scholarly journals AKTIVITAS PEMASARAN TABUNGAN PADA PT. BANK PEMBANGUNAN DAERAH SUMATERA BARAT CABANG PEMBANTU TARUSAN

2020 ◽  
Author(s):  
Doni Marlius ◽  
Nurfazila
Keyword(s):  
Regional Development ◽  
Customer Service ◽  
Sales Promotion ◽  
Theory And Practice ◽  
Development Bank ◽  
The West ◽  
Bank Branch ◽  
West Sumatra ◽  
Marketing Activities ◽  
Regional Development Bank

The purpose of this study was to determine the product marketing activities at PT. West Sumatra Regional Development Bank Branch Assistant Tarusan. The data used in this study is to directly interview the parties involved in this case are the companies involved. In analyzing the data, the author uses quantitative data analysis method as a research method that explains in a description of the savings marketing activities at PT. West Sumatra Regional Development Bank Branch Assistant Tarusan. The method of analysis is reviewed from two different aspects, namely between theory and practice so that it can be seen the extent of the implementation, whether differences arise regarding the basic principles of the concept itself. Conclusion PT. The West Sumatra Regional Development Bank Branch of Tarusan, using marketing consisting of product policies, prices, promotions, places, people, processes, customer service. The type of product provided by PT. The West Sumatra Regional Development Bank Branch of Tarusan is a SIKOCI savings, current accounts, deposits. Promotion conducted by PT. Regional Development Bank of West Sumatra, Branch of Tarusan through advertising (advertising), sales promotion (sales promotion), personal sales (personal selling)

scholarly journals ANALISIS RASIO PROFITABILITAS PADA PT. BANK PEMBANGUNAN DAERAH SUMATERA BARAT CABANG UTAMA PADANG

2020 ◽  
Author(s):  
Doni Marlius ◽  
Sintia Pebriyana
Keyword(s):  
Financial Performance ◽  
Regional Development ◽  
Balance Sheet ◽  
Secondary Data ◽  
Development Bank ◽  
The West ◽  
Return On Equity ◽  
Average Return ◽  
West Sumatra ◽  
Regional Development Bank

The purpose of this study was to determine the level of health of the West Sumatra Regional Development Bank Padang Main Branch during 2018-2019. The type of data used is secondary data obtained by the documentation method taken from the West Sumatra BPD Main Branch bank publication report during the 2018-2019 period. This research was conducted using 2018-2019 financial statements, namely the balance sheet and income statement. Based on the analysis of profitability based on ROA can be categorized as good, this is based on the results of the calculation of the average return on assets for 2 years there is between 2.17% -1.88%. The financial performance of the West Sumatra Regional Development Bank Padang Main Branch during 2018-2019 based on ROE can be categorized as good, this is based on the results of the calculation of the average return on equity for 2 years between 4.5% -4.9%. The financial performance of BPD Bank Sumatera Barat Main Branch Padang during 2018-2019 based on BOPO can be categorized as good, this is based on the results of 2 years calculation between 77.8% - 77.6%. The financial performance of the Bank of West Sumatra Bank BPD Main Branch Padang during 2018-2019 based on NPM can be categorized as good, this is based on the results of the calculation of the average NPM for 2 years between 15.2% - 16.5%

scholarly journals AKTIVITAS PENGHIMPUNAN DANA PADA PT. BANK PEMBANGUNAN DAERAH SUMATERA BARAT CABANG PAINAN

2020 ◽  
Author(s):  
Romi Susanto ◽  
Yaumil Ratna Sari
Keyword(s):  
Data Analysis ◽  
Qualitative Methods ◽  
Regional Development ◽  
Research Method ◽  
Qualitative Data ◽  
Development Bank ◽  
Qualitative Data Analysis ◽  
West Sumatra ◽  
Regional Development Bank ◽  
Data Analysis Methods

This study aims to find out how the activities of raising funds at PT Bank of West Sumatra Regional Development Painan Branch of this study uses qualitative data analysis methods as a research method, where qualitative methods describe, understand and explain the data studied during the research took place at PT. West Sumatra Regional Development Bank Painan Branch. PT. West Sumatra Regional Development Bank Painan Branch is an institution engaged in the field of banking, by choosing bank products. Can be seen in the development of customers in collecting funds where most interested are in deposit products.

scholarly journals PENERAPAN MANAJEMEN RISIKO OPERASIONAL PADA UNIT TELLER PT. BANK PEMBANGUNAN DAERAH SUMATERA BARAT CABANG SITEBA

2020 ◽  
Author(s):  
jhon fernos ◽  
Tri Vellia Vatharani
Keyword(s):  
Risk Management ◽  
Regional Development ◽  
Operational Risk ◽  
Daily Activities ◽  
Development Bank ◽  
Operational Risk Management ◽  
West Sumatra ◽  
New Type ◽  
Operational Activities ◽  
Regional Development Bank

This research was conducted to find out how the implementation of operational risk management in the teller unit carried out at PT. West Sumatra Regional Development Bank Siteba Branch. Considering this operational risk is not a new type of risk faced by a bank because this risk is inherent and continues to grow in the bank's operational activities. The author uses a qualitative method that explains descriptively by systematically describing data from the facts obtained then linked to the application of operational risk management to the teller unit at PT. West Sumatra Regional Development Bank Siteba Branch. The application of Operational Risk Management to the Teller Unit is seen in the daily activities carried out by the Teller itself. Starting in the morning when the head teller who is authorized to enter the treasury will hand over the cashbox to each teller who is fully responsible for each cashbox, then the teller will be ready to start his daily activities. The results showed that the Implementation of Operational Risk Management conducted by PT. The West Sumatra Regional Development Bank of the Siteba Branch is in accordance with the concepts established by Bank Indonesia so as to reduce the level of operational losses. The author suggests that the Implementation of Operational Risk Management should be further enhanced to its supervision.

scholarly journals PENGENDALIAN KREDIT DALAM UPAYA MENCIPTAKAN BANK YANG SEHAT PADA PT. BANK PEMBANGUNAN DAERAH SUMATERA BARAT CABANG UTAMA PADANG

2018 ◽  
Author(s):  
Liza Amelia ◽  
Doni Marlius
Keyword(s):  
Regional Development ◽  
Field Research ◽  
Research Field ◽  
Research Library ◽  
Preventive Action ◽  
Development Bank ◽  
Direct Examination ◽  
Library Research ◽  
West Sumatra ◽  
Regional Development Bank

The purpose of this study is to determine the control of credit in an effort to create a healthy bank at PT. Regional Development Bank of West Sumatra Main Branch of Padang. Methods of data collection through field research (field research), library research (library research). Conclusion PT. West Sumatra Regional Development Bank Main Branch Padang Focuses on productive credit investment and working capital credit. PT. The Regional Development Bank of West Sumatera The Main Branch of Padang adheres to the principle of 5C (Character, Capital, Capacity, Collateral, Condition of Economy) and analysis or assessment of aspects per aspect that have been applied in accordance with the condition of each customer by always paying attention to prudential principles prudential) in lending. credit control is done through the debtor's account, credit control is also done by direct examination in the debtor's business place, preventive action or after the action is executed.

scholarly journals Pengaruh Kualitas Layanan terhadap Kepuasan Nasabah Mobile Banking pada Bank Pembangunan Daerah Provinsi Sumatera Barat

JURNAL PUNDI ◽  
2020 ◽  
Vol 3 (2) ◽  
pp. 137
Author(s):  
Jhon Fernos ◽  
Gwen Gietricen
Keyword(s):  
Regression Analysis ◽  
Customer Satisfaction ◽  
Regional Development ◽  
Direct Evidence ◽  
Sampling Technique ◽  
Mobile Banking ◽  
Development Bank ◽  
Variable Effect ◽  
West Sumatra ◽  
Regional Development Bank

This study aims to analyze the effect of reliability, responsiveness, assurance (assurance), empathy (empathy) and direct evidence (tangibles) on satisfaction of mobile banking customers at the Regional Development Bank of West Sumatra Province. The research design is correlational. The population in this study were all Sharia banking customers in Surakarta City, a sample of 100 mobile banking customers at the Regional Development Bank of West Sumatra Province with a proportion of rendom sampling as a sampling technique. Data analysis in this  study used multiple linear regression (multiple regression analysis). The results showed that there was no tangible variable effect (X1) on customer satisfaction of the Regional Development Bank of West Sumatra Province. No effect on reliability variable (X2) on customer satisfaction of the Regional Development Bank of West Sumatra Province. There is no effect on the responsiveness variable (X3) on customer satisfaction. There is the effect of assurance variable (X4) on customer satisfaction. There is the influence of the empathy variable (X5) on customer satisfaction.

scholarly journals Pengaruh Capital Adequancy Ratio, Net Interest Margin,Biaya Operasional Pendapatan Operasional Dan Loan Deposit Ratio Terhadap Non Performing Loan Di Pt. Bank Pembangunan Daerah Bali Tahun 2009 – 2017

2020 ◽  
Vol 3 (1) ◽  
pp. 10-20
Author(s):  
Ni Wayan Eka Yuliani ◽  
A. A. Sri Purnami ◽  
I Gusti Ayu Athina Wulandari
Keyword(s):  
Regional Development ◽  
Linear Analysis ◽  
Development Bank ◽  
F Test ◽  
Independent Variables ◽  
Analysis Methods ◽  
Net Interest Margin ◽  
Regional Development Bank ◽  
Interest Margin

NPL is one indicator in assessing the soundness of banks. This study aims to examine the effect of CAR, NIM, BOPO and LDR on Non Performing Loans at PT. Regional Development Bank of Bali in the count of I - IV in 2009 - 2017 using multiple linear analysis methods. The results of this study produce an F Test which all independent variables (CAR, NIM, BOPO and LDR) have a liner / influence with NPL variables and partially, CAR has a significant and significant effect on NPL, NIM has a positive and not significant effect on NPL, influential BOPO positive and significant effect on NPL and LDR positive and not significant effect on NPL.  

Prosedur Pemberian Kredit Kepemilikan Rumah (KPR) PT. Bank Pembangunan Daerah Jawa Barat dan Banten Tbk Kantor Cabang Subang

2020 ◽  
pp. 85-100
Author(s):  
Saryanti Saryanti ◽  
Yayat Sudrajat
Keyword(s):  
Regional Development ◽  
Mortgage Loan ◽  
Business Manager ◽  
Development Bank ◽  
West Java ◽  
Credit History ◽  
History Of ◽  
The Government ◽  
Regional Development Bank

PT.Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. Adalah salah satu bank milik pemerintah yang memiliki tugas/kegiatan menghimpun dana dari masyarakat dan menyalurkan lagi kepada masyarakat dalam berbentuk kredit, serta memberikan pelayanan jasa-jasa lainnya. Salah satu jenis kredit yang diberikan oleh PT. Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk adalah kredit pemilikan rumah (KPR). Berdasarkan kajian ini bahwa prosedur pemberian kredit pemilikan rumah (KPR) pada PT. Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. Terdiri dari : mengajukan surat permohonan kredit, wawancara, memenuhi persyaratan yang belum lengkap, mencari riwayat kredit calon debitur melalui database website Bank Indonesia (BI), verifikasi kunjungan (visit), penandatanganan daftar riwayat kredit beserta berkas aplikasi kredit oleh pihak Account Officer (AO), Bisnis Legal (BL), Cradit Risk (CR), manajer bisnis, pimpinan cabang, melakukan taksansi/ploting laporan pemeriksa akhir, pengecekan atas aspek yuridis atau legal atas dokumen agunan, pencairan dana kredit melalui pihak Hukum Administrai, mengingatkan kembali kepada debitur tentang jatuh tempo pembayaran angsuran kredit.   PT.Bank Regional Development of West Java and Banten, Tbk. Is one of the government-owned banks that have the task or activity to raise funds from the community and channel again to the community in the form of credit, and provide other services. One type of credit provided by PT. Regional Development Bank of West Java and Banten, Tbk is a mortgage loan (KPR). Based on the results of the final task of providing homeownership loan (KPR) at PT. Regional Development Bank of West Java and Banten, Tbk. Consists of: submitting loan application letter, interviewing, fulfilling incomplete requirements, seeking credit history of debtor candidate through Bank Indonesia website (BI) website, visit verification, signing of credit history list and credit application file by Account Officer (AO), Legal Business (BL), Cradit Risk (CR), business manager, branch manager, performs taxa

scholarly journals The Impact of Bank Behavior, Financial Literacy on Investment Decisions, Mediation of Financial Inclusion and Debt Behavior. Study on Working Capital and Investment Debtors at Regional Development Bank Yogyakarta Indonesia

2021 ◽  
Vol 23 ◽  
pp. 626-635
Author(s):  
Heru Kristanto
Keyword(s):  
Regional Development ◽  
Financial Literacy ◽  
Investment Decisions ◽  
Financial Inclusion ◽  
Development Bank ◽  
Working Capital ◽  
Bank Behavior ◽  
The Impact ◽  
Regional Development Bank ◽  
Debt Behavior

Bank behavior, financial literacy, financial inclusion, debt behavior, and investment affect the economic growth of an industry. The purpose of this research is to examine the effect of bank behavior, financial literacy, financial inclusion, debt behavior on investment decisions of working capital and investment debtors in the Regional Development Bank of Yogyakarta. Indonesia. Examine the mediating role of financial inclusion, debt behavior on investment decisions. The research sample are 280 debtors. The analysis model used mediation regression with the PLS program. The results showed that: Bank behavior has an effect on financial inclusion. Bank behavior has an effect on debt behavior. Financial literacy has an effect on financial inclusion. Financial literacy has an effect on debt behavior. Financial inclusion mediates the effect of bank behavior on investment decisions. Debt behavior mediates the effect of financial literacy on investment decisions. The managerial implication of this research is: the flexibility of providing credit to customers, must be followed by control of the use of funds. Financial literacy, financial inclusion and higher debtor debt behavior will increase the movement of the industry. The right investment will improve entrepreneurial and banking performance.

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