PT Bank Rakyat Research Articles

Pelatihan Penyusunan Laporan Arus Kas pada BUMDes Bintang Muda Mandiri Desa Sialang Kubang, Kecamatan Perhentian Raja, Kabupaten Kampar

The cash flow statement provides relevant information regarding cash receipts and payments of a company in one period. The information presented on it assists the company in making decisions on using available cash. It serves as the basis for evaluating the performance of receiving and cash disbursement in a period. Decision errors can result in several circumstances, such as debt accumulation, jammed cash inflows, uncollectible customer receivables, and BUMDes' failure to pay for daily operational needs. BUMDes Bintang Muda Mandiri is one of the best BUMDes from the Deepening Program of Bank BRI Brilian Village, a village incubation program organized by PT Bank Rakyat Indonesia, Tbk. in 2022. BUMDes Bintang Muda Mandiri has also reported profits in the last three years, which reflects the potential for future growth. This community service activity provided training in preparing a Statement of Cash Flow using Excel worksheets prepared by the Andalas University Community Service Team. The method used in this activity was the delivery of material and training. The benefit of this activity was the realization of independent BUMdes human resources who can prepare the cash flow statement and analyze it as a financial report for decision-making.

THE EFFECT OF E-COMMERCE AND CORPORATE IMAGE ON CUSTOMER SAVING DECISIONS IN PT BANK RAKYAT INDONESIA PAREPARE BRANCH

This study aims to determine whether e-commerce and corporate image have a partial and simultaneous effect on customers' saving decisions at PT Bank Rakyat Indonesia Parepare Branch. The sample in this study were customers who made saving stransactions at PT Bank Rakyat Indonesia, Parepare Branch, with a total of 60 people. The sampling method was carried out using the Roscoe approach to the technique used in this study (accidental sampling). Methods of data collection used are questionnaires, interviews, documentation, and observation. The method of analysis utilized in this study is validity test and reliability test, descriptive analysis, t test and f test, Multiple linear regression analysis and determination coefficient using SPSS V.24. The findings of this research indicate that the t test of the e-commerce variable (X1) has a positively influences the decision to save (Y) because the value shows (2.305≥2.002) and there is a partially complete significant influence between the e-commerce variables, while the corporate image variable (X2) has a positive effect on saving decisions (Y), because the value shows (3.443≥2.002), this shows that corporate image has a considerable influence on saving decisions at PT Bank Rakyat Indonesia Parepare Branch. Furthermore, the f test's findings state that simultaneously the e-commerce variable and corporate image have an important impact on saving decisions because Fcount>Ftable where the value is (6.239>3.16). This also indicates that the independent factors have an effect on the dependent variable.

Pengaruh Right Issue Saham Terhadap Kinerja Keuangan Pt Bank Rakyat Indonesia (PERSERO) TBK

Companies that have previously listed their shares on a stock exchange may consider issuing the right shares as an additional capital-raising method to expandtheir operations. Investors need to have a solid understanding of both the current state of the firm and the nature of the rights issue before they can proceed with the redemption of their rights. In September of 2021, one of the Indonesian banking issuers, PT Bank Rakyat Indonesia (Persero) Tbk, carried out a rights issue toraise capital to lay the groundwork for forming an Ultra Micro SOE Holding business in Indonesia. As a result, this research aims to investigate the qualities of companies via the use of fundamental analysis, namely by examining profitability ratios, solvency ratios, and other supporting ratios. The purpose of this research is to establish whether or not the outcomes of this business activity have a favorable impact on the firm. Calculations and analyses are carried out using secondary data in the form of the financial statements of PT Bank Rakyat Indonesia (Persero) Tbk for 2018-2022. This data is used as a reference in the research approach. According to the findings of this study, the financial performance of PT Bank Rakyat Indonesia Tbk, based on fundamental analysis, is in excellent shape and has witnessed growth following the Covid-19 epidemic. These findings are shown by the fact that the company has a positive outlook. Because the price is lower than the market price and the Price-to-Earnings Ratio is decreasing, BBRI's simulation of a rights issue calculation results reveal an appealing valuation. This is the case because the price is lower than the market price.

Role of Knowledge Sharing and Employee Engagement Towards Innovative Performance with Learning Orientation as Moderating Variable

In this study, the authors will analyze the performance of innovation through knowledge sharing, and employee work involvement moderated by learning orientation variables. The purpose of this study is to determine the extent to which innovation performance can be obtained through knowledge sharing, work involvement, and moderation of learning orientation that develops in the process of holding state-owned companies in the banking sector. One of them is the existence of an interesting holding process between PT Bank Rakyat Indonesia, Tbk. (Bank BRI), PT Permodalan Nasional Madani (PNM), and PT Pegadaian, where PT Pegadaian can be considered a non-banking sector service. Thus, knowledge sharing and employee involvement, in this case, will be analyzed using learning orientation as a moderating variable. This type of research is explanatory research with a cross-sectional design and data collection using primary data in the form of data collection questionnaires distributed to employees of Bank BRI. The sample of this research is 213 respondents and will be analyzed using SEM-PLS 3.0. The results of this study indicate that knowledge sharing has a significant effect on innovation performance, employee involvement has a significant effect on innovation performance, and the results of learning orientation are able to significantly moderate knowledge sharing on innovation performance. However, learning orientation cannot moderate and is not significant between employee engagement and innovation performance.

Deposit Interest Rates and Amount of Time Deposit Funds

This study aims to determine the effect of deposit interest rates on the amount of time deposits at PT Bank Rakyat Indonesia Makassar Branch. The data source used is secondary data, in this case the data and financial statements of PT Bank Rakyat Indonesia Makassar Branch for a year, including reports on deposit interest rates of PT Bank Rakyat Indonesia Makassar Branch. This research uses data collection techniques through field studies. The analysis method used is simple linear regression using the SPSS 16.0 for Windows program. Based on hypothesis testing using the F test it is concluded that the term interest rate does not have a positive influence on time deposit funds. And based on the partial test (t) it is concluded that the term interest rate has no significant effect on time deposit funds.

Influence Satisfaction and Trust to Loyalty Customer in Use Product Superior Micro at PT. Bank Rakyat Indonesia Tbk (Persero)

This study aims for know influence satisfaction and trust to loyalty customers in use product superior micro (Kupedes) at PT. Bank Rakyat Indonesia Tbk (Persero) A. P. Pettarani Unit Office. As for the population study is PT Bank Rakyat Indonesia Tbk (Persero) customers A. P. Pettarani Unit Office which uses product superior micro (Kupedes). Sample finally obtained is 100 respondents. Data analysis used analysis track (Path Analysis) using Statistical Product Standard Solution (SPSS 25). The results of data analysis show that variable satisfaction influential significant to trust with mark X1 significanct of 0.0001 <0.05. However, variables satisfaction no there is influence significant to loyalty with mark X1 significance of 0.232>0.05. Variable trust there is influence significant to loyalty with mark X2 significance of 0.0001 <0.05. Then analysis satisfaction through trust to loyalty is known influence given directly of 0.126, meanwhile influence no direct X1 through X2 to Y of 0.581, which means that mark influence no direct more big compared to with mark influence direct. So that can concluded that in a manner no direct satisfaction through trust have influence significant to loyalty.

PENDEKATAN MODEL KMV MERTON UNTUK PENGUKURAN NILAI RISIKO KREDIT OBLIGASI EXPECTED DEFAULT FREQUENCY (EDF) DILENGKAPI GUI R

Bonds are debt securities from the issuer to bondholders with a promise to pay off the principal and the coupon at maturity. Bond investing can generate income while also posing investment risks. One of the risks connected with bond investing is credit risk, which might manifest as a firm collapsing (default). The KMV Merton model approach is one method of measuring bond credit risk. This Merton KMV model computes the Expected Default Frequency (EDF), which is the likelihood of a firm failing in the following years or years. The data processing system using the Graphical User Interface (GUI) can facilitate the analysis process by implementing the Shiny Package in the R studio program. This research case makes use of up to 48 months of monthly corporate asset data from January 2018 to December 2021. The results obtained the value of Expected Default Frequency (EDF) in each company, namely PT Bank Mandiri Tbk obtained a value of 0% and PT Bank Rakyat Indonesia Tbk obtained a value of 1,406668E-113%. Because PT Bank Rakyat Indonesia Tbk's percentage return is higher than that of PT Bank Mandiri Tbk, investors would be better off investing in bonds at PT Bank Mandiri Tbk.

Pengaruh Financial Cost dan Comprehensive Income terhadap Non-Interest Bearing Debt Perusahaan Badan Usaha Milik Negara (BUMN) Jasa Perbankan PT Bank Rakyat Indonesia (Persero) Tbk.

The research was conducted to comprehensively determine the effect of non-interest bearing debt on financial cost and Comprehensive 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 non-interest bearing debt variable significantly affects Comprehensive Income, and financial cost significantly affect Comprehensive Income. However, other factors affect the value of Comprehensive 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 non-interest bearing debt, earnings before tax, and Comprehensive Income.

Does Loan to Deposit Ratio Affect Return on Asset? Evidence from State-owned Banks

The purpose of this study was to determine the effect of Loan to Deposit Ratio (LDR) on Return on Assets (ROA). To support the research, a causal associative method with a quantitative approach was used. The study was conducted on state-owned banks listed on the Indonesia Stock Exchange for the period 2014-2021. The samples used in this study were 4 state-owned banks consisting of PT Bank Negara Indonesia (Persero) Tbk, PT Bank Rakyat Indonesia (Persero) Tbk, PT Bank Tabungan Negara (Persero) Tbk, and PT Bank Mandiri (Persero) Tbk. The data analysis technique uses simple linear regression, correlation coefficient, coefficient of determination, and hypothesis testing. The results showed that LDR did not affect ROA. So, the high profits obtained by state-owned banks come from income other than loan interest income. This research is expected to improve the financial performance of state-owned banks by still paying attention to the percentage of LDR to obtain maximum profit

Pengaruh Kualitas Layanan, Persepsi Kemudahan, Dan Pengetahuan Nasabah Terhadap Minat Penggunaan Aplikasi Brimo

This study aims to determine the effect of service quality, perceived convenience, and customer knowledge on interest in using the BRImo application at PT Bank Rakyat Indonesia Soasio Branch Office. Methods of data analysis using multiple regression analysis, measuring scale using a Likert scale. The results showed that the service quality variable had a positive but not significant effect on interest in using the BRImo application. the perceived convenience variable has a significant positive effect on the intention to use the BRImo application and the customer knowledge variable has a significant positive effect on the intention to use the BRImo application. and variables namely service quality (X1), perceived ease of use (X2), and customer knowledge (X3) simultaneously have a significant effect on interest in using (Y) the BRImo application.

ANALISIS KINERJA KEUANGAN BANK RAKYAT INDONESIA SEBELUM DAN SELAMA MASA PANDEMI COVID – 19 : STUDI KOMPARATIF

This study aims to examine the differences in the financial performance of PT Bank Rakyat Indonesia before and during the COVID-19 pandemic. This test uses a quantitative approach, and the data samples used from the third quarter of 2017 to the second quarter of 2022 are 20 samples. Bank Rakyat Indonesia, as the research object, has the most customers among other banks. Testing was carried out using the paired sample t-test method. The results of the study show differences in financial performance before and during the COVID-19 pandemic in the ratios of NPL, ROA, ROE, and LDR, but there is no difference in financial performance before or during the COVID-19 pandemic in the BOPO ratio

The Effect of Loan To Deposit Ratio (LDR) and Third Party Funds on Return On Equity (ROE) at PT Bank Rakyat Indonesia (Persero) Tbk Between 2012 and 2021

A bank is a financial institution that functions as an intermediary by receiving deposits of money from the judiciary community to channel it back to the community in the form of credit. This study aims to determine how much influence the Loan to Deposit Ratio (LDR) and Third Party Funds have on Return On Equity (ROE). This research was conducted at PT. Bank Rakyat Indonesia (Persero) Tbk for the period 2012-2021. The method of data collection in this study is by downloading financial statements on the PT. Bank Rakyat Indonesia. The data analysis method used in this study used normality test analysis and multiple linear regression analysis. The tests that have been carried out in this study provide results that the Loan to Deposit Ratio has no effect on Return On Equity while Third Party Funds have an effect on Return On Equity.

THE INFLUENCE OF INTERNAL AND EXTERNAL FACTORS ON BANK LENDING

The purpose of this study was to analyze the influence of internal and external factors on bank lending. Internal factors in this study are CAR, DPK, LDR, and NPL. Meanwhile, the external factors used are GDP and JIBOR. The sample used is PT. Bank Rakyat Indonesia. The data used in this study was obtained from the quarterly financial statements of bank BRI in the 2017-2021 period and analyzed using the least square method. This study found that the DPK and LDR variables partially had a positive and significant effect on lending, the CAR, NPL, and JIBOR variables did not have a significant effect on lending, and the GDP variables had a negative effect on lending. In contrast, simultaneously the CAR, DPK, LDR, NPL, GDP, and JIBOR variables significantly affected the distribution of PT Bank Rakyat Indonesia.

Analysis of Profitability Ratio in Predicting Profit Changes in PT. Bank Rakyat Indonesia (Persero) Tbk

Bank Rakyat Indonesia (Persero) Tbk is one of the largest banks in Indonesia. This study aims to determine and identify the ability of the profitability ratio in predicting profit changes at PT Bank Rakyat Indonesia (Persero) Tbk. ROA, ROE, and NPM are rations used to measure the ability to predict profit changes in this study. The data collection technique used is documentation. The population in the financial statements of PT Bank Rakyat Indonesia (Persero) Tbk., and the sample is PT Bank Rakyat Indonesia (Persero) Tbk., reports for 8 (eight) years calculated quarterly. The results of the research had tested classical assumptions such as normality assumption, multicollinearity assumption, heteroscedasticity assumption and autocorrelation assumption. By applying multiple linear regression techniques in the process of data analysis. The results showed that partially Return on Assets (ROA) was significantly unable to predict profit changes, Return on Equity (ROE) was significantly able to predict profit changes, and Net Profit Margin (NPM) was significantly able to predict profit changes. Simultaneously, Return on Assets (ROA), Return on Equity (ROE), and Net Profit Margin (NPM) was significantly able to predict profit changes.

Legal protection for consumers whose certificates are collateralized by the developer

This study analyzes the Consumer Protection law in adequately protecting home buyers at Violet Garden, Bekasi. These consumers are faced with losing their house certificates because they have guaranteed them to a non-pawnbroker bank (Maybank). Finally, the Central Jakarta Commercial Court ruled that the developer was bankrupt because he was unable to pay his debts. The curator invites the buyer to participate in paying off the developer's debt, which amounts to approximately fifty percent of the purchase price. This investigation uses a normative juridical approach, namely a truth-seeking procedure based on the logic of legal studies from a normative point of view. The results of this study are that banks must protect consumer rights and not cause problems that result in material losses experienced by consumers. Consumers can file lawsuits because the parties responsible for this case are PT Bank Rakyat Indonesia Tbk, PT Bank Tabungan Negara Tbk, and PT Nusuno Karya, and the element of tort has been fulfilled. However, currently, there are no regulations that strictly regulate how a house can be sold by a developer so that the state can protect consumers.How to cite item: Mulia, JR., Wahyudi, E., (2022). Legal protection for consumers whose certificates are collateralized by the developer. Jurnal Cakrawala Hukum, 13(3)281-290. doi:10.26905/idjch.v13i3.8389.

PENGARUH RESTRUKTURISASI KREDIT DAN TINGKAT SUKU BUNGA KREDIT KORPORASI TERHADAP LOAN TO DEPOSIT RATIO PADA PT BANK RAKYAT INDONESIA TBK

<p align="justify">The purpose of this study was to determine the effect of Credit Restructuring and Credit Interest Rates Corporate on the Loan to Deposit Ratio at PT Bank Rakyat Indonesia, Tbk. This research is a quantitative study with a sample of secondary data from the Financial Statement of PT Bank Rakyat Indonesia, Tbk in the period 2014 to 2021 obtained from Bank Rakyat Indonesia website. The independent variables in this study are Credit Restructuring and Credit Interest Rates Corporate, while the dependent variable is Loan to Deposit Ratio. Analysis of the data used is multiple linear regression analysis at a significance level of 5%. The results of the study indicate that Credit Restructuring and Interest Rates Credit Corporate have a significant positive effect on the Loan to Deposit partially, while simultaneously have not effect and coefficient determination test has result only 18,7%, the rest is influenced by other variables.</p><p><strong>Key words: </strong>Credit Restructuring, Credit Interest Rates Corporate, and Loan to Deposit</p>Ratio.

The Effect of Service Communication Process and Customer Service Officer Complaint Handling on Satisfaction and Loyalty (Literature Review Marketing Management)

Article Literature Review of the Effect of Service Communication Process and handling complaints of customer service officers on customer satisfaction and loyalty of PT Bank Rakyat Indonesia (Persero) is a scientific article aimed at building research hypotheses of influence between variables that will be used in further research, within the scope of marketing management science. This Literature Review Article Writing Method is the Research Library Method, sourced from online media such as Google Scholar, Mendeley, and other academic online media. The results of the article literature article are 1) the service communication process affects satisfaction; 2) Handling of Customer Service Officer complaints affects satisfaction; 3) the Service communication process affects customer loyalty; 4) Handling of Customer Service Officer complaints affects customer loyalty, and 5) satisfaction affects customer loyalty. In addition to these two exogenous variables that affect the endogenous variable of customer satisfaction and loyalty, there are still many other factors, including brand reputation variables, strategic locations, commitment, and trust.

Faktor-Faktor yang Mempengaruhi Tingkat Kepuasan Nasabah Bank Rakyat Indonesia (BRI) Cabang Samarinda 1

The purpose of this study was to test customer satisfaction with the role of customer service partially and simultaneously at PT Bank Rakyat Indonesia Samarinda Branch Office 1. The data collection instrument was a questionnaire measured by a Likert scale. The sample in this study was 350 customers of PT Bank Rakyat Indonesia Samarinda Branch Office 1 who were randomly assigned using probability sampling techniques. The results of the two hypotheses indicate that the variable role of customer service (X) is proven to have a positive and significant effect on customer satisfaction (Y) at PT Bank Rakyat Indonesia Samarinda Branch.

Analisis Faktor Penyebab Terjadinya Kredit Macet pada PT Bank Rakyat Indonesia (Persero) Tbk Unit Sangasanga Periode Tahun 2015-2018

This research aims to analyze and determine the effect of 5C Principles, namely: Character (X1), Capacity (X2), Capital (X3), Collateral (X4), and Condition of Economy (X5) on bad credit (Y) at PT Bank Rakyat Indonesia (Persero) Tbk Sangasanga Unit for the period 2015-2018. This research was conducted in Sangasanga District, Kutai Kartanegara Regency. In this research using primary data obtained from the distribution of the Sangasanga Unit BRI customer questionnaire as many as 100 respondents. Sampling is done by probability sampling technique using Slovin formula. The type of data in this study is quantitative data and uses the method of multiple linear regression analysis analyzed in statistics with the help of SPSS version 23. Testing of the hypothesis used is a partial statistical test (t test) and simultaneously (f test). Partial test results in this study indicate that Character has a positive and significant effect on bad credit, Condition of Economy has a positive and significant effect on bad credit, while Capacity has a negative and not significant effect on bad credit. Capital has a negative and insignificant effect, Collateral has no effect negative and not significant to the existence of bad credit. Simultaneous test results show a significance value of 0,000 which means that Character (X1), Capacity (X2), Capital (X3), Collateral (X4), and Condition of Economy (X5) have a joint effect on bad credit (Y) on PT Bank Rakyat Indonesia (Persero) Tbk Sangasanga Unit.

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.