary institution's function to provide a paradigm in making investment decisions. In 2011, bank health was assessed using the RGEC component. The research years ranged from 2011 to 2019 through the public offering of PT Bank Rakyat Indonesia Agroniaga Tbk. shares on the Indonesia Stock Exchange. Researchers used a descriptive method with a quantitative case study design. This component is interesting for research to determine the effect of assessing RGEC component bank's soundness level on changes in stock prices scientifically. This indicator affects the independent variable Risk Profile, GCG, Earnings, Capital and has a positive and significant effect on the dependent variable on changes in share prices at PT BRI Agnoniaga Tbk. in 2011-2019.

The Effect of Retaliation, Legal Protection, and Financial Incentive on Whistle-Blowing Intention with Organizational Commitment as Moderating Variable

The study aims to empirically examine the variables relationship and the effect of retaliation, legal protection, financial incentives, on whistle-blowing intention with organizational commitment as moderating variable. Questionnaires were distributed to collect data from the employees of banks classified in Book IV, namely PT Bank Rakyat Indonesia Tbk., PT Bank Mandiri Tbk., PT Bank Negara Indonesia Tbk., PT Bank Central Asia Tbk., PT Bank CIMB Niaga Tbk., and PT Bank Panin Tbk. They occupied various position levels and the number of respondents reached 190 persons. Subsequently. The questionnaires were then analyzed using SEM (Structural Equation Modeling) and processed using the software SmartPLS Version 3.2.9. Based on the analysis results, it shows that retaliation variable has a negative effect on whistle-blowing intention, while legal protection, financial incentives, and organizational commitment have a positive effect on whistle-blowing intention. Organizational commitment can have a positive effect on legal protection and financial incentives on whistle-blowing intentions, while organizational commitment is unable to show a negative effect on whistle-blowing intention.

Pengaruh Penyaluran Kredit Usaha Pedesaan dan Peran Kredit Usaha Rakyat Terhadap Perkembangan UMKM Pada PT Bank Rakyat Indonesia (PERSERO),Tbk. Unit Jati Mulyo

This study aims to determine the effect of rural business credit, people’s business credit against the development of UMKM at PT Bank People Indonesian (Persero),Tbk. Mulyo Teak Unit. The data used in this report are primary data namely data obtained directly from the source, spread to respondents. Rural business loan customer 50 people, people’s business credit customers 50 people at PT Bank Rakyat Indonesian (Persero),Tbk. Unit Jati Mulyo. The results in this study indicate that influence rural business credit significantly positive influence on the development of UMKM this can be seen from the results of the t test results of significance value are 0,000 0,05 with t count 8,139 ttable 1,984, the effect of people’s business credit significantly positive influence on the development of UMKM this can be seen from the results of the t with the significance is 0,001 0,05 from the fcalculated value 3,524 ttable 1,984, the influence rural business credit, people business credit against the development of UMKM this can be seen from the test results test f as big 0,000b 0,05 from the fcalculated value 144,043 ftable 3.09. Thus it can be concluded that the variable of rural business credit distribution for, people’s business credit simultaneously has a significant effect o the development of UMKM Keyword: rural business credit, people’s business credit, the development of UMKM

Perlindungan Nasabah Bank Terhadap Tindakan Phishing Studi Pada PT Bank Rakyat Indonesia (Persero) Tbk

Penelitian ini bertujuan untuk mengetahui perlindungan yang diberikan oleh PT Bank Rakyat Indonesia (Persero) Tbk, yang dikenal dengan Bank BRI terhadap nasabahnya dari tindakan kejahatan phishing. Penelitian ini menjelaskan dasar dari adanya tanggung jawab bank untuk melindungi nasabahnya dari tindakan phishing, berbagai regulasi mengenai perlindungan nasabah dari tindakan phishing di Indonesia, dan bagaimana implementasi Bank BRI dalam melindungi nasabahnya dari tindakan phishing, baik secara preventif dan represif. Metode Penelitian ini menggunakan pendekatan perundang-undangan (statue approach) dengan menggunakan Undang-Undang Nomor 10 Tahun 1998 tentang Perubahan Atas Undang-Undang Nomor 7 Tahun 1992 tentang Perbankan dan menggunakan pendekatan konsep (conceptual approach) yang digunakan untuk mengetahui bentuk perlindungan yang ideal terhadap nasabah bank dari tindakan phishing. Penelitian ini membuktikan bahwa upaya perlindungan terhadap nasabah di Bank BRI dari tindakan phishing dapat terwujud jika nasabah sadar akan hak dan kewajibannya, kemudian Bank BRI lebih aktif dalam memberikan edukasi kepada nasabahnya. Upaya yang dilakukan bank BRI dalam melindungi nasabah nya dari tindakan phishing secara preventing adalah memberikan edukasi, menerapkan manajemen risiko, serta memperkuat sistem teknologi informasinya. Sedangkan dalam bentuk represif adalah menerima pengaduan dalam menyelesaikan pengaduan tersebut dalam kurun waktu sebagaimana tercantum dalam undang-undang. Apabila terbukti tindakan phishing karena kesalahan BRI, maka nasabah berhak memperoleh pertanggung jawaban berupa pengembalian uang.Kata Kunci : E-Banking, Phishing, Perlindungan Hukum

PENGARUH PENERAPAN CORPORATE SOCIAL RESPONSIBILITY (CSR), CORPORATE IMAGE, DAN KEPUTUSAN NASABAH TERHADAP LOYALITAS NASABAH

This study aims to examine the influence of corporate social responsibility (CSR) implementation, corporate image, and customer satisfaction, on customer loyalty. Variables independent were used inthis study namely Corporate Social Responsibility (CSR), corporate image, and customer satisfaction., as well as one dependent variable of customer loyalty. Customers of PT Bank Rakyat Indonesia Jayapura are used as the population in this study. The convenience sampling with a sample of 30 respondents is the technique of sampling method in thisstudy. This study uses a double linear regression analysis to analyses data. The analysis tool used is SPSS version 23. The results of this research demonstrate the implementation of Corporate Social Responsibility (CSR) has positively and significantly affects customer loyalty. Corporate Image has a positive and significant impact on customer loyalty. And customer satisfaction has a positive but does nosignificant impact on customer loyalty.

ANALISIS PENGARUH PERSEPSI MANFAAT, PERSEPSI KEMUDAHAN, DAN KEAMANAN TERHADAP MINAT NASABAH MENGGUNAKAN MOBILE BANKING (Studi Kasus pada PT Bank Rakyat Indonesia (Persero) Tbk Kantor Cabang Semarang Pandanaran)

<p>This research is motivated by the phenomenon of competition in the banking industry in increasing customers interest in using mobile banking. This research aims to analyze the perceived usefulness, perceived ease of use, and security on the interest in using mobile banking at the PT Bank Rakyat Indonesia (Persero) Tbk Branch Office Semarang Pandanaran.<br />The purpose of this study is to describe and analyze the influence customer perceptions of the interest in using mobile banking. This research uses explanatory (explanation) with a quantitative approach, in which customers of Bank Rakyat Indonesia (BRI) branch Semarang Pandanaran as a population, whereas samples taken by 100 respondents were determined by specific criteria. Research results with the t test showed that the variable perceived of usefulness, perceived ease of use and security separately (partial) significantly affects the interest in using mobile banking. Test results also showed that the variables of perceived usefulness, perceived ease of <br />use, and security jointly (simultaneously) significantly affects the interest in using mobile banking. The magnitude of the effect of variable perception of usefulness, perceived ease of use, and security against the interest in using mobile banking is equal to 76.5%, while the rest influenced by other variables that are not addressed in this study.</p>

ANALISIS PENGARUH DIMENSI PELAYANAN PRIMA TERHADAP KEPUASAN NASABAH TABUNGAN BRI KANTOR CABANG KENDAL

<p class="Normal1"><em>This study aims to determine the dimensions of service excellence consists of ability, attitude, appearance, attention, action, and accountability toward Customer Satisfaction Savings at PT Bank Rakyat Indonesia (Persero) Tbk.</em><em> </em><em>Branch Office Kendal</em><em>.</em></p><p class="Normal1"><em>Testing method of data that used in this study was to test the validity, reliability test, normality test, multicoloniarity, test heteroskedastisitas, autocorrelation test, test analysis linear multiple, F test, t test, and test the coefficient of determination (R<sup>2</sup>) which shows the can used to measure customer satisfaction savings.</em></p><em>Multiple linear regression method yields customer satisfaction equation = -0,937 + 0,346Ability + 0.226Attitude + 0.179Appearance + 0.207Attention + 0,381Action + 0,294Accountability + e. In F test, it is found that the dimensions of service excellence Ability, Attitude, Appearance, Attention, Action, and</em> <em>Accountability</em><em> simultaneously have significant influence to Customer Satisfaction Savings at PT Bank Rakyat Indonesia (Persero) Tbk. Branch Office Kendal. The result of t test is influence Ability, Attitude, Appearance, Attention Action, and</em> <em>Accountability</em><em> have significant influence to Customer Satisfaction Savings at PT Bank Rakyat Indonesia (Persero) Tbk. Branch Office Kendal.</em>

ANALISIS PENGARUH CITRA MEREK, BUKTI FISIK, KEHANDALAN, DAN JASA PORTOFOLIO TERHADAP KEPUASAN NASABAH TABUNGAN SIMPEDES PADA PT BANK RAKYAT INDONESIA (PERSERO), Tbk KANTOR CABANG KUDUS

<em>The study aimed to analyze the influence of brand image, tangible, reliability, and service portofolio on the customer satisfaction of Simpedes saving at PT Bank Rakyat Indonesia (Persero) Tbk. Kudus Branch Office. Data collection method used purposive sampling technique, with samples from 100 respondents. The analysis model used in this research is Linear Regression Analysis Model while the data analysis techniques using the F test, t test and the coefficient of determination (R<sup>2</sup>). In addition, it also tests the quality of the data in the form of test validity and reliability, as well as a classical assumption test normality test, multicollinearity, heteroscedasticity test and autocorrelation test. Test data indicate that the data is valid and reliable and free from irregularities classical assumptions. The analysis and discussion showed that brand image, tangible, reliability, and service portofolio simulataniously significant influence on the customer satisfaction of Simpedes saving in PT Bank Rakyat Indonesia (Persero), Tbk Branch Office Kudus. Variable brand image, tangible, reliability, and service portofolio partially significant influence customer satisfaction of Simpedes saving in PT Bank Rakyat Indonesia (Persero), Tbk Branch Office Kudus.</em>

Analisis Keterlibatan Dan Keamanan Kerja Terhadap Intensi Turnover Karyawan Outsourcing Millenial Melalui Kepuasan Kerja (Studi Empiris Pada Divisi Sentra Operasi (STO) Kantor Pusat PT Bank Rakyat Indonesia Tbk.)

This paper is to answer the relationship between work attachment and job security to turnover intentions that are intervened by job satisfaction at the Operations Center Division of PT Bank Rakyat Indonesia Headquarters. The purpose of this study was to examine and analyze the relationship between work engagement and job security on turnover intentions intervened by job satisfaction. This type of research is quantitative research with data analysis Structural Equation Modeling (SEM) with data processing using SmartPLS 3.0. The population in this study were 175 employees with a sample of 75 respondents using random sampling techniques. The result of this study is that there is no insignificant negative influence between job involvement and job satisfaction on turnover intention. However, there is a negative and significant influence between job security on turnover intention. In addition, job involvement and job security have a positive and significant effect on job satisfaction.

Analisis Penilaian Tingkat Kesehatan Bank dengan Metode RGEC Pada PT Bank BRI Syariah (Persero) 2013-2018

The purpose of this research is to determine the influence of the four aspects of RGEC on the assessment of the bank's health level at PT Bank Rakyat Indonesia Syariah. This research uses RGEC method consisting of risk profile, good corporate governace, earning and capital. The sampling techniques in this study used saturated sample methods. And the sample used in this study is the financial statements of PT. Bank BRI Syariah from 2013 to 2018. As one of the sharia public banks in Indonesia, BRI Syariah Tbk bank must maintain the bank's health level in the following years in order to maintain public trust, customers and stake holders towards BRI Syariah Tbk bank. There are several assessment indicators in certain years that fluctuate, this needs to be considered so that in the following years the indicator is maintained stability so as not to adversely affect performance. PT Bank BRI Syariah Tbk also needs to lower operating costs from rank 5 which is unhealthy to rank 1 very healthy in order to maintain the company's performance by increasing profit, especially operating profit. PT Bank BRI Syariah Tbk also needs to lower the percentage rate of Earnings (Rentability) from unhealthy, unhealthy, healthy enough to be a healthy or very healthy rating, with the aim of ordering PT. Bank BRI Syariah Tbk has a higher profit.

An Analysis of the Effect Compensation towards Employee Performance and Work Satisfaction of Employees of PT. Bank Rakyat Indonesia tbk.

This study aims to determine the effect of compensation on employee performance and work satisfaction at PT. Bank Rakyat Indonesia Tbk., Makassar Branch.
 The analytical method used is path analysis. Samples in this study were all amounting to 90 permanent employees of the company of PT Bank Rakyat Indonesia ( Persero ) Makassar Branch Office, Then, the size of the samples that can represent the population to be examined was 83 respondents with the t-test as a research hypothesis test.
 Based on the results of the research which have been done, it can be known partially that the independent variables, namely compensation, has a positive effect on employee performance and job satisfaction, the research results also prove that there is a positive influence of compensation on job satisfaction and employee performance of the employees of PT.Bank Rakyat Indonesia Persero Makassar Branch Office.

The Effect of Profitability on Dividend Policy in Indonesian State-Owned Banks

This study is conducted to determine the effect of the profitability variable on dividend policy in Indonesian state-owned banks. The method used in this research is quantitative method using numerical data which are tested using panel data regression analysis. The population of this study is PT Bank Rakyat Indonesia (Persero) Tbk, PT Bank Negara Indonesia (Persero) Tbk, PT Bank Tabungan Negara (Persero) Tbk, and PT Bank Mandiri (Persero) Tbk, where the data samples are the financial statements for fiscal year 2011 through fiscal year 2019. The study result is the NPM (profitability) regression coefficient of -0.731653. This value indicates the negative direction on dividend policy. Moreover, the results of t-test obtain a significant level of 0.0409 which is smaller than 0.05 (level of significance). From these results, it can be concluded that profitability which is measured using net profit margin (NPM) has a negative but significant effect on dividend policy (DPR). This means that value of profitability which is measured by the net profit margin (NPM) is not the basis for the number of dividends that will be distributed by the company management to the shareholders.

THE INFLUENCE FROM FINANCIAL PERFORMANCE ON EARNING PER SHARE (EPS) WITH SOUNDNESS LEVEL OF BANKS AS INTERVENING VARIABLE AT BUKU IV BANKS CATEGORY IN INDONESIA

The purpose of this research was to analyze those influence of financial ratios towards earnings per share with soundness level of banks as an intervening variable based on risk-based bank rating method at BUKU IV Banks in Indonesia for the period of 2015-2019. The six banks are PT Bank Mandiri Tbk, PT Bank Rakyat Indonesia Tbk, PT Bank Negara Indonesia Tbk, PT Bank Central Asia Tbk, PT Bank CIMB Niaga Tbk and PT Bank Danamon Indonesia Tbk. This research used secondary data with quantitative approach. Data analysis technique used panel data regression by purposive sampling. The results showed that NPL & GCG had significant negative influence on soundness level of banks and NPL had significant negative impact on EPS. GCG had significant positive influence against EPS, and ROA & CAR did not have significant positive impact towards soundness level of banks & EPS, while soundness level of banks were not found to have significant negative affect to EPS, and soundness level of banks did not mediate NPL, GCG, ROA and CAR in affecting EPS

THE EFFECT OF WORK STRESS ON EMPLOYEE TURNOVER INTENTION IN PT BANK RAKYAT INDONESIA MAKASSAR BRANCH AHMAD YANI

This study aims to analyze and explain the effect of work stress on the employee turnover intention in PT Bank Rakyat Indonesia Makassar Branch Ahmad Yani. The hypothesis proposed in this study is that job stress has a positive effect on the employee turnover intention in PT Bank Rakyat Indonesia Makassar Branch Ahmad Yani. The population in this study were 243 employee of PT Bank Rakyat Indonesia Makassar Branch Ahmad Yani. However in this study, not whole the populations were being the research object, but only a part of the population. This study is expecting that the results obtained would describe the characteristic of the population itself. The sample in this study was determined based on the Slovin formula (Umar, 2008: 68), namely 71 employee. The data used are primary data and secondary data, data collection techniques are interviews, questionnaires, and observations. Data analysis used Regression Analysis, Partial Test (t test) and Classical Assumption Test consisting of the Normality Test, Heteroscedasticity Test and Multicolonierity Test. The results show that the hypothesis is rejected where the job stress variable has no effect on the turnover intention. H1 is rejected and H0 is accepted, meaning that the higher the level of employee work stress, would make lower turnover intention, on the contrary the lower level of employee work stress, makes higher turnover intention.

Causes and Strategies for Overcoming Work Stress (A Case Study on PT. Bank Rakyat Indonesia Tbk Tondano Branch Office)

This study aims to determine the factors that give rise to work stress on the employees of PT Bank Rakyat Indonesia Tondano Branch Office, and propose effective strategies to overcome it. This research applied qualitative methodology by interview, observation, and documentation for data collection. The data were analyzed using the Miles and Huberman model. The study was conducted in Tondano. The study findings indicate that work stress is attributable to several factors such as (a) conflicts with coworkers due to argumentations, (b) targeted and heavy workload, and (c), ill-adjusted work times. Therefore, the management's strategies to overcome it necessary to unveil are: (1) creating a flexible work atmosphere, (2) paying attention to employee's complaints, (3) encouraging employees by giving rewards, (4) making recreational program, (5) performing regular work rotations. Furthermore, the employees need to: (1) have short in-room break, (2) take a part in outdoor activities or enjoy hobbies on vacation, (3) improve quality work, (3) find suitable working partners able to create a cheerful atmosphere, and (4) improve quality work. The conclusion ends with a final comment that: (1) work conflict occurs when heated arguments arise among employees affecting their mental condition in carrying out their jobs, (2) excessive targeted workload makes them fall into depression since they are working around the clock, and (3) irregular working hours saps their energy since overmuch office hours lessens their family time.

THE EFFECT OF CHARACTER, CAPACITY, CAPITAL, COLLATERAL AND CONDITION OF ECONOMY ON GIVING CREDIT

This research was conducted by the authors at PT Bank Rakyat Indonesia (Persero) Tbk Kerumutan Unit and Tri Mulia Jaya Unit. The research took place for 4 ( four ) months. Conducting this research is to determine the effect of Character, Capacity, Capital, Collateral, and Condition of Economy simultaneously on the Provision of Credit at PT. Bank Rakyat Indonesia (Persero) Tbk Kerumutan Unit and Tri Mulia Jaya Unit.
 This study uses primary data, the authors conducted data processing using multiple linear regression which processed it using SPSS (statistical package for social science) version 21 to get the output to conclude the results of this study.
 From the results of the study, it can be concluded that simultaneously there is a significant influence between Character, Capacity, Capital, Collateral, and Condition of Economy on the Provision of Credit. When viewed from the summary model table, then r, which means the correlation coefficient, shows that Character, Capacity, Capital, Collateral, and Condition of Economy have a moderate relationship to the Provision of Credit.

ANALISIS TINGKAT UTILITAS SISTEM ANTRIAN MODEL M/M/S PADA PROSES TRANSAKSI DI PT BANK RAKYAT INDONESIA (PERSERO) TBK KANTOR CABANG SIDRAP UNIT PANGKAJENE

The objective of this research to analyze and find out the Utility Level of M / M / S Models in the Transaction Process at PT Bank Rakyat Indonesia (Persero) Tbk, Pangkajene Unit, Sidrap Branch Office. The technique of collecting data using observation, interviews, and documentation. In this study, the data analysis technique used is the M / M / S Model which has two or more service channels/systems available to serve the customers who come. The results show that the model of PT. Bank Rakyat Indonesia Persero Tbk Pangkajene Sidrap Branch Office Unit is a type of Multi-Channel - single Phase model by implementing queuing discipline namely FIFO.

Pengaruh Capital Adequacy Ratio, Return on Asset, Loan to Deposit Ratio dan Non Performing Loan Terhadap Laba Bersih pada Bank BUMN yang Terdaftar di Bursa Efek Indonesia Periode 2014 – 2018

This research aims to analyze the effect of simultaneous capital adequacy ratio, return on asset, loan to deposit ratio and non performing loan on the net profit of government public banks in Indonesia Stock Exchange. The effect of partial capital adequacy ratio, return on asset, loan to deposit ratio and non performing loan on the net profit of government public banks in Indonesia Stock Exchange. The research methodology is descriptive and quantitative analysis methods. Data used is secondary data. The population become object in this research is government public bank period of year of 2014-2018. Amount sample the used is the fourth (4) government public bank and still stand up during period of perception and also publicized of year of 2014-2018 by Indonesian Stock Exchange the analysis multiple regression, hypotesis test so determinant coefficient F test and t test. The object of this research is foreign exchange bank listed on the Stock Exchange Indonesia 2014-2018. The sampel in the receach is PT Bank Negara Indonesia,Tbk (BBNI), PT Bank Rakyat Indonesia,Tbk (BBRI), PT Bank Tabungan Negara,Tbk (BBTN), PT Bank Mandiri,Tbk (BMRI), Results of multiple regression equation is Y = 11,469 + 1,30X1 + 1,599X2 - 5,069X3 + 0,481X4 + e, F test result, it is known that capital adequacy ratio, return on asset, loan to deposit ratio and non performing loan simultaneously on the net profit. F count larger than F table (52,763 > 3,06) or comparing the significant level of 0.05 then (0.000 < 0.05) then Ho is rejected and Ha accepted. Based on the results of the t test capital adequacy ratio, return on asset and loan to deposit ratio have significant effect between the net profit (tcount> ttable).Conclusion is the capital adequacy ratio, return on asset, loan to deposit ratio and non performing loan simultaneously on the net profit.. While partially have variable capital adequacy ratio, return on asset and loan to deposit ratio have significant to net profit