PENGARUH BAURAN PEMASARAN TERHADAP KEPUTUSAN MENJADI NASABAH PT. BANK NEGARA INDONESIA (PERSERO) TBK KANTOR CABANG PEMBANTU MARTAPURA

This research aims to obtain the results of an analysis of the influence of the marketing mix on the decision to become a customer of PT. Bank Negara Indonesia (Persero) Tbk Martapura Sub-Branch Offices partially and simultaneously. The research methods using quantitative and qualitative approaches, field data collection using questionnaire and interview techniques. The population in this study was 138 customers who opened a savings account at BNI KCP Martapura in April 2020 and samples were 138 respondents. Testing the data using the t test, that the product has no significant effect on the decision to become a customer with t count 1.901 < t table 1.978, price does not significantly influence the decision to become a customer with t count -0.507 < t table 1.978, promotion does not significantly influence the decision to become a customer with t count 1.826 < t table 1.978, place has a significant effect on the decision to become a customer with t count 3.790 > t table 1.978, people / bank officer have a significant effect on the decision to become a customer with t count 2.771 > t table 1.978, physical evidence do not have a significant effect on the decision to become a customer with t count 1.276 < t table 1.978 and the process has no significant effect on the decision to become a customer with t count 1.650 < t table 1.978. The F Test Results that the product, price, promotion, place, people / bank officer, physical evidence and process simultaneously have a significant effect on the decision to become a customer with an F count of 35.055 > F table 2.08. The results showed that the marketing mix variable that had the most significant effect on the decision to become a customer was the place variable. Strategies to increase the interest of prospective customers can be done by maintaining and improving strategic locations that are already owned and improving the skills and abilities of service personnel

Rancang Bangun Sistem Informasi Pada Tabungan Bank Sampah Bantur Berseri

AbstrakBank Sampah Bantur Berseri merupakan tempat menabung dimana seseorang menggunakan sampah sebagai tabungan dan sampah yang ditabung dikonversikan menjadi nilai uang. Sampah tersebut sudah ditetapkan harga oleh petugas bank sampah. Permasalahan pada bank sampah Bantur Berseri adalah petugas masih sering kerepotan dalam hal transaksi tabungan dan pembuatan laporan.Selain itu harga sampah dan jenisnya sering tertukar karena sering berubah. Petugas juga kesulitan dalam hal pencarian data nasabah serta tidak adanya backup data yang baik pada tabungan nasabah. Pada penelitian ini solusi yang diusulkan yaitu pembuatan sistem informasi pada tabungan bank sampah Bantur Berseri agar dapat membantu pengelolaan data transaksi nasabah sehingga adminstrasi lebih teratur, pencarian data lebih mudah dan arsip laporan lebih rapi. Pengembangan sistem menggunankan metode prototype.ttAbstract Bantur Berseri Waste Bank is a place to save where someone uses garbage as savings and the waste that is saved is converted into money value. The waste price has been set by the garbage bank officer. The problem with the Bantur Berseri garbage bank is that the officers are still often troubled in terms of savings transactions and reporting. In addition, the price of garbage and its types is often confused because it changes frequently. Officers also have difficulties in finding customer data and there is no good data backup on customer savings. In this study, the proposed solution is the creation of an information system in the savings bank of Bantur Berseri bank so that it can help manage customer transaction data so that administration is more organized, data search is easier and the report archive is neater. System development uses the prototype method.

Analisis Prediksi Kondisi Financial Distress Debitur Pasca Erupsi Gunung Sinabung

One of the factors causes financial distress is a natural disaster such as Eruption of Sinabung in Karo. By using the financial’s debtor performance (financial ratios), Bank officer has an analyzing system to detect the ability of the debtor to pay their liabilities. The aim of this research is to design prediction model and analyze whether Working Capital to Total Asset, Sales to total Asset, Total Debt to Total Asset, Total Debt to Total Equity, and Earning Before Interest and Taxes to Total Asset have significant influence to predict the financial distress or non financial distress of debtor while the Sinabung eruption is happening. The analysis method using Binary logistic with dummy data on the dependent variable. The result shows that only Total Debt to Total Asset has positive and significant effect to predict the probability of debitor’s financial distress. The possibility of predictions accurate is about 86,7%. The value Nagelkerke R Square is 67,8 % which indicates that the variation of financial distress and non financial distress’s probability can be explained by variation of Working Capital to Total Asset, Sales to total Asset, Total Debt to Total Asset, Total Debt to Total Equity, and Earning Before Interest and Taxes to Total Asset. While 32,2 % can be explained by others factor exclude of the research.

PENGARUH KOLEKTIVISME, KOMITMEN ORGANISASI, DAN PENALARAN MORAL TERHADAP INTENSI MELAKUKAN WHISTLEBLOWING PADA PT. BANK BRI (Persero), Tbk. CABANG BENGKULU

This research aims to examine the effect of collectivism, organizational commitment, and moral reasoning on whistleblowing intention. The primary data of this research are collected from bank officer at Bank BRI Bengkulu Branch by using a survey approach. The questionnaire distributed to 60 respondents, but only 52 questionnaires that can be analyzed or processed. Analysis of the data in this study using analyzed multiple regression analysis. The result of the research showed that: (1) collectivism has a positive effect on whistleblowing intention, (2) organizational commitment does not affect on whistleblowingintention, and (3) moral reasoning has a positive effect on whistleblowing intention. This research is expected to help the banks, particularly Bank BRI Bengkulu Branch in designing strategies to increase their employees whistleblowing intention or in enhancing the institution’s whistleblowing system by paying attention to factors that influence whistleblowing intentions.Key words: whistleblowing intention, collectivism, organizational commitment, moral reasoning

AKTIVITAS PENGHIMPUNAN DANA TABUNGAN PADA PT. BANK PEMBANGUNAN DAERAH (BPD) SUMATERA BARAT CABANG UTAMA PADANG

The current economy is so much of a huge change, it can be seen from the growth of economic growth. As the economy grows, people need other parties to manage their finances, for example, banks. The purpose of this research is to know the activity of fund raising tabungan at PT. Bank Pembangunan Daerah (BPD) Sumatera Barat. fund accumulation activities conducted by PT. BPD Sumatra Barat is to appoint one of the officers of marketing funding division that operates spaciousness to meet directly with customers or people who want to open a new tabungan account or an old customer who wants to make a cash deposit through the bank officer in the field because the customer concerned can not come to bank directly, therefore the activity of fund raising in PT. BPD Sumbar Padang can be done directly and indirectly. in this case can be seen the development of tabungan and nominal balance tabungan on Pt. Bank Pembangunan Daerah (BPD) Sumatera Barat which experienced an increase in the period of 2013 - 2017 proves that the performance of marketing funding conducted by PT. Bank Pembangunan Daerah (BPD) Sumatera Barat can be said very well.