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All Journal JIKA: Jurnal Ilmu Keuangan dan Perbankan AMALIAH: JURNAL PENGABDIAN KEPADA MASYARAKAT Aghniya: Jurnal Ekonomi Islam Al-Sharf: Jurnal Ekonomi Islam Bisnis Net : Jurnal Ekonomi dan Bisnis Fitrah: Journal of Islamic Education Journal Of Sharia Banking Jurnal Pengabdian Masyarakat Hablum Minannas Journal Liaison Academia and Society KOLONI International Journal of Integrative Sciences Innovative: Journal Of Social Science Research Jurnal Ilmu Manajemen Dan Kewirausahaan (JIMK) Jurnal Penelitian dan Pengkajian Ilmiah International Journal of Islamic Economics (IJIE) STARLA : Jurnal Pengabdian Masyarakat International Journal of Islamic Business Management Jurnal Ilmu Hukum dan Keadilan
Harahap, M. Guffar
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THE INFLUENCE OF ASSETS, NON-PERFORMING LOANS (NPL), ALLOWANCE FOR IMPAIRMENT LOSSES (PYD), AND THIRD-PARTY FUNDS (DPK) ON THE NUMBER OF KB BANK OFFICES OVER THE 2021–2025 PERIOD. Ami Nullah Marlis Tanjung; M. Guffar Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 5 No 3 (2026)
Publisher : CV. Barokah Publsiher

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Abstract

This study aims to examine the influence of financial performance indicators on both the physical branch network and financing distribution at KB Bank Indonesia. Specifically, it investigates the effect of Assets, Non-Performing Loans (NPL), Allowance for Impairment Losses (PYD), and Third-Party Funds (DPK) on the number of bank offices over the 2021–2025 period, as well as the impact of Non-Performing Financing (NPF) and Net Income (NI) on financing disbursement during the 2023–2025 period. This research employs a quantitative associative approach, utilizing secondary data derived from the bank's published financial reports. Data analysis was conducted using SPSS, encompassing validity and reliability tests, classical assumption tests (normality, multicollinearity, linearity, and heteroscedasticity), multiple linear regression, and hypothesis testing (t-test and F-test). The findings reveal that the number of KB Bank offices declined consistently from 352 in 2021 to 150 in 2025; however, this downward trend was not uniformly accompanied by deterioration in financial indicators, as certain years witnessed simultaneous office reductions with asset growth and improved credit ratios. This suggests that branch rationalization decisions are driven more by digital transformation and operational efficiency strategies than by a deterministic financial formula. Furthermore, the regression analysis demonstrates that NPF and NI jointly explain 99.7% (R²) of the variation in financing distribution. Partially, NPF exerts a positive and significant effect on financing (t-count 6.546 > 2.056; sig. 0.000 < 0.05), whereas NI exhibits a negative and insignificant effect (t-count -0.553 < 2.056; sig. 0.655 > 0.05), indicating that increased profitability does not automatically translate into credit expansion. The F-test confirms the simultaneous significance of both variables (F-count 1605.499 > 3.39; sig. 0.000 < 0.05). In conclusion, the relationship between financial indicators and banking strategies is asymmetric and highly contextual, underscoring the shift from physical expansion toward digital optimization. While KB Bank Syariah demonstrates operational effectiveness in asset management and intermediation, stringent risk management remains imperative. For regulators, these findings highlight the necessity of balancing digital transformation policies with sustained financial inclusion, particularly in underserved regions. Future research is encouraged to incorporate moderating variables such as interest rates, inflation, or technology adoption indices to attain a more comprehensive understanding.
PKM Menuju UMKM Ekonomi Kreatif Berbasis Digital Pada Masyarakat Pelaku Usaha Bank Wakaf Mikro ( BWM) Pesantren Mawaridusaalam Desa Tumpatan Kecamatan Batang Kuis Deli Serdang Sumatera Utara Henny Andriyani Wirananda; Wan Dian Safina; M. Guffar Harahap; Wilda Sri Munawaroh
Amaliah: Jurnal Pengabdian Kepada Masyarakat Vol 9 No 1 (2025): Amaliah Jurnal: Pengabdian kepada Masyarakat
Publisher : LPPI UMN AL WASHLIYAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32696/ajpkm.v9i1.4524

Abstract

Kegiatan PKM ini dilaksanakan sebagai tugas Tri Darma Perguruan Tinggi yaitu Pengabdian Kepada Masyarakat yang sekaligus merupakan bagian dari tugas pelaksanaan dosen. Kegiatan PKM ini dilaksanakan untuk membantu Umkm Ekonomi Kreatif Berbasis Digital Pada Masyarakat Pelaku Usaha Bank Wakaf Mikro ( Bwm) Pesantren Mawaridusaalam Desa Tumpatan Kecamatan Batang Kuis Deli Serdang Sumatera Utara. tujuan diadakannya PKM ini untuk memberikan penyuluhan kepada pihak staff Lembaga keuangan dan para guru pesantren untuk mengembangkan ekonomi kreatif berbasis digital yang dapat memudahkan pihak sekolah untuk berkembang kearah yang lebih baik lagi. Permasalahan yang sering terjadi dimana para guru kurang memahami cara berwirausaha sehingga belum banyak dari mereka yang mempelajari mendalam mengenai ekonomi kreatif berbasis digital pada Masyarakat di Lembaga keuangan bank wakaf mikro mawaridusaalam. Maka disini staff dan Guru sebagai mitra dan media pembelajaran siswa/i pesantren mawaridusaalam untuk mengajarkan kreativitas siswa sejak dini berbasis digital. Metode pendekatan yang ditawarkan untuk menyelesaikan masalah ini adalah dengan metode ceramah dan metode diskusi kepada staff Lembaga keuangan, para guru dan pihak sekolah. Hasil yang telah dilakukan dalam Program Kemitraan Masyarakat (PKM) ini diantaranya adalah memberikan pemahaman mengenai ekonomi kreatif berbasis digital pada Masyarakat pelaku usaha Bank Wakaf Mikro (BWM). Kata kunci: Ekonomi, Kreatif, Digital, BWM
Co-Authors Ami Nullah Marlis Ami Nullah Marlis Tanjung Ami Nullah Marlis tanjung Ami Nullah Marlis Tanjung Ami Amri Anggia Sari Lubis, Anggia Sari Anjami Nadila Ardat Ardat Ardat Ardat, Ardat Aswin Fahmi Aswin Fahmi Aswin Fahmin Darma Azrai Harahap Azrai, Azrai Cindy Claudya Vaglyn Ismon Cita Ayni Putri Silalahi Darma, Aswin Fahmi Dewi Sundari Dinda Mustika Nasution Fahmi D, Aswin Fahmi, Aswin Friska Haliza Siregar Haidir Haidir Haidir Haidir, Haidir Harahap, Azrai Jannatul Kharimah Hasibuan M Radiansyah M. Radian Syah M. Radian Syah M. Radiansyah Marlis Tanjung, Ami Nullah Muhajirin Ansori Situmorang Muhamad Hizbulllah Muhammad Fauzi Siregar Muhammad Hizbullah Muhammad Radian syah Muhammad Radian Syah Munawaroh Munawaroh Munawaroh Namira Anjani Nur&#039;ain Harahap Nur&#039;ain Purwoko, Agus Putri Silalahi, Cita Ayni Radiansyah, M. Rahmadani Rahmadani Rozainun Haji Abdul Aziz Safina, Wan Dian Safira Khoirunnisa Salsabila, Suci Khairina Saragih, Alkausar Sari Wulandari Sari Wulandari Sari, Indah Mayang Sulastri Syah, M. Radian Syah, Muhammad Radian Syahputra, Danil Tanjung, Aminullah Marlis Tiffany Dwita Sari Veri Pramudia Wilda Sri Munawaroh Harahap Wirananda, Henny Andriyani