PT Bank Rakyat Research Articles

Peran Customer Service dalam Meningkatkan Kualitas Pelayanan Nasabah PT. Bank Rakyat Indonesia (Persero) TBK Kantor Cabang Madiun

Achieving customer happiness necessitates the adoption of enhanced cutomer service. The present study examines how cutomer service might enhance cutomer servi satisfaction at the Madiun Branch Office of PT Bank Rakyat Indoensia (Persero)Tbk. For the intention of understanding how customer service contributes to the PT Bank Rakyat Indoensia (Persero)Tbk Madiun Branch Office’s improved customer service. Qualitative research with data gathering methods from libraries is the sort of study that’s is being done. The study’s findings show that PT Bank Rakyat Indoensia (Persero)Tbk Madiun Branch Officeis customer service is crusial to the provision of services to clients

Utilization of Digital Literacy in Increasing the Number of Customers Using Digital Saving

This study aims to explore the use of digital literacy in increasing the number of customers using digital saving services at PT Bank Rakyat Indonesia Parakan Branch Office. The focus of the research includes how digital literacy can increase the number of customers, the obstacles faced in the application of digital saving services, and the efforts made to optimize the application of these services. This type of research is descriptive qualitative research. The sampling technique used purposive sampling with a total of 10 informants consisting of BRI KC Parakan employees and several customers. Research instruments include in-depth interviews, observation, and documentation. The collected data were analyzed using thematic analysis method to identify the main themes that emerged from the data. The results showed that the implementation of digital literacy through social media, direct socialization, and education by customer service played a significant role in increasing customer understanding and trust in digital saving services. This study concludes that digital literacy plays an important role in increasing the number of customers using digital saving services at BRI KC Parakan. Technical barriers and lack of customer understanding are the main challenges in implementing this service. It is hoped that by implementing the suggestions that have been identified, BRI KC Parakan can further optimize the implementation of digital saving services in the future.

Enhancing Banking Services through Data-Driven ATM Placement Strategies: A Case Study of PT Bank Rakyat Indonesia

This research optimizes the placement strategy for new Automated Teller Machines (ATMs) at PT Bank Rakyat Indonesia (BRI). The study employs a data-driven methodology that integrates data preparation, clustering techniques, and coefficient calculations to identify the most suitable ATM locations. This approach goes beyond static models by incorporating customer behavior and transaction data. The methodology utilizes a two-pronged approach. The first phase assesses the potential of various districts for ATM placement, considering factors such as demographics, transaction patterns, and competitor presence. K-means clustering is then employed to prioritize districts with the highest potential for benefiting from additional ATMs. The second phase involves calculating coefficients by analyzing correlations between existing ATM distribution and district potential scores. This analysis provides data-driven recommendations for the optimal number of new ATMs in each district. By leveraging robust methodological framework, this research offers valuable insights for strategic decision-making and resource allocation. The proposed approach can enhance banking service accessibility across diverse regions, improve customer satisfaction, and contribute to the optimization of BRI's ATM network.

PERBANDINGAN METODE EXPONENTIAL GARCH (EGARCH) DAN GLOSTEN-JAGANNATHAN-RUNKLE GARCH (GJR-GARCH) PADA MODEL VOLATILITAS SAHAM TUNGGAL

Financial data, such as stock prices, usually have a tendency to fluctuate rapidly and create a heteroscedastic effect on the variance of residuals. The Covid-19 pandemic that occurred from 2020 to 2022 is one factor that can affect economic movements, especially in Indonesia, and has an impact on the volatility of financial data. The problem of heteroscedasticity can be addressed using the ARCH/GARCH model. However, this model has a weakness in capturing the asymmetry of volatility resulting from good news and bad news. Several models that can overcome the problem of volatility asymmetry are EGARCH and GJR-GARCH. The purpose of this thesis research is to determine the best volatility model using the daily stock price data of PT Bank Rakyat Indonesia (Persero) Tbk. covering the period from February 2020 to February 2023. The result of the asymmetric GARCH model suggests that the ARIMA(2,0,2) EGARCH(1,1) model has an AIC value of -4.8850, and the ARIMA(2,0,2) GJR-GARCH(1,1) model has an AIC value of -4.8907. Therefore, the model with the minimum AIC value, which is the ARIMA(2,0,2) GJR-GARCH(1,1) model, is considered the best model. Furthermore, this model exhibits very good forecast accuracy, as evaluated by the sMAPE value of 5,17%.

Enhancing Human Capital Management through DevOps Practices

In the current era of digital revolution, one of the main factors influencing an organization's performance is human resources. This is because HR is an important asset that determines the productivity and efficiency of organizational performance. This study's goal is to create and construct an integrated human resources application using the DevOps (Development and Operations) approach. The DevOps method is a collabo rative approach that combines the process of software development and operations in a sustainable, fast, and integrated manner. The human resources application developed in this research includes various important functions, including HR management, job grade promotion planning, employment contract termination notification, and promotion notification. This research also provides solutions to the problems experienced by the Palembang Region Office of PT Bank Rakyat Indonesia in human resource management. By using the DevOps method as a method of designing human capital applications, it is expected to increase employee efficiency and productivity through integrated and effective human resource management. The DevOps approach also allows organizations to respond quickly to changing needs and provide sustainable added value to the organization.

Pengaruh Earning Before Tax dan interest expense terhadap Net Income pada sektor Perbankan

The research was conducted to comprehensively determine the effect of interest expense and earnings before tax on net income. This study uses a quantitative descriptive approach, with a population of SOEs engaged in financial services represented by PT Bank Rakyat Indonesia (Persero) Tbk. from several banks in Indonesia. The sampling technique uses a probability sample with a purposive sampling method. In addition, the sample data from this company were 20 from the last five years of PT Bank Rakyat Indonesia (Persero) Tbk's financial reporting. which includes Q1, Q2, Q3, and Q4 (Audited). Data analysis using SmartPLS4 software with the study results showed that the interest expense variable significantly affects net income, and earnings before tax significantly affect net income. However, other factors affect the value of net income, which tends to increase, like pro forma profit. Thus H1, H2, and H3 are accepted, which means that there is a significant influence between interest expense, earnings before tax, and net income.

Comparative Analysis of Linear Regression, Decision Tree and Gradient Boosting for Predicting Stock Price of Bank Rakyat Indonesia

An investment is the placement of a current amount of funds in the hope of generating a profit in the future. There are several types of investments, including stocks, which are attractive options as they can bring a huge return to investors. However, rapidly fluctuating stock prices are influenced by various factors, such as company performance, interest rates, economic conditions, and government policies. In Indonesia, PT Bank Rakyat Indonesia Tbk (BBRI) had the largest profit among the 10 largest banks by the end of March 2024, with a profit of IDR 13.8 trillion. The higher the bank's return, the greater the investor's interest in purchasing the stock, influencing the stock price. The goal of stock price prediction is to forecast the stock's future price in order to increase investors' potential profits. Various methods, such as Linear Regression, Decision Tree, and Gradient Boosting, have been developed for stock price prediction. Comparative analysis is needed to determine the most accurate method in predicting the stock price of People's Bank of Indonesia, using Mean Absolute Error (MAE), Mean Absolute Percentage Error (MAPE), Root Mean Squared Error (RMSE), and R-squared metrics (R2). The analysis showed that Linear Regression achieved the highest accuracy with R2 of 0.96, MAE of 65.72 and RMSE of 86.74 compared to the Decision Tree and Gradient Boosting models.

VALUE AT RISK ESTIMATION FOR STOCK PORTFOLIO USING THE ARCHIMEDEAN COPULA APPROACH

Investment is one of the many ways to achieve future profits. One form of investment that is widely made is stocks. The return obtained in investing in stocks is potentially higher than other investment alternatives, but the risks borne are amplified, so it is necessary to analyze these risks that may occur. In this study, the Archimedean copula method is used to estimate the Value at Risk on shares of PT Bank Rakyat Indonesia Tbk (BBRI) and PT Telekomunikasi Indonesia Tbk (TLKM) for the period September 1, 2021, to August 31, 2023. The stock data is used to determine the Archimedean copula model and calculate the estimated value of Value at Risk (VaR) on the stock return portfolio using the Archimedean copula approach. The Archimedean copula models used are the Clayton copula model, Gumbel copula, and Frank copula. Of the three Archimedean copula models, the best model was selected by looking at the largest Maximum Likelihood Estimation (MLE) value. In this study, the log-likelihood value of Clayton copula is 7.958, Gumbel copula is 6.663, and Frank copula is 8.398. Therefore, Frank copula is the best Archimedean copula model with the largest log-likelihood value of 8.398 for the said data. Then the VaR estimation is done with the Frank copula model. The Value at Risk estimation results based on the Frank copula model show maximum loss rates of -0.0277 at the 90% confidence level, -0.0363 at the 95% confidence level, and -0.0516 at the 99% confidence level.

Prosedur Pemberian dan Pengawasan Kredit pada PT Bank Rakyat Indonesia (Persero) Tbk KCP Unit Ambarita

This study focuses on the procedure for providing and supervising credit, namely People's Business Credit (KUR) and Rural General Credit (KUPEDES), which aims to determine how the procedure for providing and supervising credit is at PT Bank Rakyat Indonesia (Persero) Tbk Ambarita Unit Branch Office. The research method used in this study is descriptive. The results show that the provision of KUR and KUPEDES and their supervision at PT Bank Rakyat Indonesia (Persero) Tbk Ambarita Unit Branch Office has yet to be fully carried out effectively. In credit supervision, it is also expected that the Mantri (account officer) related to the credit section is expected to monitor their customers more often by the applicable credit provision principles to avoid errors that result in bad credit, and supervision should be carried out as often as possible so that credit payments are by the agreement.

Pengaruh Karakteristik Perusahaan Terhadap Modal Kerja Holding Ultra Mikro

This study aims to test and analyze the influence of company characteristics (financial leverage, operating cash flow, and company size) on working capital, as well as test and analyze the influence of company growth in moderating company characteristics (financial leverage, operating cash flow, and company size) on working capital. This research is a type of quantitative research, the sample used in the research uses a saturated sampling technique, where the sampling technique uses all members of the population as samples. So the number of samples used in this research is companies that are on the ultra-micro holding list, namely PT Bank Rakyat Indonesia (Persero) Tbk, PT Pegadaian (Persero) and PT Permodalan Nasional Madani (Persero). The research results show a significant influence between financial leverage (FL), operating cash flow (OCF), company size (size) on working capital. Company growth does not moderate company characteristics regarding working capital.

Analysis of the Impact of Frontliner Employee Performance Assessment at PT. Bank Rakyat Indonesia (Persero), Tbk. KC Jakarta Tanjung Priok

Performance appraisal of frontliner employees at PT Bank Rakyat Indonesia (Persero), Tbk. Kc Jakarta Tanjung Priok has a significant impact on employee development and performance. Through analysis, it can be seen that performance appraisals provide clear feedback, motivate employees to improve their performance, strengthen teamwork, and drive process and system improvements. Supporting factors such as transparent appraisal systems, strong management support, sustainable reward systems, and effective communication contribute to the success of performance appraisals. However, there are also challenges such as subjectivity in appraisals and employee resistance to the appraisal process that need to be overcome. With attention to these constraints and maximization of supporting factors, PT Bank Rakyat Indonesia (Persero), Tbk. Kc Jakarta Tanjung Priok can ensure that performance appraisal of frontline employees becomes an effective tool in achieving organizational goals and overall employee development.

ANALISIS LAPORAN KEUANGAN UNTUK MENGUKUR KINERJA KEUANGAN PT BANK RAKYAT INDONESIA (PERSERO) TBK

This study aims to determine the financial performance of PT Bank Rakyat Indonesia (Persero) Tbk using the rations of liquidity, profitability, and solvency. This type of research is a type of quantitative descriptive analysis research with data collection techniques used are documentation and literature study. The data analysis techniques used is the analysis of liquidity, solvency, and profitability rations. The sample in this study is the balance sheet and profit/loss statement for the last 4 years published from the official website www.bri.co.id for the period 2019 to 2022. the result showed that the liquidity rations, namely the quick ratio, asset to loan ratio, and loan to deposit ratio (LDR) were in very good condition in accordance with BI standarts. In the profitability ratio, namely net profit margin, return on asset, and return on equity in a very good condition in accordance with BI satndarts. And in the solvency ratio, namely the primary ratio, capital ratio, and capital adequacy ratio (CAR) in very good condition in accordance with BI standarts.

Analisis Laporan Keuangan untuk Menilai Kinerja Keuangan Sebelum dan Sesudah Pandemi pada Perusahaan Sektor Perbankan yang Terdaftar di Bursa Efek Indonesia

The aim of this research is to find out how the financial performance of four banking companies listed on the Indonesia Stock Exchange was before and after the Covid 19 virus pandemic. The type of data used in this research is secondary data, namely research data sources obtained and collected by researchers indirectly, but with other parties. The data collection technique in this research is documentation technique. In this research, researchers used the paired samples T-Test as a tool to hypothesize in this research. Based on the results of the T-Test samples, the financial performance of PT Bank Rakyat Indonesia Tbk. Based on the liquidity ratio through current calculations and the quick ratio experienced a significant decrease. The financial performance of PT Bank Rakyat Indonesia Tbk based on the solvency ratio through calculating the debt to asset ratio and debt to equity ratio has increased significantly. The financial performance of PT Bank Rakyat Indonesia Tbk based on the activity ratio through calculating total asset turnover experienced a significant increase. Financial performance of PT Bank Central Asia Tbk. Based on the profitability ratio through the calculation of return on investment, it has decreased significantly and based on the calculation of return on Equity, PT Bank Mandiri Tbk has experienced a significant increase. Keywords: Activity Ratio, Liquidity Ratio, Profitability Ratio, Solvency Ratio.

Pengaruh Gaya Kepemimpinan Transformasional, Motivasi Intrinsik dan Motivasi Ekstrinsik terhadap Kinerja Karyawan PT Bank Rakyat Indonesia (Persero) KC Kendal

This study aims to find out and analyze the extent to which transformational leadership style variables, intrinsic motivation and extrinsic motivation affect employee performance. This research object is PT Bank Rakyat Indonesia (Persero) KC Kendal with a sample of 100 permanent employees. Sample selection using saturated sampling. The method used is a quantitative method by collecting data using a questionnaire and distributed by gform with a likert scale as a measurement tool. The types of data used are primary data and secondary data. Data processing and testing using the SPSS version 26 program. The instrument tests used are validity tests and reliability tests. The analysis techniques used include multiple linear regression analysis, f tests, coefficients of determination, and hypothesis tests (tests). The findings in this study show that Transformational leadership style and intrinsic motivation have a positive and significant effect on employee performance. In addition, extrinsic motivation also plays a role in influencing employee performance.

Feature selection using non-parametric correlations and important features on recursive feature elimination for stock price prediction

Stock price prediction using machine learning is a rapidly growing area of research. However, the large number of features that can be used can complicate the learning process. The feature selection method that can be used to overcome this problem is recursive feature elimination. Standard recursive feature elimination carries the risk of producing inaccurate algorithms because the top-ranked features are not necessarily the most important features. This research proposes a feature selection method that combines important features and nonparametric correlation in recursive feature elimination for stock price prediction. The data features used are technical indicators and stock price history. The recursive feature elimination method is modified with important features and nonparametric correlation features. The strategy for combining important features and non-parametric features is average weight, 25:75% weight, 75:25% weight, maximum weight, and minimum weight. The performance evaluation results show that the proposed feature selection method succeeded in obtaining small error values. The proposed method for predicting PT Bank Rakyat Indonesia Tbk (BBRI) stock prices obtains mean squared error, root mean square error, mean absolute error, and mean absolute percentage error evaluation values of 0.0000336, 0.00577, 0.00459, and 1.78%, respectively. This shows that recursive feature elimination with feature selection that combines important features and non-parametric correlation works better than the original recursive feature elimination at predicting stock prices.

Strategy to Increase Investment Portfolio at Retired Priority Banking Customers of PT Bank Rakyat Indonesia Yogyakarta Adisucipto Branch Office

This study aims to determine the strategy of increasing investment portfolio for retired priority banking customers at PT Bank Rakyat Indonesia Yogyakarta Adisucipto Branch Office. Bank Rakyat Indonesia Yogyakarta Branch Office Adisucipto is a company under the auspices of the Head Office of Bank Rakyat Indonesia located in Yogyakarta. The research method used in this study is by using observation, interviews, and documentation. This research data is sourced from primary data obtained through data collection techniques based on the process of observation, documentation, and interviews conducted directly to companies and retired priority banking customers who meet the criteria, as well as secondary data obtained from quoting books, internet, and so on containing information about priority banking Bank BRI. Therefore, researchers are able to draw conclusions descriptively. The interview was conducted with 5 respondents who are employees and customers of retired priority banking Bank BRI Yogyakarta Branch Office Adisucipto. The results of this study show what investment products are suitable to be offered to retired priority banking customers and how the profitability of investment products owned by retired priority banking customers for BRI Prioritas. The author recommends increasing the offering of certain investment products and the Bank strengthening the implementation of ESG especially Environmental principles.

The Influence of Transformational Leadership and Compensation on Employee Turnover Intention (Study of Employees of the HR Department of PT Bank Rakyat Indonesia Medan Branch Office)

Turnover intention refers to an employee's desire to leave the company, and employee turnover in an organization can result in negative impacts. One important aspect in reducing the turnover rate is transformational leadership combined with fair compensation. This research aims to examine the impact of transformational leadership and compensation on turnover intention of HR employees at PT Bank Rakyat Indonesia Medan Branch Office. Using quantitative methods and an associative approach, this research involved a population of 40 employees in the human resources department at PT Bank Rakyat Indonesia Medan Branch Office, with a sample of 38 respondents selected through a purposive sampling technique. Data collection involved questionnaire distribution and literature review. Research findings show that while transformational leadership does not have a significant effect on turnover intention, compensation shows a significant effect.

Analisis Penggunaan Aplikasi Brimen Terhadap Kemudahan Kinerja Petugas Administrasi Kredit (ADK) PT Bank Rakyat Indonesia (PERSERO) Tbk Kantor Cabang Pasuruan

This research aims to analyze the usage of the BRIMEN application and its impact on the ease of performance of Credit Administration Officers (ADK) at the Pasuruan Branch Office of PT Bank Rakyat Indonesia (Persero) Tbk. The research method used is qualitative method with a participatory approach and descriptive research type. Data were obtained through observation, interviews, and direct documentation in the field. The results show that the BRIMEN application facilitates ADK officers in various tasks such as scanning customer documents, uploading files to the system, and archiving physical files. Although still in the refinement stage, BRIMEN provides time efficiency and flexibility for officers, who previously performed processes manually. In conclusion, BRIMEN has provided benefits in improving the work efficiency of Credit Administration Officers (ADK) at the Pasuruan Branch Office. Although further refinement is needed, this application has the potential to be continuously developed to enhance productivity and operational efficiency.

The influence of transformational leadership and organizational culture on employee performance at pt. Bank rakyat Indonesia (Persero) TBK. Gorontalo branch

This study aims to determine the effect of transformational leadership and organizational culture on employee performance at PT Bank Rakyat Indonesia (Persero) Tbk. Gorontalo Branch partially or simultaneously. The approach in this research is quantitative. This research uses the expost facto method and correlational research design. Data collection through questionnaires, interviews, observation, and documentation. The data analysis technique used is multiple regression. The results showed that (1) transformational leadership has a positive and significant effect on employee performance at PT Bank Rakyat Indonesia (Persero) Tbk. Gorontalo Branch by 30.80%. The better and ideal transformational leadership style applied by the leadership will improve employee performance at PT Bank Rakyat Indonesia (Persero) Tbk. Gorontalo Branch. (2) Organizational culture has a positive and significant effect on employee performance at PT Bank Rakyat Indonesia (Persero) Tbk. Gorontalo Branch by 54.00%. The more conducive the culture in an organization, the more employee performance will increase in quantity, quality, and timeliness of work. (3) Transformational leadership and organizational culture together have a positive and significant effect on employee performance at PT Bank Rakyat Indonesia (Persero) Tbk. Gorontalo Branch by 84.80%. The influence of other variables is employee competence, leadership supervision, education and training, employee career management, and compensation.

PENGARUH BEBAN OPERASIONAL/PENDAPATAN OPERASIONAL (BOPO) TERHADAP KINERJA KEUANGAN PADA PT BANK RAKYAT INDONESIA TBK (PERIODE 2017-2022)

This study aims to determine the partial and simultaneous effect of Operational Expenses/Operating Income (BOPO) on Financial Performance at PT Bank Rakyat Indonesia Tbk (2017-2022 Period). This study uses secondary data. The population in this study is the Financial Statements of Bank Rakyat Indonesia which are registered with BRI. The technique used to analyze the data used is the classical assumption test and simple linear regression test. The results of this study indicate that partially BOPO has a significant effect on ROA. The results of the t test were obtained at -6.985. The t-test significance value was obtained at 0.002. A significance value of less than 0.05 indicates that BOPO has a significant effect on ROA. Meanwhile simultaneously BOPO has an effect on ROA. The results of the F test were 48.787. The F value of the significance of the test was obtained at 0.002. A significance value greater than 0.05 indicates that BOPO has a significant effect on ROA.