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Journal : Jurnal Dimamu

Analisis Tingkat Kesehatan Bank dengan Menggunakan Metode RGEC di PT Bank Mandiri Taspen KCP Ujung Berung Kamelia, Deska; Nur'aeni, Nur'aeni; Nuraeni, Eni
Jurnal Dimamu Vol. 4 No. 1 (2024)
Publisher : Ma'soem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/dimamu.v4i1.1337

Abstract

Based on the observation results, this study is motivated by the fluctuations in the health ratio of PT Bank Mandiri Taspen from 2019 to 2023. This study aims to analyze the health level of PT Bank Mandiri Taspen using the RGEC method. This method consists of four evaluation factors: Risk Profile, Good Corporate Governance (GCG), Earning, and Capital. This study is a quantitative descriptive study using secondary data obtained from PT Bank Mandiri Taspen's annual financial reports and governance reports from 2019 to 2023, which have been published regularly. The results of this study show that the health level of PT Bank Mandiri Taspen from 2019 to 2023, measured using the RGEC method based on the Risk Profile factor, which is evaluated by the NPL and LDR ratios, obtained a healthy rating with a score of 2.1. The Good Corporate Governance factor obtained a healthy rating with a score of 2. The Earning factor, evaluated by the ROA, ROE, BOPO, and NIM ratios, obtained an extremely healthy rating with a score of 1.3. The Capital factor, evaluated by the CAR ratio, obtained an extremely healthy rating with a score of 1.
Pengaruh Promosi Media Sosial dan Word of Mouth terhadap Keputusan Deposan Memilih Deposito Mantap Aini, Khoirul; Nur'aeni, Nur'aeni; Dimyati, Dadang
Jurnal Dimamu Vol. 4 No. 1 (2024)
Publisher : Ma'soem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/dimamu.v4i1.1338

Abstract

Based on the results of observations and interviews that underlie this research, the fluctuating number of depositors of deposit products is suspected to be influenced by social media promotion and word of mouth at PT Bank Mandiri Taspen KCP Ujung Berung. This study aims to determine the influence of social media promotion and word of mouth on depositors' decisions to choose deposits at PT Bank Mandiri Taspen KCP Ujung Berung, both partially and simultaneously. The subject of this study is the depositors at PT Bank Mandiri Taspen KCP Ujung Berung. The research is quantitative associative in nature, utilizing primary data. Data collection techniques include observation, interviews, literature review, and questionnaires. The sampling technique employed is non-probability sampling with accidental sampling as the method. The population consists of all depositors at PT Bank Mandiri Taspen KCP Ujung Berung, totaling 259 people, with a sample size of 73 people. The data analysis and hypothesis tests used were determination coefficient analysis, multiple regression analysis, multiple correlation analysis, t-test, and F test. The research results show that social media promotion and word of mouth each have a partial impact on depositor decisions, with an influence of 60.3% and 52.8%, respectively. Simultaneously, there is a significant combined effect of 75.8%.