PT Bank Syariah Mandiri Research Articles

The Influence of Compensation and Career Development Mediated Through Employee Engagement Toward Turnover Intention of The Permanent Officers Employees at The Head Office of PT Bank Syariah Mandiri

Human resources is one of the crucial aspects to achieve the company goals. Turnover intention is a serious problem encountered by the company because it can disrupt the company activities in achieving its goals. Turnover intention is the process or attitude of an employee to consider leaving the current job, and to find alternative employment opportunities in other organizations or companies that are better. The objective of this research was to find out the influence of Compensation and Career Development mediated through Employee Engagement toward Turnover Intention of the permanent officers employees at the Head Office of PT Bank Syariah Mandiri. In this research, the researcher took the samples by using non-probability sampling method with a purposive sampling technique. The samples were the permanent officers of PT. Bank Syariah Mandiri (Head Office) consisted of 291 respondents from the total of 404 permanent officers. The researcher used structural equation model in testing, analyzing the data, and model development. The Data were analyzed by using statistical software tools (LISREL 8.8). The results were: 1) Compensation has a direct negative influence on turnover intention, 2) Career development has a direct negative influence on turnover intention, 3) Compensation has a direct positive influence on employee engagement, 4) Career development has a direct positive influence on employee engagement, 5) Employee engagement has a direct negative influence on turnover intention, 6) Compensation has an indirect negative influence on turnover intention through employee engagement and 7) Career development has an indirect negative influence on turnover intention through employee engagement.

ETIKA KERJA DAN KUALITAS LAYANAN ISLAM TERHADAP KINERJA PERBANKAN PADA PT BANK SYARIAH MANDIRI PROVINSI LAMPUNG

Performance is the pulse of a company that must get attenton in order to maintain the existence of the company in competing with other companies. This study aims to, (1) the effect of work ethics on banking performance, (2) the effect of the quality of Islamic services on banking performance, and (3) the effect off work ethics and quality o Islamic services at PT. Bank Syariah Mandiri Lampung Province. The approach used is desciptive quantitative. The sampling technique uses purposive sampling. The number of samples is 38 employeees at 4 Bank Syariah Mandiri that is PT Bank Syariah Mandiri Kedaton Kota Bandar Lampung, PT Bank Syariah Mandiri Kalirejo, PT Bank Syariah Mandiri Pringsewu dan PT Bank Syariah Mandiri Kota Metro. The results of the study is (1) the results of the T-test value on work ethics on banking performance has a sig value of 0.017 < 0.05, then work ethics influences the performance at PT Bank Syariah Mandiri Lampung Province, (2) the results off the T-test value the quality of Islamic services on banking performance have a sig value of 0.028 < 0.05 meaning that the quality of Islamic services affects the performance at PT Bank Syariah Mandiri Lampung Province, (3) The results of the F-test sig is 0.000 < 0.05 so that based on the sig value of work ethics and service quality simultaneously inffluence the PT Bank Syariah Mandiri Lampung Province.

Employee perceptions towards organizational change and leadership in the banking industry

Organizational change involves participation of leaders, employees, structures, and systems as a strategy in anticipating and adapting to environmental changes. Leadership as a reflection of leaders’ behavior in managing organizations not only influences the policy and decision making but also indicates the approach to all members as the most important element in achieving organizational goals. This study explores perceptions of employees toward the implementation of organizational change and leadership in two leading banks in Palu City, namely, PT Bank Negara Indonesia (Persero) Tbk (BNI) and PT Bank Syariah Mandiri (BSM). The sample is purposively determined by 48 people, with 24 employees in each bank. This study is conducted using a quantitative approach with descriptive statistical data analysis and analyzed descriptively. Then it is tested with the Independent Sample T-Test. The results show that there are no differences in perceptions of employees regarding organizational change despite their experience on different levels of change, but reveal different perceptions in a leadership aspect. Organizational change at BNI is at the moving stage, while BSM has been in the last stage of organizational change, namely refreezing. The difference in leadership behavior between these two banks is very significant. Leadership at BNI is charismatic by giving idealized influence, while BSM prioritizes inspirational motivation.

DAMPAK KUALITAS LAYANAN DAN NILAI NASABAH TERHADAP KEPUASAN NASABAH PERBANKAN SYARIAH

Abstract: This research refers to studying service quality and customer value towards customer satisfaction in Islamic banking with a case study in PT Bank Syariah Mandiri Lhokseumawe Branch. The data used in this study are primary data through interviews using a questionnaire. The sample in this study was accidental sampling. The research method used is qualitative and quantitative methods, with multiple linear regression analysis. The results released by simultaneous shows, service quality and customer value have a positive and significant influence on customer satisfaction. While the results of the study indicate that, service quality has a positive and significant effect on customer satisfaction, the customer value also has a positive and significant influence on customer satisfaction. From the variable Quality of service and value of customers that are just the same as partial to customer satisfaction in Islamic banking. This research can be used as an evaluation and input for the management of a special sharia banking company, PT Bank Syariah Mandiri, Lhokseumawe Branch, to always improve service quality and value customers receive customers satisfied with services and benefits obtained or obtained by customers. Keywords: Service Quality, Customer Value, Customer Satisfaction

Pengaruh Financing to Deposit Ratio (FDR) dan Non-Performing Financing (NPF) terhadap Bagi Hasil Deposito Mudharabah pada Bank Syariah Mandiri

<em>Along with the development of sharia banking institutions in Indonesia, the more types of services provided by these Islamic banking institutions. This study focuses on internal factors, such as Financing to Deposit Ratio (FDR) and Non-Performing Financing (NPF), because of the presumption that these factors have the most significant influence on profit-sharing that exist in the Islamic banking system. This study aims to determine the effects of Financing to Deposit Ratio (FDR) and Non-Performing Financing (NPF) variables on Mudharabah Deposits of PT Bank Syariah Mandiri, both partially and simultaneously for the 2011-2017 period. The sample used in this study is PT Bank Syariah Mandiri in Indonesia by using multiple linear regression analysis which is processed using SPSS (Statistical Product Services and Solutions) software version 24. The results of this study state that FDR has a negative effect on profit sharing of Mudharabah Deposits, while NPF has a positive influence on the profit sharing of Mudharabah Deposits. These results also indicate that simultaneously the Financing to Deposit Ratio (FDR) and Non-Performing Financing (NPF) variables have a significant influence on the profit sharing of PT Bank Syariah Mandiri Mudharabah Deposits for the period 2011-2017. This is supported by the results of the coefficient of determination. The coefficient is 0.673 or 67.3% of profit sharing of the Mudharabah Deposits are influenced by the FDR and NPF variables, and the remaining 32.7% is influenced by other variables not used in this research model.</em>

The effect of individual personality of the big five model and the non physical work environment on employee performance in PT Bank Syariah Mandiri in Pontianak

The purpose of this study was to investigate the influence ofindividual personalities and the big five model of non-physical work environment on the performance of independent syriah bank employee in London. In this study the authors used a research method is descriptive and Verifikatif, where descriptive studies that describe the real state of the object contained in the study required data obtained from the filling of questionnaires, interviews, observation, and study documentation. Verifikatif is basically wanted to test the truth of the hypothesis which is carried out through field data collection. The research was conducted on 69 employees in branch offices, Bank Syariah Mandiri in Pontianak, to support research to ensure compliance with the objectives to be achieved then the respondent will answer in the form of cross tabulation tabulated and analyzed and the conclusions drawn. The method used is descriptive analysis, causal and associative multiple linear regression analysis. The results of this study concluded that by looking at the variable Big Five Personality Model and Non-Physical Work Environment jointly or simultaneously have a positive and significant impact on the creation of employee performance at PT. Bank Syariah Mandiri Pontianak. The most dominant variable affecting the creation of employee performance at PT. Bank Syariah Mandiri Pontianak is:Non-Physical Work Environment variables.

The Effect of Person-Organization Fit on Turnover Intention with Job Satisfaction as Mediating Variable

Currently, the sharia banking industry continues to grow and develop. Furthermore, one of the fastest growing sharia banks is Sharia Mandiri Bank (BSM). Every company including sharia banking faces the challenge of attracting, developing, and retaining its employees. This study aims to examine the effect of person-organization-fit (P-O fit) on employee turnover intention in Sharia Mandiri Bank (BSM) by considering job satisfaction as a mediating variable. Multidimensional P-O fit, namely supplementary fit, complementary fit, needs-supplies fit and demands-abilities fit (Piasentin, 2007), Michigan Organizational Assessment Questionnaire (Camman et al. 1979) and Mobley, Horner and Hollingsworth’s (1978) revised model were used to measure P-O fit, job satisfaction and turnover intention. A quantitative survey was conducted on a non-probability (purposive) sample of 100 permanent employees working at PT Bank Syariah Mandiri. Correlation, multistage regression and bootstrap were used to test the direct and mediating relationship between key variables. The results uncovered that there is a moderate negative correlation between P-O fit and turnover intention, a strong positive correlation between P-O fit and job satisfaction, and a moderate negative correlation between job satisfaction and turnover intention. The simple regression analysis showed that P-O fit is a significant predictor of job satisfaction and both P-O fit and job satisfaction were significant predictors to turnover intention. Bootstrapping test revealed a statistical support for the indirect effect of P-O fit on turnover intention through job satisfaction. Moreover, the results of multistage regression analysis confirm that job satisfaction significantly mediated the relationship between P-O fit and turnover intention as a full mediator. The results and implications of the study are discussed and recommendations for future research are addressed. Normal 0 false false false EN-US X-NONE X-NONE /* Style Definitions */ table.MsoNormalTable {mso-style-name:Table Normal; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-parent:; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin-top:0cm; mso-para-margin-right:0cm; mso-para-margin-bottom:8.0pt; mso-para-margin-left:0cm; line-height:107%; mso-pagination:widow-orphan; font-size:11.0pt; font-family:Calibri,sans-serif; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:Times New Roman; mso-bidi-theme-font:minor-bidi; mso-ansi-language:EN-US; mso-fareast-language:EN-US;}

PENGARUH EMOTIONAL DAN SPIRITUAL QUOTIENT TERHADAP PRESTASI KERJA PEGAWAI BANK SYARIAH MANDIRI CABANG MALANG DIMEDIASI ORGANIZATIONAL CITIZENSHIP BEHAVIOR

Abstract: This research aims to know the influence of emotional quotient to job performance; the influencespiritual quotient to job performance; to know organizational citizenship behavior mediated emotional quotientand spiritual quotient to job performance. This research was explanatory research. The population in thisstudy are 155 employees of PT Bank Syariah Mandiri Malang and the number of samples are 61 employees.Research results revealed that emotional quotient has no effect directly to job performance; spiritual quotienthas no effect directly to job performance; OCB is not able to mediate emotional quotient to job performanceand OCB was able to mediate the spiritual quotient to job performance.

SISTEM REKRUTMEN KARYAWAN PADA PT. BANK SYARIAH MANDIRI CABANG BONE

This artickel discusses the system of recruitment of an employee at PT Bank Syariah Mandiri Branch Bone. One of the activities that are important in the management of human resources is a recruitment of employees. If in terms of recruitment of insufficient surely will result in employees who are not qualified in accordance with the company's expectations. Subject matter in the study is how the system of recruitment, selection, and placement of an employee at PT Bank Syariah Mandiri Branch Bone. The purpose of this research is to know the system of recruitment of an employee at PT Bank Syariah Mandiri Branch Bone. This type of research is a qualitative descriptive study, methods of data collection consists of observation, interviews, and documentation, data processed with three stages namely reduction data, data verification and interpretation of the data by analysis approach sociological, and philosophical approach. The research found that the system 1) recruitment of employees at PT Bank Syariah Mandiri Branch Bone based on the analysis of the needs of employees, the recruitment process is carried out by means of: a) the preparation of the strategy of recruiting, b) search applicants-applicants, c) allowance for applicants-applicants that are not relevant or that don't match and the creation of groups of applicants. In the process of recruiting employees at PT Bank Syariah Mandiri Branch Bone yet it all fits with the theory that there is, especially in terms of employee experience more diutakan than the scientific background is concerned, have not put forward analysis feasibility and appropriateness with the Shariah-compliant management approaches include shiddi > q, ama > well, fat} a > well, and tabligh.

THE EFFECT OF KNOWLEDGE OF MANAGEMENT, KNOWLEDGE OF INFORMATION SYSTEM AND ASSERTIVENESSON TRANSFORMATIONAL LEADERSHIP

The objective of this research is to study the direct effects of knowledge of management, knowledge of information system, and assertiveness on transformational leadership of department head at PT Bank Syariah Mandiri Head Office. Quantitative method was used in this research as well as Survey Method. The data were obtained by distributing questionnaire and test, and were analyzed by using descriptive and inferential analysis with path analysis approach. This sample of this research were sixty respondent from the population of one hundred and fifty department head and selected by simple random sampling.The study finding are follow: (1)there is a direct effect of knowledge of management on transformational leadership capability, (2)there is a direct effect of knowledge of information system on transformational leadership capability, (3)there is a direct effect of assertivenesson transformational leadership capability, (4) there is a direct effect of knowledge of management on assertiveness, (5) there is a direct effect of knowledgeof information system on assertiveness. As a conclusion, the transformational leadership can be enhanced by knowledge of management, knowledge of information system, and assertiveness.

THE EFFECT OF KNOWLEDGE OF MANAGEMENT, KNOWLEDGE OF INFORMATION SYSTEM AND ASSERTIVENESSON TRANSFORMATIONAL LEADERSHIP

The objective of this research is to study the direct effects of knowledge of management, knowledge of information system, and assertiveness on transformational leadership of department head at PT Bank Syariah Mandiri Head Office. Quantitative method was used in this research as well as Survey Method. The data were obtained by distributing questionnaire and test, and were analyzed by using descriptive and inferential analysis with path analysis approach. This sample of this research were sixty respondent from the population of one hundred and fifty department head and selected by simple random sampling.The study finding are follow: (1)there is a direct effect of knowledge of management on transformational leadership capability, (2)there is a direct effect of knowledge of information system on transformational leadership capability, (3)there is a direct effect of assertivenesson transformational leadership capability, (4) there is a direct effect of knowledge of management on assertiveness, (5) there is a direct effect of knowledgeof information system on assertiveness. As a conclusion, the transformational leadership can be enhanced by knowledge of management, knowledge of information system, and assertiveness.

Analisis Faktor dalam Pengambilan Keputusan Nasabah Memilih Produk Pembiayaan Perbankan Syariah (Studi Kasus pada PT Bank Syariah Mandiri Cabang Ciputat)

The purpose of this study are to determine (a) the factors that influence client's decision while choosing the financial products and (b) factors which have dominant influence to client's decision on financing in PT Bank Syariah Mandiri, Ciputat. The population in this study are all people who doing business in Ciputat and customers who need finance from Bank Syariah Mandiri, Branch of Ciputat. By using convenience sampling methods, this research has been generated 100 respondents. This research used factor analysis to analyze the datas. The results indicate that the marketing mix variable has the highest value of loading factor in the decision making process.

STUDI IMPLEMENTASI AKUNTANSI PRODUK EMAS MENURUT PSAK 107 DAN 102 PADA PT BANK SYARIAH MANDIRI TBK CABANG JEMBER

This research aims to know the implementation of accounting<br />gold products at PT Bank Syariah Mandiri Tbk Branch Jember<br />that BSM gadai emas and BSM cicil emas based on PSAK 107<br />and 102. This research is a descriptive qualitative research, a<br />method that is done is to interpret and said data concerned<br />with the current situation, attitudes, and opinions that occur in<br />the community, conflict two states / more, the relationship<br />between the variables, the difference between fact, the effect of<br />the condition, and others. Data processing method using<br />interviews and accompanied with documents related to the<br />validity of the data that is triangulation. The results showed<br />that the accounting treatment that contains the recognition,<br />measurement, presentation and recognition of BSM gadai<br />emas products are in accordance with PSAK 107 and BSM cicil<br />emas products are already in accordance with PSAK 102.

ANALISIS PERBEDAAN RASIO KEUANGAN PT BANK MANDIRI TBK DAN PT BANK SYARIAH MANDIRI TBK PERIODE 2010-2014

The purpose of this study was to determine the Bank’s fnancial performance for the Islamic and Conventional Banks each fnancial ratio over a period of 5 years for the years 2010 to 2014. Financial ratios used in this study consisted of CAR, NPL, NIM, ROE, BOPO. As for the purpose of this study was to examine differences in fnancial ratios of PT Bank Mandiri Tbk and PT Bank Syariah Mandiri Tbk period 2010-2014. This study uses a quantitative approach to the type of comparative research. The data used in this research is time series data. Based on the criteria determined sample, the obtained two research groups are represented by the Islamic Bank PT Bank Syariah Mandiri Tbk and Bank Conventional represented by PT Bank Mandiri Tbk. The analytical tool used to prove the hypothesis in this study was independent sample t-test. The results of the study with the tools SPSS version 16.0 concluded that the average (mean) ratio of NIM and ROE PT Bank Syariah Mandiri Tbk better performance than PT Bank Mandiri Tbk, while the average yield (mean) CAR, NPL and BOPO PT Bank Mandiri Tbk showed better performance than PT Bank Syariah Mandiri Tbk. While the views of the results of hypothesis testing with different test (independent sample t-test) showed a signifcant difference in the CAR, NPL, ROE and BOPO. As for the ratio of NIM is not a signifcant difference. Keyword: CAR, NPL, NIM, ROE, BOPO

ANALISIS FAKTOR DALAM PENGAMBILAN KEPUTUSAN NASABAH MEMILIH PRODUK PEMBIAYAAN PERBANKAN SYARIAH (Studi Kasus Pada PT Bank Syariah Mandiri Cabang Ciputat)

Redundant submitting by the author, this article retracted by Editor--This study aims to determine (a) the factors that influence a client's decision to choose the financial products and (b) Which factors most dominant influence a client's decision in choosing financing in PT Bank Syariah Mandiri Branch Ciputat. The population in this study are all people who have a business in Ciputat and customers who visit the Bank Syariah Mandiri Branch Ciputat to finance. Convenience sampling method selected 100 of the people who have businesses and customers who visited the Bank Syariah Mandiri Branch Ciputat. Test analysis used in this study is to test the factor analysis. Tthis study show that (a) the factors that influence a client's decision in choosing a loan product Bank Syariah Branch Ciputat consists of five factors formed and (b) the most dominant factor influencing the customer's decision in choosing a loan product Bank Syariah Branch Ciputat is factor process (X7). Keywords: Keputusan nasabah, bauran pemasaran jasa, ekuitas merek, karakteristik dan perilaku nasabah--Redundant submitting by the author, this article retracted by Editor--

Analisis Perbandingan Kinerja Keuangan antara Bank Syariah dan Bank Konvensional (Studi Kasus pada Bank Syariah Mandiri dan Bank Mandiri)

This study aims to analyze the performance of Sharia Bank and ConventionalBank viewed from financial ratio and to find the significant difference comparedto the performance of Islamic Bank and Conventional Banks viewed from financial ratio. This is a quantitative research. The data were taken from banks that published annual financial reports namely PT Bank Syariah Mandiri and PT. Bank Mandiri from 2011 to 2015. The analysis technique used in this research is financial ratio and t test. The results of this study showed that there is a significant difference between the performance of PT. Bank Syariah Mandri compared with PT. Bank Mandiri and, PT. Bank Syariah Mandiri has a better performance compared to that of PT. Bank Mandiri

Analysis of Social Responsibility Implementation Plan to Profitability Companies in Bank Syariah Mandiri

This paper aims to describe Corporate Social Responsibility (CSR) is one of concern for a company on the environment. Currently CSR aims to maximize profits but are also required to better accommodate the needs of the community and its stakeholders. This study was conducted to provide empirical evidence of the influence of CSR to the company's profitability. Research was conducted on PT Bank SyariahMandiri. The Data used are the financial statements issued by the company each year during the period 2002-2013. This study uses a simple regression analysis results showed that during the period 2002-2013 cooperated with LAZNAS BSM BSM/organization partners in the distribution of alms fund companies and the implementation of programs that are Humanity. The program routine that has been Carried out Independently of Islamic banks is synergy Together LAZNAS, who consistently implement the People Partner program, Micro Development, development and economic empowerment of the people through the capital assistance, training and mentoring of individual businesses, educational assistance (scholarships) to Reviews those in need, help is Also included learning facilities, Community Development Program, Religious, Public Facility etc. Moreover in this study indicate that the implementation of CSR.

ANALISIS FAKTOR SOSIAL BUDAYA DAN PSIKOLOGIS YANG MEMPENGARUHI KEPUTUSAN NASABAH MEMILIH PEMBIAYAAN PADA WARUNG MIKRO (Studi pada PT Bank Syariah Mandiri Cabang Banjarmasin)

This study aims to find out and to analyze: (1) the influence of socio-cultural and sychological factors that influence customer decisions in choosing micro inancing in PT Bank Syariah Mandiri, Banjarmasin Branch, and (2) which Socio-cultural and psychological factors influence the clients’ decisions in choosing microfinance in PT Bank Syariah Mandiri and which factors are more dominant. The background of this research is to examine some of the results of previous researchers who claim that religious factors greatly influence the decisions in selecting the products of Islamic banks, while other researchers claim that economic factors are more dominant in deciding the selection of the products of Islamic banks. The results of this study indicate that religious, economic, reference groups, family, social class, motivation, learning and memory factors have significant influence in the decision making of microfinance BSM election, while cultural factors and perceptions do not affect the decision makings. The dominant factor in the selection of decision making of microfinance BSM is a religious factor. The results of this study are expected to be useful for Islamic banks in setting promotional strategies to improve the customer’s decision in choosing the financing of Islamic banks. Keywords : Customer Decisions, Social and Cultural Factors, Psychological Factors, Religious Factor, Microfinance, Islamic Banking

The Overview of Islamic Law on the Revenue and Distribution of Non-Halal Fund in PT Bank Syariah Mandiri

Islamic banking is a financial institution that has the function of operating as a collector and distributor of funds, as well as banking services provider that is based on Islamic law that increases the standard of people's economic and social goals. This has been done for example to distribute and manage infaq and shadaqah through qardhul hasan. It is the principle of loans to the needy and restores the principal amount received at a predetermined time. In the Islamic financial institutions, reports qardhul hasan funds are separately presented in the statement of sources and uses of funds qardhul hasan in which there are components of the recognition and measurement of the sources of the funds obtained and the use of funds qardhul hasan. Judging from acceptance, funding sources of virtue or commonly referred to qardh funds can come from external or internal. Internal funding sources include infaq, sadaqah, and hibah (grant). External funding sources include funds received qardh business entities of other parties such as fines and results of non-halal revenue funds e.g. bank interest and so forth. Non-halal revenue received from other entities with the utilization of funds there is a rule of akhaffu dhararain (take harm smaller) when compared with the fund if there and utilized by financial institutions of non-Muslims.

ANALISIS PERKEMBANGAN JUMLAH PEMBIAYAAN MUDHARABAH DAN MURABAHAH SERTA RASIO PROFITABILITAS PADA BANK SYARIAH MANDIRI CABANG MAKASSAR

The purpose of this study is to analyze the effect of profit sharing financing and partial sale financing on profitability level -Return On Asset (ROA) - PT Bank Syariah Mandiri Makassar Branch with the purpose To examine the effect of financing the results and partial sale financing to the level of profitability -Return On Asset (ROA) - PT Bank Syariah Mandiri Makassar Branch. Data collection using documentation while the type of data used is quantitative data sourced from company reports. The data obtained were analyzed using multiple regression statistical analysis. Based on the results of partial significance test data processing (Test-t) obtained that the variables of profit sharing (X1) and buying and selling (X2) have a significant influence on the dependent variable (ROA). Meanwhile, based on hypothesis test result simultaneously (F test) where H0 is rejected which means that independent variables (financing of profit sharing and selling pattern) have a significant influence together to dependent variable (ROA).