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Analysis of Procedures for Providing Working Capital Loans at the Head Office of PT. Bank Sulawesi Selatan & Sulawesi Barat Besse Sarifah; Haedar Akib; Herlina Sakawati
Public Resource Innovation Management and Excellence June 2025, Volume 2 Number 2
Publisher : Public Resource Innovation Management and Excellence

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Analysis of Procedures for Providing Working Capital Loans at the Head Office of PT. Bank Sulawesi Selatan & Sulawesi Barat This research and writing aims to identify and explain: 1) Know the procedures for granting working capital loans at the Head Office of PT. Bank Sulselbar, 2) Knowing the supporting and inhibiting factors for granting working capital loans at the Head Office of PT. Sulselbar Bank. To achieve this goal, researchers used data collection techniques through observation, interviews, and documentation. The data that has been obtained from the research results are processed using descriptive qualitative where descriptive qualitative research is a formulation of the problem that guides research to explore or photograph social situations which will be thoroughly, broadly and in-depth examined to find out the Analysis of Procedures for Granting Working Capital Loans at the Head Office of PT . South Sulawesi & West Sulawesi Banks. Informants of this study amounted to 4 people. The research results show that: (1) PT. Bank Sulselbar in providing Working Capital Loans (KMK) goes through several stages, such as the debtor preparing application files, KTP, KK, Business Legality Files then checking B.I checking then, doing On The Spot (OTS), after that the credit decision stage which contains approval there will be the provision of working capital credit according to the application submitted, then the credit disbursement stage is notifying the prospective debtor that the KMK application has received approval or a decision on the date of disbursement, preparing a letter of acknowledgment of debt, filling out the KMK receipt, and signing the KMK disbursement agreement. (2) The determinant factors that influence the provision of working capital loans are supporting factors consisting of third party funds and the influence of CAR on credit. The inhibiting factors are ignorance of the flow and procedures by prospective creditors.
The Effect of Corporate Social Responsibility on The Welfare of The Surrounding Community at PT. Vale Indonesia TBK Elsa Sartika; Herlina Sakawati; Muh. Rizal S
Public Resource Innovation Management and Excellence November 2025, Volume 2 Number 3
Publisher : Public Resource Innovation Management and Excellence

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This study examines the influence of corporate social responsibility on the welfare of the surrounding community at PT. Vale Indonesia Tbk. The purpose of this study was to determine of corporate social responsibility at PT. Vale Indonesia Tbk, to determine the level of welfare of the surrounding community at PT. Vale Indonesia Tbk, and to find out the influenceof corporate social responsibility on the welfare of the surrounding community at PT. Vale Indonesia Tbk. This research approach is quantitative. This research was conducted at PT. Vale Indonesia Tbk, namely Malili District, East Luwu Regency which is a sub-district area directly affected by the company's operations. The source of data in this research is the surrounding community at PT. Vale Indonesia Tbkfrom November to December 2023. The sample used was 100 people. Data collection techniques in the form of observation, questionnaires, and documentation. Data analysis techniques include validity test, reliability test, normality test, descriptive analysis, simple linear regression analysis, correlation coefficient analysis, and coefficient of determination analysis. The results of the study show that the indicators used for each of these variables indicate where of corporate social responsibility is in the very good category. Indicators on the community welfare variable are in the very good category. Based on the test of the determinant coefficient, the influence is very strong between the two variables. So it was concluded that the influence of corporate social responsibility on the welfare of the surrounding community at PT. Vale Indonesia Tbk is very strong.
The Effect of Marketing Mix on Purchasing Decisions at Pustaka Merah Hitam Bookstores in Makassar City Al-Munahar Bin Harris; Herlina Sakawati; Aris Baharuddin
Public Resource Innovation Management and Excellence February 2026 , Volume 3 Number 1
Publisher : Public Resource Innovation Management and Excellence

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The emergence of various kinds of competition in the business world encouragesbusiness actors to carry out good marketing strategies to ensure the survival of acompany. Marketing strategy is very important in the continuity of marketing activitiesand especially in carrying out a business activity which is a means to achieve a goal inbusiness activities. This study examines the influence of the marketing mix (marketingmix) on purchasing decisions at the red and black library bookstore in Makassar City.The purpose of this study was to describe and determine the influence of the marketingmix on purchasing decisions at the red and black bookstores in Makassar City. Thisresearch approach is quantitative. This research was conducted at the red and blacklibrary bookstore in Makassar City from January to February 2023. The sample used was 96 people. Data collection techniques in the form of observation, questionnaires, anddocumentation. Data analysis techniques include validity test, reliability test, normalitytest, descriptive analysis, simple linear regression analysis, correlation coefficient analysis, and coefficient of determination analysis. The results of the study show that the indicators used for each of these variables show that the description of the marketing mix variable is in the very good category. The description of the purchase decision variable is in the very good category. Based on the test of the determinant coefficient, the magnitude of the effect is very strong or very high between the two variables.