PT Bank Research Articles

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

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

Analysis of Liquidity Ratio, Profitability Ratio and Solvency Ratio as a Tool in Measuring Financial Performance in PT Bank Mandiri (Persero) Tbk

This study aims to analyze the liquidity ratio, profitability ratio and solvency ratio as a tool in measuring financial performance at Bank Mandiri (Persero) Tbk for the period 2018-2022. The research method used is financial ratio analysis with a focus on Current Ratio, Loan to Deposit Ratio (LDR), return on asset (ROA) ratio, operating expenses to operating income (BOPO), CAR (Capital Adequacy Ratio) and DER Ratio (Debt to Equity Ratio). Overall the results showed that the financial performance of PT Bank Mandiri (Persero) Tbk was classified as healthy in terms of liquidity and solvency. However, the profitability of PT Bank Mandiri (Persero) Tbk still needs improvement.

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

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

Pengaruh Disiplin Kerja dan Pengembangan Karir Terhadap Kinerja Karyawan Pada PT Bank Tabungan Negara Kantor Cabang Jakarta Melawai

Company performance is very dependent on the employees themselves. Therefore, personnel requires a lot of attention from management, one of wich is the discipline of each employee, work performance, and career development potential. The research method used is descriptive quantitative. With a sample size of 70 people. Data collection techniques using observation, interviews, questionnaires and documentation. The results of the research show that there is a partially significant influence between work discipline on employee performance, this is proven based on the results of partial tests or examinations with a total probability value of 0.000 < 0.05 and a calculated t value. > t table namely r 5.287 > 1.99601. There is a partially significant influence between career development and employee performance, this is proven based on the results of partial tests or examinations with a probability value of 0.000 < 0.05 and a calculated value > t table, namely 4.213 > 1.99601. There is a significant and simultaneous influence between work discipline and career development on employee performance at PT Bank Tabungan Negara Jakarta Melawai Branch Office, this is proven based on the results of F tests or simultaneous tests with a total probability value of 0.000 < 0.05 and a calculated F value. > F table is 71.627 > 3.13.

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

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

The Impact of Promotional Strategies on Customer Decisions to Save at PT Bank Sumut KCP USU

This research examines how PT Bank Sumut KCP USU's promotion strategy affects customers' decisions to save. The study's population consists of 12,650 customers of PT Bank Sumut KCP USU. Using the Slovin formula, 100 participants were selected for the sample. The data analysis approach employed multiple linear regression analysis, including statistical tests (F, T, and determination coefficient) and tests for classical assumptions (normality, multicollinearity, autocorrelation, and heteroscedasticity). The normalcy test using Kolmogorov-Smirnov found that the data distribution is normal. There were no signs of heteroscedasticity, autocorrelation, or multicollinearity. The regression analysis revealed a partially positive and significant influence from advertising and direct marketing, and a partially positive but non-significant effect from sales promotion, public relations, and personal sales. An R-squared value of 0.488 indicates that the independent variables explain 48.8% of the variance in the dependent variable, with the remaining 51.2% attributed to factors not included in the regression model

The Influence of Macroeconomic Variables on Non-Performing Loan (NPL) at PT Bank Mandiri (Persero) Tbk

In recent years, Bank Mandiri's non-performing loan (NPL) ratio has been on a relatively stable decline until the COVID-19 pandemic in 2020 quarter I put pressure on the Indonesian economy. Since then, Bank Mandiri's NPL ratio has increased significantly due to the global economic recession that also occurred in Indonesia in 2020 quarter III. This study aims to analyse the effect of macroeconomic variables such as gross domestic product, inflation, interest rates, and exchange rates on non-performing loans (NPL) specifically at Bank Mandiri. This study uses secondary data in the form of historical data of related variables and Vector Error Correction Model (VECM) to estimate the dynamics of long-term and short-term relationships between variables. The results of this study indicate that macroeconomic variables such as BIRATE, INF, and LNPDB significantly affect Bank Mandiri's NPLs in the long-run dynamics, while LNKURS is statistically significant in the short-run dynamics. Keywords: Macroeconomic, Non-Peforming Loan, VECM

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.

Impact Of Implementation and Operational Efficience on the Profitability of Indonesia's Principal Bank Period 2014-2023

The purpose of this article is to discuss the influence of problematic financing and operational efficiency on Bank Muamalat Indonesia's profitability for the 2014-2023 period. This article is a type of descriptive quantitative research. The research population is the financial report of Bank Muamalat Indonesia, while the research sample is the financial report of Bank Muamalat Indonesia for 2014-2023. The research data used is secondary data obtained from the official website using library study techniques. Next, the data was analyzed through descriptive tests, classical assumption testing, multiple linear regression analysis, and hypothesis testing. The analysis findings state that problematic financing and operational efficiency have a significant influence on the profitability of PT Bank Muamalat Indonesia. The research results have implications for banks which must manage their assets wisely, especially in financing to minimize risks, streamline operational funds, and carry out controls in their applications, so that banks can get maximum profits.

The Influence of Pricing Rate and Credit Procedures on Home Purchase Decisions with Purchase Intention as a Mediating Variable (Case Study of Pt. Bank Cimb Niaga Bogor Branch)

This study investigates the impact of pricing rates and credit procedures on home purchase decisions, focusing on PT Bank CIMB Niaga Bogor Branch, with purchase intention serving as a mediating variable. Through empirical analysis and discussion, several key findings emerge. Firstly, pricing rates significantly influence home purchase decisions, indicating that competitive pricing strategies attract potential buyers. Secondly, efficient credit procedures positively affect purchase decisions by facilitating smoother transaction processes for consumers. Additionally, both pricing rates and credit procedures independently contribute to enhancing purchase intention among buyers. Importantly, purchase intention plays a critical role as it mediates the relationship between pricing rates, credit procedures, and final purchase decisions. These findings underscore the interconnectedness of pricing strategies, credit facilitation, purchase intention, and actual purchase behavior in the housing finance sector, providing valuable insights for strategic decision-making in banking institutions.

Pengaruh Loan to Deposit Ratio, Capital Adequacy Ratio, dan Return On Equity Terhadap PT.Bank Central Asia Tbk Periode 2017-2022

This research aims to determine and analyze the influence of the Loan to Deposit Ratio, Capital Adequacy Ratio, and Return on Equity on the share price of PT Bank Central Asia Tbk for the 2017-2022 period. This research uses a quantitative method with an associative approach which aims to determine the influence of the independent variable on the dependent variable and how big the influence of two or more variables is. The type of data used is quantitative data with secondary data sources consisting of financial report data from PT. Bank Central Asia Tbk 2017-2022 period. The analytical method used is multiple linear regression, t test and f test to obtain results regarding the influence of the independent variable on the dependent variable. The research results show that partially the Loan to Deposit Ratio is positive but not significant, the Capital Adequacy Ratio partially has a significant negative effect while the Return On Equity has a significant positive effect. Meanwhile, simultaneously the Loan to Deposit Ratio, Capital Adequacy Ratio and Return On Equity together -the same has a positive and significant effect.

The Effect Of Work Environment And Job Characteristics On Turnover Intention With Job Satisfaction As A Mediating Variable At Pt Bank Lampung

The role of human resources is very important for company productivity. Factors such as work environment, job characteristics, and job satisfaction are important factors to emphasize employee turnover intention in the company. This research aims to determine the influence of the work environment and job characteristics on turnover intention, through job satisfaction among PT Bank Lampung workers. The data source in this research is primary data. Data collection was carried out through questionnaires to 245 respondents who were selected based on the Stratified Random Sampling technique and processed using AMOS software. The results of this research show that the work environment has a positive and significant effect on employee job satisfaction, the first hypothesis is supported. Job characteristics have a positive and significant effect on job satisfaction, the second hypothesis is supported. The work environment does not have a negative and significant effect on turnover intention, the third hypothesis is supported. Job characteristics are negative and not significant on turnover intention, the fourth hypothesis is not supported. Job satisfaction has a positive and significant effect on turnover intention, the fifth hypothesis is not supported. Job satisfaction mediates the influence of the work environment on turnover intention, the sixth hypothesis is supported. Job satisfaction mediates the influence of job characteristics on turnover intention, the seventh hypothesis is supported. Suggestions that can be given to PT. Bank Lampung in terms of working hours, job autonomy, salaries/wages given to workers which need to be paid attention to by the company so as to increase feelings of job satisfaction and emphasize employee turnover intention.

Pengaruh Promosi dan Fitur Seabank terhadap Kepuasan dan Loyalitas Pelanggan Mahasiswa/i FEBI UIN SMH Banten

The aim of this research is to analyze the influence of Seabank promotions and features on the satisfaction and loyalty of FEBI UIN SMH Banten students. Seabank is a digital banking application that provides convenience and comfort in managing your finances anytime, anywhere, from saving to doing various things on your smartphone. PT Seabank Indonesia (Seabank) was previously known as PT Bank Welfare Economics (BKE). After receiving ownership of the Shopee Company, the company name was changed to Seabank on February 10 2021. Based on KEP-12/PB.1/2021 Deputy Commissioner for Banking Control (OJK) of the Financial Control Authority regarding the allocation of use of activity permits in the name of PT. Economic Welfare Bank establishes a business license in the name of PT Bank Seabank Indonesia. The focus of this research is to examine Seabank's offers and features as independent variables and customer satisfaction and loyalty as dependent variables. This study uses a quantitative approach. The main data used consisted of 30 respondents. Apart from that, this research material was processed using the SPSS version 25 computer program. The research results show that Seabank promotions and features do not have a positive impact on customer satisfaction and loyalty, especially for FEBI UIN SMH Banten students.

The Impact of Information Technology Sophistication, Management Participation, and Accounting Information Systems on Employee Performance

This study investigates the impact of information technology sophistication, management participation, and accounting information systems on employee performance at PT Bank in Medan. Utilizing a quantitative approach, the research focuses on theoretical testing by quantifying research variables and analyzing the data with statistical methods. Data analysis is conducted using SPSS version 20, which includes validity, reliability, normality, multicollinearity, heteroscedasticity, t-tests, F-tests, and R² tests. The findings reveal that information technology sophistication does not significantly influence employee performance at PT Bank in Medan. Similarly, management participation does not have a substantial effect on employee performance. However, accounting information systems do significantly impact employee performance. The results show an R Square value of 20.5%, suggesting that 20.5% of the variance in employee performance can be attributed to information technology sophistication, management participation, and accounting information systems, while the remaining 69.5% is due to other factors not included in this study.

Analysis of the Promotion Mix Strategy on the Number of Martabe Savings Customers at PT Bank Sumut, Tembung Branch Office

The subject of this research is "Analysis of Promotion Mix Strategies on the Number of Martabe Savings Customers PT Bank SUMUT Tembung Branch Office." To formulate the problem, this study seeks to determine the following: (a) the relative importance of advertising variables in determining the number of Mart-Abe Savings customers; (b) the relative attractiveness of personal sales in increasing Mart-Abe Savings customers; (c) the relative importance of the Promotion Mix Strategy in influencing the number of Mart-Abe Savings customers; and (d) the role of the Strategy's Promotion Mix in increasing Mart-Abe Savings customers. The goals of this research were to ascertain the relative importance of advertising variables in influencing Martabe Savings customer numbers, to ascertain the relative attractiveness of personal sales in boosting customer numbers, to ascertain the impact of the Promotion Mix Strategy on customer numbers, and to ascertain the function of the Promotion Mix Strategy in boosting customer numbers. We use SPSS 20 for data processing. Both primary and secondary data are used as sources of information. To preserve Martabe, surveys are sent to consumers as a means of data collection. According to the study's findings, a promotional mix strategy can only succeed by including the following elements: advertising, sales promotion, personal sales, publicity, and direct marketing. With these components, the strategy is likely to attract customers.

Pengaruh Digital Marketing, Word of Mouth dan Persepsi Kemudahan terhadap Keputusan Penggunaan dalam Aplikasi Mobile Banking Livin by Mandiri di PT Bank Mandiri (Persero) Tbk KCP Cikarang Jababeka

PT Bank Mandiri (Persero) is a banking company that was restructured from several state banks, namely Bumi Daya Bank, State Trade Bank, Export Import Bank and Indonesian Development Bank. This research, entitled the influence of digital marketing, word of mouth, and perceived ease of use on usage decisions in the Livin by Mandiri mobile banking application, is quantitative research with a survey approach via questionnaires. The population in this study were customers of Bank Mandiri KCP Cikarang Jababeka. The sample used in this research was 100 respondents. The sampling used in this research used a simple random sampling technique, namely a technique for taking sample members from the population randomly without paying attention to the overall level. The results of the research show that digital marketing does not have a significant influence on the decision to use Livin by Mandiri mobile banking for Bank Mandiri KCP Cikarang Jababeka customers, word of mouth has a significant influence on the decision to use Livin by Mandiri mobile banking for Bank Mandiri customers KCP Cikarang Jababeka, perception of ease of use significant influence on the decision to use Livin by Mandiri mobile banking for Bank Mandiri KCP Cikarang Jababeka customers.

Stock Valuation of PT. Bank ABC Tbk.

PT Bank ABC Tbk aspires to be one of the top 10 global sharia banks in 2025 in terms of market capitalization. As of December 2023, PT. Bank ABC Tbk ranks 13 with 5,18 billion USD in market capitalization. This research aims to examine PT. Bank ABC Tbk stock by using Discounted Cash Flow (DCF) through Free Cash Flow to Equity (FCFE), and Relative Valuation method through the Price to Book Value (PBV), and to determine whether the stock is undervalued or overvalued. According to Free Cash Flow to Equity (FCFE) valuation result, the intrinsic value per share of PT. Bank ABC Tbk is Rp 37.497 per share, while its share price as of 31 December 2023, is Rp 1.740, indicating that the stock of PT. Bank ABC Tbk is undervalued by the market. This means that the market has not completely recognized the PT. Bank ABC Tbk ‘s ability to generate future cash flows. PT. Bank ABC Tbk’s undervalued stock offers the possibility of returns for the potential investor as the share price rises over time to reflect the intrinsic value per share. The company’s Price to Book Value (PBV) is 2.07, while the PBV of the average of the company’s peers is 2.72. This means PT Bank ABC Tbk is undervalued ie. the share is underpriced compared to the average of its peers. Based on the result, this research recommends to buy the stock of PT. Bank ABC Tbk because it is undervalued based on FCFE and based on PBV.

Analysis Overconfidence, Herding, and Anchoring in Investment Decisions Among ESOP at PT Bank Central Asia

This This study aims to determine the influence of behavioral finance or psychological bias on investment decisions made by Employee Stock Ownership holders of PT Bank Central Asia. Tbk focuses on variables such as overconfidence, herding, and anchoring. This research is based on qualitative data and uses multiple linear regression for its analysis and research tools using SPSS. This research questionnaire was spread across 155 holders of Employee Stock Ownership of PT Bank Central Asia.Tbk. The results showed that overconfidence and anchoring have a significant effect on influencing investment decisions. Overconfidence has the most significant influence on decision-making while herding has a more moderate influence. This research is expected to help understand what factors can influence investment decisions and can help to make better decisions and avoid potential biases that can lead to suboptimal results.

ANALYSIS OF PRIORITY BANKING OFFICER (PBO) MARKETING STRATEGY IN INCREASING THE NUMBER OF PRIORITY CUSTOMERS VIEWED FROM A MAQASHID SYARIAH PERSPECTIVE: BANK SUMUT KC SYARIAH PADANGSIDIMPUAN

Maintaining the excellence of PT Bank Sumut KC Syariah Padangsidimpuan requires an effective marketing strategy to be implemented in order to realize a competitive advantage and achieve predetermined targets in the marketing process. Bank Sumut KC Syariah Padangsidimpuan certainly has goals and strategies with Sharia-based purposes (Maqashid Sharia) or is more than merely material. In this context, the target in question is Priority Customers. This writing analyzes the Priority Banking Officer's marketing strategy for increasing the number of priority customers at PT. Bank Sumut KC Syariah Padangsidimpuan is reviewed from a Maqashid Syariah perspective. The research method used is descriptive-qualitative. The data collection techniques in this research were observation, interviews, documentation, and literature. Moreover, researchers used descriptive analysis techniques. The result of this writing is that PT. Bank Sumut KC Syariah Padangsidimpuan, in implementing marketing strategies to increase the number of customers, applies the Marketing Mix 7P component. Marketing Mix is a tool for marketers consisting of various marketing program elements (product, price, promotion, place, people, process, and physical evidence) that must be considered to implement the determined marketing strategy. Bank Sumut KC Syariah Padangsidimpuan, in carrying out the marketing mix strategy, contains Maqashid Syariah principles containing sharia values ​​that are by sharia objectives (Maqashid Syariah). The marketing mix aspect (product, price, promotion, place, people, processes, and physical evidence) contains sharia values ​​by the 5 principles of maqashid sharia (sharia goals), namely protecting religion, soul, will, descendants, and property.

Pengaruh Dana Pihak Ketiga (DPK), Non Performing Loan (NPL) Dan Loan To Deposit Ratio (LDR) Terhadap Penyaluran Kredit (Pada PT. Bank Perkreditan Rakyat di Kabupaten Bogor Periode 2018-2022)

The aim of this research is to determine the influence of Third Party Funds (DPK), Non-Performing Loans (NPL), and Loan to Deposit Ratio (LDR) on partial and simultaneous credit distribution at PT Bank Perkreditan Rakyat in Bogor Regency for the 2018-2022 period. and To find out how much contribution Third Party Funds (DPK), Non Performing Loans (NPL), and Loan to Deposit Ratio (LDR) have made to partial and simultaneous credit distribution at PT Bank Perkreditan Rakyat in Bogor Regency for the 2018-2022 period. This research uses a quantitative research design with a causal relationship approach. In this research, credit distribution is the dependent variable. Meanwhile, the independent variables in this research are Third Party Funds (DPK), Non-Performing Loans (NPL), and Loan to Deposit Ratio (LDR). The research results show that based on the calculation of the coefficient of determination (R Square), a value of 0.887 is obtained. This result means that there is a contribution of 88.7% from the independent variables Third Party Funds (DPK), Non Performing Loans (NPL), and Loan to Deposit Ratio (LDR) to credit distribution at PT Bank Perkreditan Rakyat in Bogor Regency for the 2018 period. -2022.