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Journal : JURNAL MANAJEMEN

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; Jamali, Hisnol
JPIM (Jurnal Penelitian Ilmu Manajemen) Vol 9 No 2 (2024): JPIM (JURNAL PENELITIAN ILMU MANAJEMEN)
Publisher : Universitas Islam Lamongan

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Abstract

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; Salijah, Erni
JPIM (Jurnal Penelitian Ilmu Manajemen) Vol 9 No 2 (2024): JPIM (JURNAL PENELITIAN ILMU MANAJEMEN)
Publisher : Universitas Islam Lamongan

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Abstract

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 Ahmad, Ibrahim; 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 A. Rizki Amelia AA Sudharmawan, AA Abdul Nashar Abdul Rahman Abdul Rahman Sakka Abdullah Fikri Adnan Abraham Afrianti S. Lamuru Agus Riyadi Ahmad Arief Ahmad, Mirna Ahri, Reza Aril Aigistina, Aigistina AKHMAD Akhyar, Ramaulvi Muhammad Al Mudassir, Khusnul Khatimah Alexsandro Alfina Baharuddin Alkamalia, Wa Ode Alma Amelia, Andi Rizki Amir, Fitriah Amir, Haeril Andi Darmawansyah Andi Muh. Taqiyuddin BN Andi Multazam Andi Nurlinda Andi Rizki Amelia Andi Rustandi Andi Tenri Agung Andira Nurqalbi Anggraini Ryzky Diah Anin, Tince Yunarwati Annisa Anwar Aqilah Nurulwaqhia Arif Rahman Arifin, Nurbaeti Aripradono, Heru Wijayanto Arni Rizqiani Rusydi Asriati Auliasari, Putrysuci Awaluddin AYU LESTARI Azainil Azainil Bariun , La Ode Baso, Budiman Besse Wahyuni Cahyana Mandasari Chairun Annisa Aryanti Chandra Wijaya, Kevin Darmansyah Darsikin Dayu Triana Paramita Deswalita, Aisyah Fitri Devi Dwi Pebriani Dewi Rizki Ramadhaningrum Dhea Maharani Ella Andayanie Elpisah, Eka Apriyanti Elvis Endah Wahyunuing Asih Eril, Eril Fachrin, Suharni a. Fadly Fajrin, Kurniawati Fatmah Afrianty Gobel Fatmawati Fatmawati Fitri Suci Rahmadani Fitriah Amir Fratiwi, A. Fira Friska Amelia Arale Gautama Gautama Wijaya Gunawan Gunawan, Inra H. Abdul Hafid Hamini Hamzah, Wardiah Hardianto, Ulvab Harpiana Rahman Hartia Ningsih, Sri Mutmainna Haryaka, Usfandi Hasaruddin Hasiah, Khusnul Hidayani, Sri Husnul Hotimah Husnul Hotimah, Husnul Ibrahim Ibrahim Ahmad Ibrahim Ahmad Ibrahim Baso, Andi Hadi Ibrahim Ibrahim Idhar Darlis Idris Saputra Idris, Fairus Prihatin Idris, Musfira Ielda Paramita Ika Fatmawati S Ikhram Hardi S Ilham Azis Ilham Ramadhan Imhar AR. Nailu Iqbal AR Iru, Wa Ode Sarmine Irwanti Said Jamali, Hisnol Jumiyati, Sri Junainah Juraid Abdul Latief Jusalim Sammak Juweni Kukuh Prakoso, Kukuh Kurnia Cantra Kurniawati Fajrin Kusmiati, Tati Kusumaningrat La Harimu La Harimu La Ode Adi Parman Rudia Laili Komariyah, Laili Lau, Wilsen Levia, Yayang Liskha Ayuningrum Madinatul Munawwara Mahirullah Mahmuddin Mahmuddin Mandasari, Eka Cahyana Maria Yosephine Simbolon Mariati Marliyah Masriadi Maulidiyah, Arum Memed Khumaedi Mirna Ahmad Mohammad Jamhari Muh. Multazam Muhammad Anshar Muhammad Ayyub Amin MUhammad Dakhri Muhammad Ikhtiar Muhammad Jarnawi Muhammad Ramli Muhammad Said, Nurhidayat Muhammad Taufik Mulyana, Wa Ode MUNIRA Muzdalipafah Sahib Nada Shofa Najwa, Siti Halimah Nashar , Abdul Nashar, Abdul Nawir, Burhanuddin Nihan Kristiyani Nimatul Mamuriyah Noorbaya Siti Nur Aziza Ramadani Nur Helminah Nur Iman Rudinah, Mahesa Nurbaeti Nurbaety Nurfadillah Nurfardiansyah Burhanuddin Nurgahayu Nurhayati Nurhayati Nurhikma Nurjannah Nurlansi Nurmiati Muchlis Paridah Pebriani, Devi Dwi Pertiwi Desi Prasetyo, Stefanus Eko Putri Samri Qhumairah, Alvira Rafia Rahman Hasima Rahmatullah Rahmi Rahmi Rasyidin Abdullah Ratnaningtiyas, Deltha Wati Isti Reza Aril Ahri Richard Riky Ristanto Gari Sabariman Sabariman Sahib, Muzdalipah Sahidin, La Ode Salijah, Erni Samsidar Jamaluddin Samsualam, Samsualam Saputra, Galih Yudha Sari, Anisa Permata Satkar Umara Septiyanti Shadri Muliadi, Miftah Nurindah Siti Nurjannah Sitti Fatimah Sitti Halijah Sitti Patimah Sofya A. Rasyid Solly Aryza Sopiyan Sri Wahyuni Basoka St. Jawiah Stefanus Eko Prasetyoi Sudarman, Dirman Sudirman supahar Sutrisnaniati, Eli Syahrir, Romeo Syaiful Bachri Syamsuriwal Taufik Tahir Theodora, Novieta Christina Toding, Sukanto Vivin Elfitriyah H.S WA ODE ASRI YANTI Wa Ode Mulyana Wa Ode Samine Iru Wahyuni, Andi Indri Wahyuni, Ni Gusti Ayu Putu Eka Sri Werdhina, I Komang Widiayati Widyatmike Gede Mulawarman WINDA Yahya, Masrur Yulianto, Andik Yuliati Yuliaty Yunita, Elisa Yusuf, Rezky Aulia Zuhdan Kun Prasetyo Zuhriah