Azhari, Alwan
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Produk-Produk Dana Pihak Ketiga (DPK) Sebagai Sarana Simpanan Dana Dan Layanan Pendukung Di PT Bank Sumut KCP Syariah Simpang Kayu Besar Azhari, Alwan; Dalimunthe, Ahmad Amin
Al-Sharf: Jurnal Ekonomi Islam Vol 5, No 1 (2024)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v5i1.11438

Abstract

The banking system in Indonesia is currently growing rapidly, which aims to facilitate the banking sector and especially from the convenience and security of the banking customers themselves. This study aims to find out what are the products of third party funds as a means of depositing funds and supporting services at Bank Sumut Syariah Kcp Simpang Kayu Besar. In this study, the authors used qualitative research methods with descriptive analysis techniques. Then all the sources of this research were obtained by conducting interview sessions with the bank, while the secondary data obtained in this study were obtained based on what had been obtained from the literature study. In the process of raising funds, the bank has several ways of raising funds and one of them is by relying on Third Party Funds (DPK). In this DPK, the Bank offers several products for depositing funds, namely Savings, Current Accounts, and Time Deposits. Based on data obtained from PT Bank Sumut Syariah Kcp Simpang Kayu Besar, there is a decrease and increase in the annual margin that occurs in TPF in 2019-2021 at PT Bank Sumut Syariah Simpang Kayu Besar.
PENGARUH FITUR VIRTUAL ACCOUNT BILLING, PAYMENT TRANSACTION, DAN E-STATEMENT TERHADAP PENGAPLIKASIAN M-BANKING Azhari, Alwan; Anggraini, Tuti
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 6 No 2 (2023): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v6i2.7085

Abstract

Customers experience many problems in making direct transactions through ATM outlets such as waiting for queues at banks, remote home locations, checking bank statements and several other problems. The research aims to see the effect of virtual account billing, payment transactions, and e-statements on customer convenience in applying m-banking. This study used quantitative research methods and distributed questionnaires to 100 respondents of Sharia Banking study program students of North Sumatra State Islamic University 2019 and then processed on the SPSS application Version 29.0. This study shows that simultaneously all variables used, namely virtual account billing, payment transactions, and e-statements simultaneously have a significant influence shown by the results of the F value of the table of 20.782 > 2.70. Partially, payment transaction variables and e-statements have a significant effect on customer convenience. While the virtual account variable has no influence on the ease of customers in applying m-banking.