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Prediksi Financial Distress pada Perusahaan Credit Suisse Group AG Periode 2013-2022 Lidyana Syaputri; M Yusuf; Afrizawati M; Hendra Sastrawinata
Jurnal Terapan Ilmu Ekonomi, Manajemen dan Bisnis Vol. 4 No. 1 (2024): Jurnal Terapan Ilmu Ekonomi, Manajemen dan Bisnis April 2024
Publisher : Politeknik Negeri Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.11140399

Abstract

The purpose of this study is to find out if Credit Suisse Group AG companies experience financial distress or are healthy companies using the Grover (G-Score) method in the period 2013 – 2022. Credit Suisse companies are companies engaged in banking services. The type of data used as the focus of this research is quantitative which is based on the financial statements of Credit Suisse Group AG for the period 2013 to 2022. And the analysis variable used is the Grover method approach (G-Score). The results of the study can be concluded that the Credit Suisse Group AG company in the 2020-2022 period is in the category of an unhealthy company (Financial Distress) with the result of each negative Grover ratio, the G value is smaller than -0.02. The company will certainly experience financial problems or financial distress for the next few years, this is caused by the company's debt which continues to increase every year. And also the company's debt has exceeded the company's current assets so that the value of the company's working capital is at a negative value. For further research, it is recommended to add other financial distress method variables so that the research results are more accurate.
Pengaruh Harga dan Promosi terhadap Minat Membeli Produk Cicil Emas di PT Pegadaian Cabang Palembang Shabirah Mayzahra; M Yusuf; Andriansyah Bari
JURNAL RISET MANAJEMEN (JURMA) Vol 4 No 3 (2026): September: JURNAL RISET MANAJEMEN (JURMA)
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jurma.v4i3.4800

Abstract

Along with the increase in gold prices and the high need for alternative gold purchases in installments, there has also been an increase in public interest in gold investment. This condition causes competition between financial institutions in offering gold installment products, and requires PT Pegadaian to understand the factors that affect customer interest. This study uses a quantitative method with a descriptive approach. The respondents in this study amounted to 100 respondents who were determined by the Lemeshow formula with a simple random sampling technique. Data collection was carried out through a questionnaire with a likert scale. The data were analyzed by descriptive statistical analysis, instrument test, classical assumption test, and multiple linear regression analysis with the help of the SPSS program.  Based on the results of the simultaneous test, it is known that the significance value is < 0.001 where this value is less than 0.05, so that prices and promotions have a positive and significant effect on the interest in buying gold installment products. In addition, the partial test showed that the significance value for the Price variable was 0.003 < 0.05 with a tcal value of 3.092 > 1.96, and the significance value of the Promotion variable was 0.001 < 0.05 with a tcal value of 3.746 > 1.96. This means that partially, prices and promotions also affect the interest in buying gold installment products at PT Pegadaian Palembang Branch.
Pengaruh Work Life Balance dan Burnout Terhadap Kepuasan Kerja Karyawan Bank Syariah: The Effect of Work-Life Balance and Burnout on Employee Job Satisfaction in Islamic Banks Mellisya Aulia; M Yusuf; Andriansyah Bari
Jurnal Aplikasi Manajemen dan Bisnis Vol. 7 No. 1 (2026): Jurnal Aplikasi Manajemen dan Bisnis Oktober 2026
Publisher : Politeknik Negeri Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36257/jamb.v7i1.12341

Abstract

Penelitian ini dilakukan untuk mengkaji pengaruh work life balance dan burnout terhadap kepuasan kerja pegawai Bank Sumsel Babel Syariah Cabang Letkol Iskandar, baik secara parsial maupun simultan. Pendekatan yang digunakan adalah kuantitatif, dengan melibatkan 35 responden yang dipilih melalui teknik sampling jenuh. Data dikumpulkan melalui kuesioner berskala Likert serta studi pustaka, kemudian dianalisis menggunakan regresi linier berganda dengan bantuan SPSS 29, dilengkapi uji validitas, uji reliabilitas, uji asumsi klasik, uji t, uji F, dan koefisien determinasi (R2). Hasil uji t (parsial) menunjukkan bahwa work life balance tidak memberikan pengaruh signifikan terhadap kepuasan kerja pegawai (sig. 0.255 > 0.05), demikian pula burnout yang juga tidak berpengaruh signifikan terhadap kepuasan kerja pegawai (sig. 0.273 > 0.05). Akan tetapi, hasil uji F (simultan) memperlihatkan bahwa work life balance dan burnout secara bersama-sama berpengaruh positif dan signifikan terhadap kepuasan kerja pegawai (sig. 0.002 < 0.05), dengan kontribusi sebesar 33.3 persen (R2 = 0.333). Temuan ini mengindikasikan bahwa kedua variabel tersebut perlu dikelola secara terintegrasi oleh manajemen bank guna meningkatkan kepuasan kerja pegawai.
The Influence of Digital Service Quality and the Usefulness of the Jamsostek Mobile (JMO) Application on Participant Satisfaction M. Zidan Ziyadatullah; M Yusuf; Hendra Sastrawinata
Husnayain Business Review Vol. 6 No. 2 (2026)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia (ADPEBI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/hbr.v6i2.1955

Abstract

Purpose - This study aims to analyze the influence of digital service quality and the perceived usefulness of the Jamsostek Mobile (JMO) application on participant satisfaction at BPJS Ketenagakerjaan Palembang Branch Office. Methodology/approach - Purposive sampling was used in this study's quantitative methodology. One hundred respondents who regularly utilized the Jamsostek Mobile application were given questionnaires to complete in order to gather data. Multiple linear regression, partial hypothesis testing (t-test), simultaneous hypothesis testing (F-test), and coefficient of determination (R2) were used to analyze the gathered data using the Statistical Package for the Social Sciences (SPSS). Findings - The findings indicate that digital service quality has a positive and significant influence on participant satisfaction. Likewise, the perceived usefulness of the JMO application significantly affects participant satisfaction. Simultaneously, both independent variables significantly contribute to participant satisfaction. The study demonstrates that improving service reliability, responsiveness, system security, ease of use, and perceived usefulness can increase user satisfaction toward BPJS Ketenagakerjaan digital services. Novelty/value - This research provides empirical evidence regarding the implementation of digital public services within BPJS Ketenagakerjaan by integrating digital service quality and perceived usefulness into a single research model. Unlike previous studies that mainly focused on specific JMO features or claim services, this study evaluates the overall utilization of the JMO application in improving participant satisfaction at the Palembang Branch Office.