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haeruddin
Politeknik LP3I Makassar
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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EVALUATION OF THE IMPACT OF WORKING CAPITAL CREDIT AND PEOPLE'S BUSINESS CREDIT ON BANK PROFITABILITY: EMPIRICAL STUDY AT PT. BANK NEGARA INDONESIA (PERSERO) TBK BULUKUMBA BRANCH haeruddin; Ibrahim Ibrahim; Rahmi Rahmi; Hisnol Jamali
JPIM (Jurnal Penelitian Ilmu Manajemen) Vol. 9 No. 2 (2024): JPIM (Jurnal Penelitian Ilmu Manajemen)
Publisher : Universitas Islam Lamongan

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This research aims to analyze the influence of Working Capital Credit and People's Business Credit (KUR) on company profitability at PT. Bank Negara Indonesia (Persero) Tbk, Bulukumba Branch Office. This study uses secondary data obtained from banks' annual financial reports for the 2017-2021 period. The analysis was carried out using multiple linear regression to test the partial and simultaneous influence of the two types of credit on profitability. The research results show that Working Capital Credit has a significant influence on bank profitability, which is in line with the theory that this credit provides the liquidity needed for operations and increases interest income. In addition, KUR also shows a significant influence on bank profitability, which supports the importance of this credit in expanding financial inclusion and increasing the customer base. Simultaneously, the combination of Working Capital Credit and KUR makes a significant contribution to profitability, which shows the importance of credit portfolio diversification in improving bank financial performance. The uniqueness of this research is its focus on the simultaneous influence of Working Capital Credit and KUR on bank profitability, which is rarely analyzed in previous studies. Additionally, this research was conducted in the context of regional banks, which provides a new perspective on credit management and profitability outside of large or national banks. These findings provide an important contribution to the literature on credit management and bank financial performance, as well as providing practical guidance for bank management in optimizing credit strategies to increase profitability. This research also provides insight for future researchers to develop further studies that can explore other variables that influence bank profitability and can enrich understanding of the dynamics of credit management in the banking sector.
THE INFLUENCE OF CONSUMER CREDIT AND INVESTMENT ON BANKING PROFITABILITY: CASE STUDY OF PT. BANK NEGARA INDONESIA (PERSERO) TBK MAMUJU BRANCH haeruddin; Erni Salijah
JPIM (Jurnal Penelitian Ilmu Manajemen) Vol. 9 No. 2 (2024): JPIM (Jurnal Penelitian Ilmu Manajemen)
Publisher : Universitas Islam Lamongan

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This study aims to evaluate the partial influence of consumer credit and investment credit on profitability and the simultaneous influence of consumer credit and investment credit on profitability. This research uses a quantitative descriptive approach using quantitative data sourced from secondary data, namely the financial reports of PT. Bank BNI Mamuju Branch. The analysis used to test the hypothesis uses multiple linear regression analysis with the T test and F test. The findings from this study are that partially consumer credit has a positive effect on profitability and investment credit has a positive effect on profitability. Meanwhile, in simultaneous testing, the results showed that consumer credit and investment credit together had a significant effect on profitability.
THE EFFECT OF EDUCATION, TRAINING AND MOTIVATION ON EMPLOYEE PERFORMANCE : A STUDY AT THE RAPPOCINI SUB-DISTRICT OFFICE IN MAKASSAR CITY Ibrahim Ahmad; Taufik Tahir; Haeruddin; Mariati; MUhammad Dakhri
JPIM (Jurnal Penelitian Ilmu Manajemen) Vol. 9 No. 3 (2024): JPIM (Jurnal Penelitian Ilmu Manajemen)
Publisher : Universitas Islam Lamongan

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This study aims to analyze the influence of education, training, and motivation on employee performance at the Rappocini District Office, by involving 89 employees as a sample. The uniqueness of this study lies in its deep focus on the specific context in the Rappocini District Office, so that the results can provide more relevant insights for management in the government sector. The results of the study show that partially, education has a positive and significant effect on employee performance, where employees with higher education tend to have better performance. Training also has a positive and significant effect, helping employees improve the skills and knowledge needed to carry out their duties. However, motivation shows a negative but significant influence on employee performance, indicating that excessive motivation can lead to pressures that reduce performance. Simultaneously, these three variables have a positive and significant influence on employee performance, demonstrating the importance of a holistic approach in employee development to improve overall performance. The managerial implications of this study emphasize the need to develop structured training programs and better assessment of motivational factors, in order to create a more productive and supportive work environment.
Co-Authors Erni Salijah Hisnol Jamali Ibrahim Ahmad Ibrahim Ibrahim Mariati MUhammad Dakhri Rahmi Rahmi Taufik Tahir