Nur Ida Iriani
Management, Faculty of Economics, University of Tribhuwana Tunggadewi, Malang, Indonesia

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The Effect of Credit Risk, Liquidity Risk, And Market Risk on Financial Performance In Banking Companies Listed on The Indonesia Stock Exchange Apolonia Nurmida De Arfa; Nur Ida Iriani; Imam Hidayat
International Journal of Management and Business Vol. 3 No. 3 (2026): July
Publisher : International Research & Development for Human Beings (IRDH)

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Market risk is represented by the Net Interest Margin (NIM), where fluctuations in NIM can affect a bank’s net interest income and, in turn, its overall financial performance. This study examines the effects of credit risk, liquidity risk, and market risk on the financial performance of banks listed on the Indonesia Stock Exchange (IDX). A quantitative approach is employed using  secondary data derived from the annual financial statements of selected banks. The sample is determined through purposive sampling based on predefined criteria. Data are analyzed using multiple linear regression with the support of statistical software. The findings indicate that credit risk negatively affects financial performance, as higher credit risk reduces corporate outcomes. In contrast, liquidity risk positively influences financial performance, with increased liquidity risk associated with improved financial results. Market risk, however, exerts a negative impact, meaning that greater market risk leads to weaker corporate performance. Furthermore, hypothesis testing confirms that credit risk, liquidity risk, and market risk collectively have a significant effect on financial performance, underscoring the importance of comprehensive risk management in sustaining stability and long-term performance.
Analysis of The Compensation System in Efforts to Increase Work Motivation at CV Wewe Travel, Malang City Maria Sariyanti Hale; Yuni Setyawati; Imam Hidayat; Nur Ida Iriani
International Journal of Management and Business Vol. 3 No. 3 (2026): July
Publisher : International Research & Development for Human Beings (IRDH)

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Effective human resource management through recruitment, training, develop-ment, and performance evaluation, has been shown to significantly enhance organization-al outcomes. This study aims to analyze the compensation system implemented at CV Wewe Travel in Malang City and to examine its impact on employee work motivation. The research was conducted at CV Wewe Travel, Malang, Indonesia. It conducted from January 22 to February 22, 2026. This study employed a qualitative research approach. The research at CV Wewe Travel, Malang City, demonstrates that the company’s com-pensation system comprising basic salary, incentives, bonuses, routine wage payments, and work facilities—functions flexibly to accommodate the operational characteristics of the transportation service business. While certain divisions, such as Customer Service, do not fully meet Regional Minimum Wage standards, timely wage payments and perfor-mance-based incentives reflect the company’s commitment to employee rights and productivity. The integration of financial and non-financial rewards, including recognition and provision of work facilities, has a significant positive impact on employee motivation. By fostering both extrinsic and intrinsic drivers of performance, the compensation system effectively supports responsibility, achievement, and overall organizational sustainability.
The Effect of Digital Advertising on Consumer Purchase Intention through Brand Awareness as a Mediating Variable at CV. Tuffero Patisserie, Malang City Paskalis Puput; Anung Prasetyo Nugroho; Cakti Indra Gunawan; Nur Ida Iriani
International Journal of Management and Business Vol. 3 No. 3 (2026): July
Publisher : International Research & Development for Human Beings (IRDH)

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Digital transformation has shifted marketing strategies towards the use of more measurable and targeted internet-based advertising. This study aims to analyze the effect of Digital Advertising on Purchase Intention with Brand Awareness as a mediating variable at CV. Tuffero Patisserie in Malang City, Indonesia. The urgency of the research is based on the increasing internet penetration and e-commerce activities in Indonesia according to the Central Bureau of Statistics, which encourages SMEs to optimize digital marketing strategies empirically and measurably. The study used a quantitative approach with an explanatory design. The sample consisted of 90 respondents selected through purposive sampling. Data were collected using a five-point Likert scale questionnaire and analyzed using Partial Least Squares-based Structural Equation Modeling (PLS-SEM) using SmartPLS 4.0, through outer and inner model testing and bootstrapping at a 5% significance level. The results show that Digital Advertising has a positive and significant effect on Brand Awareness and Purchase Intention. Brand Awareness also has a positive and significant effect on Purchase Intention and partially mediates the relationship between Digital Advertising and Purchase Intention. These findings confirm that the effectiveness of digital advertising not only increases purchase intention directly, but also through strengthening brand awareness. Theoretically, this research enriches the literature on SME digital marketing, and practically provides a strategic basis for optimizing more effective and measurable digital advertising campaigns.