scholarly journals Penggunaan Fasilitas E-Banking Dalam Minat Nasabah Studi Kasus Pada PT. BRI Syariah Kantor Cabang Pembantu Stabat

2021 ◽  
Vol 3 (2) ◽  
pp. 10-23
Author(s):  
Asmawarna Sinaga, Anjur Perkasa Alam, Faisal Efendi, Fajar Siddiq
Keyword(s):  
Rural Areas ◽  
Financial Services ◽  
Management System ◽  
Field Research ◽  
Research Strategy ◽  
Depth Information ◽  
Cash Management ◽  
Electronic Banking ◽  
Branch Office

This study proposes a qualitative analysis of the use of E-Banking Facilities in the Interests of Customers. Case Study at PT. BRI Syariah Stabat Sub-Branch Office with a focus on the problem, namely what are the e-banking channels available at PT. BRI Syariah Stabat Sub-Branch Office, what are the benefits for customers using the e-banking channel facilities available at PT. BRI Syariah Stabat Sub-Branch Office, and what are the obstacles in e-banking channel services found at PT. BRI Syariah Stabat Sub-Branch Office. This type of research is a field research (field research) which is a case study using a descriptive qualitative approach and the process of inferring research results by inductive thinking, the method used is a qualitative method, namely a research strategy that uses more and collects in-depth information on the phenomenon being studied. researched. This analysis is carried out by examining and examining in depth the data obtained, in order to obtain conclusions that can be accounted for in scientific studies. Based on the results of research in the field, it is known that the Electronic Banking channels at PT. BRI Syariah Stabat Sub-Branch Offices are BRIS e-banking, smsBRIS, mobile BRIS, CMS BRIS (Cash Management System), BRIS e-form and BRIS Laku Pandai. The advantages received by customers in using BRIS e-banking are banking transaction service facilities through the internet network that can be accessed for 24 hours, BRIS SMS makes it easy for customers to top up credit, pay bills, transfers to pay Zakat, Infaq and Shodaqah, Mobile BRIS allows Customers obtain banking information using their cellphones, the BRIS CMS (Cash Management System) facilitates electronic services that provide services in the form of customer financial transactions, the BRIS e-form makes it easy to open a Faedah Savings account at BRI sharia through online, Laku Pandai BRIS facilitates banking and/or services other financial services that are carried out not through office networks, but through collaboration with other parties and need to be supported by the use of information technology facilities. The obstacles that occur to customers in the use of Electronic Banking facilities at PT. BRISyariah Stabat Sub-Branch Office, namely the customer's ability to use technology due to the lack of public knowledge about e-banking facilities and the sometimes unsupportive network also makes it difficult for customers in some areas to access networks such as in rural areas, causing customers to still choose transact by visiting the branch office

Efektivitas Program Perumahan Bersubsidi Pada Produk KPR BTN Sejahtera iB (Studi Kasus: Bank Tabungan Negara Kantor Cabang Syariah Bekasi)

2020 ◽  
Vol 11 (1) ◽  
pp. 43-54
Author(s):  
Fuji Rahayu ◽  
Rafika Rahmawati
Keyword(s):  
Field Research ◽  
Research Field ◽  
Subsidized Housing ◽  
Housing Program ◽  
The Public ◽  
Analysis Techniques ◽  
Library Research ◽  
Savings Bank ◽  
Branch Office

The purpose of this study was to determine “The Effectiveness of the Subsidized Housing Programon KPR BTN Sejahtera IB Products (Case Study: Bank Tabungan Negara Bekasi Sharia BranchOffice)”, this research includes field research (field research) with qualitative methods and supportedby library research (library research). ) relating to the effectiveness of the subsidized housing programon KPR BTN Sejahtera IB products. Data collection techniques for this study consisted of observation,interviews, and documentation. As well as data analysis techniques for this thesis research usingtechniques: data reduction, data presentation and drawing conclusions. Measurement of effectiveness,seen from three factors, namely: first, convenience, second, target accuracy, and third, affordability.Based on the results of the research, it shows the effectiveness of the subsidized KPR program, namelythe convenience factor because the requirements, processes, forms of service, and administrative costshave been effective and affordable because it is easy for the public to obtain information about KPRBTN Sejahtera IB at Bank Tabungan Negara Bekasi Sharia Branch Office, monthly installments. ,details and total costs during the contract that are not burdensome, payment facilities have helpedcustomers, and there are no sanctions or fines if they experience arrears in payments every month,while the ineffectiveness is seen in the factor of the accuracy of targeting because many customerswho take the subsidized housing program are not occupied but only for investment. Therefore, it mustbe improved in all its aspects in order to produce optimal effectiveness for the subsidized housingprogram on the KPR BTN Sejahtera IB product at the Bekasi Sharia Branch Office State Savings Bank.

Implementation of Musyarakah Financing Agreement On Sharia Banking (Case Study at Bank BRI Syariah Purwokerto Branch Office)

Authentica ◽  
2020 ◽  
Vol 3 (1) ◽  
pp. 32-53
Author(s):  
Muh Rifqi Iqsobayadinur
Keyword(s):  
Empirical Research ◽  
Financial Services ◽  
Qualitative Approach ◽  
Islamic Banking ◽  
Standard Contract ◽  
Special Rule ◽  
Branch Office ◽  
Descriptive Qualitative

Act of Republik Indonesia Number 21 of 2008 concerning Sharia (Islamic) Banking Article 1 Number 13, require all of contract should be written. Thus the implementation of musyarakah financing contract on Islamic banking is needed a notary to make a notariil deed, although there is no a special rule that require a contract must be made with notariil deed. The research is empirical research law to analyzes the data systematically, factual and accurate. The approach used in the research is descriptive qualitative approach. Result of this research indicates that implementation of musyarakah financing contract at PT. BRI Sharia branch of Purwokerto, normatively has been following the elements of the contract, and especially used standard contract from Financial Services Authority (FSA) regulation Number 31/POJK.5/2014 concerning Implementation of Sharia Multi-Finance Business, but substantially there are deviations in which the position of the parties is unbalanced, the nisbah ratio is done unilaterally and is fixed during the funding period, calculation of nisbah is determined at the beginning, and the use of witnesses in contract is not in accordance with sharia principles.Keywords: Contract, Musyarakah Finance, Sharia (Islamic) Banking. 

A Case Study of Microfinance and Community Development Banks in Brazil

2016 ◽  
Vol 45 (4_suppl) ◽  
pp. 116S-133S ◽  
Author(s):  
Marek Hudon ◽  
Camille Meyer
Keyword(s):  
Community Development ◽  
Nonprofit Organizations ◽  
Financial Services ◽  
Poverty Alleviation ◽  
Field Research ◽  
Civil Society Organizations ◽  
Private Goods ◽  
Inclusion Properties ◽  
Development Banks

Inclusive financial sectors are essential to poverty alleviation. While microcredit can be governed as a private good, self-managed civil society organizations propose an alternative way of managing financial services. Brazil’s Community Development Banks (CDBs) are growing and dynamic manifestations of these nonprofit organizations. Based on field research in Brazil, this article uses Elinor Ostrom’s design principles of successful self-governing common-pool resource organizations to analyze CDBs’ microcredit system. Our results suggest that private goods could be altered when they are governed by community self-managed enterprises. They become hybrid goods as they mix the characteristics of private and common goods. This change is facilitated by specific organizational arrangements such as self-governance that emerge from grassroots dynamics and the creation of collective-choice arenas. These arrangements help strengthen the inclusion properties of nonprofit microcredit services.

scholarly journals Pemanfaatan Electronic Banking Bagi Anggota di KSPPS BMT Bina Ummat Sejahtera Cabang Tayu

2020 ◽  
Vol 4 (2) ◽  
pp. 148
Author(s):  
Farida Fadlliatul Husna ◽  
Muhamad Mustaqim
Keyword(s):  
Risk Perception ◽  
Middle Class ◽  
Rural Areas ◽  
Field Research ◽  
Qualitative Approach ◽  
Electronic Banking ◽  
Security Risks ◽  
Lower Middle Class

<p><em>This paper aims to examine the utilization of electronic banking for members in KSPPS BMT Bina Ummat Sejahtera (BUS) Tayu Branch, as well as the factors that influence it. This research is included in field research with qualitative approach. The results showed that the utilization of electronic banking in BMT Bina Ummat Sejahtera is currently not fully carried out. Some members still do not use electronic banking, for several reasons such as: limited facilities, perceptiveness about e-banking that impresses, complicated, and worries about security risks. Meanwhile, factors that influence the utilization of e-banking include: member interest, desire to use, perception that includes: perception of trust, ease, and risk perception. The results of this study provide an idea that it is necessary to socialize and educate the use of e-banking, especially for the lower middle class, and rural areas.</em></p>

scholarly journals Steps to Implement ISO 9000: 2005 Quality Management System: Case Study at Malaysian Higher Education Institutions/ Langkah-Langkah Pelaksanaan Sistem Pengurusan Kualiti ISO 9000:2005: Kajian Kes Di Institusi Pengajian Tinggi Malaysia

2019 ◽  
Vol 11 (3) ◽  
Author(s):  
Siti Arni Basir ◽  
Ilhaamie Abdul Ghani Azmi ◽  
Sharifah Hayaati Syed Ismail al Qudsy ◽  
Musaiyadah Ahmadun ◽  
Syahrul Nizam Kamaruzzaman ◽  
...  
Keyword(s):  
Quality Management ◽  
Management System ◽  
Organizational Context ◽  
Quality Management System ◽  
Empirical Studies ◽  
Iso 9000 ◽  
Structured Interview ◽  
Research Strategy ◽  
Context Analysis

ISO 9000 is a quality management system widely used. ISO 9000 has begun being implemented in Malaysia's IPT since the 1990s as one of the initiatives for quality assurance. While the number of HEIs in Malaysia that are implementing ISO 9000 is increasing, however, empirical studies of the implementation of the system are still underdeveloped. Therefore, the objective of this article is to study the implementation steps of ISO 9000 quality management system at Malaysian HEI. This study uses a qualitative approach by using case study as a research strategy. A public HEI located in Selangor was chosen as a research location. This study uses a semi-structured interview method carried out on fifteen informants who are actively involved in the implementation of ISO 9000. The informants represent the categories of faculty management, quality coordinator and lecturers. The data were analyzed using thematic analysis method which was assisted by Nvivo software. The research finding show that the implementation of ISO 9000 in the HEI involves seven steps; organizational context analysis, training, leadership, development of work groups, implementation, monitoring and improvement. All these steps have been well implemented with participation from all faculty members. The results of this study contribute to the development of knowledge related to the implementation of ISO 9000: 2015 in Malaysian HEI.  The research findings can be employed as a guideline to university administrators, public sector officers or corporate managers in their effort to implement ISO 9000 effectively in their respective organizations.

Case study India’s First Women’s Bank - Bharatiya Mahila Bank

2014 ◽  
Vol 1 (1) ◽  
Author(s):  
Jitendra Ahirrao
Keyword(s):  
Public Sector ◽  
Rural Areas ◽  
Financial Services ◽  
Economic Empowerment ◽  
Women Empowerment ◽  
Bank Account ◽  
Safe Place ◽  
Job Opportunities ◽  
Bank Accounts

India launched the Bhartiya Mahila Bank (BMB), its first public sector bank for economically empowering millions of women across the country, in 2013. This bank is meant for those women who do not have access to basic financial services such as bank accounts or loans. Access to a bank account is essential for women's economic empowerment as it provides a safe place to save money and opens up a channel to credit which can be used for investing in education, property or in a business. BMB is a good beginning in the direction of women empowerment in India. Nevertheless, pro-active emphasis should be on rural areas and less-educated / illiterate women folk irrespective of their earnings. It will create more job opportunities for women and will pay special attention to the weaker and more neglected sections of women.

scholarly journals Eco-Social Agriculture for Social Transformation and Environmental Sustainability: A Case Study of the UPAS-Project

2020 ◽  
Vol 12 (14) ◽  
pp. 5510
Author(s):  
Sara Nicli ◽  
Susanne Ursula Elsen ◽  
Armin Bernhard
Keyword(s):  
Environmental Sustainability ◽  
Rural Areas ◽  
Social Transformation ◽  
Local Community ◽  
Agricultural Practices ◽  
Field Research ◽  
Development Project ◽  
The Impact ◽  
Disadvantaged People

Rural areas are facing vulnerabilities and changes caused by negative social, economic and ecological externalities resulting from industrial agriculture systems. Locally embedded farms and bottom-linked approaches such as social cooperatives that act in the field of social agriculture are small, but valuable models to counteract these trends. This article is based on a case study conducted within the transdisciplinary research and development project Unlocking the Potential of Social Agriculture (UPAS), 2017–2020—financed by the Free University of Bolzano. The main focus of the case study is to determine the impact of social agriculture initiatives on social and healthcare systems, the natural environment and the communities in which they act. Data collection includes a literature review, observations and interviews carried out on 35 case studies of social agriculture initiatives, mainly located in Italy. The field research points out that actors in the sector of social agriculture predominantly aim to integrate disadvantaged people socially and in terms of their labor, base their production on organic methods, and that social agriculture has the potential to foster eco-social transformation and development of rural areas by the combination of social and ecological concerns. Thus, we use the term “eco-social” agriculture to describe these approaches. Furthermore, five components of eco-social agriculture have been defined, which, together, offer an ideal set of acting principles, namely: (1) the empowerment and integration of disadvantaged people, (2) the promotion of environmentally friendly agricultural practices, (3) the protection of nature, resources and cultural landscape, (4) support to the local community, and (5) education for sustainable development.

scholarly journals PENYALURAN KREDIT USAHA KECIL TERHADAP PENGUSAHA EKONOMI LEMAH

2018 ◽  
Vol 2 (1) ◽  
pp. 43-54
Author(s):  
Hasanuddin Hasanuddin ◽  
Fakhruddin Mansyur ◽  
Ulil Amri ◽  
Siti Walidah Mustamin
Keyword(s):  
Qualitative Analysis ◽  
Qualitative Method ◽  
Research Result ◽  
Field Research ◽  
Research Strategy ◽  
Qualitative Approach ◽  
Is Research ◽  
Bank Financing ◽  
Way Of Thinking

AbstrakPenelitian ini mengemukakan tentang analisis kualitatif Penyaluran Kredit/Pembiayaan Bank. Dengan fokus masalah yaitu bagaimana penyaluran pembiayaan Tujuan penelitian ini adalah memperoleh data tentang bagaimana penyaluran pembiayaan. Jenis penelitian ini adalah penelitian lapangan (field research) yang bersifat studi kasus dengan menggunakan pendekatan kualitatif deskriptif dan proses penyimpulan hasil penelitian dengan  cara berfikir induktif, metode  yang  digunakan  ialah  metode  kualitatif  yaitu  strategi meneliti yang lebih banyak memanfaatkan dan mengumpulkan informasi secara mendalam ter­hadap fenomena yang diteliti. Analisis ini dilakukan dengan cara menelaah dan mengkaji secara mendalam terhadap data yang didapat, sehingga diperoleh kesimpulan yang dapat dipertanggungjawabkan dalam kajian ilmiah. Berdasarkan hasil penelitian di lapangan penyaluran pembiayaan yang dilakukan sudah sesuai dengan prosuder yang ada yaitu berdasarkan peraturan dan ketentuan yang sudah di tetapkan oleh Bank yaitu setiap nasabah yang datang ke bank untuk meminta pembiayaan harus memenuhi semua persyaratan dari Bank.Kata Kunci: Penyaluran, Pembiayaa, Ekonomi Lemah AbstractThis research proposes about qualitative analysis of Credit Distributi / Bank Financing. With the focus of the problem is how the distribution of financing The purpose of this study is to obtain data on how financing disbursement. The type of this research is field research which is case study by using descriptive qualitative approach and the process of conclusion of research result with inductive way of thinking, the method used is qualitative method that is research strategy which more use and collect information deeply to phenomenon investigated. This analysis is done by reviewing and examining deeply to the data obtained, so that obtained conclusions that can be accounted for in scientific studies. Based on the results of research in the field of financing disbursement is done in accordance with the existing prosuder is based on the rules and provisions that have been set by the Bank that every customer who comes to the bank to ask for financing must meet all the requirements of the Bank.Keywords: Distribution, Financing, Weak Economic

Solve the Problem…So It Stays Solved!

2019 ◽  
pp. 980-1002
Author(s):  
Joe Monaco ◽  
Edward W. Schneider
Keyword(s):  
Performance Management ◽  
Management System ◽  
Health And Safety ◽  
Field Research ◽  
Organization Performance ◽  
Performance Management System ◽  
Safety Issues ◽  
System Today ◽  
A Performance

This case study explores how a performance management system was developed to address recurring health and safety issues in an organization. Performance improvement technologists were recruited to address the problem and ensure that it stayed solved. The authors describe the process that was used to develop a training program that eventually evolved to a full scale Performance Management (PM) System. Today, nearly three decades later, the PM System has endured with its original mission intact; it has influenced the international dialog on forklift operator safety; and it provides, through ongoing field research, insights into how a Performance Management system might endure past the first change in the management that championed it.

scholarly journals EVALUATION OF IMPLEMENTING FINANCIAL SERVICES AUTHORITY AS A TAX SUBJECT

2019 ◽  
Vol 4 (2) ◽  
pp. 199
Author(s):  
Ario Narabewa ◽  
Yohanes Yohanes
Keyword(s):  
Financial Services ◽  
Research Strategy ◽  
The State ◽  
State Sovereignty ◽  
Double Taxation ◽  
Interview Method ◽  
Directorate General ◽  
Taxation Problem

This researchis conducted to examine the determination of Otoritas Jasa Keuangan as a tax subject and object by the Directorate General of Taxes. DGT determines levies by the OJK on the financial sector related to tax objects. This can lead to double taxation problem depending on the remaining levies of the current year and the following year's budget must be submitted by the OJK to the Treasury. This study employs the state sovereignty theory to request that this stipulation is under statutory regulations. Case study is chosen as the research strategy to deepen the study of this determination phenomenon more deeply and can provide advice to OJK and the Directorate General of Taxes. The data were collected by interview method and document study. The result of this study found that the OJK as an entity has the function to conduct pure administrative tasks.Theresult of this translation shows that OJK’s levy is part of PNBP, thus it cannot be used using object tax

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