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All Journal Jurnal Ilmiah Manajemen Kesatuan Jurnal Aplikasi Bisnis Kesatuan Jurnal Informatika Kesatuan
Edy Safni Rosa
Institut Bisnis dan Informatika Kesatuan
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Library & Information Science Social Sciences

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Pengaruh Tabungan Mudharabah Dan Pembiayaan Musyarakah Terhadap Laba Zhalzha Febiola; Weman Suardy; Edy Safni Rosa
Jurnal Ilmiah Manajemen Kesatuan Vol 9 No 3 (2021): JIMKES Edisi Desember 2021
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v9i3.766

Abstract

This study aims to determine (1) Does mudharabah savings have a significant effect on bank profits? (2) Does musyarakah financing have a significant effect on bank profit? (3) Do mudharabah savings and musyarakah financing together have a significant effect on bank profits? The analytical method used in this research is multiple linear regression with the total profit being the dependent variable and two independent variables, namely Mudharabah Savings and Musharaka Financing. The results of data processing have obtained a regression model Y = 36964 + 0.021X1 + -0.002X2. The regression coefficient shows that if each mudharabah savings is 0.021 one unit, it is predicted that it will increase the amount of savings by 36964 units and vice versa. The value of the coefficient of determination (R2) is 0.564, this indicates that the mudharabah savings and musharaka financing variables contribute or influence 56% on the variable amount of profit. Partially, the t test results indicate that each variable the amount of mudharabah savings has a significant effect on the amount of profit so that the hypothesis is accepted and the musyarakah financing has a significant negative effect on the amount of profit. Simultaneously, the results of the F test show that together mudharabah savings and musyarakah financing have a significant effect on total profit so that the hypothesis is accepted. Keywords: Mudharabah Savings, Musharaka Financing, Profit.
Tinjauan Atas Aktivitas Harian Unit Teller Pada Pt Bank Negara Indonesia (Persero) Tbk. Kantor Cabang Utama Cibinong Ayu Nur Safitri; Muhammad Ariffin; Edy Safni Rosa
Jurnal Aplikasi Bisnis Kesatuan Vol 2 No 2 (2022): JABKES Edisi Agustus 2022
Publisher : Program Vokasi dan LPPM IBI Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jabkes.v2i2.1481

Abstract

Teller is a part of the organizational unit located in the front office, which provides banking services for customers and/or prospective customers. Tellers are tasked with serving various transactions that will be carried out by customers at the money counter by providing good, fast, and accurate service in accordance with teller service standards. The purpose of this discussion is to find out the daily transaction activities of the teller unit, what obstacles occur at the teller caused by several factors including fatigue factors, internal factors, and external factors, as well as how to solve the teller problems. The review conducted by the author is at PT Bank Negara Indonesia (Persero) Tbk. Cibinong Main Branch Office. The results of the discussion from this review indicate that the teller of PT Bank Negara Indonesia (Persero) Tbk. KCU Cibinong has carried out various daily teller transaction activities properly and in accordance with the Teller Service Standars with the obstacles experienced by tellers can be overcome with solutions carried out by tellers and all staff of PT Bank Negara Indonesia (Persero) Tbk. Main Branch Office Cibinong. Keywords : Teller, Teller Transactions, Teller service standard
Tinjauan Atas Layanan E – Banking Dalam Meningkatkan Kepuasan Nasabah PT. Bank BUMN Kantor Cabang Pajajaran Bogor Yasicha Dwi Hafizhah; Edy Safni Rosa
Jurnal Aplikasi Bisnis Kesatuan Vol 2 No 2 (2022): JABKES Edisi Agustus 2022
Publisher : Program Vokasi dan LPPM IBI Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jabkes.v2i2.1493

Abstract

Layanan merupakan suatu tindakan yang ditawarkan oleh satu pihak ke pihak lainnya denan tujuan membantu serta memenuhi kebutuhan pihak lain secara sukarela. Selain itu dengan layanan dapat memberikan kepuasan pada pihak – pihak tertentu karena kebutuhannya telah dipenuhi dengan baik. Pengertian mendasar dari layanan E – Banking mencakup dengan kesesuaian sistem yang diberikan dengan kebutuhan para nasabah. Tujuan dari penelitian ini yaitu untuk mengetahui layanan E – Banking yang diberikan dalam rangka meningkatkan kepuasan nasabah pada PT Bank BUMN Kantor Cabang Pajajaran Bogor. Untuk Mencapai sasaran penelitian yang jelas penulis merumuskan permasalahan mengenai produk E – Banking yang diberikan. Berdasarkan hasil penelitian dan pembahasan maka dapat disimpulkan bahwa PT Bank BUMN telah memberikan layanan E – Banking yang cukup baik dan memenuhi kebutuhan para nasabahnya dengan baik. Keywords : layanan E – Banking, kepuasan nasabah
Faktor-faktor Yang Mempengaruhi Return On Asset Bank Umum Edy Safni Rosa; Siti Syafira Nurcahya
Jurnal Ilmiah Manajemen Kesatuan Vol 10 No 3 (2022): JIMKES Edisi Desember 2022
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v10i3.1630

Abstract

This research is meant to test the effect of Non Performing Loan (NPL), Loan To Deposit Ratio (LDR), And Operational Efficiency Ratio (BOPO) Toward Return On Asset (ROA) Of PT. Bank Mandiri (Persero), Tbk. The population of this study is PT. Bank Mandiri (Persero), Tbk. The data is the secondary data which has been obtained from the banking annual financial statements which have been published at wbsite bank Mandiri in 2011-2020 periods. The sample collection technique has been carried out by using purposive sampling with 2 criteria and the samples are 40. The analysis method has been done by using multiple linear regressions analysis. The classic assumption test shows that normality test has been normally distributed, the heteroscedasticity test shows that heteroscedasticity does not occur, the autocorrelation test shows that autocorrelation does not occur, and the multicollinearity test shows that multicolinearity does not occur. The hypothesis test which has been done by using t test shows that NPL variable has negative and significant influence to the ROA, LDR variable has negative and significant influence to the ROA, and BOPO variable has negative and significant influence to the ROA. The result of this study indicate that the NPL, LDR, and BOPO variables have a simultaneous effect on ROA in the F test with a significant value f 0,00 < 0,05. Keywords: NPL, LDR, BOPO and ROA.
Faktor-faktor Yang Mempengaruhi Kemampulabaan Bank Edy Safni Rosa; Kellin Noventia
Jurnal Ilmiah Manajemen Kesatuan Vol 11 No 1 (2023): JIMKES Edisi April 2023
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v11i1.1674

Abstract

This study aims to determine whether the Effect of Third Party Funds, Loan To Deposit Ratio and Credit Interest Rates in this study partially and simultaneously affect profitability as measured by Return On Assets (ROA). The population in this study were book IV banking companies listed on the Indonesia Stock Exchange (IDX) for the 2016-2020 period as many as 7 companies, then the sample was determined using the Purposive Sampling method, namely the sample was selected from a population of certain criteria, either expertly or scientifically. The analytical method used is the classical assumption test, multiple linear regression analysis test, partial test of determination coefficient test (t test), and simultaneous test (f test). Data testing was carried out using IBM SPSS Statistics 25 Software. The results of this study indicate that: 1) Third Party Funds (X1) have a significant effect on Profitability (ROA), because the more funds collected by the public in the form of savings, demand deposits, deposits, the more banks will distribute interest costs on the product so that it can reduce the income or profitability of a Bank. 2) Loan to Deposit Ratio (X2) has a significant effect on Profitability (ROA), because the more loans that are disbursed, the higher the interest income that will be obtained by the bank with the assumption that if the loans disbursed are in a smooth state, it will increase the bank's profit. the. 3) Credit Interest Rates (X3) have a significant effect on Profitability (ROA) because the more people who make credit, the credit interest income will increase so that it will increase the profitability of a Bank. 4) Third Party Funds, Loan to Deposit Ratio and Interest Rates Credit has a simultaneous and significant effect on Profitability (ROA). Keywords: Third Party Funds, Loan To Deposit Ratio, Credit Interest Rates, Profitability
Pengaruh Kualitas Layanan Mobile Banking BCA Terhadap Kepuasan Pelanggan E-Commerce Davina Evangeline; Filani Zikri Hassan; Edy Safni Rosa
Jurnal Informatika Kesatuan Vol 1 No 2 (2021): JIKES Edisi Desember 2021
Publisher : LPPM IBI Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (243.161 KB) | DOI: 10.37641/jikes.v1i2.1363

Abstract

The purpose of this research is to determine the influence of service quality Mobile Banking BCA towards E-commerce customer satisfaction specifically Shopee customers in Bogor. There were several previous researches had been done with different periods, samples, and methods with the various results so it is necessary to do further research. Additionally, the researcher also has interest to do further research since E-commerce business has been rapidly growing and how it is impacted the products of banking sector which is Mobile Banking BCA. This research consists of four independent variable taken out from service quality dimensions which are efficiency, fulfillment, reliability and privacy and one dependent variable which is e-commerce customer satisfaction. Primary data were collected by using questionnaire from costumers shopee in Bogor. At the first, the researcher uses validity and reliability test for questionnaire. Furthermore, the researcher tested the classical assumptions using the multiple linear regression with the margin of error 5 %. Last the researcher tests the hypothesis using t-test, f-test and coefficient of determination. The result indicates that reliability has no partial significant influence toward e-commerce customer satisfaction while efficiency, fulfillment and privacy have partially significant influence toward e-commerce customer satisfaction. Moreover, those four independent variables have simultaneously significant to the dependent variable which is 77,3%. Keywords: Service Quality, Efficiency, Reliability, Fulfillment, Privacy, E-commerce Customer Satisfaction
Co-Authors Ayu Nur Safitri Davina Evangeline Filani Zikri Hassan Kellin Noventia Muhammad Ariffin Siti Syafira Nurcahya Weman Suardy Yasicha Dwi Hafizhah Zhalzha Febiola