scholarly journals ANALISIS PENGARUH INSENTIF TERHADAP PENINGKATAN PRESTASI KERJA KARYAWAN PADA PT. BANK RIAU CABANG PEMBANTU PERAWANG

2021 ◽  
Vol 3 (2) ◽  
pp. 144-149
Author(s):  
Imran Imran
Keyword(s):  
Regional Development ◽  
Work Performance ◽  
Human Resources Management ◽  
Research Result ◽  
Limited Liability ◽  
Sampling Technique ◽  
Development Bank ◽  
The Status ◽  
The Government ◽  
Regional Development Bank

Pt. Bank Riau is a continuation of the business activities of PT. BAPERI (PT. Riau Regional Development Bank) which was established based on the Notary Deed of Syawal Sultan No. 1 dated August 2, 1961, and the permission of the Minister of Finance of the Republic of Indonesia.No. BUM 9-4-45 dated August 12, 1961. Furthermore, with the Decree of the Governor of KDH. TK.I Riau No. 51/IV/1966 April 1, 1966, it was stated that all activities of PT. BAPERI was merged into the Riau Regional Development Bank in accordance with Law Number 13 of 1962, officially the activities of the Riau Regional Development Bank began with the status as a Bank Owned by the Government of the Riau Province. Various changes and developments in the Bank's activities, and since 1975 the status of the establishment of the Riau Regional Development Bank, Decree of the Deputy Governor of Bank Indonesia No. 5/30 / KEP.DGS / 2003 dated 22 July 2003, the legal entity status of the Riau Regional Development Bank changed from a Regional Company (PD) Regional Development Bank of Riau to a Limited Liability Company (PT). Bank Pembangunan Daerah Riau was abbreviated as PT. Bank Riau as of August 1, 2003. This research aims to Analyze the Influence of the Incentive Factor on improving the work performance of employees at PT. Bank Riau, Perawang Sub-Branch. The number of research samples are all All employees of PT. Bank Riau, Perawang Sub-Branch, as many as 60 with the sampling method saturated sampling technique or census. Saturated sampling or census is a sampling technique when all members of the population are used as samples.Meanwhile, the leadership is used as the key information in this study. Research result shows The influence of incentives on increasing work performance having a significant influence and positive means that there is a strong positive relationship between incentives and increased work performance of employees of PT. Bank Riau Perawang Sub-Branch, through regression model, the incentive variables and the indicators in the study, are able to contribute to an increase in work performance by 88.36%, and the remaining 11.64% is influenced by other factors who were not examined in this study. Keywords : Human Resources Management, Incentif, Work Performance.

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 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.  

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.

scholarly journals Visions and plans for regional development in Ireland

2019 ◽  
Vol 67 (3) ◽  
pp. 7-39
Author(s):  
James A. Walsh
Keyword(s):  
Regional Development ◽  
Development Strategy ◽  
Population Projections ◽  
Complex Process ◽  
Planning Framework ◽  
Transformative Development ◽  
The Status ◽  
Planning Decision ◽  
The Government ◽  
First Time

AbstractThe evolution of spatial planning in Ireland, and more widely, has been a complex process in which many narratives have been explored at different times. In 2018 the government published the National Planning Framework (NPF) to guide and support the achievement of a challenging and potentially transformative development strategy for Ireland 2040. The NPF is grounded in a vision that sets out to be disruptive of what has become embedded as the status quo in political, administrative and planning decision-making. While it is a very innovative addition to the portfolio of government policies and strategies, it is not the first time that radical visions have been proposed. This paper reviews previous visions and plans for regional development that have been proposed over the last seventy-five years, and critically compares and contrasts the approaches represented by the National Spatial Strategy (2002–20) and the NPF (2018–40), including the subsequent draft regional spatial and economic strategies. The implications of the population projections and the proposed settlement patterns for the achievement of the NPF objective of effective regional development, which is expressed as a regional parity target, are closely examined.

scholarly journals ANALISA RASIO TERHADAP LAPORAN KEUANGAN PADA PT. BANK PEMBANGUNAN DAERAH SULAWESI TENGAH

2021 ◽  
Author(s):  
Nursafitri
Keyword(s):  
Regional Development ◽  
Financial Statements ◽  
Financial Statement ◽  
Ratio Analysis ◽  
Development Bank ◽  
Financial Ratio ◽  
Financial Ratio Analysis ◽  
Profitability Ratios ◽  
Central Sulawesi ◽  
Regional Development Bank

This research is entitled Ratio Analysis to the Financial Statements of PT. Central Sulawesi Regional Development Bank. This study aims to analyze financial statement ratios using the measurement of liquidity ratios, leverage ratios, profitability ratios, and banks have sufficient ability to take action in guaranteeing and paying off debts to creditors, and for the results of other financial ratio analysis.

scholarly journals ANALISIS EFISIENSI TEKNIS BANK PEMBANGUNAN DAERAH DI INDONESIA PERIODE TAHUN 2008 – 2009 DENGAN MENGGUNAKAN METODE DEA (DATA ENVELOPMENT ANALYSIS)

Media Ekonomi ◽  
2017 ◽  
Vol 19 (2) ◽  
pp. 52
Author(s):  
Amrina Rosyada
Keyword(s):  
Data Envelopment Analysis ◽  
Regional Development ◽  
Technical Efficiency ◽  
Maximum Efficiency ◽  
Data Envelopment ◽  
Net Income ◽  
Development Bank ◽  
Input Variables ◽  
Regional Development Banks ◽  
Regional Development Bank

The purpose of this research is to acknowledge the level of efficiency from Regional Development Bank (Bank Pembangunan Daerah)/BPD) in Indonesia. This research use non - parametric approach which is DEA (Data Envelopment Analysis), to measure the efficiency of input and output of the Regional Development Banks. The input variables include are interest expense, administration and public expenses and salary expenses and the output variables are interest net income and other operasional income. The research concluded shows that the performance of the technical efficiency of banks BPD is not all reach the level of 100% and showed a fluctuation grow from 2008 – 2009. Pursuant to the technical efficiency level showed that there are 4 banks from 26 existing banks are showing a maximum efficiency. While the remaining 21 BPD banks fluctuating during 2008 to 2009. Keywords : Efficiency, Data Envelopment Analysis (DEA), Regional Development Bank

scholarly journals ANALISIS KINERJA KEUANGAN BANK PEMBANGUNAN DAERAH DALAM PERSAINGAN PERBANKAN

2017 ◽  
Vol 10 (2) ◽  
pp. 12
Author(s):  
Juli Panglima Saragih
Keyword(s):  
Financial Performance ◽  
Regional Development ◽  
Business Performance ◽  
Banking Sector ◽  
Banking Industry ◽  
Financial Sector ◽  
Standing Position ◽  
Development Bank ◽  
Playing Field ◽  
Regional Development Bank

Regional Development Bank (RDB) as part of banking industry is still needed to support financing for regional developmet. Due to tighted financial sector competition, Regional Development Bank should achieve market share in their playing field. Meanwhile, rigidity of regulation in banking sector, Regional Development Bank should also increase their business performance to maintain their standing position and increasing profitability, as well. This qualitative research uses analysis method of financial ratios and trend analysis of profit growth, as well. Data used in this research is financial data of banking industry from 2012 to 2016. This research summerizes that generally financial performance of Regional Dvelopment bank is good in 2012 to 2016. But, due to tight competition in financial market, the RDB could not compete with big private bank and state-owned bank where those banks have already been categorized as BUKU 3 and BUKU 4 category. On the other hand, most RDB are still categorized as BUKU 1 and BUKU 2 that have limited covering business, contrast to BUKU 3 and BUKU 4.  Due to this condition, BPD should maintain its business stability and achieve excellent financial performance by obeying all regulations by managing asset and credit productively and profitably, implementing good corporate governance (GCG),  as well as business transformation of RDB. Moreover, RDB should develop their infrastruktures to increase financial service for their debitor and customer in the future. Keywords: Regional Development Bank, bank, financial performance, National Authority for Financial Sector (OJK).

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