Nur Fatwa, Nur
SMK Negeri 1 Kedungwuni

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Analisis Beberapa Variabel Yang Mempengaruhi Keputusan Nasabah Dalam Memilih Produk Jasa Perbankan (Studi pada PT. Bank Internasional Indonesia Tbk, Cabang Makassar) Fatwa, Nur; Burhanuddin, Chairul Ihsan
Jurnal Administrasi Negara Vol 20 No 1 (2014): Jurnal Administrasi Negara
Publisher : Jurnal Administrasi Negara STIA LAN Makassar

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Abstract

Abstrak : Perbankan mempunyai peranan yang penting dalam perekonomian seiring dengan fungsinya untuk menyalurkan dana dari pihak yang mempunyai kelebihan dana kepada pihak-pihak yang membutuhkan dana. Apabila sistem keuangan tidak bekerja dengan baik, maka perekonomian menjadi tidak efisien dan pertumbuhan ekonomi yang diharapkan tidak akan tercapai. Penelitian ini bertujuan untuk menganalisis variabel paling dominan dan pengaruh variabel kualitas pelayanan, kemudahan fasilitas, produk, biaya, brand image, bunga dan kelengkapan, terhadap keputusan nasabah dalam memilih produk jasa perbankan di PT. Bank Internasional Indonesia Tbk, cabang Makassar. Metode yang digunakan dalam penelitian adalah asosiatif dengan melakukan survai terhadap seratus delapan puluh satu nasabah yang terdiri dari nasabah yang memilih menutup dan membuka rekening di PT. Bank Internasional Indonesia Tbk, cabang Makassar. Hasil dari penelitian ini menunjukkan bahwa faktor-faktor seperti kualitas pelayanan, kemudahan fasilitas, produk, biaya, bunga dan kelengkapan, berpengaruh signifikan terhadap keputusan nasabah dalam memilih produk jasa perbankan di PT. Bank Internasional Indonesia Tbk, cabang Makassar. Adapun faktor yang paling dominan adalah kualitas pelayanan.Kata kunci : Kualitas pelayanan, Produk jasa perbankan, Keputusan nasabah. Abstract : Banking has an important role in the economy along with the  function to channel funds from parties who have excess funds to the parties that need funds. If the financial system is not working properly, then the economy becomes inefficient and the expected economic growth will not be achieved. This study aims to analyze the most dominant variables and variables influence the  quality of service, ease of facilities, products, pricing, brand image, interest  and premium, against a decision in choosing products customers of banking services  at PT. Bank Internasional Indonesia Tbk, a branch of Makassar. The method of this research is a field survey by interviewing one hundred and eighty-one customers that consists of customers who has chosen to close and open accounts at Bank Internasional Indonesia Tbk, Branch of Makassar. The result of this study indicates that factors such as quality of services, ease of facilities, products, costs, interest and premium, has significantly influenced customers’ decisions in choosing a banking service product at PT. Bank Internasional Indonesia Tbk, Makassar branch. While, the most dominant factor is the quality  of services.Keywords : Service quality, Bank service product, Customer’s decision.
Peningkatan Kompetensi Materi Fluida Statis Melalui Model Pembelajaran Eksperimen Inkuiri Terbimbing Pada Peserta Didik Kelas X TPEM 2 SMK Negeri 1 Kedungwuni Kabupaten Pekalongan Semester Genap Tahun Pelajaran 2014/2015 Fatwa, Nur
widiyanto Vol 2, No 1 (2016): JPK, Jurnal Profesi Keguruan
Publisher : widiyanto

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Abstract

The problem of this research was how the students’ active participation and competence static fluid material for the students of class X TPEM 2 SMK Negeri 1 Kedungwuni Kabupaten Pekalongan in the second semester  academic year 2014/2015 using the guided inquiry experiment learning  model. This research was carried out in two cycles, each cycle was conducted in three meetings. The research shows that the students’ competence increased from 72,59 in cycle I to 85,22 in cycle II. It also proves that the students’ active participation improved.within the two cycles.Masalah dalam penelitian ini adalah bagaimana peningkatan keaktifan dan kompetensi materi fluida statis bagi peserta didik kelas X TPEM 2 SMK Negeri 1 Kedungwuni Kabupaten Pekalongan pada semester genap tahun pelajaran 2014/2015 melalui model pembelajaran eksperimen inkuiri terbimbing. Penelitian ini dilaksanakan dua siklus, tiap siklus tiga kali pertemuan. Terjadi peningkatan rata – rata kompetensi fluida statis dari 72,59 pada siklus I menjadi 85,22 pada siklus II. Keaktifan belajar peserta didik dari siklus I ke siklus II juga meningkat.
Peningkatan Kompetensi Materi Fluida Statis Melalui Model Pembelajaran Eksperimen Inkuiri Terbimbing Pada Peserta Didik Kelas X TPEM 2 SMK Negeri 1 Kedungwuni Kabupaten Pekalongan Semester Genap Tahun Pelajaran 2014/2015 Fatwa, Nur
Jurnal Profesi Keguruan Vol 1, No 1 (2015): Jurnal Profesi Keguruan
Publisher : LP3 Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.7290/jpk.v2i1.10209

Abstract

The problem of this research was how the students active participation and competence static fluid material for the students of class X TPEM 2 SMK Negeri 1 Kedungwuni Kabupaten Pekalongan in the second semester academic year 2014/2015 using the guided inquiry experiment learning model. This research was carried out in two cycles, each cycle was conducted in three meetings. The research shows that the students competence increased from 72,59 in cycle I to 85,22 in cycle II. It also proves that the students active participation improved.within the two cycles.
PERSAINGAN PERBANKAN BERDASARKAN JENIS BANK DI INDONESIA Fatwa, Nur
AKMEN Jurnal Ilmiah Vol 14 No 4 (2017): AKMEN Jurnal Ilmiah
Publisher : AKMEN Jurnal Ilmiah

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Abstract

This study employs census samples of 106 conventional banks actively operating activities of banking business in Indonesia. In this research use sample size 72 based on bank type. The method implemented in this study is a quantitative approach by applying secondary data taken from Monetary Authority and Financial Services Authority.  In order to discover the banking industry competition in Indonesia.  The data analysis in this study uses pool data which combine time series and cross sectional known as panel data. The result of the research shows that the market share of deposit of state-owned banks, private national banks of foreign exchange, national private non-foreign exchange banks, regional development banks, mixed banks, foreign banks have a significant positive effect on return on assets. The results of the tests show that market share of loan of state-owned banks, national private foreign exchange banks, national private non-foreign exchange banks, regional development banks, mixed banks, foreign banks have no effect on return on assets.
PENGARUH DANA PIHAK KETIGA, BIAYA OPERASIONAL, DAN NON PERFORMING LOAN TERHADAP LABA BERSIH BANK UMUM SWASTA NASIONAL DEVISA PADA BANK INDONESIA Burhanuddin, Chairul Ihsan; Fatwa, Nur
Jurnal BISNIS & KEWIRAUSAHAAN Vol 4 No 1 (2015): Jurnal BISNIS & KEWIRAUSAHAAN
Publisher : Jurnal BISNIS & KEWIRAUSAHAAN

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Abstract

This study aims to identify and analyze Effect of Third Party Fund, Operating Costs, and Non Performing Loans to Net Income Foreign Exchange Bank BUSN at Bank Indonesia either simultaneously or partially. This study uses secondary data from the Indonesian banking statistics published in the website of Bank Indonesia (BI). This research was conducted using a sample firms that fall into the category of the National Private Commercial Bank Foreign Exchange with the observation period of 2011 - 2013 There were 43 companies listed in the category of Private Banks National Foreign Exchange but only 36 companies that meet the criteria of this study sample. Multiple linear regression analysis method is used to test the hypothesis. The results of this study are the Third Party Fund has a negative and significant effect on Net Income. Operational costs have a positive and significant impact on Net Income. And non performing loans has a negative but insignificant effect on Net Income. These results indicate that the management of third party funds, operating expenses, and non-performing loans must be done optimally by considering the risks as well as the portion of the distribution and acceptance in order to achieve the desired net income.
PERSAINGAN PERBANKAN BERDASARKAN JENIS BANK DI INDONESIA Fatwa, Nur
AkMen JURNAL ILMIAH Vol 14 No 4 (2017): AkMen JURNAL ILMIAH
Publisher : Lembaga Penelitian dan Publikasi Nobel Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (543.168 KB)

Abstract

This study employs census samples of 106 conventional banks actively operating activities of banking business in Indonesia. In this research use sample size 72 based on bank type. The method implemented in this study is a quantitative approach by applying secondary data taken from Monetary Authority and Financial Services Authority.  In order to discover the banking industry competition in Indonesia.  The data analysis in this study uses pool data which combine time series and cross sectional known as panel data. The result of the research shows that the market share of deposit of state-owned banks, private national banks of foreign exchange, national private non-foreign exchange banks, regional development banks, mixed banks, foreign banks have a significant positive effect on return on assets. The results of the tests show that market share of loan of state-owned banks, national private foreign exchange banks, national private non-foreign exchange banks, regional development banks, mixed banks, foreign banks have no effect on return on assets.
PENGARUH DANA PIHAK KETIGA, BIAYA OPERASIONAL, DAN NON PERFORMING LOAN TERHADAP LABA BERSIH BANK UMUM SWASTA NASIONAL DEVISA PADA BANK INDONESIA Burhanuddin, Chairul Ihsan; Fatwa, Nur
Jurnal BISNIS & KEWIRAUSAHAAN Vol 4 No 1 (2015): Jurnal BISNIS & KEWIRAUSAHAAN
Publisher : Jurnal BISNIS & KEWIRAUSAHAAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (157.672 KB)

Abstract

This study aims to identify and analyze Effect of Third Party Fund, Operating Costs, and Non Performing Loans to Net Income Foreign Exchange Bank BUSN at Bank Indonesia either simultaneously or partially. This study uses secondary data from the Indonesian banking statistics published in the website of Bank Indonesia (BI). This research was conducted using a sample firms that fall into the category of the National Private Commercial Bank Foreign Exchange with the observation period of 2011 - 2013 There were 43 companies listed in the category of Private Banks National Foreign Exchange but only 36 companies that meet the criteria of this study sample. Multiple linear regression analysis method is used to test the hypothesis. The results of this study are the Third Party Fund has a negative and significant effect on Net Income. Operational costs have a positive and significant impact on Net Income. And non performing loans has a negative but insignificant effect on Net Income. These results indicate that the management of third party funds, operating expenses, and non-performing loans must be done optimally by considering the risks as well as the portion of the distribution and acceptance in order to achieve the desired net income.