To see the other types of publications on this topic, follow the link: Savings Bank of Baltimore.
Journal articles on the topic 'Savings Bank of Baltimore'
Create a spot-on reference in APA, MLA, Chicago, Harvard, and other styles
Consult the top 50 journal articles for your research on the topic 'Savings Bank of Baltimore.'
Next to every source in the list of references, there is an 'Add to bibliography' button. Press on it, and we will generate automatically the bibliographic reference to the chosen work in the citation style you need: APA, MLA, Harvard, Chicago, Vancouver, etc.
You can also download the full text of the academic publication as pdf and read online its abstract whenever available in the metadata.
Browse journal articles on a wide variety of disciplines and organise your bibliography correctly.
1
Mbhele, Ntokozo. "Don't Bank on Savings." Agenda, no. 27 (1995): 119. http://dx.doi.org/10.2307/4065982.
Full text
2
Englmaier, Florian, and Till Stowasser. "Electoral Cycles in Savings Bank Lending." Journal of the European Economic Association 15, no. 2 (April 2017): 296–354. http://dx.doi.org/10.1093/jeea/jvw005.
Full text
3
Soegoto, E. S., F. H. Arifin, and D. Oktafiani. "Information system for waste bank savings." Journal of Physics: Conference Series 1764, no. 1 (February 1, 2021): 012192. http://dx.doi.org/10.1088/1742-6596/1764/1/012192.
Full text
4
Eriksson, Kent, and Cecilia Hermansson. "Searching for new saving behavior theories." International Journal of Bank Marketing 32, no. 4 (May 27, 2014): 279–99. http://dx.doi.org/10.1108/ijbm-03-2014-0040.
Full textAbstract:
Purpose – The purpose of this paper is to develop a model of bank advisor/customer relationships and customer saving behavior. Design/methodology/approach – The research is a theoretical review and model development of savings behavior and bank advisor/customer relationships. The review is used for the development of a model of bank advisor/customer relationships, and their effect on savings behavior. Findings – Findings are a model that distinguishes three kinds of exchange (relational, interimistic, and transaction) in between bank advisor and customer. The three kinds of exchange then influence customer savings behavior. Research limitations/implications – The implications of this research is that it points to that relationship marketing theory can be used in the analysis of how bank advisors influence customer savings behavior. Practical implications – For regulators and financial services firms, these findings point to how the role of bank advisors for consumer savings behavior can be analyzed. This is important, as much policy work presumes that advisors influence customer savings behavior, but the knowledge base for that presumption needs to be better understood. Social implications – The paper contributes toward a better understanding of the social exchange between bank employees and customers as regards savings products. Originality/value – This paper is original because it includes many theoretical research fields, and because it connects the bank advisor and customer relationship with the customer's savings behavior.
5
Lee, Hyun Don, and Sang-Bum Park. "An Empirical Study on the Factors Affecting Savings Bank Loan Interest Rates." International Journal of Economics and Finance 8, no. 12 (November 17, 2016): 175. http://dx.doi.org/10.5539/ijef.v8n12p175.
Full textAbstract:
The study analyzed reciprocal effects of base rate of the central bank, CD, CP, interest rates for bank deposits, bank loan interest, interest rate for savings bank deposits and savings bank loan interest. In particular, the study attempted to find an interest rate which affects interest rates of savings banks. If these variables affected interest rate decisions by savings banks, it would be possible to predict that movements of these variables in the future may affect changes of interest rates as well. In the impulse reaction function, CD rate and CP rate took the highest impact to the savings bank’s deposit interest and loan rate. In forecast error variance decomposition analysis, it was fond that the deposit interest and loan rate of the savings bank reciprocally affected each other. Then, CD rate and CP rate had the highest explanation power. Consequently, factors that affect the savings’ bank’s decision on interest rates were a bank’s deposit interest, CP and RP interest rate and RP rate which is the benchmark interest rate. The important point is that RP rate as the benchmark interest rate takes an important role because it becomes the base for influenced variables.
6
D’arista, Jane. "Insure All Savings—Not Just Bank Deposits." Challenge 34, no. 5 (September 1991): 20–25. http://dx.doi.org/10.1080/05775132.1991.11471531.
Full text
7
Martín-Oliver, Alfredo. "Bank Competition with Financing and Savings Substitutes." Journal of Financial Services Research 54, no. 2 (November 15, 2016): 207–41. http://dx.doi.org/10.1007/s10693-016-0267-9.
Full text
8
Lajamani, Bahraeni, Ahmad Syafii, and Suhri Hanafi. "IMPLEMENTASI FATWA DSN MUI No:115/DSN-MUI/IX/2017 TERHADAP AKAD MUDHARABAH PADA TABUNGAN RENCANA IB DI BANK MEGA SYARIAH CABANG PALU." Tadayun: Jurnal Hukum Ekonomi Syariah 1, no. 2 (December 30, 2020): 153–68. http://dx.doi.org/10.24239/tadayun.v1i2.7.
Full textAbstract:
This study is titled "Implementation of Fatwa DSN MUI No:115/DSN-MUI/IX/2017 against Mudharabah Agreement on Savings Plan at Bank Mega Syariah Palu Branch." The main issues are how mudharabah contract mechanism on iB plan savings at Bank Mega Syariah Palu Branch and how to Implement Fatwa No:115/DSN-MUI/IX/2017 against Mudharabah contract on Savings Plan at Bank Mega Syariah Palu Branch. The purpose of this research is to find out the Mechanism of Mudharabah agreement on iB savings plan at Bank Mega Syariah Palu Branch and how to Implement Fatwa DSN MUI No:115/DSN-MUI/IX/2017 against Mudharabah agreement on Savings Plan at Bank Mega Syariah Palu Branch.The research method used is a descriptive qualitative method. The results showed that the mechanism of Akad mudharabah at Bank Mega Syariah is not entirely in accordance with the provisions of the fatwa DSN MUI this desebabes the problem among human resources and the difficulties faced in the field. Bank Mega Syariah requires qualified administrators and employees not only related to their cognitive abilities but also related to the competence of moral attitudes.
9
HENIG MIŠČIČ, NATAŠA. "ECONOMIC AND ALTRUISTIC MOTIVES IN PHILANTHROPIC WORK OF THE CARNIOLAN SAVING BANK 1844–1908." ISTRAŽIVANJA, Јournal of Historical Researches, no. 30 (December 25, 2019): 157–70. http://dx.doi.org/10.19090/i.2019.30.157-170.
Full textAbstract:
The article discusses the different reasons for very enthusiastic philanthropic work of the Carniolan Savings Bank. During the second half of the 19th century the social issue appeared in a changed form as an urgent question of improving the financial position of an increased number of poorer strata of the society. The management of the Carniolan Savings Bank was aware that the financial resources they collected could help with overcoming hardship and contribute to the general good. The board of the Carniolan Savings Bank donated a part of its net income for charity purposes every year. The paper deals with the period from 1844, the year of the proclamation of the Savings bank regulation, which allowed the use of surpluses for charitable and non-profit purposes. The period under scrutiny ends with the year 1908, when the Carniolan Savings Bank changed its policy of philanthropic activities because of the consequences that it faced after the “run” and boycott of the Slovenian part of the population in the Carniola province.
10
Mataniak, Mateusz. "Utworzenie Kasy Oszczędności w Wolnym Mieście Krakowie i jej działalność w latach 1844-1857." Czasopismo Prawno-Historyczne 69, no. 2 (October 4, 2018): 137–55. http://dx.doi.org/10.14746/cph.2017.2.7.
Full textAbstract:
The article presents the activity of the Savings Bank in Cracow between 1844 and 1857. It recreates the course of works undertaken during its creation by the Representatives Assembly. The basic ideological assumptions on which it was based were shown. Moreover, the paper presents the participation in the creation process of the Brotherhood of Mercy and of the Mount of Piety (Latin Mons Pietatis). The legal basis of the Savings Bank’s functioning was analyzed in detail. The foundation had the shape of statutory law from the 3rd of July 1844, the organization of the Management of the Savings Bank, the rules of depositing and withdrawing the savings, keeping accountancy and its control by the authorities. Also detailed data was included pertaining to the size of the deposit and the size of the withdrawal made from the Savings Bank. The basis of the article consists of the archival materials from the National Archive in Cracow and of the announcements made by the Management of the Savings Bank, which were published in “The Governmental Gazette”.
11
Pravasanti, Yuwita Ariessa, and Wikan Budi Utami. "Faktor-Faktor yang Mempengaruhi Profitabilitas Bank Muamalat di Indonesia." Jurnal Ilmiah Ekonomi Islam 6, no. 3 (November 25, 2020): 716. http://dx.doi.org/10.29040/jiei.v6i3.1425.
Full textAbstract:
This study aims to obtain empirical evidence related to the influence of Indonesian Muamalat bank profitability. Characteristics of the influence of wadi'ah demand deposits, wadi’ah savings and mudharabah savings. This study uses secondary data with quarterly financial data population of PT. Bank Muamalat Indonesia from 2011 to 2018. The sampling technique uses quarterly financial data of PT. Bank Muamalat Indonesia has 32 data. The analytical tool used is multiple regression analysis. The results showed that the wadi'ah giro variable partially had a significant effect on profit / ROA. Show that t count is 2,356 ≥ t table is 1,699 while the value of Sig. t 0.026 ≤ Sig.α 0.05. Wadi'ah savings variable partially has a significant effect on profit / ROA. Shows that t count is - 3,135 ≤ t table is 1,699 while Sig. 0.004 ≤ α 0.05. Mudharabah savings variable partially has a significant effect on profit / ROA. Shows that t arithmetic of - 0.334 ≤ t table of 1.699 while the value of Sig. α 0.741 ≥ 0.05, then Ho is rejected and H1 is accepted. The results showed that multiple regression analysis obtained the coefficient of determination (R2) was 0.412 or equal to 41.2%. This means that Wadi'ah Giro, Wadi'ah Savings and Mudharabah Savings jointly affect bank profitability.
12
Samsudin, Agus Rojak, and Mohamad Anton Athoillah. "Savings Investments in Sharia Banks in the Perspective of Shariah Economic Law (Case Study at “Bank Syariah Bukopin”)." Journal of Economicate Studies 1, no. 2 (July 5, 2018): 63–80. http://dx.doi.org/10.32506/joes.v1i2.175.
Full textAbstract:
There are three motives a person to save funds through savings in the Conventional Bank: security, plans and investment. Implementation of interest system in Conventional banks is a very fundamental constraint for a Muslim to invest his funds in the bank. Because in the view of the scholars of the flower system is identical with the usury (riba) that is forbidden in Islam. It turns out long before the birth of money storage system in conventional bank interest, in classical fiqh literature known the concept and theory of al wadiah and mudharabah which is substantially no differences from the savings and investment savings offered by conventional banks. This paper discusses the theory, concepts and implementation of al wadiah as non-interest investment savings applied in sharia bank in the perspective of shariah economic law, by looking at case examples of the saving products of Bank Syariah Bukopin (BSB). It was found that all investment contracts in savings products offered by BSB were in accordance with the principles of shariah; as outlined in the Qur'an and Sunnah as the basis of Shariah, as well as Law Number 21 Year 2008 and Law no. 10 year 1998, Bank Indonesia Regulation (Peraturan Bank Indonesia [PBI]), Compilation of Islamic Economic Law (Kompilasi Hukum Ekonomi Syariah [KHES]) and Fatwa of National Sharia Board (Dewan Syariah Indonesia [DSN]) Indonesian Council of Ulama (Majelis Ulama Indonesia [MUI])
13
Amdar, Sudarmin, Ventje Ilat, and Agus Tony Poputra. "PENGARUH JUMLAH PENDUDUK MUSLIM, PEMBIAYAAN, DAN BAGI HASIL TERHADAP JUMLAH NOMINAL TABUNGAN NASABAH PADA BANK SYARIAH DI INDONESIA." ACCOUNTABILITY 5, no. 2 (December 31, 2016): 249. http://dx.doi.org/10.32400/ja.14439.5.2.2016.249-259.
Full textAbstract:
Banking world to be part of a country's economic success. More and more financial institutions that exist in a country, the better the economic turnaround that is therein. The reason the economy was good for people who have more funds can save their money to the bank. While people who need funds to start a business or to add funds to enlarge the business can borrow directly in the bank nearest to the given requirements. The purpose of this study was to determine the Impact of the Muslim population, financing, and for the results of the nominal amount of savings in Islamic Banking in Indonesia. Data collection method used is through surveys and data analysis. Techniques to test the hypothesis by using multiple linear regression analysis processed SPSS version 21. Location research done that is through internet websites and annual financial statements on Islamic Banking in Indonesia, which consists of: PT Bank BRI Syariah, Bank Syariah Bukopin, Bank Syariah Mandiri, Bank Panin Syariah, PT Bank Muamalat Indonesia during the year 2009-2013. Muslim population (X1) not significant effect on the nominal amount of savings (Y). Financing (X2) significantly affects nominal amount of savings (Y). For results (X3) no significant effect on the nominal amount of savings (Y). Keywords: impact of the muslim population, financing, and profit sharing the number nominal customer savings
14
Magiera, Elżbieta. "Szkolne kasy oszczędności w okresie międzywojennym (1918–1939) w kontekście działań władz oświatowych." Biuletyn Historii Wychowania, no. 32 (February 12, 2019): 35–46. http://dx.doi.org/10.14746/bhw.2014.32.3.
Full textAbstract:
The first school savings bank came into existence in Ghent, Belgium. It was founded by Francis Laurent in 1866. In Poland, the concept of saiving began to spread in the period of the National Education Commission, which recommended that children “practice thriftiness”. Since the beginning of the 19th century, local attempts to establish school savings banks were undertaken in the Polish lands that had been divided in the partitions. The propagation of thrift developed on a broader scale only after regaining independence, especially after the economic reforms of 1924. The Ministry of Education recommended that teachers introduce various forms of thrift: organising school savings banks, talks and lectures about saving, celebration of Savings Day and promoting the idea in society as a whole. The interest in the propagation of thrift in education was expressed by the central and local education authorities by issuing various types of legal acts on this subject. The intensive development of school savings banks started in 1925. Until 1935, these organisations operated on cooperative principles. After 1935 they were held under the auspices of the Postal Savings Bank, which was dissolved in 1947. The state-owned Common Savings Bank was created in its place, whose supervision of school savings banks continues to this day and is a statutory duty of the bank. Thus, the interwar experience in the field of organising school savings banks was continued after the Second World War and is still being implemented in the contemporary educational reality.
15
Suryaningsih, Heni, Marlina Widiyanti, and Taufik Taufik. "PENGUIN TINGKAT BAGI HASIL DAN UKURAN BANK TERHADAP JUMLAH SIMPANAN DEPOSITOMUDHARABAH PADA BANK UMUMSYARIAH DI INDONESIA." JEMBATAN 14, no. 1 (April 18, 2018): 45–56. http://dx.doi.org/10.29259/jmbt.v14i1.5288.
Full textAbstract:
This study aimed to determine the effect of Profit Sharing Rate and The Size of the Bank together and partially to the Mudharabah Total Deposits in Islamic Bank in Indonesia period of 2013-2015. The Object of this study is Islamic Banks in Indonesia. The variables used in this study is Profit Sharing Rate and The Size of the Bank together and Mudharabah Total Deposits. Data analysis method used is Multiple Linear Regression. The results showed that the variable level of revenue sharing and the size of the bank jointly significant effect on the amount of savings deposits mudharabah. While predominantly known to the variable size of the bank which significantly affect the amount of savings deposits mudharabah. Implications of the study is that if the bank size increases, the greater the amount of savings bank deposits mudharabah obtained, so that the size of the banks may be determinant variables an investor in making an investment decision. Keywords : Profit Sharing Rate, The Size of Bank, and Mudharabah Deposits.
16
Wanto, Muhammad. "Implementasi Akad Produk Tabungan Rencana di PT. Bank Syariah Mega Indonesia Gallery Cianjur." Muqtasid: Jurnal Ekonomi dan Perbankan Syariah 5, no. 1 (June 1, 2014): 75. http://dx.doi.org/10.18326/muqtasid.v5i1.75-97.
Full textAbstract:
Mudharabah savings is one product collector of funds applied to PT. BankSyariah Mega Indonesia Gallery Cianjur which one is the product SavingsPlan. On the product Savings Plan in PT. Bank Syariah Mega Indonesia GalleryCianjur use mudharabah product and in doing transactions through bookSavings Savings Plan Home / parent who uses contract wadiah. That mechanism Savings Plan held by PT. Bank Syariah Mega IndonesiaGallery Cianjur is (1) Fill out the application form Individual customers /Institutions; (2) Fill out the contract form wadiah (primary Savings); (3) Fillout the deposit slip early; (4) Fill out the form mudharabah (Savings Plan); (5)Customer Savings Plan (mudharabah) regularly to conduct the transactionto go through Main Savings account book / parent use wadiah agreement;(6) Facilities Savings Plan that is certified as proof of ownership savingsand checking account books as a book report. Legal basis in the productSavings Plan (mudharabah) No DSN. 02/DSNMUI/IV/2000 on Saving.In perspective muamalah two covenants in the transaction was prohibited.In practice the contract products Savings Plan (mudharabah) it looks likethere are two covenants in the transaction, the results of that research in thecontract mechanism problems Savings Plan product in PT. Bank SyariahMega Indonesia Gallery Cianjur is procedural only from banks and are inaccordance with the fatwa of DSN No.02 and there are no violations in fikihmuamalah.
17
ANDREW L. YARROW. "Sara Oberholtzer and the School Savings Bank Movement." Pennsylvania Legacies 12, no. 2 (2012): 18. http://dx.doi.org/10.5215/pennlega.12.2.0018.
Full text
18
Sarkar, A. N., and Jagjit Singh. "Savings-led Micro-finance to Bank the Unbankables." Global Business Review 7, no. 2 (August 2006): 271–95. http://dx.doi.org/10.1177/097215090600700206.
Full text
19
Khadidja, Zerigui. "The client’s behaviour towards the bank in Algeria (Public Bank Vs Foreign Bank)." Financial Markets, Institutions and Risks 4, no. 1 (2020): 100–108. http://dx.doi.org/10.21272/fmir.4(1).100-108.2020.
Full textAbstract:
This paper summarizes the arguments and counterarguments within the scientific discussion regarding the behavioral aspects of customer choice of state or foreign bank banking services. The purpose of the study is to study and analyze the behavior of customers when choosing a bank category (state or foreign) to obtain banking services. In order to test the scientific hypotheses, we conducted a survey of clients and bank managers of 12 banks (6 states and 6 foreign). In Algeria, a separate range of financial transactions (in particular, housing lending and investment programs) is entrusted to state-owned banks only, so clients in Algeria do not leave state-owned banks, even if they also start servicing higher-quality foreign banks. The processing of the survey results showed that the key factors that determine the priorities in choosing clients of a state or foreign bank are: the reputation of the bank; tips from friends or acquaintances advice of a bank employee; accident; bank advertising (for foreign banks only). In addition, the choice of the bank by a client in Algeria is influenced by behavioral and institutional factors such as religion, traditions, and social customs. The survey found that just over half of the customers were satisfied with the services of state-owned banks, while 85% were completely satisfied with new banking technologies, ease of use and time savings among foreign bank clients. The main factors that determine the level of customer satisfaction with banking services are ease of knowing cash and payment for services; highly efficient organization and simplicity of credit mechanisms; adherence to the principles of Islamic finance by some foreign banks (alternative finance, where loans and savings do not imply interest rates); more advanced banking services (mainly for foreign banks). Keywords: bank, state bank, foreign bank, customer, competition, bank reputation, banking.
20
Antoni, Muhammad Safri. "PENGARUH KUALITAS PELAYANAN PRIMA (SERVICE EXCELLENCE), PORSI BAGI HASIL DAN TINGKAT PENDAPATAN NASABAH TERHADAP TABUNGAN FIRDAUS PADA PT. BANK ACEH SYARIAH LANGSA." Jurisprudensi: Jurnal Ilmu Syariah, Perundang-undangan, Ekonomi Islam 10, no. 1 (June 30, 2018): 34–61. http://dx.doi.org/10.32505/jurisprudensi.v10i1.870.
Full textAbstract:
This study aimed to test the Influence of Excellent Service Quality, Portion of Profit Sharing and Savings Income Level of Customers of Firdaus Savings at PT. Bank Aceh Syariah Langsa empirically. The method used for data analysis was OLS (Ordinary Least Square) with double linear regression estimation model based on the results of data processing by using Eviews software program. From the research result, R2 value of 0.851 was obtained. This means that approximately 85.1 percent of the proportion of independent variables used could explain the dependent variable variation in that model. Whereas the remaining of 14.9 percent was explained by other variables that were not used in this study. While the estimation results showed that the F-count was greater than the F-table (F-calculated = 22.71 > F-table = 2.67) for the function of the amount of the savings equation. It means that all independent variables used in the estimation of this analysis model namely service, profit sharing, and income jointly gave significant effect on the amount of Firdaus Savings at PT. Bank Aceh Syariah Langsa. Thus the Coefficient of service showed a value of 1.028 which means that the higher the level of service which was equal to 1.028 percent, the savings would increase the amount of Firdaus Savings at PT. Bank Aceh Syariah Langsa for about 1.028 percent and was elastic, the Coefficient of profit sharing showed a value of 1.425 which means that any increase of profit sharing in the yield of 1.425 percent, the savings would increase the amount of Firdaus Savings at PT. Bank Aceh Syariah Langsa for about 1.425 percent and was elastic. The Coefficient of income showed a value of 0.737 which means that any increase in revenues of 0.737 percent, the savings would increase the amount of Firdaus Savings at PT. Bank Aceh Syariah Langsa for about 0.737 percent and was inelastic. Service is one of the dominant factors that affect the amount of savings in Islamic banks, then it must be put into consideration by any Islamic banks to keep improving their services.
Keyword: Excellent Service Quality, Portion of Profit Sharing, Savings Income Level of Customers, Firdaus Savings at PT. Bank Aceh Syariah Langsa
Abstrak: Penelitian ini bertujuan untuk menguji Pengaruh Kualitas Layanan Prima, Porsi Bagi Hasil dan Tingkat Pendapatan nasabah terhadap tabungan firdaus di PT. Bank Aceh Syariah Langsa secara empiris. Metode yang digunakan untuk analisis data adalah OLS (Ordinary Least Square) dengan model estimasi regresi linier ganda berdasarkan hasil pengolahan data dengan menggunakan program perangkat lunak Eviews. Dari hasil penelitian, diperoleh nilai R2 0,851. Ini berarti bahwa sekitar 85,1 persen dari proporsi variabel independen yang digunakan dapat menjelaskan variasi variabel dependen dalam model itu. Sedangkan sisanya 14,9 persen dijelaskan oleh variabel lain yang tidak digunakan dalam penelitian ini. Sedangkan hasil estimasi menunjukkan bahwa F-hitung lebih besar dari F-tabel (F-hitung = 22,71> F-tabel = 2,67) untuk fungsi jumlah persamaan tabungan. Ini berarti bahwa semua variabel independen yang digunakan dalam estimasi model analisis ini yaitu layanan, bagi hasil, dan pendapatan secara bersama-sama memberikan pengaruh yang signifikan terhadap jumlah Tabungan Firdaus di PT. Bank Aceh Syariah Langsa. Dengan demikian Koefisien layanan menunjukkan nilai 1,028 yang berarti bahwa semakin tinggi tingkat layanan yang sama dengan 1,028 persen, akan meningkatkan jumlah Tabungan Firdaus di PT. Bank Aceh Syariah Langsa sekitar 1,028 persen dan elastis, Koefisien pembagian keuntungan menunjukkan nilai 1,425 yang berarti bahwa setiap peningkatan pembagian keuntungan dalam hasil 1,425 persen, akan meningkatkan jumlah Tabungan Firdaus di PT. Bank Aceh Syariah Langsa sekitar 1,425 persen dan elastis. Koefisien pendapatan menunjukkan nilai 0,737 yang berarti bahwa setiap peningkatan pendapatan sebesar 0,737 persen, akan meningkatkan jumlah Tabungan Firdaus di PT. Bank Aceh Syariah Langsa sekitar 0,737 persen dan tidak elastis. Layanan adalah salah satu faktor dominan yang mempengaruhi jumlah tabungan di bank syariah, maka harus dipertimbangkan oleh bank syariah mana pun untuk terus meningkatkan layanan mereka.
Kata kunci: Kualitas Layanan Sangat Baik, Porsi Bagi Hasil, Tingkat Pendapatan Tabungan Pelanggan, Tabungan Firdaus di PT. Bank Aceh Syariah Langsa
21
A, Firman. "Pengaruh Brand Image Terhadap Keputusan Nasabah Bank Kalbar Dalam Memilih Produk Tabungan Simpeda." JURNAL MANAJEMEN MOTIVASI 10, no. 3 (March 7, 2016): 499. http://dx.doi.org/10.29406/jmm.v10i3.51.
Full textAbstract:
The research objective was to examine the influence of brand image on the customer's decision to choose products Savings Bank of West Kalimantan Simpeda. This type of research is descriptive. All customers who have the Savings Bank of West Kalimantan Simpeda the population, while the sample is 100 respondents who have Simpeda Savings Bank of West Kalimantan using incidental sampling technique. Analysis of the data used is simple linear. This research data obtained through observation, interviews and the results of a questionnaire distributed to respondents. The study's findingsindicate that the test results of multiple linear regression, it is known that the variable image producers and image of the products have a significant impact on customer decisions in choosing products Simpeda Savings Bank of West Kalimantan, while for consumer image variable has no effect, while the most influential variable is a variable the image of the product. From the test results simultaneously (F test) andpartial (test T) turns research results prove that all dimensions (image producers, consumers imagery and imagery products) of a brand image variables simultaneously have significant influence on customers' decisions in choosing Savings Simpeda, whereas in partial image of the consumer does not have a significant influence on brand image for variables that most influence on customers' decisions in choosing a savings product Simpeda is the image of the product.
22
Widhiyanto, Galih, and Hendro Setyono. "ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN KONSUMEN ATAU NASABAH DALAM MEMILIH BANK SEBAGAI TEMPAT MENABUNG DI YOGYAKARTA." Jurnal Fokus Manajemen Bisnis 5, no. 2 (January 29, 2020): 205. http://dx.doi.org/10.12928/fokus.v5i2.1627.
Full textAbstract:
This study aims to determine the effect of multipurpose networks ATMs, interest, administrative fees, bank locations and bank services the customer's decision in choosing a bank as a place to save in Yogyakarta. In this study, taking a sample of residents who live in the city Yogyakarta with 60 respondents. This testing using analysis tools in the form of correlation (validity test) and reliability test for know the validity of the data used in research. To test the hypothesis in this research is multiple regression test. In the F test obtained F count (27.594)> F table (2.28) which means that together there is a significant influence between the variable services, bank locations, multipurpose ATM networks, bank interest and administrative fees towards decisions. In the t test there are three variables that have no effect significantly to customer savings decisions, namely service variables with a value of t arithmetic (1.385) <t table (2.0057), Bank Location with a value of t arithmetic (1,933) <t table (2.0057) and Multipurpose And ATM Networks with calculated t values (0.839) <t table (2.0057). While interest and administrative costs are partial each has a significant effect on the savings decision variable customers because the t value obtained for the bank interest (3,697)> t table (2.0057) and administrative costs (3,510) > t table (2.0057). The results of this study provide evidence that 71.9% of customers' savings decisions influenced by the variable service, bank location, multipurpose ATM networks, bank interest and administrative costs while the remaining 28.1% influenced by other factors. Based on data analysis, the factors are a big influence on customer savings decisions is bank interest.
23
Kusuma, Yannu Indra, Lailis Syafa'ah, and Wildan Suharso. "Rancang Bangun Sistem Informasi Pada Tabungan Bank Sampah Bantur Berseri." Jurnal Repositor 2, no. 12 (December 4, 2020): 1655. http://dx.doi.org/10.22219/repositor.v2i12.569.
Full textAbstract:
AbstrakBank Sampah Bantur Berseri merupakan tempat menabung dimana seseorang menggunakan sampah sebagai tabungan dan sampah yang ditabung dikonversikan menjadi nilai uang. Sampah tersebut sudah ditetapkan harga oleh petugas bank sampah. Permasalahan pada bank sampah Bantur Berseri adalah petugas masih sering kerepotan dalam hal transaksi tabungan dan pembuatan laporan.Selain itu harga sampah dan jenisnya sering tertukar karena sering berubah. Petugas juga kesulitan dalam hal pencarian data nasabah serta tidak adanya backup data yang baik pada tabungan nasabah. Pada penelitian ini solusi yang diusulkan yaitu pembuatan sistem informasi pada tabungan bank sampah Bantur Berseri agar dapat membantu pengelolaan data transaksi nasabah sehingga adminstrasi lebih teratur, pencarian data lebih mudah dan arsip laporan lebih rapi. Pengembangan sistem menggunankan metode prototype.ttAbstract Bantur Berseri Waste Bank is a place to save where someone uses garbage as savings and the waste that is saved is converted into money value. The waste price has been set by the garbage bank officer. The problem with the Bantur Berseri garbage bank is that the officers are still often troubled in terms of savings transactions and reporting. In addition, the price of garbage and its types is often confused because it changes frequently. Officers also have difficulties in finding customer data and there is no good data backup on customer savings. In this study, the proposed solution is the creation of an information system in the savings bank of Bantur Berseri bank so that it can help manage customer transaction data so that administration is more organized, data search is easier and the report archive is neater. System development uses the prototype method.
24
Rockoff, H. "The Baltimore Bank Riot: Political Upheaval in Antebellum Maryland." Enterprise and Society 12, no. 3 (December 16, 2010): 648–50. http://dx.doi.org/10.1093/es/khq129.
Full text
25
Resty, Nadia Nila Henda, and Anas Hidayat. "Factors Affecting Millennial Customers' Savings Intention in Islamic Banks." European Journal of Business and Management Research 6, no. 4 (July 15, 2021): 116–22. http://dx.doi.org/10.24018/ejbmr.2021.6.4.949.
Full textAbstract:
One of the intentioning topics in the banking world is the merger of State-Owned Sharia Banks into one name, namely Bank Syariah Indonesia. This encourages researchers to explore further, one of which is in the marketing aspect. This study aims to analyze the factors that affect the intention in saving at Bank Syariah Indonesia for millennials. This research is a quantitative study with data collected through a questionnaire to 250 millennials in Yogyakarta. The analysis in this study uses a structural equation model with Smart PLS software. The results of this study indicate that product knowledge, religiosity and brand image have a significant effect on millennial attitudes towards Bank Syariah Indonesia. This research also finds that subjective attitudes and norms do not have a significant effect on the intention in becoming a customer at Bank Syariah Indonesia.
26
01, Lastri. "Analisis Pengaruh Promosi, Saluran Distribusi, Orang, Proses, dan Bukti Fisik Terhadap Keputusan Nasabah Menabung Di Tabungan Simpeda Pada PT. Bank Kalbar Cabang Mempawah." JURNAL MANAJEMEN MOTIVASI 10, no. 2 (February 20, 2015): 325. http://dx.doi.org/10.29406/jmm.v10i2.25.
Full textAbstract:
This study aimed to analyze the effect of promotion, place, people, processes, and physical evidence against the decision of customers save money in the Savings Simpeda at PT. Mempawah Branch Bank of West Kalimantan. This study used a survey method, which obtained the data from interviews, questionnaires, and corporate documents. The population in this study is the whole number of customers Savings Simpeda at PT. Bank Branch Mempawah West Kalimantan last year that amounted to 21 327 people. While the samples of 100 were selected by the provisions have become customers Savings Simpeda based purposive sampling. The analysis tool used is linear. From the results of hypothesis testing simultaneous effect (F test) showed that promotion, place, people, process and physical evidence simultaneously significantly influence consumer decisions to save. Hypothesis test showed that the promotion is partially significant effect on consumer decisions in Savings Simpeda save on PT. West Kalimantan Regional Development Bank Branch Mempawah.
27
Mauludianah, Moh. Mukhsinin Syu'aibi, and Sukamto. "ANALISIS STRATEGI PEMASARAN TABUNGAN MABRUR DI BANK SYARIAH MANDIRI KCP PANDAAN PASURUAN." MALIA (TERAKREDITASI) 10, no. 2 (May 25, 2019): 237–54. http://dx.doi.org/10.35891/ml.v10i2.1450.
Full textAbstract:
The Hajj is the fifth pillar of Islam that must be fulfilled by Muslims for those who are able to finance and physically. The waiting list for the Hajj pilgrimage in Indonesia can now reach 20 years or more, with it awakening many Muslims who then plan the Hajj from an early age by opening a Hajj and Umrah savings account at Bank Syariah Mandiri.
This study used qualitative research with primary data sources. Customers using Mabrur Savings products at Bank Syariah Mandiri Pandaan, Customer Service, Branch Operation Supervisor, Sales Force, other employees who served in Bank Syariah Mandiri KCP Pandaan. While secondary data sources come from books and other literature. Data collection techniques are carried out in 3 ways, namely: Observation, Interview and Documentation.
This study found that Marketing Mix in Mabrur Savings products, namely 1. Product Strategy: Based on sharia principles with mudharabah muthlaqah contract, competitive profit sharing based on the ratio determined by the bank, payments can be made using the ABATANA (auto debit) system from a savings account BSM for monthly deposits, the Validation Process is very fast and can be awaited, in collaboration with KBIH (Hajj Guidance Group) which is officially registered with the Department of Religion. 2. The Price Strategy consists of: a light initial deposit of IDR 100,000. 3. Strategy Place: The strategic location of Bank Syariah Mandiri with a minimalist yet modern design. 4. Strategy Promotion: Through websites, brochures, and various advertisements, Opening outlets or stands, Door to door, Bank Syariah Mandiri has an image as a Hajj Bank.
28
Džmuráňová, Hana, and Petr Teplý. "Why Are Savings Accounts Perceived as Risky Bank Products?" Prague Economic Papers 25, no. 5 (January 1, 2016): 617–33. http://dx.doi.org/10.18267/j.pep.578.
Full text
29
Laurenceson, J. "Financial sector regulation, bank franchise values and savings mobilization." Applied Economics 39, no. 4 (March 2007): 519–25. http://dx.doi.org/10.1080/00036840500438905.
Full text
30
Guignon, Christopher Tohru. "Design for Decline: The Bank of Savings and Futures." Thresholds 38 (January 2010): 32–35. http://dx.doi.org/10.1162/thld_a_00173.
Full text
31
ANTIĆ, DEJAN D., and IVAN M. BECIĆ. "MARKET LOAN AND SAVINGS BANK OF VRANJE: 1926‒1947." ISTRAŽIVANJA, Јournal of Historical Researches, no. 30 (December 25, 2019): 217–33. http://dx.doi.org/10.19090/i.2019.30.217-233.
Full textAbstract:
The banking system of the Kingdom of Serbia, and later of the Kingdom of Yugoslavia, was principally characterized by numerous small, local money bureaus. These bureaus were founded with the purpose of providing the necessary capital and profit to their shareholders, as well as offering the ground for the capital placement in times of economic depression. The Market Loan and Savings Bank of Vranje was established in the time of a great financial crisis and is thus an example of the money bureau of the aforementioned nature. Moreover, it is the evidence of how the Great Depression affected the private banking system in the Kingdom of Yugoslavia. This paper is based on archival materials and relevant reference materials from both national and international sources.
32
Giedeman, Daniel C. "Fannie Mae, Freddie Mac, and the Freedman's Savings Bank." Review of Black Political Economy 38, no. 3 (January 2011): 205–26. http://dx.doi.org/10.1007/s12114-011-9090-6.
Full text
33
Jufriyanto, Moh, Yudha Dwi Putra Negara, and Doni Abdul Fatah. "Analysis of Factor that Preferred by Customer in the Selection of Batara Savings Products at BTN Bank Branch Kamal." International journal of science, engineering, and information technology 4, no. 2 (July 22, 2020): 192–97. http://dx.doi.org/10.21107/ijseit.v4i2.6708.
Full textAbstract:
Factor analysis is a statistical analysis that tries to find a relationship (interrelationship) between a number of variables are mutually independent from one another, so that it can be made one or several sets of variables are less than the amount of the initial variables. Researchers want to conduct research on the factors that necessitated the customer in product selection god savings deposits at Bank BTN Kamal, Bangkalan by factor analysis approach. From the results in getting that formed five factors capable of representing on the seventeenth of the variables used factor analysis conducted, five factors formed can be seen from the eigen value more than 1 and pictures scree plot. Factors which is made by customers of Bank BTN in the selection of savings products Batara ie Employee Bank BTN responsive in serving, security transactions, procedures (and requirements) account opening Savings Batara easy was infested, Administration fee is low, and Employees of Bank BTN can give correct information and clear.
34
Sandria, Wella. "PERSEPSI MAHASISWA TENTANG BANK SYARIAH TERHADAP KEPUTUSAN MENABUNG DI PERBANKAN SYARIAH." Journal Development 6, no. 2 (December 27, 2018): 178–90. http://dx.doi.org/10.53978/jd.v6i2.114.
Full textAbstract:
Islamic Bank is a bank whose operating system uses sharia principles. Currently many terms are given to refer to Islamic Bank entities other than Islamic Banks themselves, namely Banks Without Riba (La Riba Bank), and Islamic Banks (Shari'a Bank) or banks based on sharia principles. Students are the right target for Islamic banking to increase savings growth. Savings are needed in students, not only students who come from within the city but also come from outside. The purpose of this study is to find out how the Economic School of Muhammadiyah Jambi students’ 'perceptions about Islamic banking, and how strong the influence of students' perceptions on the decision to save in Islamic banks. The theoryies used are perception theory by Michael W. Levine & Shefner and the factors that influence consumer decisions by Mowen and Michael. The results of this study indicate that the perception of students of the Economic School of Muhammadiyah Jambi regarding sharia banking services in Jambi is very positive, indicated by the level of their understanding of Islamic banking services. They believe well that saving in Islamic banks is more beneficial than in conventional banks. However, the decision to save is still in conventional banks. There are only 24.6% of students who have savings in Islamic banks. The remaining 75.4% do not have savings in Islamic banks.
35
Petersson, Tom. "The merger. The merger between the cooperative bank and the savings bank of Sweden." Scandinavian Journal of Management 20, no. 1-2 (March 2004): 209–11. http://dx.doi.org/10.1016/j.scaman.2003.11.001.
Full text
36
Maulana, Indra, and Mohammad Fahmi Arkanuddin. "ANALISIS PENGARUH BAURAN PEMASARAN HOLISTIK TERHADAP LOYALITAS NASABAH TABUNGAN PADA BANK X." Eqien: Jurnal Ekonomi dan Bisnis 8, no. 2 (September 25, 2021): 61–70. http://dx.doi.org/10.34308/eqien.v8i2.224.
Full textAbstract:
This study uses a quantitative-descriptive approach, with SPSS 22 analysis tool to test the model. This study was conducted to analyze the significance of the influence of holistic marketing mix variables, namely product, price, promotion, place people, process, program and performance on customer loyalty savings. Holistic marketing mix variables have a significant effect on customer loyalty savings, namely: product, price, people and performance, while the variables that have no significant effect are: promotion, place, process and program. The coefficient of determination or R is 0.955, this indicates that the holistic marketing mix is able to affect customer loyalty savings by 95.50% of which 4.50% is influenced by other variables not examined. Banks can focus on 4 (four) significant variables by improving the performance of product, price, people and performance variables, namely in terms of making strategies, business plans and work programs to increase savings customer loyalty, so as to increase benefits and profits for banks both for the time being. this time and in the future, meanwhile, banks can improve the performance of promotion, place, process and program, so that they can contribute positively to savings performance.
37
de Mel, Suresh, Craig McIntosh, and Christopher Woodruff. "Deposit Collecting: Unbundling the Role of Frequency, Salience, and Habit Formation in Generating Savings." American Economic Review 103, no. 3 (May 1, 2013): 387–92. http://dx.doi.org/10.1257/aer.103.3.387.
Full textAbstract:
We report on a field experiment using several methods for collecting deposits made in formal bank accounts in rural areas in Sri Lanka. We find that only frequent, face-to-face collection increases aggregate household savings. Collection involving community lock boxes increases balances at the collecting bank, but not overall household savings. Only community box collection appears to have the possibility of being financially viable. The various collection methods allow us to unbundle the role of frequency, salience and habit formation in deposit decisions. We find that frequency and salience affect the number of transactions, but not the level of savings.
38
Rahmani, Sri. "Faktor-Faktor Kebijakan Yang Mempengaruhi Tabungan Mudharabah Pada Perbankan Syariah Di Indonesia." JPS (Jurnal Perbankan Syariah) 1, no. 2 (October 12, 2020): 122–37. http://dx.doi.org/10.46367/jps.v1i2.225.
Full textAbstract:
The first Islamic bank as a pioneer did not use an interesting system but instead used a profit-sharing system, namely Bank Muamalat Indonesia. The National Sharia Council has issued a fatwa stating that justified savings are savings based on Islamic principles, namely mudharabah and wadiah. The purpose of this research is to determine the effect of policy factors on mudharabah savings transactions in Islamic banking partially and simultaneously. This research uses a quantitative method where the data is in the form of a ratio. The population in this research 34 Islamic banks in Indonesia and were used as samples. The results of the research are statistically proven partially and simultaneously inflation, exchange rates and the BI Rate have a significant effect on mudharabah savings.
39
Christinawati, Evi Lusiana. "ANALISA FAKTOR – FAKTOR YANG MEMPENGARUHI TABUNGAN MASYARAKAT PADA BANK UMUM DENGAN PENDEKATAN MODEL ECM." Jurnal Ekonomi Pembangunan 11, no. 1 (December 1, 2013): 35. http://dx.doi.org/10.22219/jep.v11i1.3729.
Full textAbstract:
To the effect this Research is subject to be menganalisis factor that regard society savings on public bank by use of approaching ECM wields annual data begin year 1985 until years 2009 be utilized this ECM'S approaching with consideration that this model feels equal to word relationship among variable one is analyzed well that in the short term and also on a long term. In theory PDB, savings rate of interest zoom, inflation rate is influential factor to savingses. studi's result in the short term points out that PDB and rate of interest zoom, having for positive and signifikan to society savings, but negative ascendant inflation whereas in the long term PDB interest rate, positive influential inflation rate to society savings. simultan's ala all that variable gets to be utilized big see it gets what far-reaching to society savings, but partially variable memilki's one the most influence dominant is PDB.
40
Muthu, N. "Progress of Self Help Group-Bank Linkage Programme in India." Shanlax International Journal of Economics 9, no. 2 (March 1, 2021): 41–51. http://dx.doi.org/10.34293/economics.v9i2.3735.
Full textAbstract:
In this paper an attempt has been made to analyse the progress of SHG-Bank linkage programme in India during the period between 2007-2008 and 2019-2020. The progress of SHG-Bank linkage programme has been analyzed in terms growth of savings of SHGs with banks and growth of bank loans disbursed to SHGs. For this purpose the data required for the study were collected from the official publication of National Bank for Agricultural and Rural Development (NABARD), different published reports, journals and existing available literature. This study employed simple statistical tools such as percentage analysis and averages to analyze the data. The result of the study shows that there is significant raise in the amount of savings of SHGs with banking sector and amount of loans disbursed to SHGs, During this study period. However the agency-wise analyses of savings of SHGs and loans disbursed to SHGs show that the Commercial banks lead in getting savings of SHGs and loans disbursed to them followed by Regional Rural Banks and Co-operative banks. Not with standing the remarkable progress, geographically there has been skewed development of SHG-Bank linkage programme in India. There is wide regional disparity in the spread of SHGs, savings of SHGs with banks and loans disbursed to SHGs under this programme. The outreach of this programme is spectacular in Southern region while North, West and Eastern regions are lagging behind. In view of the large outreach, predominant position and the possible benefits to the poor, it is very important to see the benefits of this programme to reach across all sections of the society and regions. So far the SHG movement is India is mostly South-Centric and it is yet to take off the real sense in other regions of India.
41
Fitriah, Fitriah. "BENTUK DAN TANGGUNGJAWAB PIHAK BANK TERHADAP DANA SIMPANAN PARA NASABAH." Solusi 16, no. 3 (September 1, 2018): 301–20. http://dx.doi.org/10.36546/solusi.v16i3.139.
Full textAbstract:
A bank is a financial institution whose existence depends absolutely on the trust of its customers who entrust their savings funds. Banks are very concerned that the trust of the public, who have and who will save their funds, are well-maintained, considering that the bank is part of the financial system and payment system. Bank secrecy is very important because banks need the trust of the people who keep their money in the bank. The customer only entrusts his money to the bank or makes use of the bank's services if the bank provides a guarantee that the bank's knowledge of deposits and the state of their assets will not be misused. The legal relationship between the bank and the depository customer starts from the signing of a written agreement (contractual relationship) between the bank and the customer which contains the rights and obligations for each party. As for the form of agreement for depositing funds between the customer and the bank, it is called a deposit agreement (Article 1319 Civil Code). In a deposit agreement, the bank sets certain general requirements in a deposit account or savings account, among others, the recipient of the deposit (bank) can use the depositors' money and at a certain time the bank will provide interest. Other provisions that can be used as the basis of relations between banks and depositors are Proxy Giving. Depositors give their power to banks when signing deposit accounts or savings accounts or bank accounts. This agreement becomes a law or law for both parties (Article 1338 of the Civil Code). As a manifestation of the bank's responsibility for depositing customers, banks must pay attention to the 4 (four) pillars of the relationship between depositors and banks, namely: Prudence, Health, Bank Secrets and Trust
42
PERERA, RYLE S., and KIMITOSHI SATO. "THE IMPACT OF SAVINGS WITHDRAWALS ON A BANKER’S CAPITAL HOLDINGS SUBJECT TO BASEL III ACCORD." Annals of Financial Economics 15, no. 02 (June 2020): 2050006. http://dx.doi.org/10.1142/s2010495220500062.
Full textAbstract:
In this paper, we analyze the impact of savings withdrawals on a bank’s capital holdings under Basel III capital regulation. We examine the interplay between savings withdrawals and the investment strategies of a bank, by extending the classical mean–variance paradigm to investigate the bankers optimal investment strategy. We solve this via an optimization problem under a mean–variance paradigm, subject to a quadratic optimization function which incorporates a running penalization cost alongside the terminal condition. By solving the Hamilton–Jacobi–Bellman (HJB) equation, we derive the closed-form expressions for the value function as well as the banker’s optimal investment strategies. Our study provides a novel insight into the way banks allocate their capital holdings by showing that in the presence of savings withdrawals, banks will increase their risk-free asset holdings to hedge against the forthcoming deposit withdrawals whilst facing short-selling constraints. Moreover, we show that if the savings depositors of the bank are more stock-active, an economic expansion will imply a greater reduction in bank savings. As a result, the banker will reduce his/her loan portfolio and will depend on high stock returns with short-selling constraints to conform to Basel III capital regulation.
43
Sari, Nora Pusvita, Fadilla Fadilla, and Havis Aravik. "Penerapan Akad Mudharabah Pada Produk Tabungan di PT. Bank Syariah Mandiri KC Prabumulih." Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Perbankan Syariah 6, no. 2 (February 17, 2021): 211–26. http://dx.doi.org/10.36908/esha.v6i2.210.
Full textAbstract:
Sharia banking is currently on the rise and has become a reference for people to invest their funds for various needs. For this reason, various sharia banking products must be able to be understood by the public, one of which is the application of the mudharabah contract to savings products. This article discusses the application of the Mudharabah contract to savings products at PT. Bank Syariah Mandiri KC. Prabumulih. This article uses qualitative research by collecting data through direct interviews with stakeholders at Bank Syariah Mandiri Prabumulih Branch. The results of this study are the implementation of the contract used in planning savings is the mudharabah muthlaqah contract, which is a form of cooperation between shahibul maal (fund owner), namely the customer and mudharib (fund manager), namely the bank, where the owner of the fund (shahibul maal) does not impose limits on the mudharib in determine the type of business, time and area of business as long as it does not conflict with sharia principles and is in accordance with bank regulations.
44
Wairooy, Mohammad Ali. "PENGARUH MUTU TABUNGAN DAN PROMOSI PENJUALAN TERHADAP MINAT MENABUNG NASABAH PADA PT. BANK SULSELBAR MAKASSAR." Movere Journal 3, no. 2 (August 2, 2021): 12–24. http://dx.doi.org/10.53654/mv.v3i2.183.
Full textAbstract:
This study aims to examine and analyze the effect of quality of savings on customer saving interest at PT. Bank SULSELBAR Makassar, To test and analyze the effect of Sales Promotion on Customer Saving Interest at PT. Bank SULSELBAR Makassar, and to test and analyze the effect of the Quality of Savings and Sales Promotion simultaneously on Customers' Interest in Saving at PT. Bank SULSELBAR Makassar. Data collection using primary data obtained from a questionnaire with a population of 165,957 customers and samples using the Slovin formula obtained as many as 100 respondents. The results of the questionnaire have been tested for validity and reliability, as well as tested classical assumptions in the form of normality assumptions and heteroscedasticity assumptions. Methods of data analysis using multiple regression techniques.
Based on the partial analysis (t-test) and simultaneously (Test-f) it turns out that the research results prove that all hypotheses are accepted because the Quality of Savings and Sales Promotion has a positive and significant effect partially and simultaneously on Saving Interest at PT. Bank SULSELBAR Makassar.
45
Waluya, Atep Hendang. "FIKIH ZAKAT SIMPANAN DI BANK DAN HUKUM-HUKUMNYA." al-Uqud : Journal of Islamic Economics 1, no. 2 (July 30, 2017): 156. http://dx.doi.org/10.26740/jie.v1n2.p156-182.
Full textAbstract:
The potential of zakah of savings on Banks in Indonesia in 2011 reached 17 T. According to the jumhur (konsensus) of contemporary fuqaha (jurist), saving in banks, essentially, are accounts receivable (qardh). There is a difference of opinion among the fuqaha about the zakah on accounts receivable. However, a strong opinion is that saving in banks is accounts receivable to mali badzil (people who can afford to pay debts and not delay payments) therefore deposits in banks both conventional and sharia are obliged to be paid the zakah when they reach nishab and haul. The nishab is the same as gold or silver. The size is 2,5%. If follow the gold nishab, then saving about Rp. 45.132.620,00 then must pay zakah about Rp. 1.128.315,00. If follow silver nishab, then the savings in the bank about Rp. 6.515.250,00 are required to pay zakah about Rp. 162.881,25. It is possible to combine banknotes, gold, silver and merchandise (‘urudh tijarah) in determining nishab deposits in banks. If there any profits on saving that invested (deposits) then the saving and profits must be paid the zakah, if the investment is on the halal and not contrary to syara. There is no zakah on the profits from saving invested (deposits) on the forbidden enterprises or from the interest of savings in a conventional bank
46
Waluya, Atep Hendang. "FIKIH ZAKAT SIMPANAN DI BANK DAN HUKUM-HUKUMNYA." al-Uqud : Journal of Islamic Economics 1, no. 2 (July 30, 2017): 156. http://dx.doi.org/10.26740/al-uqud.v1n2.p156-182.
Full textAbstract:
The potential of zakah of savings on Banks in Indonesia in 2011 reached 17 T. According to the jumhur (konsensus) of contemporary fuqaha (jurist), saving in banks, essentially, are accounts receivable (qardh). There is a difference of opinion among the fuqaha about the zakah on accounts receivable. However, a strong opinion is that saving in banks is accounts receivable to mali badzil (people who can afford to pay debts and not delay payments) therefore deposits in banks both conventional and sharia are obliged to be paid the zakah when they reach nishab and haul. The nishab is the same as gold or silver. The size is 2,5%. If follow the gold nishab, then saving about Rp. 45.132.620,00 then must pay zakah about Rp. 1.128.315,00. If follow silver nishab, then the savings in the bank about Rp. 6.515.250,00 are required to pay zakah about Rp. 162.881,25. It is possible to combine banknotes, gold, silver and merchandise (‘urudh tijarah) in determining nishab deposits in banks. If there any profits on saving that invested (deposits) then the saving and profits must be paid the zakah, if the investment is on the halal and not contrary to syara. There is no zakah on the profits from saving invested (deposits) on the forbidden enterprises or from the interest of savings in a conventional bank
47
Cholifah, Cholifah, and Agus Sukoco. "THE INFLUENCE OF SAVING PRODUCT ATTRIBUTES AND QUALITY OF SERVICE ON BANK CUSTOMER SATISFACTION." Jurnal Ekonomi 19, no. 2 (June 30, 2019): 61–70. http://dx.doi.org/10.29138/je.v19i2.61.
Full textAbstract:
This study aims to determine the effect of savings products and service quality on customer satisfaction in the workplace. The sample in this study were 100 customers of the PT Bank Jatim Tenggilis Surabaya Branch Office. Data collection techniques in this study were observation, questionnaires, and librarian studies. While the data analysis technique used is the classical assumption test technique, multiple linear regression analysis, and hypothesis testing using SPSS 17 software. The results show that there is an influence between savings products and services on customer satisfaction. There is a positive and significant influence between savings products and services on customer satisfaction, so the hypothesis is accepted. The coefficient of determination is 0.443 which indicates that the savings products and services together can explain the customer satisfaction of the PT Bank Jatim Tenggilis Surabaya Sub-Branch Office by 44.3%, while the rest is influenced by other variables not examined. There is a relationship between savings products and services with customer satisfaction, so companies must pay more attention to the service products sold and the services provided to create customer satisfaction.
48
Cottin-Euziol, Edouard. "The repayment of bank credits having financed investments in the Domar model." Brazilian Keynesian Review 1, no. 2 (December 24, 2015): 177–92. http://dx.doi.org/10.33834/bkr.v1i2.37.
Full textAbstract:
In the Domar model, based on the Keynesian multiplier theory, investment generates savings. Therefore, savings cannot fund investments, at least ex ante. Investments have first to be financed by bank credit, hence the question on their repayment. In this article, we suppose that investments are financed by bank credits issued on several periods, as it typically takes years for firms to reimburse their investment debt. What we then obtain is that, in order to avoid an overproduction crisis, the rate of capital accumulation has to gradually rise throughout a growth phase. This result paves the way to a theory of cycles based on the repayment of bank credits.
49
Pebri, Prianda, and Surya Bakti. "Maximizing Mudharabah Savings and Mudharabah Deposits against Mudharabah Financing Sharia of Commercial Bank." Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences 4, no. 2 (May 4, 2021): 2217–26. http://dx.doi.org/10.33258/birci.v4i2.1914.
Full textAbstract:
The purpose of this study is to partially and simultaneously determine the effect of mudharabah savings and mudharabah deposits on mudharabah financing at Commercial Sharia Bank. It is quantitative reserach. The population in this study is the Statistics of Sharia Banks (SPS), which includes statistics on mudharabah savings, mudharabah deposits, and mudharabah financing for Sharia Commercial Banks from January 2015 to December 2019 which comes from the Statistics of Sharia Banks (SPS). This data is obtained from Financial Services Authority website with link www.ojk.go.id. which is published monthly. Data analysis is using multiple linear regression analysis. The results show as partially, it is only mudharabah savings have a positive and significant effect on mudharabah financing for Sharia Commercial Banks. While mudharabah deposits have no effect on the mudharabah financing of Sharia Commercial Banks. Furthermore, simultaneously the two independent variables, which are mudharabah savings and mudharabah deposits have a positive and significant effect on mudharabah financing for Sharia Commercial Banks.
50
Basuki, Hari, and Maslihatun Khasanah. "Analisis Penerapan Akad Mudhorobah Muthlaqoh Pada Produk Tabungan Ib Hijrah Prima di PT. Bank Muamalat Indonesia." JPSDa: Jurnal Perbankan Syariah Darussalam 1, no. 1 (January 19, 2021): 85. http://dx.doi.org/10.30739/jpsda.v1i1.793.
Full textAbstract:
Mudharabah Muthlaqah is where shahibul maal gives full discretion to the manager (mudharib) to use the funds in a business which he considers to be good and profitable. However, the manager is still responsible for managing it in accordance with normal healthy business practices (uruf). In the DSN-MUI review of the implementation of the muthlaqoh mudhorobah contract on the savings from the prime hijrah, the researchers analyzed that it was appropriate. Because based on the DSN-MUI fatwa regarding justified savings are savings based on mudhorobah and wadi'ah principles, while unjustified savings are savings based on interest calculations. research using qualitative research methods that use descriptive analysis. The results of this study indicate that the application of the mudhorobah muthlaqoh agreement on iB hijrah prima savings in calculating the profit sharing that must be considered is HI-1000 (read ha-i-thousand) which every month there is always a change and based on the average customer balance at each the month with the existence of the ratio waad.