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All Journal Jurnal Ekonomi International Journal of Economics and Management Research
Sri Astika
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Effectiveness Of Loan Funds At Bank Financial Institutions And Non-Bank Financial Institutions (Study Of BRI And Pegadaian Nunukan Branch) Sri Astika; Sinaga, Samuel Partogi Hasubungan; Harianti, Harianti; Nurul Aspadilah; Muhammad Syarif
Jurnal Ekonomi Vol. 13 No. 03 (2024): Jurnal Ekonomi, Edition July -September 2024
Publisher : SEAN Institute

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Abstract

The presence of bank financial institutions and non-bank financial institutions means that people have many alternative choices of providers of financial capital. The community is given freedom and flexibility in determining financial institutions that suit their needs and capabilities in repaying loan funds to help with financial needs. This was utilized by BRI and Pegadaian Nunukan. This research aims to determine the mechanism for lending funds to BRI and Pegadaian Nunukan Branch, and to determine the effectiveness of lending funds between BRI and Pegadaian Nunukan Branch. This research is qualitative research, using observation, interviews and documentation as data collection methods. The data obtained was then compared using descriptive comparative methods. The results of this research can be concluded that BRI and Pegadaian Nunukan Branch have their respective advantages. Pegadaian has the advantage of lower interest and fines compared to BRI. Meanwhile, BRI has the advantage of a larger loan limit, namely up to 50 million, can be repaid in a maximum of 5 years and without using collateral. If a customer wants to apply for a loan of 10 million or less, the Nunukan Branch Pegadaian will be more effective for borrowing funds because the interest at the Nunukan Branch Pegadaian is lower compared to the BRI Nunukan Branch. Apart from interest, the fines charged if customers are late in paying installments are also lower than BRI Nunukan Branch.
Analysis of Customer Perceptions of Security and Ease of Transactions Using the BRImo Application at the BRI Nunukan Branch Sri Astika; Lisa Binti Harun; Novianti Arif; Nur Aida; Luti Wiyani; Herlina Herlina; Harianti Harianti; Ilham Ilham; Rezky Putra Supardi; Canda Putri Anggini; Ayu Permata Sari
International Journal of Economics and Management Research Vol. 5 No. 1 (2026): April: International Journal of Economics and Management Research
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v5i1.638

Abstract

This study examines users' perceptions of security and convenience in using the BRImo mobile banking application at BRI Nunukan Branch, a digital financial service increasingly relied upon for daily transactions. Despite rapid digitalization in the banking sector, many users still express concerns regarding data protection, transaction safety, and the reliability of mobile banking features. Therefore, this research aims to explore in depth how BRImo users evaluate the security and convenience of the application, and what factors influence their overall experience. This study employs a qualitative case study approach involving 30 active BRImo users selected using purposive sampling. Data were collected through in-depth interviews, direct observation of application usage, and documentation, then analyzed using the Miles and Huberman model, consisting of data reduction, data display, and conclusion drawing. The findings indicate that BRImo is generally perceived as secure due to layered security features such as PIN, password, OTP, and fingerprint authentication, supported by BRI's internal monitoring system for suspicious transactions. However, some users still experience minor issues such as delayed OTP or temporary account blocking. In terms of convenience, the majority of respondents consider BRImo easy to use, with intuitive menus and fast transaction processes, although challenges remain among new users and those facing unstable internet connections. These findings demonstrate that both security and convenience significantly shape user trust and satisfaction. This research contributes to a deeper understanding of digital banking adoption in non-urban settings, emphasizing the role of user experience in strengthening digital service engagement. The study concludes that BRImo provides adequate security and high convenience, while recommending continuous system improvement and customer education to enhance digital transaction safety and usability.
Co-Authors Ayu Permata Sari Canda Putri Anggini HARIANTI Harianti Harianti Harianti Herlina Herlina Ilham Ilham Lisa Binti Harun Luti Wiyani Muhammad Syarif Novianti Arif Nur Aida Nurul Aspadilah Rezky Putra Supardi Sinaga, Samuel Partogi Hasubungan