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Journal articles on the topic 'Savings product'

Author: Grafiati

Published: 4 June 2021

Last updated: 1 February 2022

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1

Purnomo, Agus. "ANALISIS PEMBAYARAN PREMI DALAM ASURANSI SYARIAH." al-Uqud : Journal of Islamic Economics 1, no. 1 (2017): 27. http://dx.doi.org/10.26740/jie.v1n1.p27-40.

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The purpose of this study to analyze the model of calculating rates of the premium insurance on savings and non-savings products to segmentation market and the profit. The method of this study used the descriptive qualitative.Related to characteristics of the product for saving products more appropriate to applied to individu segmentation, whereas the non-saving product more appropriate if marketed to groups or companies. Companies that invest on high rate of return will use a relatively of smaller debt. The high rate of return will allow them to fund the majority of the finance when they need

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Purnomo, Agus. "ANALISIS PEMBAYARAN PREMI DALAM ASURANSI SYARIAH." al-Uqud : Journal of Islamic Economics 1, no. 1 (2017): 27. http://dx.doi.org/10.26740/al-uqud.v1n1.p27-40.

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The purpose of this study to analyze the model of calculating rates of the premium insurance on savings and non-savings products to segmentation market and the profit. The method of this study used the descriptive qualitative.Related to characteristics of the product for saving products more appropriate to applied to individu segmentation, whereas the non-saving product more appropriate if marketed to groups or companies. Companies that invest on high rate of return will use a relatively of smaller debt. The high rate of return will allow them to fund the majority of the finance when they need

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Dimitrov, Stanislav. "Customers’ expectations from savings products." VUZF Review 6, no. 2 (2021): 4–10. http://dx.doi.org/10.38188/2534-9228.21.2.01.

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Customers expect certain characteristics from long-term savings products. Providers are not able to supply all of these characteristics in one product at the same time. In addition, there are changing attitudes of the savers and the requirements to the financial institutions are evolving. The paper is analyzing the customers’ expectations from the long-term savings products. The manuscript is searching answer which are the most important characteristics of the savings products from the point of view of the client. The research is focused on three main areas: which are the customers’ expectatio

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Setiarini, Dita Septi, and Sendhang Nurseto. "THE EFFECT OF SERVICE QUALITY AND CUSTOMER VALUE TO CUSTOMER SATISFACTION (Case Study on Simpedes Savings Products Customer of BRI Unit Tugu Semarang)." JURNAL ADMINISTRASI BISNIS 6, no. 2 (2018): 110. http://dx.doi.org/10.14710/jab.v6i2.16612.

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In the competitive situation of banks, banks as an industry engaged in services not only offer services but also products offered by the bank. Simpedes is one of the savings products offered by BRI for the village community which then extends to the urban community using the savings products. However, customers of Simpedes savings product at BRI Unit Tugu Semarang have decreased. This is due to several complaints on customer ratings on Simpedes product services. This study aims to determine the effect of service quality and customer value on customer satisfaction in customers of savings produc

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Santosa, Jarot, Denny Mahendra, and Aris Tri Haryanto. "PENGARUH KEPERCAYAAN, PROMOSI DAN KUALITAS PRODUK TERHADAP KEPUASAN DAN LOYALITAS NASABAH TABUNGAN PADA PD BPR BANK DAERAH KLATEN." EXCELLENT 6, no. 2 (2019): 124–35. http://dx.doi.org/10.36587/exc.v6i2.591.

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ABSTRACT The purpose of this research is to know and analyze empirically influence of trust, promotion and product quality on satisfaction and loyalty of customer of saving in PD. BPR of Bank Daerah Klaten. The analytical technique used is by using instrument test which includes validity test and reliability test, linearity test, regression analysis, path analysis, t test, F test, coefficient determination test and correlation analysis. Hypothesis test results trust has a significant effect on customer satisfaction. Promotion has a significant effect on customer satisfaction of savings. Produc

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Sanyal, Amit, Michelle Schmitt, and Daniel Wellner. "Evaluation of real-world cost savings and utilization of biosimilar drugs in a community-based oncology practice." Journal of Clinical Oncology 39, no. 28_suppl (2021): 73. http://dx.doi.org/10.1200/jco.2020.39.28_suppl.73.

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73 Background: Biosimilar drugs, defined as biologic products with no clinically significant differences in quality, efficacy and safety compared to approved reference products have gained increasing adoption based on studies projecting significant cost savings[1]. Real world evaluation of biosimilar related cost savings and adoption is however still limited. We prospectively evaluate cost savings generated by transitioning to biosimilar monoclonal antibodies in a community based oncology practice. Methods: In July 2020, a process for transitioning patients to biosimilar equivalents of Rituxim

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Wanto, Muhammad. "Implementasi Akad Produk Tabungan Rencana di PT. Bank Syariah Mega Indonesia Gallery Cianjur." Muqtasid: Jurnal Ekonomi dan Perbankan Syariah 5, no. 1 (2014): 75. http://dx.doi.org/10.18326/muqtasid.v5i1.75-97.

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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

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Thauhid, Sandy Baytu, Susilo Toto Raharjo, and Harry Soesanto. "STUDY ON THE INFLUENCE OF POSITIONING STRATEGY, PRODUCT QUALITY, SERVICE QUALITY AND CORPORATE IMAGE TO DECISION OF SAVING AT BANK BJB TEGAL BRANCH." Jurnal Sains Pemasaran Indonesia (Indonesian Journal of Marketing Science) 16, no. 2 (2018): 117. http://dx.doi.org/10.14710/jspi.v16i2.117-125.

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The position of bank bjb based on Total DPK in December 2014 rise to the category national public bank, but it is different from Total DPK in the branch of bank bjb in tegal, in the same period the strategy of bjb Tegal bank accumulate DPK (Dana Pihak Ketiga),by increasing product sales of cheap deposits as well as savings bjb tandamata. This study analyzes several factors that thought to have influence on the decisions to saving, there are: positionong, serving quality, product quality, and corporate image.The population of the respondents in this study as many as 120 customers. In this resea

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Wahyuningrum, Rita Nur, and Aan Zainul Anwar. "ANALISIS PENGARUH INFLASI, PRODUK DOMESTIK BRUTO (PDB), DAN NILAI TUKAR TERHADAP TABUNGAN MUDHARABAH PADA BANK UMUM SYARIAH (PERIODE 2013-2017)." JESI (Jurnal Ekonomi Syariah Indonesia) 8, no. 2 (2019): 138. http://dx.doi.org/10.21927/jesi.2018.8(2).138-147.

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<p>This study aims to analyze the effect of inflation, gross domestic product (GDP) and rupiah exchange rate on Mudharabah savings in Islamic banking in Indonesia. The data used is time series data for the period March 2013 to September 2017, which was published by Bank Indonesia from the Islamic Banking Statistics Report and the Central Statistics Agency. The technique of analyzing the research is qualitative with the method of Multiple Linear Regression. The results of this study indicate that simultaneously the Inflation, Gross Domestic Product (GDP) and Exchange Rate variables togeth

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Estelami, Hooman. "Consumer Savings in Complementary Product Bundles." Journal of Marketing Theory and Practice 7, no. 3 (1999): 107–14. http://dx.doi.org/10.1080/10696679.1999.11501845.

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Iriani, Rosyida, and Noven Suprayogi. "AKUNTANSI TABUNGAN EMAS PEGADAIAN SYARIAH." Jurnal Ekonomi Syariah Teori dan Terapan 5, no. 10 (2019): 848. http://dx.doi.org/10.20473/vol5iss201810pp848-859.

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Gold savings product is one of the first gold investment product that is available in Indonesia issued by Pawnshop, including Islamic Pawnshop and using a system of buyingsaving gold, and the agreement of gold svings product used is a contract of sale and purchase or akad murabahah. This research aims to find out the accounting treatment of gold savings, especially the aspects of recognition, measurement, disclosure, and presentation in Islamic Pawnshop This research uses qualitative method. Data collecting techniques used are interview and taking financial statement on official website of PT.

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Jauhariyah, Nur Anim, Ahmad Munawar, and Mahmudah Mahmudah. "Strategi Pemasaran Syariah Dan Waiting List Terhadap Keputusan Nasabah Menggunakan Produk Tabungan Haji Pada PT BRISyariah KCP Genteng Kabupaten Banyuwangi." Journal of Sharia Economics 2, no. 1 (2020): 74–92. http://dx.doi.org/10.35896/jse.v2i1.61.

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The purpose of this study is 1) to find out and analyze the influence of sharia marketing strategy (X1) on customer decisions (Y) using Hajj savings products in BRISyariah KCP Genteng Banyuwangi district; 2) to find out and analyze the influence of the waiting list (X2) on the customer's decision (Y) to use the Hajj savings product at BRISyariah KCP Genteng Banyuwangi district; 3) to find out and analyze the influence of sharia marketing strategy (X1) and waiting list (X2) simultaneously on the customer's decision (Y) to use Hajj savings products in BRISyariah KCP Genteng Banyuwangi district.

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Entaresmen, Raden Ajeng, and Desy Putri Pertiwi. "STRATEGI PEMASARAN TERHADAP PENJUALAN PRODUK TABUNGAN IB HASANAH DI PT. BANK NEGARA INDONESIA SYARIAH KANTOR CABANG JAKARTA BARAT." Jurnal Manajemen dan Pemasaran Jasa 9, no. 1 (2017): 53. http://dx.doi.org/10.25105/jmpj.v9i1.1416.

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<p>BNI Syariah branch office in West Jakarta has one of funding products that Savings iB Hasanah useful for pure investment vehicles Shariah compliance, where customers can make deposits and withdrawals of cash very easily. In marketing this product, BNI Syariah use 2 pattern to implement a marketing strategy that intensification patterns for customers who already have a product BNI Syariah and extension patterns for prospective customers at other banks that have not used that product at BNI Syariah. Besides, in general BNI Syariah has some marketing strategies that include 9P is Process

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Rahmawati, Nur, Sinta Dewi, and M. Dicky Perdana Putra. "Distribution Route of Cement 40’s kg Package at PT.XYZ using Saving Matrix." Tibuana 4, no. 02 (2021): 65–68. http://dx.doi.org/10.36456/tibuana.4.02.3749.65-68.

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Determining the distribution route is one important thing that must be considered by the company to get a cheaper product selling price. PT. XYZ is a cement manufacturing company with consumers spread across several regions. Due to the large number of consumers that must be supplied, the company has problems in determining product distribution routes that can produce a low total cost of distribution. In this method, the saving matrix method is used to obtain distribution routes that can produce the minimum distribution costs. From the results of the study, four sub routes of product distributi

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Schein, Jonah, Peter Chan, Yuting Chen, et al. "Methodology for the national water savings models– indoor residential and commercial/institutional products, and outdoor residential products." Water Supply 19, no. 3 (2018): 879–90. http://dx.doi.org/10.2166/ws.2018.136.

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Abstract Since 2006, the U.S. Environmental Protection Agency (EPA) has operated WaterSense® in partnership with manufacturers, utilities, and consumer groups. Similar to EPA's ENERGY STAR® role for energy-efficient products, WaterSense® employs a labeling system to identify water-efficient products, homes, and services. As of 2015, the WaterSense® program can claim credit for a total savings of 1.5 trillion gallons of water and $32.6 billion in consumer water and energy bills. Savings are tracked in the National Water Savings (NWS) model that combines innovative analyses with methodologies es

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A, Firman. "Pengaruh Brand Image Terhadap Keputusan Nasabah Bank Kalbar Dalam Memilih Produk Tabungan Simpeda." JURNAL MANAJEMEN MOTIVASI 10, no. 3 (2016): 499. http://dx.doi.org/10.29406/jmm.v10i3.51.

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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 th

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Purnomo, Agus, and Muhammad Rusdiansyah. "ANALISIS PRODUK TABUNGAN IB MUAMALAT PRIMA BISNIS TERHADAP SEKTOR RILL PEREKONOMIAN MASYARAKAT (STUDI KASUS PT. BANK MUAMALAT INDONESIA, TBK CABANG BANJARMASIN)." Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) 5, no. 1 (2019): 34. http://dx.doi.org/10.20473/jebis.v5i1.10625.

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This research is motivated by the researcher who previously conducted the Work Practice in PT.Bank Muamalat Indonesia, Tbk Branch Banjarmasin Years 2016 as Marketing Funding. After knowing the superior Funding Product of Bank Muamalat Indonesia Branch of Banjarmasin ie iB Muamalat Prima Business Savings. The reasercher tries to find out the influence of this Product in addition to beneficial to the Customer but the perceived impact in driving the Customer Business That's where it is. The purpose of this research was undertaken by Benefits of Savings Products iB Muamalat Prima Business as a who

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Putri, Nurul Wulandari, and Dhiya Faras Febriani. "Implemantasi Fatwa MUI tentang Akad Mudharabah terhadap Produk Tabungan Safari Kospin Jasa Syariah Banjaran Tegal." Journal of Islamic Civilization 3, no. 1 (2021): 72–79. http://dx.doi.org/10.33086/jic.v3i1.1932.

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economic system in everyday life. In the face of today's uncertain global economy, it is necessary for every individual to have a savings fund in life. Kospin Jasa Syariah Capem Banjaran is here to present various products that are needed by the wider community, one of which is the Safari Savings product. The purpose of this study is to determine the implementation of the application of the Fatwa DSN MUI on the Safari Savings product at Kospin Jasa Syariah Capem Banjaran. With descriptive qualitative method, the writer wants to know in detail the application of the fatwa in the field. The resu

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Sakinah, Gina, Ade Ponirah, and Intan Nurjanah. "Pengaruh Product, Price, Place Dan Promotion Terhadap Keputusan Nasabah Simpanan Fleximax Di PT. Bank Panin Dubai Syariah KCU Bandung." EKSISBANK: Ekonomi Syariah dan Bisnis Perbankan 5, no. 1 (2021): 114–30. http://dx.doi.org/10.37726/ee.v5i1.161.

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Companies are required to be able to compete in the world of marketing. Because the heart of the company lies in the world of marketing. In order for the company's operations to run smoothly, the marketing process must run well. There are several factors that must be considered by the management team in determining a marketing strategy known as the marketing mix. In this article, we will analyze the effect of Product, Price, Place and Promotion on Customer Decisions for Fleximax Savings Bank Panin Dubai Syariah KCU Bandung. Product is everything that is ready to be marketed by producers to get

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Tufano, Peter. "Just Keep My Money! Supporting Tax-Time Savings with US Savings Bonds." American Economic Journal: Economic Policy 3, no. 4 (2011): 172–200. http://dx.doi.org/10.1257/pol.3.4.172.

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This paper reports the results of a 2007 experiment testing whether specific process simplification can foster increased take-up rates for savings products, particularly by low-to-moderate income (LMI) households. Tax refund recipients at certain H&R Block tax preparation offices were given the option to purchase US Savings Bonds with their tax refunds, augmenting the tax-site savings options offered by H&R Block. Those who received the savings bond offer were substantially more likely to purchase a savings product on-site than those who didn't, even after controlling for client demogr

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Kusrini, Eni. "Strategi Pemasaran dalam Pencapaian Target Produk Simpanan Pada BRI Syari’ah." TAWAZUN : Journal of Sharia Economic Law 2, no. 1 (2019): 33. http://dx.doi.org/10.21043/tawazun.v2i1.5416.

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<p>The achievement of the savings product target obtained is based on the optimism of BRI Syari'ah employees that the majority of Demak people are Muslims who certainly want a trustworthy service in accordance with their beliefs. In addition, BRI Syari'ah's market share in Demak is increasingly providing opportunities to help customers' needs. This study aims to find out: (1) strategies to achieve the target of marketing savings products at Bank Rakyat Indonesia (BRI) Syari'ah in Demak; (2) and analyze the implementation of efforts to implement strategic analysis on savings products at B

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Romdhoni, Abdul Haris, and Dita Ratna Sari. "Pengaruh Pengetahuan, Kualitas Pelayanan, Produk, dan Religiusitas terhadap Minat Nasabah untuk Menggunakan Produk Simpanan pada Lembaga Keuangan Mikro Syariah." Jurnal Ilmiah Ekonomi Islam 4, no. 02 (2018): 136. http://dx.doi.org/10.29040/jiei.v4i02.307.

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This study aims to examine the influence of knowledge, service quality, product, and religiosity on customers' interest in using savings products at BMT Amanah Ummah Gumpang Kartasura, Sukoharjo. In this study for independent variables are knowledge, service quality, product, and religiosity, while for the dependent variable in this study is the interest of customers using deposit products. This study uses a sample of 100 people with sampling using a random sampling method. This study uses quantitative methods and primary data using a questionnaire that must be answered by the respondent. Data

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Khan, Ashfaque H. "Financial Repression , Financial Development and Structure of Savings in Pakistan." Pakistan Development Review 27, no. 4II (1988): 701–13. http://dx.doi.org/10.30541/v27i4iipp.701-713.

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The mobilization of domestic resources is one of the key determinants of sustained economic growth. Improving domestic resource mobilization involves raising the level of national savings to enable a higher level of investment, hence a faster rate of economic growth. Pakistan's saving performance and its overall economic performance appear to be incongruous. Over the past several years, Pakistan has maintained an economic growth of more than 6 percent which is laudable, but her performance with regard to savings has been poor. In fact, saving as a fraction of the Gross National Product (GNP) i

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Nigam, Achint, Prem Prakash Dewani, and Abhishek Behl. "Exploring Deal of the Day: an e-commerce strategy." Benchmarking: An International Journal 27, no. 10 (2020): 2807–30. http://dx.doi.org/10.1108/bij-03-2020-0129.

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PurposeThis paper examines differences in the discounts offered during Deal of the Day (DOD) promotion schemes by online retailers based on product category, festival season and the economic status of a country.Design/methodology/approachIn study 1, the authors conducted three focus group studies and 20 in-depth personal interviews (PIs) to explore consumers' perspectives on DOD. To validate the hypotheses based on the findings of study 1 and collected 515 data points from Amazon.com (313 data points from the United States) and Amazon.in (202 data points from India) in study two. The authors u

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Shaikh, Salman Ahmed. "Incorporating Private Savings Behavior in Product Offerings: A Case Study of Pakistan." Signifikan: Jurnal Ilmu Ekonomi 10, no. 2 (2021): 247–58. http://dx.doi.org/10.15408/sjie.v10i2.20139.

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In order to enhance understanding about the actual savings behaviour and impulses which drive savings behaviour, it is interesting to study the micro foundations of savings behaviour. Collecting micro data through filled questionnaire from households in urban areas, this study identifies the motives of savings and the instruments and channels where the savings are invested in Pakistan. The results reveal that investment motive, higher income and greater frequency of household members joining labor force for earning incomes enhance the monthly savings rate. The results can be used to offer Isla

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Linnemann, Per, Kenneth Bruhn, and Mogens Steffensen. "A comparison of modern investment-linked pension savings products." Annals of Actuarial Science 9, no. 1 (2014): 72–84. http://dx.doi.org/10.1017/s1748499514000219.

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AbstractThis paper is a continuation of and a supplement to the paper by Jørgensen & Linnemann. Both papers deal with TimePension – a (formula-based) smoothed investment-linked annuity pension scheme. Both papers compare TimePension with other pension savings products using stochastic financial simulation. TimePension as well as the financial model and simulation concept being used in both papers were introduced in the paper op cit.Jørgensen & Linnemann compare TimePension with a traditional with-profits scheme involving bonus entitlement and an investment-linked Unit Link scheme with

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Koćwin, Julitta. "Zainteresowanie oraz opłacalność oszczędzania na emeryturę w III filarze." Ekonomia 23, no. 3 (2018): 47–64. http://dx.doi.org/10.19195/2084-4093.23.3.4.

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Interest and profitability of saving for retirement in the Third PillarThe problem presented in the research paper is the issue of retirement savings efficiency in the Third Pillar of social insurance in Poland. The object of accomplished analysis, which constitutes grounds for inference was “the number of accounts in the Third Pillar and the value of accumulated funds”, which allowed defining “interest and attractiveness of the use of financial products offered by the Third Pillar” and “profitability of saving in the Third Pillar”. The results of the research, which determine present interest

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Hung, Ly Dai. "Empirics for Marginal Product of Capital." Journal of International Commerce, Economics and Policy 11, no. 01 (2019): 2050003. http://dx.doi.org/10.1142/s1793993320500039.

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We characterize the marginal product of capital on a cross-section data of 88 economies over 1980–2013. The marginal product of capital is increasing on savings misallocation rate, measuring the fraction of savings unconverted into investment, on productivity growth and on financial openness. One country with a higher marginal product of capital makes more domestic investment, receives more foreign direct investment (FDI) and equities inflows, but accumulates more foreign debts and reserves. Moreover, it also has a higher financial development level.

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Alferoff, Catrina, David Knights, Andrew Leyshon, and Paola Signoretta. "The ‘Let them eat cake’ strategy for ‘industrial branch’ insurance clients: Reflecting on the Demise of a Sector in Financial Services." Social Policy and Society 3, no. 4 (2004): 353–63. http://dx.doi.org/10.1017/s1474746404001988.

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Declining state provision, low levels of financial capability (FSA/DTI, 2002), and, it must be added, regulation on savings and investments have impacted severely on the ability of some sections of the UK population to purchase life assurance and savings products. In addition, according to a report submitted to the Treasury, ‘there is a wide consensus that the UK population is not saving enough for retirement. Savings levels are 20 per cent or more below what they should be. The problem appears to be particularly acute amongst the less affluent, where insufficient levels of saving are likely t

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Sari, Dita Kartika. "FLUKTUASI TINGKAT INFLASI, SUKU BUNGA DAN PRODUK DOMESTIK BRUTO TERHADAP TABUNGAN DI INDONESIA TAHUN 2005-2010." Jurnal Ekonomi Pembangunan 10, no. 2 (2012): 102. http://dx.doi.org/10.22219/jep.v10i2.3721.

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The research objective was to determine the progression rate of inflation, interest rates and gross domestic product of the savings from the years 2005-2010, to determine the magnitude of the effect of inflation rates, interest rates and gross domestic product of the savings. Analysis tools used in this study using multiple regression. Analytical results obtained are inflation, interest rates, gross domestic product is jointly affect savings. Based on this research, the implications of this research that the savings are affected by inflation, interest rates (SBI) and gross domestic product (GD

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Riley, Michael W., and Robert L. Dhuyvetter. "Design Cost Savings and Ergonomics." Proceedings of the Human Factors and Ergonomics Society Annual Meeting 44, no. 12 (2000): 2–511. http://dx.doi.org/10.1177/154193120004401219.

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Designing products includes many issues which have an impact on the life cycle of a product. Design costs include the cost of the design for the product's functional needs and the cost of the design for associated needs. Examples of associated needs are design for assembly, design for serviceability, design for compatibility, and design for manufacturability. The purpose of this study is to demonstrate how applying appropriate ergonomic principles during design can reduce many life cycle costs. Relating potential cost savings attributed to ergonomics can be useful as a tool in decision support

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Slddlqui, Rehana, and Rizwana Slddlqui. "Household Saving Behaviour in Pakistan." Pakistan Development Review 32, no. 4II (1993): 1281–92. http://dx.doi.org/10.30541/v32i4iipp.1281-1292.

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Household saving, which is a part of national saving, is expected to contribute to economic growth significantly. Its share in the total national savings of Pakistan, during 1960-90, was about 83 percent, ( and in gross national product it varied between 6.6 percent and 10 percent, in the early 1980s.2 This is a significantly high proportion considering the meagre total national saving ratio in Pakistan. The analysis of savings is a controversial issue. First. there is no standard empirical definition of household savings. Should consumer durables be considered a part of household saving? Shou

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Hendro P, Moch Aditya, and Ririt Iriani Sri Setiawati. "Analysis of Some Factors Affecting Interest Rate Deposits And Savings At Umu Bank In East Java." Jurnal Dinamika Ekonomi Pembangunan 1, no. 1 (2018): 46–55. http://dx.doi.org/10.33005/jdep.v1i1.69.

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The purpose of this study is to find out how many factors affect the rate of deposits and savings at commercial banks in East Java. This study uses secondary data for 15 years since 2001-2015 by using multiple linear regression analysis to determine the effect simultaneously and partially from Inflation variable, Gross Regional Domestic Product, Total Money Supply, Return On Assets to variable Interest Rate Deposit Rate And Savings as dependent variable. The results showed that simultaneously all the independent variables (X) affect the level of Deposits and savings. Partially variable of GRDP

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Mamuaya, Nova Christian, and Aditya Pandowo. "Faktor-Faktor yang Mempengaruhi Kepuasan Konsumen Pengguna Layanan Pembelian Secara Daring: Peran Kepuasan Konsumen Sebagai Mediator." Esensi: Jurnal Bisnis dan Manajemen 9, no. 1 (2019): 91–108. http://dx.doi.org/10.15408/ess.v9i1.12585.

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The purpose of this study is to analyze the influence of several antecedents of customer satisfaction in the online shopping industry, namely site design, time savings, product variation, and shipping performance, and its consequence on customer satisfaction and word of mouth. This study uses purposive sampling with repeat buyer criteria. 100 samples qualify and deserve to be tested after testing their validity and reliability. The results showed that site design, time savings, and delivery performance significantly affected customer satisfaction. Meanwhile, site design, time savings, and prod

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Alfiatin, Alfiatin, Yuniorita Indah Handayani, and Muhaimin Dimyati. "Pengaruh Marketing Mix Terhadap Keputusan Menabung Dengan Reputasi Sebagai Variabel Intervening Pada Bank BNI KCP. Univ. Jember." RELASI : JURNAL EKONOMI 17, no. 2 (2021): 325–52. http://dx.doi.org/10.31967/relasi.v17i2.490.

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This study aims to examine whether there is a product, price, place and promotion influence on saving decisions through reputation as an intervening variable. The population in this study are bank customers who have joined more than one month to more than two years BNI kcp Bank. Univ. Jember The sampling technique in this study uses the accidental sampling approach. The number of samples is 100 respondents. The analysis method used is the path analysis method using SPSS 22 software. The results of this study show that the marketing mix has an effect on reputation, and reputation has an effect

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Sugiarti, Intan Lilis, Erika Amelia, and Ade Ananto Terminanto. "FACTORS AFFECTING COMMUNITY INTEREST IN SHARIA BANK SAVING PRODUCTS (Studies on the Community of South Tangerang City)." Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam 4, no. 02 (2020): 189. http://dx.doi.org/10.30868/ad.v4i02.974.

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This research was conducted to find factors that influence people's preferences on Islamic bank savings products. This study uses primary data in the form of a questionnaire distributed to the people of South Tangerang. They have been or have been a sharia bank savings customer. This study obtained a sample of 133 respondents. To analyze this study, researchers used a factor analysis test and Chi-Square (X2) test using SPSS version 24. The factor analysis test results from this study indicate that nine factors can influence people's preferences on Islamic bank savings products. Factors formed

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Rismayanti, Nafisa, Sugeng Hariadi, and Mintarti Ariani. "ANALISIS MINAT MENABUNG NASABAH DI BANK BCA SYARIAH CABANG SIDOARJO." Jurnal Ekonomi dan Bisnis 23, no. 2 (2019): 75–84. http://dx.doi.org/10.24123/jeb.v23i2.2014.

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The research was distributed by certain important factors to decide to save or invest. Clients also pay attention to service and savings products offered by the bank so that the customer would like to use it. Clients always want products that canmeet their needs, and asked the bank to provide the best service. Those factors are one of the things that affects the interests and needs of the behavior of customers. The purpose of this research is to know the influence of the quality of service, product quality, and profit sharing the results against the interest of saving the customer at BCA Bank

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Nasution (Universitas Singaperbangsa), Fery Darus, Ade Momon S (Universitas Singaperbangsa), and Risma Fitriani (Universitas Singaperbangsa). "PENENTUAN RUTE DISTRIBUSI PALLET MESH MENGGUNAKAN METODE SAVING MATRIX (STUDI KASUS : PT. MMM)." Jurnal Manajemen Industri dan Logistik 5, no. 1 (2021): 01–09. http://dx.doi.org/10.30988/jmil.v5i1.542.

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AbstractDistribution of products from the company's warehouse PT. MMM to consumers so far the company only uses estimates of consumers which will be passed in one shipment only by looking at the number of requests without considering the shipping routes and distance from the warehouse to the location of the consumer. This study aims to determine an effective shipping route using the saving matrix and nearest neighbor methods then find out distance savings and transportation cost savings. Comparison of the product distribution routes of PT. MMM after using the saving matrix method and the neare

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Laurent, Thierry, and Yannick L'Horty. "Taxation of Savings in Europe : a multi-product comparison." Revue d'économie financière (English ed.) 64, no. 4 (2001): 105–24. http://dx.doi.org/10.3406/ecofi.2001.4490.

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Dvořák, Lukáš, Kamil Fojtášek, and Petr Holiš. "Compressed Air Savings During Cooling and Cleaning of Product." EPJ Web of Conferences 180 (2018): 02022. http://dx.doi.org/10.1051/epjconf/201818002022.

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The paper deals with possibilities of reduction of compressed air consumption during cooling of drill bit and pressure cleaning of products. First part is focused on the experimental verification of the air consumption of the production machine. On the basis of the experiment in second part of paper the modifications of machine which are aimed to reduction of air consumption are proposed.

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Siddique, Zahed, and Bill Repphun. "Estimating Cost Savings when Implementing a Product Platform Approach." Concurrent Engineering 9, no. 4 (2001): 285–94. http://dx.doi.org/10.1177/1063293x0100900405.

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Khan, Ashfaque H., Lubna Hasan, and Afla Malik. "Dependency Ratio, Foreign Capital Inflows and the Rate of Savings in Pakistan." Pakistan Development Review 31, no. 4II (1992): 843–56. http://dx.doi.org/10.30541/v31i4iipp.843-856.

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National savings are critically important to help maintain a higher level of investment which is a key determinant of economic growth. Although savings rates have fallen in many developing countries during the last two decades, Pakistan presents a unique picture of experiencing high rates of economic growth along with very low savings rates. In fact, the national savings rate of Pakistan is not only low compared to that in many countries with per capita income about the same as Pakistan's but it is even lower to that in some South Asian countries with lower per capita income. Pakistan's econom

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Seraphin, Prao Yao, and Konan Yao Cesar. "Analysis of the Determinants of Domestic Savings in the WAEMU." International Journal of Business and Management 16, no. 9 (2021): 71. http://dx.doi.org/10.5539/ijbm.v16n9p71.

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This article analyses the determinants of domestic savings in the West African Economic and Monetary Union (WAEMU), except for Guinea-Bissau. Members of the WAEMU are Benin, Burkina Faso, C&ocirc;te d&rsquo;Ivoire, Guinea-Bissau, Mali, Niger, Senegal, and Togo. WAEMU member countries are working toward greater regional integration with unified external tariffs. The economic dynamism sought by each country could be beneficial to the mobilization of savings. Research into the determinants of savings is therefore of crucial importance for countries with a financing gap. The study covers t

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Afina, Melia Rifa, Dasmadi Dasmadi, and A. Fidhdiarr. "FAKTOR-FAKTOR YANG MEMPENGARUHI ANGGOTA DALAM MEMILIH JASA SIMPANAN TAHUN 2019 STUDI KASUS DI BMT TUMANG CABANG CEPOGO." EKOBIS : Jurnal Ilmu Manajemen dan Akuntansi 7, no. 2 (2020): 1–9. http://dx.doi.org/10.36596/ekobis.v7i2.249.

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The purpose of this study was to analyze the influence of sharia factors, promotion and product quality on member decisions in choosing savings services at BMT Tumang Cepogo Branch. This type of research based on its approach is quantitative research. This study uses a correlational design that is the relationship between the independent variables X1, X2 and X3 to the dependent variable Y. The population of this study is all members of the BMT Tumang Cepogo Branch. The sampling technique in this research is accidental sampling. The number of samples taken in this study were 100 respondents. Th

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Cholifah, Cholifah, and Agus Sukoco. "THE INFLUENCE OF SAVING PRODUCT ATTRIBUTES AND QUALITY OF SERVICE ON BANK CUSTOMER SATISFACTION." Jurnal Ekonomi 19, no. 2 (2019): 61–70. http://dx.doi.org/10.29138/je.v19i2.61.

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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

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HERADIO, RUBEN, DAVID FERNANDEZ-AMOROS, JOSE A. CERRADA, and ISMAEL ABAD. "A LITERATURE REVIEW ON FEATURE DIAGRAM PRODUCT COUNTING AND ITS USAGE IN SOFTWARE PRODUCT LINE ECONOMIC MODELS." International Journal of Software Engineering and Knowledge Engineering 23, no. 08 (2013): 1177–204. http://dx.doi.org/10.1142/s0218194013500368.

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In software product line engineering, feature diagrams are a popular means to represent the similarities and differences within a family of related systems. In addition, feature diagrams implicitly model valuable information that can be used in economic models to estimate the cost savings of a product line. In particular, this paper reviews existing proposals on computing the total number of products modeled with a feature diagram and, given a feature, the number of products that implement it. This paper also reviews the economic information that can be estimated when such numbers are known. T

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Vargha, Zsuzsanna. "From long-term savings to instant mortgages: financial demonstration and the role of interaction in markets." Organization 18, no. 2 (2011): 215–35. http://dx.doi.org/10.1177/1350508410392100.

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Accounts of the crisis have privileged ‘high finance’ innovations whereas retail banks constantly experimented with how they sell (new) products to consumers. I examine the case of product innovation at a home savings bank in Hungary during the pre-crisis credit boom. Turned from offering state-subsidized long-term savings-and-loans to promoting instant mortgages. Based on ethnographic observations of the bank’s Direct Selling Organization, I trace the bank’s shift from state-subsidized long-term savings-and-loans to instant mortgages, to problems with demonstrating the qualities of financial

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Melo, Eduardo Fraga Lima de, Sergio Luis Franklin Jr., and César Da Rocha Neves. "Mensuração do Risco de Sorteio em Títulos de Capitalização." Brazilian Review of Finance 10, no. 2 (2012): 197. http://dx.doi.org/10.12660/rbfin.v10n2.2012.3656.

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In this paper we present an approach for the assessment of raffle risk found in with-raffle savings account, a type of product offered by with-raffle savings societies. This risk can be defined as the possibility of losses due to the commitment to pay prizes above the expected value. It concerns the selling of the product to few investors and the uncertainty in the value paid by them, which is positively related to the prize the savings society must pay. Our results provide a simple valuation formula for practioners involved in this specific industry.

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Yoni, Nurma. "PENGARUH RELIGIUSITAS, KUALITAS PELAYANAN, KUALITAS PRODUK TERHADAP LOYALITAS NASABAH TABUNGAN PADA PT. BANK ACEH SYARIAH KANTOR CABANG PEMBANTU DARUSSALAM." Al - Muamalat: Jurnal Hukum dan Ekonomi Syariah 4, no. 2 (2019): 101–20. http://dx.doi.org/10.32505/muamalat.v4iii.1377.

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 The purpose of research is to know the influence of religiality, quality of service, quality of products to customer loyalty savings at PT. Bank Aceh Branch Helper Darussalam. Sample of this research as much as 100 customers using the formula Slovin with a sample technique is purposive sampling. The type of research used in this study is quantitative. The data used is the primary data obtained by using questionnaires. The results of this study showed that religiusity, quality of service, the product quality is the simultaneous effect on customer loyalty savings at PT. Bank Aceh Branch m

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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 (2021): 61–70. http://dx.doi.org/10.34308/eqien.v8i2.224.

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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

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