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All Journal Procuratio : Jurnal Ilmiah Manajemen Jurnal Ilmiah Pengabdian dan Inovasi ECONOMIST: Jurnal Ekonomi dan Bisnis
Subagyo, Areebah
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Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Economics, Econometrics & Finance Social Sciences

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PENGARUH DIGITAL BANKING TERHADAP PERKEMBANGAN LAYANAN BANK (STUDI KASUS IMPLEMENTASI APLIKASI LIVIN’ BY MANDIRI TERHADAP TRANSFER DI KOTA MATARAM) Subagyo, Areebah; Sukandy, Da’iah Amelia; Jati, L. Jatmiko
ECONOMIST: Jurnal Ekonomi dan Bisnis Vol. 2 No. 1 (2025): Januari 2025
Publisher : CV Sentra Nusa Connection

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63545/economist.v2i1.38

Abstract

Digital banking adalah layanan digitalisasi perbankan yang mempermudah nasabah melalui aplikasi Livin' by Mandiri, khususnya dalam transfer dana. Dengan metode kuantitatif dan pendekatan komparatif, data dari nasabah Bank Mandiri di Kota Mataram dikumpulkan untuk mengevaluasi dampak implementasi aplikasi Livin' by Mandiri terhadap layanan transfer. Hasil studi menunjukkan bahwa aplikasi Livin' by Mandiri memberikan dampak positif signifikan pada peningkatan layanan bank, terutama transfer dana. Uji validitas dan reliabilitas menegaskan kevalidan dan keandalan instrumen kuesioner. Analisis data menunjukkan bahwa digital banking berpengaruh signifikan pada perkembangan layanan bank, dengan koefisien determinasi mencapai 77,9%. Dengan demikian, penelitian membenarkan bahwa implementasi digital banking, terutama melalui aplikasi Livin' by Mandiri, berdampak positif pada peningkatan layanan bank, khususnya transfer dana. Integrasi teknologi di era digital saat ini sangat penting untuk meningkatkan pengalaman nasabah dalam bertransaksi.
PENGARUH INKLUSI DAN LITERASI KEUANGAN TERHADAP KINERJA KEUANGAN UMKM DI BTPN SYARIAH Subagyo, Areebah; Widiyasti, Baiq Dinna; Nirwana, Baiq Nadia; Hendri, Wira; Jati, L. Jatmiko
Procuratio : Jurnal Ilmiah Manajemen Vol 13 No 1 (2025): Procuratio : Jurnal Ilmiah Manajemen
Publisher : Institut Bisnis dan Teknologi Pelita Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35145/procuratio.v13i1.4863

Abstract

This research aims to test the effect of financial inclusion and test the effect of financial literacy on the financial performance of MSMEs at BTPN Syariah. This research method uses non-probability sampling with purposive sampling type. The research was conducted in Utan Regency, Sumbawa, West Nusa Tenggara with data collection techniques using questionnaires distributed directly. The respondents for this research used BTPN Syariah customers who had received guidance through MSME facilitators. This research used a sample of 93 respondents who were MSMEs and assisted customers from our bestee program at BTPN Syariah. The data analysis technique for this research uses descriptive analysis and multiple linear regression analysis with the help of SPSS software. Thus, it can be concluded that financial inclusion has a positive and significant effect on the financial performance of MSMEs, and financial literacy has a positive and significant effect on the financial performance of MSMEs. Future researchers can add other variables and increase the number of samples in the research, in order to get stronger results than previous researchers. Penelitian ini bertujuan melakukan pengujian pengaruh inklusi keuangan dan pengujian pengaruh literasi keuangan terhadap kinerja keuangan UMKM di BTPN Syariah. Metode penelitian ini menggunakan non-probability sampling dengan jenis purposive sampling. Penelitian dilakukan di Kabupaten Utan, Sumbawa, Nusa Tenggara Barat dengan teknik pengumpulan data menggunakan kuesioner yang disebarkan secara langsung. Responden penelitian ini menggunakan nasabah BTPN Syariah yang telah mendapatkan binaan melalui fasilitator pendamping UMKM. Penelitian ini menggunakan sampel sebanyak 93 responden yang merupakan pelaku UMKM dan nasabah binaan dari program kita bestee di BTPN Syariah. Teknik analisis data penelitian ini menggunakan analisis deskriptif dan analisis regresi linear berganda dengan bantuan software SPSS. Dengan demikian, dapat disimpulkan inklusi keuangan berpengaruh positif dan signifikan terhadap kinerja keuangan UMKM, dan literasi keuangan berpengaruh positif dan signifikan terhadap kinerja keuangan UMKM. Peneliti selanjutnya dapat menambahkan variabel lainnya dan meningkatkan jumlah sampel pada penelitian, agar mendapatkan hasil yang lebih kuat dibandingkan peneliti sebelumnya.
Penerapan Administrasi Manajemen Perbankan pada Bank Tabungan Negara Kantor Cabang Mataram Subagyo, Areebah; Monica Chandra Wijayanti; Ni Komang Santi Widyaswari A. N.
Jurnal Ilmiah Pengabdian dan Inovasi Vol. 2 No. 4 (2024): Jurnal Ilmiah Pengabdian dan Inovasi (Juni)
Publisher : Insan Kreasi Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57248/jilpi.v2i4.443

Abstract

This study examines the implementation of banking management administration at PT Bank Tabungan Negara (persero) Tbk, Mataram Branch Office. The aim is to evaluate the effectiveness of administrative processes and identify challenges faced in performing administrative tasks. Research methods include direct observation, interviews with bank staff, and document analysis. The findings indicate that the administrative processes at PT Bank Tabungan Negara (persero) Tbk, Mataram Branch Office function well, despite some technical challenges such as delays in archiving and data entry errors. These issues can be addressed through continuous training for employees and enhanced inter-departmental coordination. The author also emphasizes the importance of upgrading technological infrastructure to support work efficiency. Other recommendations include improving the information management system and developing orientation programs for new employees. The internship at PT Bank Tabungan Negara (Persero) Tbk Mataram Branch Office provides real work experience, enhances both technical and soft skills, and helps students adapt to workplace culture while building professional networks in the banking industry. Overall, this study provides insights into the importance of effective administration in banking operations and offers practical solutions to enhance administrative performance at PT Bank Tabungan Negara (persero) Tbk, Mataram Branch Office.
Co-Authors Baiq Dinna Widiyasti Baiq Nadia Nirwana Monica Chandra Wijayanti Ni Komang Santi Widyaswari A. N. Sukandy, Da’iah Amelia Wira Hendri