Abstract:This research is motivated by the importance of building and maintaining customer loyalty at the Botani Bina Rahmah Sharia Rural Financing Bank (BPRS), a financial institution that plays a strategic role in strengthening…
the sharia-based economy and promoting financial inclusion at the micro level. The phenomenon of increasing account openings without a corresponding increase in customer retention indicates challenges in managing long-term relationships with customers. Trust and commitment are believed to be important factors in creating loyalty, but the effectiveness of both is often influenced by the level of customer satisfaction. Therefore, this study was conducted to analyze satisfaction as a mediating variable in the relationship between trust and commitment and customer loyalty. This study aims to analyze: (1) the effect of trust on customer loyalty, (2) the effect of commitment on customer loyalty, (3) the effect of trust on loyalty through customer satisfaction as a mediating variable, and (4) the effect of commitment on loyalty through customer satisfaction as a mediating variable. The research approach used is quantitative with a cross-sectional design. Data were collected by distributing Likert-scale questionnaires to 100 active customer respondents of BPRS Botani Bina Rahmah. Data analysis was carried out using Structural Equation Modeling–Partial Least Squares (SEM–PLS) with the help of SmartPLS software to test the validity and reliability of constructs and the relationships between variables in the structural model. The results of the study indicate that trust has a positive and significant effect on customer loyalty, while commitment does not have a significant direct effect on loyalty. Customer satisfaction is proven to act as a significant mediating variable in the relationship between trust and loyalty, as well as between commitment and loyalty. These findings confirm that BPRS customer loyalty is more influenced by the level of trust and satisfaction built through service quality and conformity to Sharia values. Practically, BPRS management needs to strengthen contract transparency, improve service consistency, and optimize digital channels to strengthen trust, increase satisfaction, and ultimately encourage sustainable customer loyalty.
Abstract:This study aims to analyze the effects of competence, reward systems, and training on the performance of executive officers in Sharia Rural Banks (BPRS), with job satisfaction as an intervening variable. The primary focus…
s is to assess the extent to which these factors influence executive performance within the context of Islamic microfinance institutions. Employing a quantitative, explanatory design, primary data were collected via a Likert-scale questionnaire and analyzed using structural equation modeling–partial least squares (SEM–PLS) with SmartPLS. The study population consists of executive officers of BPRS in Indonesia. Using purposive sampling, 121 responses were obtained from multiple BPRS across several regions. The results show that (1) competence has a positive effect on performance; (2) job satisfaction positively affects performance; (3) the reward system influences performance primarily through job satisfaction (partial/competitive mediation), while its direct effect on performance tends to be negative; and (4) training does not exhibit a significant effect on performance, and its indirect path via job satisfaction is not significant. These findings highlight the importance of strengthening competence and redesigning reward systems in alignment with executive expectations to enhance job satisfaction and performance.
Abstract:Customer loyalty is an important aspect in maintaining the sustainability of BPRS amidst the increasingly tight competition in the Islamic financial industry. The objectives of this study are to analyze: (1) the influence…
e of the marketing mix on customer loyalty, (2) the influence of relationship marketing on customer loyalty, (3) customer satisfaction mediates the influence of the marketing mix on customer loyalty, and (4) customer satisfaction mediates the influence of relationship marketing on customer loyalty. The sample of this study was 130 (one hundred and thirty) active customers of BPRS Botani Bina Rahmah Bogor, selected through a purposive sampling method with the criteria of having been a customer for at least six months. Primary data was collected through questionnaires, while analysis was conducted using the Partial Least Square (PLS) method with SmartPLS software version 4.0. The results of the study concluded that: (1) the marketing mix does not have a significant effect on customer loyalty, (2) relationship marketing has a significant positive effect on customer loyalty, (3) customer satisfaction is proven to mediate the effect of the marketing mix on customer loyalty, and (4) customer satisfaction also mediates the effect of relationship marketing on customer loyalty.
Abstract:This research is motivated by the importance of building customer trust inencourage customer interest and decisions to save regularly at BPR Syariah, especially through strengthening personal selling marketing communication…
ion strategies and positive service experiences. The main theory underlying this research is the Theory of Planned Behavior (TPB). This research aims to analyze (1) the influence of personal selling on saving decisions, (2) the influence of customer experience on saving decisions, (3) to determine whether trust mediates the relationship between personal selling and saving decisions, (4) to determine whether trust mediates the relationship between customer experience and saving decisions at BPRS Baiturridha Pusaka-Bandung. This study uses a quantitative approach through the Structural Equation Modeling–Partial Least Squares (SEM–PLS) method. The sample consisted of 120 active customer respondents of BPRS Baiturridha Pusaka-Bandung selected using a probability sampling technique through a simple random sampling approach, where each member of the population has an equal chance of being selected as a respondent. Data collection was carried out through the distribution of structured questionnaires and analyzed using Smart PLS software version 3.0. The results of the study show that (1) Personal Selling does not influence the decision to save (2) Customer Experience has a positive and significant influence on the Decision to Save (3) Trust is not proven to significantly mediate the relationship between personal selling and the decision to save (4) Trust is proven to significantly mediate the relationship between customer experience and the decision to save. These findings confirm that in the context of BPR Syariah, positive customer experience is the main factor in forming trust and driving savings behavior
Abstract:The development of a company heavily relies on qualified human resources. The level of employee performance can reveal the quality of human resources in achieving company goals. One of the factors that can enhance employee…
ee performance is work discipline. A common strategy used by companies to improve employee performance is by providing rewards and punishments. This research aims to analyze the influence of rewards and punishments on employee performance through work discipline at PT BPRS Niaga Madani. The sample for this study consisted of 47 respondents. This research adopts a quantitative approach, collecting data through interviews, questionnaires, and documentation. The data analysis process in this study employs path analysis. The results of this research show that rewards do not have a significant effect on work discipline, and they also do not significantly influence employee performance. On the other hand, punishments significantly affect work discipline and employee performance. Work discipline, in turn, significantly affects employee performance. Rewards, directly and indirectly, affect employee performance through work discipline, while punishments have both direct and indirect effects
Abstract:Abstract: Inventory of goods is an important thing in a company, because inventory can support the operational needs of the company so that it runs smoothly. A good goods management process will produce accurate transaction…
ion and inventory reports. The process of managing goods at BPRS Artha Madani is currently still being carried out manually using Microsoft Excel, this results in difficulties in making reports on incoming and outgoing goods transactions and frequent discrepancies between the data in Microsoft Excel and the actual goods in the warehouse during stock taking. In addition, the process of picking up goods at the warehouse is still not structured, so it is necessary to apply a method of stock management. Therefore, in this study, the design and manufacture of web-based applications was carried out by applying the FIFO method. The FIFO method is a problem-solving method that can be applied in a way that goods that come in first are assumed to be sold or out first [1]. In building this application the author uses the extreme programming (XP) method for system development, this method consists of 4 stages, namely planning, design, coding, testing. With the development of this application, it is hoped that it can overcome problems in managing goods at BPRS Artha Madani.
Keywords: extreme programming; FIFO; inventory of goods
Abstrak: Persediaan barang merupakan hal yang penting pada sebuah perusahaan, karena persediaan barang dapat menunjang kebutuhan operasional pada perusahaan tersebut agar berjalan dengan lancar. Proses pengelolaan barang yang baik akan menghasilkan laporan transaksi dan stok barang yang akurat. Proses pengelolaan barang pada BPRS Artha Madani saat ini masih dilakukan secara manual dengan menggunakan Microsoft excel, hal ini mengakibatkan sulitnya membuat laporan transaksi barang masuk dan keluar serta seringnya terjadi selisih antara data pada Microsoft excel dan aktual barang di gudang saat melakukan stock opname. Selain itu proses pengambilan barang di gudang masih belum terstruktur sehingga perlu diterapkan metode pengelolaan stok barang. Oleh karena itu pada penelitian ini dilakukan perancangan dan pembuatan aplikasi berbasis web dengan menerapkan metode FIFO. Metode FIFO adalah sebuah metode pemecahan masalah yang dapat diterapkan dengan cara barang yang pertama kali masuk diasumsikan terjual atau keluar pertama kali [1]. Dalam membangun aplikasi ini penulis menggunakan metode extreme programming (XP) untuk pengembangan sistem, metode ini terdiri dari 4 tahapan, yaitu planning, design, coding, testing. Dengan dibangunnya aplikasi ini diharapkan dapat mengatasi masalah dalam pengelolaan barang pada BPRS Artha Madani.
Kata kunci: extreme programming; FIFO; pengelolaan barang
Abstract:Tujuan penelitian ini adalah untuk megetahui Strategi 5c Dalam Penanganan Non Peforming Financings (NPF) Atau Pembiayan Macet Pada BPRS Gajah Tongga Kotopiliang. Jenis penelitian yang digunkan dalam penelitian adalah kualitatif…
litatif dengan pendekatan wawancara dan jenis penelitian lapangan kepada informan utama penelitian sebanyak dua orang yaitu account officer dan direktur BPRS gajah tongga kotopiliang. Dan informan tambahan untuk nasabah pembiayaan bermasalah sebanyak 15 orang. Hasil penelitian yang telah dilakukan dapat disimpulkan bahwa Analisis Strategi 5c Dalam Penanganan Non Performing Financings (NPF) Atau Pembiayaan Macet Pada Bprs Gajah Tongga KotoPiliang disebabkan oleh kurangnya komitmen nasabah (Character), pendapatan tidak stabil (Capacity), keterbatasan modal (Capital), jaminan bernilai rendah (Collateral), dan kondisi ekonomi yang tidak stabil. Faktor utama adalah (Condition Of Economy ) kondisi ekonomi, di mana nasabah yang bergantung pada sektor pertanian dan usaha kecil rentan terhadap fluktuasi harga, cuaca buruk, dan inflasi, yang mengurangi kemampuan mereka membayar pinjaman.
Abstract:Setiap orang pasti ingin memiliki rumah impian yang mereka harapkan, di BPRS telah menyediakan pembiayaan KPR Syariah yang bisa membantu masyarakat untuk mewujudkan impian mereka. Marketing dalam BPRS untuk menarik masyarakat…
rakat itu sangat bagus karena BPRS ini membijakkan sosialisasi biasanya ke lembaga-lembaga untuk mendapatkan nasabah. Pembiayaan KPR Syariah ini terdapat dua bagian, diantaranya UMUM dan PNS, UMUM biasanya 10 tahun dan PNS 15 tahun.
Pendekatan dalam penelitian ini menggunakan pendekatan kualitatif, yaitu penelitian yang dilakukan secara alami dan berdasarkan pada realita yang ada. Dimana prosedur pengumpulan data menggunakan teknik wawancara, observasi, dokumentasi. Dimana lokasi tersebut berada didaerah Sumenep tepatnya di Jl. Jokotole, Arekade, Batuan, Kebupaten Sumenep. Sabjek penelitian ini diambil dari karyawan bank BPRS Bhakti Sumekar Sumenep. Teknik analisis data dilakukan dengan cara reduksi data, penyajian data, dan kesimpulan. Untuk pengecekan keabsahan data, peneliti mengguanakan triangulasi sumber.
Hasil penelitian menunjukkan bahwa implementasi strategi marketing mix yang dilakukan BPRS yaitu menggunakan 4P: produk, harga, promosi dan tempat. Produk perumahan batu permata sumekar menggunakan bahan yang berkualitas dan layak digunakan, harga dimulai dari 250 juta dengan uang muka 0%, promosi menakan brosur, menggunakan plafon, wibsite dan juga telepon. Untuk mengetahui kebenaran perumahan batu permata sumekar adalah aset yang dimiliki BPRS.