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All Journal Abdi Dosen : Jurnal Pengabdian Pada Masyarakat Journal of Mathematics Instruction, Social Research and Opinion
Pramaitha, Dewa Ayu Utari
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Religion Humanities Education Languange, Linguistic, Communication & Media Mathematics Public Health Social Sciences

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KEBIJAKAN KERINGANAN KREDIT BAGI NASABAH LPD DESA ADAT KESIMAN PADA MASA PANDEMI COVID-19 Pramaitha, Dewa Ayu Utari; Ariana, I Komang Agus
Abdi Dosen : Jurnal Pengabdian Pada Masyarakat Vol. 5 No. 4 (2021): DESEMBER
Publisher : LPPM Univ. Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (697.716 KB) | DOI: 10.32832/abdidos.v5i4.941

Abstract

The Covid-19 pandemic has had a huge economic, social and political impact on all countries in the world. Indonesia is one of the most affected countries, especially on the economic side. During the Covid-19 pandemic, the decline in community activities was felt. This is currently happening to one of the LPDs in Bali, namely the Kesiman Traditional Village LPD. During the Covid-19 pandemic, the Kesiman Traditional Village LPD experienced a decline in savings and deposits which resulted in decreased credit distribution and was hampered. Due to the Covid-19 pandemic, many people have experienced layoffs (Termination of Employment) and lost their income so that they cannot set aside their income for savings and cannot even pay their credit. Therefore, the banking world, including the LPD, has issued a policy in providing credit relief to its customers during the Covid-19 pandemic, one of which is the Kesiman Traditional Village LPD. The solution that can be given to problems that occur at the research location is based on a circular announcement regarding loan installment payments for debtors affected by Covid-19, the Kesiman Traditional Village LPD can (if needed) provide policies to debtor customers in the form of credit restructuring. The existence of credit restructuring is an improvement effort carried out in credit activities for debtors who have difficulty fulfilling their credit installment payment obligations. Keyword : Covid-19 pandemic, credit relief, LPD Kesiman Traditional Village
The Influence of Communication, Individual Characteristics, and Work Environment on Employee Performance at Bank Tabungan Negara Denpasar Branch Office Pramaitha, Dewa Ayu Utari; Suwena, Kadek Rai; Irwansyah , Rudi
Journal of Mathematics Instruction, Social Research and Opinion Vol. 5 No. 1 (2026): March
Publisher : MASI Mandiri Edukasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58421/misro.v5i1.1083

Abstract

This study examines the influence of communication, individual characteristics, and the work environment on employee performance at Bank Tabungan Negara Denpasar Branch Office. The research aims to identify how each of these variables affects employee performance both partially and simultaneously. The population consisted of 128 employees, and a saturated sampling (total sampling) technique was applied, meaning all employees were included as the research sample. Data were collected through questionnaires and documentation, and analyzed using multiple linear regression with SPSS. The results show that communication (β = 0.275), individual characteristics (β = 0.510), and work environment (β = 0.190) each have a positive and significant effect on employee performance. The constant value obtained was 6.873. Simultaneously, all three independent variables also have a positive and significant influence on employee performance. Among the variables, individual characteristics have the strongest effect.
Co-Authors Agus Ariana, I Komang I Kadek Rai Suwena Irwansyah , Rudi