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All Journal KEUNIS Jurnal Pustaka Aktiva : Pusat Akses Kajian Akuntansi, Manajemen, Investasi, dan Valuta Jurnal Inovasi Akuntansi Indonesian Journal of Banking and Financial Technology (FINTECH)
Embun Duriany Soemarso
Politeknik Negeri Semarang
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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ANALISIS KEPUASAN NASABAH ATAS KUALITAS LAYANAN INTERNET BANKING PADA PT BANK PEMBANGUNAN DAERAH JAWA TENGAH KANTOR CABANG PATI Anita Elvi Mutiasari; Embun Duriany Soemarso
KEUNIS Vol 8, No 2 (2020): JULI 2020
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (450.022 KB) | DOI: 10.32497/keunis.v8i2.2112

Abstract

This research aims to identify how to increase customer satisfaction of internet banking service quality at PT Bank Pembangunan Daerah Jawa Tengah Pati Branch Office with five dimensions of service quality which were tangible, reliability, responsiveness, assurance, and empathy.In this research, the sampling technique used was purposive sampling technique. The data in this research were obtained from observations and distributing questionnaires to 100 respondents. Data analysis methods used are validity test, reliability test, satisfaction index test, satisfaction gap test and satisfaction mapping with cartesian diagram.Based on the result of the validity and reliability test, the indicators like tangible, reliability, responsiveness, assurance and empathy are valid and reliable. Based on the result of the satisfaction index analysis, the weighting score of internet banking quality service is 4,219. That score is between 3,43 – 4,23 wich means Satisfied. Based on the result of the satisfaction gap test the increase of satisfaction established on the fourteen sub-indicators show satisfaction, and four sub-indicators show dissatisfaction. Meanwhile, when viewed from the cartesian diagram mapping result, there are four indicators that fall into the quadrant I, four indicators in the quadrant II, four indicators in the quadrant III, and six indicators in the quadrant IV.
ANALISIS PENGARUH CAPITAL ADEQUACY RATIO (CAR), LOAN TO DEPOSIT RATIO (LDR), DAN BIAYA OPERASIONAL DIBANDINGKAN PENDAPATAN OPERASIONAL (BOPO) TERHADAP RETURN ON ASSET (ROA) PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2015-2017 Wisnu Adi Wibowo; Nina Woelan Soebroto; Embun Duriany Soemarso
KEUNIS Vol 7, No 2 (2019): JULI 2019
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (564.875 KB) | DOI: 10.32497/keunis.v7i2.1587

Abstract

This study aims to analyze the influence of Ratio Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and Operational Income Cost Effect (BOPO) partially or simultaneously to Return On Assets (ROA) at Bank Umum Syariah in Indonesia., The period 2015-2017. The data used in this study obtained from the quarterly financial reports through the website. Population and sample in this research is Bank Syariah Mandiri, Bank Mega Syariah and Bank BNI Syariah. The results of hypothesis testing using multiple linear regression analysis using SPSS 16. The result of determination coefficient shows the result of 0,774 or 77,4% of variable Return On Assets (ROA) influenced by Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and Operational Income Cost Effect (BOPO), the remaining 22,6% is influenced by other factors. The results of the F test or simultaneously Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and Operational Income Cost Effect (BOPO) together have a significant effect on Return On Assets (ROA). While t test or partially, Operational Income Cost Effect (BOPO) have significant influence to Return On Assets (ROA) while Capital Adequacy Ratio (CAR) and Loan to Deposit Ratio (LDR) has no significant effect to Return On Assets (ROA) on Bank Umum Syariah in Indonesia Period 2015-2017.
ANALISIS PENGARUH BAURAN PEMASARAN TERHADAP PENGAMBILAN KEPUTUSAN MENABUNG BRITAMA PADA PT BANK RAKYAT INDONESIA (PERSERO), Tbk CABANG PEMBANTU PURI ANJASMORO SEMARANG Kinanda Nor Cahya Ningtias; Embun Duriany Soemarso
KEUNIS Vol 7, No 1 (2019): JANUARI 2019
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (274.189 KB) | DOI: 10.32497/keunis.v7i1.1530

Abstract

This study aims to determine the significance of marketing mix variables consisting of product, price, promotion, place, people, processe, and physical evidence of BritAma saving decision making at PT Bank Rakyat Indonesia (Persero), Branch of Puri Anjasmoro Semarang. This study uses primary data from the distribution of questionnaires and secondary data from book literature and research journals. The population of this research is all the savings customers of BritAma PT Bank Rakyat Indonesia (Persero), Tbk Branch of Puri Anjasmoro Semarng. Sampling technique in this research is purposive sampling and accidental sampling. Data analysis method in this research is Multiple Linear Regression Analysis Model. Besides, data quality test in this research is done by using validity test and reliability test, and classical assumption test in the form of normality test, heteroskedasticity test, and multicolonierity test. In this study used data analysis techniques in the form of F test, t test, and coefficient of determination (R2). Based on the results of the analysis and discussion shows that the product, price, promotion, place, person, process, and physical evidence simultaneously significantly influence the decision of saving BritAma at PT Bank Rakyat Indonesia (Persero), Tbk Branch of Puri Anjasmoro Semarang. While partially there are only four variables that have a significant effect on Britama saving decision making is the product, promotion, place, and process. For the other three variables are price, people, and physical evidence have no significant effect on the decision of saving BritAma at PT Bank Rakyat Indonesia (Persero), Tbk Branch of Puri Anjasmoro Semarang.
ANALISIS PENGARUH KUALITAS PRODUK, KUALITAS PELAYANAN DAN KEPERCAYAAN TERHADAP MINAT MENABUNG PADA PT BANK TABUNGAN NEGARA (PERSERO) TBK. CABANG SEMARANG Novita Himatul Ulya; Embun Duriany Soemarso; Moch. Abdul Kodir
KEUNIS Vol 8, No 1 (2020): JANUARI 2020
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (240.808 KB) | DOI: 10.32497/keunis.v8i1.2132

Abstract

This research aims to determine the significance of the variables influence the product quality, service quality and trust of the customers saving interest at PT Bank Tabungan Negara (Persero) Tbk. Cabang Semarang. This study uses primary data with questioner and secondary data. The population in this study are all savings customers at PT Bank Tabungan Negara (Persero) Tbk. Cabang Semarang. The sampling technique used was purposive sampling and accidental sampling. The analysis model used in this research is Linear Regression Analysis Model, while the data analysis techniques using the F test, t test, and coefficient of determination (R2). In addition, it also tests the quality of the data in the form of tests validity and reliability, as well as a classical assumption test with normality tests, multicollinearity tests, heteroscedasticity tests, and autocorrelation tests. Test data indicate that the data is valid and reliable and free from irregularities classical assumptions. The analysis and discussion showed that product quality, service quality and trust simulataniously significant influence customers saving interest at PT Bank Tabungan Negara (Persero) Tbk. Cabang Semarang. Variable service quality and trust partially significant influence customer saving interest, while the variable product quality not significantly influence customer saving interest at PT Bank Tabungan Negara (Persero) Tbk. Cabang Semarang.
PENILAIAN KINERJA RETURN PENGELOLAAN ASSET PERBANKAN (Studi Komparasi Pada Bank Umum Swasta Nasional Devisa dan Bank Asing) Winarni Winarni; Embun Duriany Soemarso; Sri Widiyati; R. Gunawan Setianegara; Nurseto Adhi
KEUNIS Vol 10, No 2 (2022): JULY 2022
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (484.377 KB) | DOI: 10.32497/keunis.v10i2.3467

Abstract

This study tried to analyse perfomance evaluation of banking asset management returns based on fundamental and macro factors from BUSND and foreign bank. This research also analyse the different of banking asset management Performance on BUSND and Foreign Bank. Multiple regression analysis method, F significance test, coefficient of determination and t significance test was used in This research. In order to find out the difference in asset return management between BUSND and foreign banks, a Chow-test was carried out.This study simultaneously found that fundamental factors proxied by the ratio of CAR, NIM, BOPO, LDR, and macro factors using SBI interest rates and exchange rates had a significant effect on ROA both in BUSND and foreign banks. In BUSND the independent variables for fundamental factors that have a significant effect on ROA are CAR, NIM, BOPO, and macro factors, namely the SBI interest rate, for foreign banks the results of the independent variables for fundamental factors that affect ROA are CAR, BOPO, and LDR . For the results of the Chow test, it was found that there was a significant difference between BUSND and foreign banks in terms of managing returns from the placement of bank assets (Return On Assets).
Strategi Pemasaran Digital Produk Cicil Emas pada Bank BSI KCP Semarang Banyumanik Denny Ramadhan; Embun Duriany Soemarso; Septian Yudha Kusuma
Jurnal Pustaka Aktiva (Pusat Akses Kajian Akuntansi, Manajemen, Investasi, dan Valuta) Vol 2 No 2 (2022): Jurnal Pustaka Aktiva (Pusat Akses Kajian Akuntansi, Manajemen, Investasi, dan Va
Publisher : Pustaka Galeri Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan untuk mengetahui strategi pemasaran digital Produk Cicil Emas oleh PT Bank Syariah Indonesia, Tbk (BSI) Kantor Cabang Pembantu Semarang Banyumanik, kekuatan dan kelemahan dalam pemasaran digital Produk Cicil Emas dan kendala-kendala yang dihadapi BSI Kantor Cabang Pembantu Semarang Banyumanik dalam melaksanakan strategi pemasaran digital pada Produk Cicil Emas. Pengumpulan data menggunakan metode observasi, wawancara dan studi pustaka. Sedangkan teknik pembahasan yang digunakan adalah deskriptif kualitatif. Strategi pemasaran digital yang digunakan pada BSI Kantor Cabang Pembantu Semarang Banyumanik berupa Financial Technology, Social Media, Referral Marketing, Content Marketing dan Online Advertising. Kekuatan dari strategi digital yang digunakan antara lain yaitu, menghubungkan Pawning Sales Officer dengan nasabah di internet, menghasilkan prospek permintaan yang tinggi, menghemat waktu dan anggaran pengeluaran serta respon cepat dengan layanan real time. Sedangkan kelemahannya antara lain yaitu, strategi yang mudah ditiru, jika tidak menarik, tidak akan dilirik, perlu waktu untuk memahami pemasaran digital, tidak selalu cocok untuk kebutuhan pengguna Internet secara keseluruhan, reputasi bisa hancur jika banyak reaksi negatif, tidak semua masyarakat menggunakan Internet. Kendala yang dihadapi BSI Kantor Cabang Pembantu Semarang Banyumanik dalam strategi pemasaran digitalnya adalah lebih banyak peminat jika menggunakan pemasaran secara langsung, rentan kegiatan penipuan, harus membuat konten menarik.
Analisis Pengendalian Internal Terhadap Penyaluran Kredit Usaha Rakyat (KUR) pada PT Bank Pembangunan Daerah Jawa Tengah Kantor Cabang Pembantu Babadan Ungaran Franciska Denanda Rika Widiharsanti; Mochammad Abdul Kodir; Embun Duriany Soemarso
Jurnal Inovasi Akuntansi (JIA) Vol. 1 No. 2 (2023)
Publisher : Program Studi Akuntansi Fakultas Ekonomi dan Bisnis Universitas Mahasaraswati Denpasar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36733/jia.v1i2.7414

Abstract

Internal control in a company is very important. Internal control will be used by the company as a guide in carrying out its operational activities. The purpose of this study was to determine the application of the internal control system in distributing people's business credit (KUR) implemented by PT Bank Pembangunan Daerah Jawa Tengah, Babadan Ungaran Sub-branch Office and to identify whether the internal control applied is in accordance with the control components according to the Committee of Sponsoring Organizations of The Treadway Commission (COSO), which includes the control environment, risk assessment, control activities, information and communication, and monitoring. The data used is qualitative data sourced from primary data and secondary data. Collecting data using interviews, questionnaires, and literature study. The writing method uses a descriptive qualitative method. The results of this study indicate that the implementation of the internal control system for the distribution of people's business loans (KUR) at PT Bank Pembangunan Daerah Jawa Tengah, Babadan Ungaran Sub-Branch Office has gone very well and the suitability of internal control components with internal control components according to the Committee of Sponsoring Organizations of the The Treadway Commission (COSO) has not fully complied with the risk assessment component, there are still bad credit and human error. Keywords: Internal Control System, Distribution of People's Business Credit, Standard Committee of Sponsoring Organization of The Treadway Commission (COSO)
Analysis of Banking Performance and Risk in Indonesia during the Covid-19 Pandemic Nurseto Adhi; Sri Widiyati; Winarni; Embun Duriany Soemarso; R. Gunawan Setianegara
Indonesian Journal of Banking and Financial Technology Vol. 1 No. 2 (2023): April 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fintech.v1i2.4787

Abstract

The banking sector has experienced a decline in demand for credit and a lack of disbursement, which has had an impact on the income of bank credit borrowers. Knowing the financial performance of banks during the Covid-19 pandemic can provide a good explanation of the problems faced by the banking sector. The analysis used in this study was a comparative comparison of two observations using a paired sample T-test. The variables used in this study are ROA, ROE, BOPO, LDR, CAR and NPL. This research found that the Covid-19 pandemic affected the decline in bank performance in general. This can be seen in the values of ROA, ROE, RORA, NPM, LDR, and NIM which have decreased in value before and after the pandemic. This research also found that the COVID-19 pandemic increased bank risk during the pandemic. This can be seen in the BOPO and KPMM variables which have increased from before and after the pandemic.
Co-Authors Anita Elvi Mutiasari Denny Ramadhan Franciska Denanda Rika Widiharsanti Kinanda Nor Cahya Ningtias Moch. Abdul Kodir Mochammad Abdul Kodir Nina Woelan Soebroto Novita Himatul Ulya Nurseto Adhi Nurseto Adhi R. Gunawan Setianegara Septian Yudha Kusuma Sri Widiyati, Sri Winarni Winarni Winarni Wisnu Adi Wibowo