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PENILAIAN TINGKAT KESEHATAN BANK UMUM SYARIAH DEVISA MENGGUNAKAN METODE RISK BASED BANK RATING (RBBR) PERIODE 2014-2016 Eska Prima Monique; Andriani Prawitasari
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 6 No 2 (2018)
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1316.909 KB) | DOI: 10.37676/ekombis.v6i2.610

Abstract

Banks face problems in determining business strategy in managing their business. this business strategy will then be used as the foundation and framework to realize the work goals that have been determined by management. In the past ten years, sharia banking has grown rapidly, especially since the issuance of statute no. 10 of 1998. This research uses three risk assessment method (Risk Based Bank Rating), which are risk profile aspect (NPL, LDR), earning ratio (ROA, NIM), and capital adequacy (CAR). As for the aspects of good corporate governance (GCG), it is not used because it requires primary data concerning bank secrecy. The sample population in this study is sharia foreign exchange bank. while the sampling method used purposive sampling (i.e. taking samples with certain criteria). The population for foreign exchange banks is 35, but this study only uses 5 sharia banks (based on predetermined criteria). Based on the results of this study the entire sample of Sharia Banking Foreign Exchange shows the results of CAR performance with a very healthy predicate. Although in 2015 the performance of Non Performing Loan (NPL) had decreased, but in 2016 all Sharia Foreign Exchange Banks were able to improve NPL performance to below 5% (healthy performance predicate). In 2014-2016, there are 4 out of 5 Sharia Foreign Currency Bankers performing Loan To Deposit Ratio (LDR) with a fairly healthy predicate (LDR is between 85% and 100%). Net Interest Margin (NIM) performance of all samples of Foreign Exchange Sharia Banking in 2014-2016 tends to be very healthy (NIM> 3%). So it can be said that the company is able to profit from interest income. During 2014-2016 the Return on Asset (ROA) performance of the Sharia Banking Foreign Exchange (ROA) sample also tended to increase, if in the previous two years (2014 and 2015) only 2 out of 5 sample banks have ROA above 1.25% then in 2016 there 3 out of 5 sample banks are able to achieve ROA performance even above 1.5% (very healthy predicate)
The Influence of Compensation and Work Experience on the Performance of ASN Employees at Satpol PP and Firefighters in South Bengkulu Regency Tanti Harlena; Eska Prima Monique; Siti Hanila
Jurnal Multidisiplin Dehasen (MUDE) Vol 2 No 1 (2023): Januari
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/mude.v2i1.3600

Abstract

In a governance organization require the quality of human being as labour yielding result of optimal job as according to its job goals. Target of this research To prove Compensation and Job Experience have an effect on to performance officer of ASN in Satpol PP and of Damkar Sub-Province of Bengkulu South.Sampel of part of population as for in this research is entire/all Officer of ASN in Satpol PP and of Damkar Bengkulu south. Researcher take sampel by accidental sampling chosen some one who is assumed can deputize the the population which amount to 42 people officer of ASN. Result of Analysis linear regression of bergaanda the is Equation : Y = 15,435 + 0,464 X1 + 0,176 X2+E, this matter depict direction of regresi which are positive, its meaning of compensation variable ( X1) and Job experience ( X2) there are positive influence to Performance officer ( Y) [in] Satpol PP and of damkar Sub-Province of Bengkulu South.Level of coefficient value of determinasi from result of enumeration by using SPSS can know by coefficient value of determinasi of R square equal to0,570. Matter this means that compensation value ( X1) and job experience value ( X2) have an effect on to officer performance ( Y) equal to 57,0% while the rest 43,0 % influenced by other variable which do not check in research. Result of test of t level of signifikansi 0,05 explaining that by partial job experience and compensation have influence which is signifikan to Performance officer in PP satpol and of Damkar Sub-Province of Bengkulu South. Result of test of f at level of signifikansi 0,05 explaining that compensation , and job experience have influence by simultan signifikan to Performance officer at Satpol PP and of Damkar Sub-Province of Bengkulu South..
The Factors Affecting Customer Loyalty At Conter Ervin Cell Bengkulu Selatan Akbar Ilahi; Nia Indriasari; Eska Prima Monique
Journal of Indonesian Management (JIM) Vol. 3 No. 1 (2023): March
Publisher : Penerbit ADM Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/jim.v3i1.1138

Abstract

Counter Ervin Cell Bengkulu Selatan is a shop that is engaged in selling Smartphones, selling cards and credits for all operators and serving Hardware, Software and Smartphone Accessories services "and is one of the businesses that prioritizes service to its customers.This type of research uses quantitative research. The method of analysis in this study uses Validity test, Reality test, Calsik Assumption Test, Multiple Linear Regression Analysis, Coefficient of Determination and hypothesis testing using t test. The number of samples studied was 96 96 questionnaires to buyers of goods at the Ervin cell counter.The results of the multiple linear regression analysis are Y = 7.639 + 0.265 X1 + 0.351 X2 + 0.232 X3, this describes a positive regression direction, meaning that the variables of customer quality (X1) and service quality (X2) and product quality (X3) have a positive influence. on customer loyalty (Y) at the Ervin cell Manna Bengkulu Selatan counter. The value of the coefficient of determination from the results of calculations using SPSS can be seen that the value of the coefficient of determination from R square is 0.617. This means that the value of customer quality (X1) and the value of service quality (X2) and product quality (X3) affect customer loyalty (Y) by 61.7% while the remaining 29.3% is influenced by other variables not examined in the study this.