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Uluan Silaen
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Pelatihan Tentang Teknik Mengakses Permodalan Perbankan (PT. Mahatani) Bogor Sinta Listari; Uluan Silaen; Rini Syarif
Jurnal Abdimas Dedikasi Kesatuan Vol 1 No 2 (2020): JADKES Edisi Desember 2020
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jadkes.v1i2.519

Abstract

Perusahaan senantiasa akan berusaha untuk mengembangkan usahanya salah satunya dengan cara meningkatkan volume usaha. Hal ini bertujuan agar perusahaan mencapai laba optimal. Dalam proses pengembangan usaha, perusahaan membutuhkan modal usaha yang digunakan untuk menunjang kelancaran operasional perusahaan . Besarnya kebutuhan modal Usaha bagi perusahaan akan berbeda-beda, tergantung dari jenis usaha yang digarap, mulai dari usaha kecil, menengah, dan usaha besar. Masing-masing memerlukan modal dalam batas tertentu. Pada awalnya suatu perusahaan membiayai modal kerjanya berasal dari pemilik perusahaan. Namun seiring dengan perkembangan yang telah dicapai perusahaan, maka kebutuhan modal usaha pun akan meningkat dari waktu ke waktu. Modal usaha perusahaan dapat meningkat apabila terjadi peningkatan jumlah penjualan perusahaan. Peningkatan penjualan menyebabkan peningkatan jumlah persediaan barang dagangan. Modal Usaha dibutuhkan dalam rangka membiayai peningkatan jumlah persediaan bagi perusahaan. Penambahan modal usaha dapat dilakukan dengan berbagai cara, salah satunya adalah dengan mengakses permodalan lewat perbankan dengan pengajuan pinjaman. Kata kunci: Modal Usaha, Pengembangan Usaha, perbankan.
Strategi Meningkatkan Penjualan Fasilitas QRIS Guna Mempermudah Melakukan Transaksi Pada Bank BJB Kantor Cabang Pembantu Surya Kencana Uluan Silaen; Muhammad Rappi
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.v2i2.1474

Abstract

The development of the internet is increasing day by day both in technology and in its use, with the many features of payment features or transactions using digital banking facilities in this growing era, customers can make transactions using digital banking services that have been provided by banks such as internet banking, m-bangking, sms. banking or now customers can make payments or transactions with one click using a QR code. The purpose of this discussion is to find out how the public knows how customer knowledge is with the development of digital banking as well as to make it easier for customers to make transactions using digital banking. The results of the discussion show that the strategy for offering QRIS facilities at PT. Bank Pembangunan Daerah Jawa Brat and Banten, Tbk KCP Surya Kencana if the customer is interested in using this facility the customer must apply for the facility by filling out a form as well as other complementary documents, and the use of this facility can be beneficial for PT. Regional Development Bank Jawa Brat and Banten, Tbk KCP Surya Kencana and also for customers who use this QRIS facility. Keywords: digital banking
Sustainability Accounting and Investment Decision: A Systematic Literature Review Diva Bestiaulia; Aang Munawar; Tri Marlina; Arief Fahmie; Uluan Silaen
Jurnal Aplikasi Bisnis Kesatuan Vol. 6 No. 1 (2026): JABKES Edisi April 2026
Publisher : Program Vokasi dan LPPM IBI Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jabkes.v6i1.3619

Abstract

This study conducts a comprehensive systematic literature review (SLR) to examine the relationship between sustainability accounting and investment decision-making. Amid growing global attention to environmental, social, and governance (ESG) issues, the relevance of sustainability accounting in shaping investment practices has intensified. By synthesizing scholarly publications from 1990 to 2025, the review identifies prevailing themes, theoretical perspectives, and methodological patterns. The findings reveal a significant rise in research interest post-2015 and underscore the interdisciplinary nature of the field, spanning business, environmental science, and economics. Despite substantial progress, challenges persist in standardizing sustainability disclosures, addressing regional imbalances, and integrating technological innovations. The study concludes with managerial implications and proposes future research directions to better align sustainability reporting with investment decision-making imperatives. Keywords: sustainability accounting, investment decision, ESG, systematic literature review, sustainability disclosure, sustainable finance.
Teller Communication Quality And Customer Relationship Outcomes In Retail Banking: An Integrative Review And Conceptual Framework Uluan Silaen; Mumuh Mulyana; Yudin Taqyudin
Jurnal Aplikasi Bisnis Kesatuan Vol. 6 No. 2 (2026): JABKES Edisi Agustus 2026
Publisher : Program Vokasi dan LPPM IBI Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jabkes.v6i2.5731

Abstract

Despite the rapid expansion of mobile and digital banking, face-to-face interactions between bank tellers and customers remain important service encounters, particularly for transactions requiring assistance, clarification, problem resolution, and assurance. In such encounters, teller performance is not determined solely by transaction speed and accuracy but also by the quality of interpersonal communication. This study examines the role of teller communication quality in shaping customer perceptions and relationship outcomes in retail banking. Using an integrative literature review, the study synthesizes research on service encounters, interpersonal communication, frontline employee behavior, service quality, customer satisfaction, trust, and loyalty. The synthesis identifies six core dimensions of teller communication quality: communication clarity, active listening, empathy, assurance and credibility, relational warmth, and nonverbal congruence. The proposed framework suggests that teller communication quality enhances perceived service quality and directly strengthens customer satisfaction and trust. Perceived service quality further mediates the relationship between communication quality and satisfaction, while satisfaction and trust serve as mechanisms through which teller communication contributes to customer loyalty. Transaction complexity and service pressure are also proposed as contextual factors affecting the strength of these relationships. The study contributes to banking service literature by conceptualizing teller communication as a multidimensional strategic capability rather than merely a component of general service quality. Managerially, the findings imply that teller training should integrate transaction competence with communication competence, including active listening, plain-language explanations, empathy, complaint handling, and appropriate nonverbal behavior. Keywords: teller communication, interpersonal communication, customer satisfaction, customer trust, service quality, customer loyalty, retail banking, frontline employees
Co-Authors Aang Munawar Arief Fahmie Diva Bestiaulia Muhammad Rappi Mumuh Mulyana Rini Syarif Sinta Listari Tri Marlina Yudin Taqyudin