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Strategy to Increase Sales of Deposit Products at Bank Sumut Syariah KCP Binjai Indah Wulan sari Batubara; Wahyu Syarvina
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 2 (2022): April
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i2.504

Abstract

This research was made because of the increasing intense competition in the sale of Islamic banking products, both in terms of marketing and promotion so that it will have an effect on earning profits at PT Bank Sumut Syariah KCP Binjai. The formulation of the problem studied is what is the strategy to increase sales of Islamic banking products at PT Bank SUMUT Syariah and what are the strategies used in implementing sales of Islamic banking products to get maximum profit at PT Bank SUMUT Syariah. The purpose of this study is to improve the sales strategy of Islamic banking products in order to achieve maximum profit. The research conducted is descriptive qualitative research using field research methods, namely observations and interviews conducted by analyzing data sourced from the research location or place, namely regarding the Sales Strategy of Islamic Banking Products at PT. Bank SUMUT Syariah KCP Binjai. The results of the research obtained are the sales strategy of Islamic banking products used by PT Bank SUMUT Syariah, namely by socializing in the marketing or marketing department, both in distributing brochures, pamphlets, as well as holding socialization seminars both in schools and other agencies to achieve certain goals, namely achieve maximum profit.
Service Factors to Increase Loyalty and Number of Priority Customers (Case Study of PT. Bank Sumut Syariah Binjai Sub-Branch) Helva Diansyah Putri; Wahyu Syarvina
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 2 (2022): April
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i2.507

Abstract

In banking that runs a business in the service sector, service is the most important thing so that people are interested in becoming their customers. Currently, almost all banks in Indonesia have issued priority savings products, and to increase priority customers, banks are competing to provide the best service to attract customers. This study uses qualitative methods to collect data in the form of descriptive data in written and spoken language from people and observed behavior. The results of this study are the services and benefits provided to priority customers affect the increase in the number of customers and also the loyalty of priority customers at Bank Sumut Syariah Binjai Sub-Branch.
The Effect of Quality of Service on Customer Satisfaction in PT. PLN (PERSERO) Region Unit North Sumatra Sophia Rahmadhani; Wahyu Syarvina
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 2 (2022): April
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i2.513

Abstract

The effect of quality of service on customer satisfaction at PT. PLN (Persero) Region Unit North Sumatra. The purpose of this study is (1) to determine the quality of service at PT. PLN (Persero) Region Unit North Sumatra. (2) Knowing the level of customer satisfaction PT. PLN (Persero) Region Unit North Sumatra. To achieve this, researchers used data collection techniques through interviews, documentation and observation. The data obtained from the research results were processed using qualitative descriptive analysis. PT. PLN (Persero) Region Unit North Sumatra provides services according to standard operating procedures, employees are also friendly and polite. Service satisfaction can be felt by customers because PT. PLN itself is quite responsive in terms of what customers ask for. Customer satisfaction is the main thing for PT. PLN (Persero) Region Unit North Sumatra The more satisfied customers are, the better the picture of PT. PLN in the eyes of customers.
SWOT Analysis on PT. Bank Sumut Syariah Sub-Branch Binjai Nia Andriani; Wahyu Syarvina
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 2 (2022): April
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i2.532

Abstract

PT. Bank SUMUT Syariah Binjai Branch is one of the companies engaged in Islamic financial institutions. In carrying out activities as a company engaged in banking, it is necessary to carry out a SWOT analysis which aims to find out how deposit products are used. This SWOT analysis technique is applied to determine the company's goals. For this the company analyzes the existing strengths, weaknesses, opportunities and threats. This study uses qualitative methods to collect data in the form of descriptive data, both written and spoken language of the people and observed behavior. The results of this study are that 1). Strength in deposit products at PT. Bank SUMUT Syariah Binjai Branch is located on the ratio or profit sharing time deposits offered by deposits starting from 1 month, for a period of 1 month, customers will be given a profit sharing ratio of 60%. 2). The weakness lies in the bank's very strategic location and is not visible because it is squeezed with other buildings. 3). For customers who will withdraw their money, there will be no administrative fees and penalties will be imposed so that it can be used as a good opportunity for customers. 4). The threat lies in banking regulations which can change at any time sometimes become a threat, and conditions of intense competition.
Analysis of Work Environment Factors Affecting Employee Performance at PT Bank Sumut Syariah KCP Binjai Elsa Mayori Elsa; Wahyu Syarvina
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 2 (2022): April
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i2.540

Abstract

Work environment means processes, systems, structures, tools or conditions in the workplace that have a favorable or unfavorable impact on individual performance. One of the factors that influence the level of success of an organization is the performance of its employees. This study aims to find out important information about work environment factors that have an influence on employee performance. Creating a work environment where productive employees are essential to increase profits for good organizations and companies. The workplace becomes an integral part of the work itself. Companies must step outside of their traditional roles to create a work environment where employees enjoy what they do, take pride in what they do, in order to reach their potential. The population in this study were employees of PT Bank Sumut Syariah KCP Binjai. The number of samples used in this study were 8 employees using the field method. The research conducted is descriptive qualitative research, namely observations and interviews conducted by analyzing data sourced from employees of PT Bank Sumut Syariah KCP Binjai relating to any work environment factors that affect the performance of Bank Sumut Syariah KCP Binjai employees. The results of the study prove that the physical and non-physical environment has an influence on employee performance, and corporate culture and supporting facilities greatly affect employee performance.
Analysis of the Effectiveness of the Digital Role on Manual Archive Management at the Binjai Branch Office of BPJS Employment Miftahul Husna Hutapea; Wahyu Syarvina
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 2 (2022): April
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i2.563

Abstract

Archives are several important information documents that are collected so that they can be stored in a planned and orderly manner in a good and safe manner so that when one day in the future these documents can be found when needed. Based on the Decree of the President of the Republic of Indonesia Number 105 of 2004 regarding archive management, chapter I Article 1 explains that archives are defined as a collection of manuscripts made and accepted by Government Agencies and Private Agencies or individuals, in any form individually or in groups. in the context of implementing government activities as well as in the context of implementing national life. The archive data files will increase day by day, so that the data files can be neatly arranged, a proper management system is needed. So that it can be seen that the purpose of this study is to find out the advantages and disadvantages of implementing an archive management system both digitally and manually. So that it can show which system is more efficient to implement in managing archives at the BPJS Ketenagakerjaan office, Binjai Branch. As well as benefits The results of this study are expected to be used as input and information to be used as a reference in order to improve the performance of archive management in the work unit.
Analysis of Property Marketing Strategy by Utilizing Digital Marketing (Case Study of PT Rizki Mandiri) Cici Winda Atila; Wahyu Syarvina
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 3 (2022): Juli
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i3.593

Abstract

Digital marketing has now penetrated several fields, including property. Therefore, it is important for companies to implement digital marketing strategies for broader marketing. The company optimizes online marketing or digital marketing as a way of communicating with target consumers. This is definitely a very effective option. The purpose of this research is to find out how PT Rizki Mandiri Barokah can use digital marketing to increase sales. This study uses a qualitative method with a descriptive approach which was developed to provide information. Data collection techniques used in documentation and interviews. The results of this study are PT Rizki Mandiri Barokah implementing the right marketing strategy through digital real estate marketing to increase real estate sales and make a significant contribution to sales and reach many customers.
Analysis of the Community Satisfaction Survey at the Medan City Investment and One Stop Integrated Licensing Service in 2020 (DPMPPTSP) Rio Ariangga Hutagalung; Wahyu Syarvina
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 3 (2022): Juli
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i3.637

Abstract

The calculation of the community satisfaction index is carried out by the relevant agencies on a regular basis to determine the progress of the unit's performance in the services of government agencies, which can be used as a separate policy material to further improve the quality of service. . Public. Service At the same time, the aim of this study is to measure SMI's satisfaction with its customers, to understand what needs to be improved and how to increase people's satisfaction. PermenpanRB No. 14 of 2017 Indicators of Community Satisfaction Measurement are System Requirements, Mechanisms and Procedures, Completion Time, Costs/Tariffs, Product Specifications by Type of Service, Implementation Capacity, Implementation Behavior, Facilities and Infrastructure, and Complaints, Advice and Feedback Handling. In addition, this study aims to find out how satisfied SMIs are with their customers and what can be done to make them more satisfied. The Community Satisfaction Index (IKM) based on the One Stop Integrated Service and Investment Indicator (DPMPTSP) Medan takes into account factors such as system requirements, mechanisms and procedures. Community Satisfaction (SKM) is 80.43 with a range of 76.61-88.30. The results are still among the good grades. The service elements that are considered the most satisfactory are cost/task points and complaint handling with an average of 3.6, while the lowest points are service hours and permit issuance procedures, with an average of 2.85.
Analysis of Taxpayer's Level of Understanding and Awareness of Tax Compliance on Entrepreneurs/Traders in Gunungsitoli City Niken Rahmadyah; Wahyu Syarvina
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 3 (2022): Juli
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i3.852

Abstract

Taxes are one of the sources of state revenue, by paying taxes we already have good intentions to participate in helping development whose benefits are for the benefit of all the people. Tax is state income that is collected directly from the public in the form of contributions, the tax taken will be accumulated in accordance with the provisions of the law, one of the taxes that must be paid is income tax paid by taxpayers, which is imposed by individuals or companies based on the results of their income. This study aims to analyze the level of understanding and awareness of taxpayers on tax compliance for entrepreneurs/traders in carrying out their tax obligations. The population in this study are entrepreneurs/traders who have businesses in the Gunungsitoli City area. The sampling technique was purposive sampling with a total sample of 40 respondents. This study uses primary data, namely questionnaires. This study uses quantitative methods with multiple regression analysis models, including t test and f test processed using the SPSS program. The results obtained indicate that the level of understanding and awareness of taxes has a significant effect on tax compliance, seen from the significance level of 0.004 or less than 0.05, then for the Fcount value of 6.365 or greater than Ftable of 3.25 in other words Fcount > Ftable , then according to the basis of decision making in the F test, it can be concluded that the regression model can be used to predict tax compliance or it can be said that the two independent variables, namely taxpayer awareness and level of understanding simultaneously or jointly affect tax compliance.
Changes in Consumer Behavior in Water Use Resulting in an Increase in Monthly Water Account Arrears Since the Covid-19 Pandemic (Case Study of PDAM Tirtanadi Cemara Branch, North Sumatra Province) Muslimatul Husnah Batubara; Wahyu Syarvina
Journal of Indonesian Management Vol. 2 No. 1 (2022): March
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/jim.v2i1.442

Abstract

Changes in Consumer Behavior in Water Use Result in an Increase in Monthly Water Account Arrears Since the Covid-19 Pandemic, at PDAM Tirtanadi, Cemara Branch, North Sumatera Province. This research is a quantitative descriptive that aims to determine the level of service in the company's management of customers in paying for clean water use, and aims to see the causes and obstacles that occur to the increase in arrears in water accounts which have increased due to changes in water use since the covid-19 pandemic. The unit of observation in this study is the report on water account arrears for the months November 2020 – November 2022. The types of data used in this study are primary data and secondary data. The method of analysis in this study is from supporting document sources, and uses descriptive statistics on the report of the arrears balance, providing an overview or description by displaying a diagram of the monthly increase in water account arrears since the covid-19 pandemic. The results of this study indicate that the service and management of the company are good and well maintained, but there has been a change in consumer behavior in usage since the covid-19 pandemic which has increased which has resulted in an increase in monthly water payment account arrears.
Co-Authors ., Lisnawati Adela Putri, Sania Adelini Siagian Agiet Mutiara Rengganis Agung Nugraha agung setiawan Agustin, Lismaini Ahmad Muhaisin B Syarbaini Ahmad Syakir Ahmad, Alya Hamdini Ahmadi Bi Rahmani, Nur Aldi Fernando Amanda Damayanti Nasution Amanda, Annisa Rizka Amelia Putri Amin, Haris Al Anastasya Br Ginting Andri Soemitra Andri Soemitra Anggita Rizkia Anggraini , Widia Angraini, Tuti Aninda Zahra Anio Indah Lestari Anisa Mawaddah Nst Aprilia Indah Saputri Rambe Aprilia, Dita Aqila Tamima Aqwa Naser Daulay Arif, Muhammad Arifin Fauzi Lubis Asmaul Husna Asmaul Husna Asri Lestari Atika Atika Ayu Andini Azhari Akmal Tarigan Azka Wardatul Hayyah Azka Wardatul Hayyah Azmi Lubis, Muhammad Azzahra, Aisya azzahri, khairul Baehaqi Basania Nasution Batubara, Muslimatul Husnah Beny Sitakar Br Ginting, Herminaria Chairani, Zizah Chuzaimah Batubara Cici Winda Atila Cindy Clara Afifah Cindy Purnama Asry Nasution Damanik, Aryaji Wardana Dea Puspita Diana Diana Dimas Pratama Elsa Mayori Elsa Elsa Zulfita Erna Sipahutar Fachry Abda El Rahman Fadhila Rahma, Tri Inda Fadhila, Tri Inda Fattonah, Rindang Dwi Febrianti, Rani Feri Wijaya Fitria Hanum Fitrianur Ahmad Sihombing Frissai Gusminar Mutia Gustrianingsih G Hamtheldy, Raihan Zaky Harahap, Dewi Anna Sari Harahap, Rahmat Daim Harahap, Yusra Lestari Haris Al Amin Hasan Basri, Tengku Hasibuan, Abdi Satria Hasibuan, Adik Tya Hasibuan, Jihan Isnaini Haya, Salwa Fadhilah Hazrah, Siti Helva Diansyah Putri Hendra Harmain Hendra Harmain Hendra Hermain Hilmi, Hafizh Hotbin Hasugian Hotbin Hasugian Ilham Wahyudi Imsar, Imsar Imsar2 Indah Aryani Indah Lestari, Annio Indah Wulan Sari BatuBara Indra, Ahmad Perdana Indradewa, Rhian Irani Eka Putri Pohan Isnaini Harahap Julfan Saputra Juni Anggriany Kaidah Sinaga, Ade Nurul Kembaren, Nurul Fadhilah Yusri Khairil Fitrah Harahap Khairunnisa Azzahra Laylan Syafina Lingga, Fitria Ratna Liska Febrianti Lubis, Listiya Andana Lubis, Minta Ito Lubis, Nur Jannah Lubis, Zul Fahmi M. Hizbullah Hasibuan M. Reza Shah Fahlevi Lubis Mahvi, Muhammad Rizky Maidalena Maidalena, Maidalena Majalipa Awalia Marliyah Marliyah Marliyah, Marliyah Maryam Batubara Maryam Batubara Masitha Khairani Hasibuan Maulida Marpaung Ma’arif Noer Lubis Mei Fani, Mukhammad As Alukal Huda Mei Habibah Dalimunthe Meiliani, Risa Melisa Syafitri Amalia Mhd. Arifta Pulung Tumannger Miftahul Husna Hutapea Minta Ito Lubis Miranda Miranda Miranda, Miranda Muhammad Anshari Hutasuhut Muhammad Arif Muhammad Lathief Ilhamy Nasution Muhammad Ramadhan Muhammad Ridwan Muhammad Rizky Muhammad Syafii muhammad Syahbudi, muhammad Muhammad Yafiz, Muhammad Munthe, Ira Hairun Nisa Munthe, Yusnita Ulfah Murni Sofiah Muslimatul Husnah Batubara Mustapa  Khamal  Rokan Mutia, Frissai Gusminar Mutiara Annisa Nabila, Vania Sally Nastiti . Nasution, Annio Indah Lestari Nasution, Eldzan Izzahara Nasution, Juliana Nasution, Lis Mawarni Nasution, Silpiah Jahra Nia Andriani Niken Rahmadyah Niki Aulia Nst, Muhammad Lathief Ilhamy Nufikha, iyundzira Nufikha, Liyundzira Nur Ahmadi Bi Rahmani NUR AHMADI BI RAHMANI Nur Hanisah Lubis Nurbaiti Nurbaiti Nurbaiti Nurhidayah Nurhidayah Nursantri Yanti Nurul Aini Siregar Nurul Jannah Nurwani Nurwani, Nurwani Pohan, Rahma Nur Azizah Putri Apriyani br Rangkuti Qarni, Waizul Rahimi, Siti Rahma, Tri Indah Fadhila Rahmani, Nur Ahmadi Bi Rahmat Daim Harahap Rahmat Daim Harahap Raihan Zaky Hamtheldy Ramadhani, Sri Raudhah Jannatun Raudhatul Jannah Reni Ria Armayani Hasibuan Revika Revika Viola Azzahara Reza Febrian Ridho Fachrozie Rifki Akmal Tanjung Rio Ariangga Hutagalung Ritonga, Mei Anriani Rizki Wahyudi Rizkia, Anggita Rizky Ananda Utami Roza, Fitra Maulana Rustiana, Devara Safitri, Kenanga Sakinah Sakinah Sakinah Salsabila, Amanda Putri Salsabila, Tasya Salwa Fadhilah Haya Saparuddin Siregar Saparuddin Siregar Saparuddin Siregar Saparuddin Siregar Saputra, Julfan Saragih, Arif Kusnedi Saragih, Fitriani Sari, Ika Damai Siregar, Padrie Payung Siti Hazrah Siti Nur Adillah Siti Nurhaliza Sofiah, Murni Sofyanda, M. UKi Sophia Rahmadhani Sri Anjani Sri Sudiarti sri sudiarti Sri Sudiarti sri sudiarti Sri Wahyuni Suci Afria Sasty Siregar Sudirman Suparmin Sugianto Sugianto Sugianto Sugianto Sumi, Raudatun Syahputri, Diana Syakir, Ahmad Syamsiar, Syamsiar T. Wulan Arianti Tasya Rahma Dayani Pohan Tri Inda Fadhila Rahma Tri Inda Fadhila Rahma Tri Inda Fadhila Rahma Tuti Anggraini Umi Khairani Utami R.A Padang Vania Sally Nabila Wahyu Andriansyah Naibaho Widia Angraini Windi Mayani Dalimunthe Yani, Yusra Yasmine, Resa Yenni Samri Juliati Nasution YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yunda Herliana Yuningsih, Apriliani Zahra Amalia Khairani Zuhrinal M. Nawawi Zuhrinal. M. Nawawi Zulpan, Zulpan  Yenni Samri Juliati Nasution