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The Effect of Credit Risk and Liquidity Risk on Bank Stability Dwinanda, Ibnu Zakaria; Sulistyowati, Chorry
Jurnal Ilmu Ekonomi Terapan Vol. 6 No. 2 (2021)
Publisher : Department of Economics, Faculty of Economics and Business, Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jiet.v6i2.31144

Abstract

The purpose of this study is to determine the effect of credit risk and liquidity risk on bank stability. This study used the multiple regression analysis to determine the effect of credit risk and liquidity risk as the independent variables, with BOPO (Biaya Operasional Pendapatan Operasional), GDP (Gross Domestic Bruto), BI Rate as the control variables, on Bank Stability as the dependent variable. Using purposive sampling method to collected data from the list of banking companies in OJK (Otoritas Jasa Keuangan) from 2013 to 2017 consisting of 437 observations. The estimated results show that credit risk has a significant negative effect on bank stability, and liquidity risk has a significant negative effect on bank stability. Whereas in the control variable, GDP does not affect bank stability, BOPO has a significant negative effect on bank stability, and the BI-Rate does not affect bank stability.  Keywords: Credit Risk, Liquidity Risk, Bank Stability
The Effect of Environmental, Social, and Governance (ESG) Disclosure and Dividend Policy on Firm Value with Institutional Ownership as a Moderating Variable Firjatullah, Nabilah Ratnaduhita; Sulistyowati, Chorry; Putri, Elsa Yustika; Qalby, Zahrin Haznina; Andria, Cicik
Lensa Ilmiah: Jurnal Manajemen dan Sumberdaya Vol. 5 No. 1 (2026): Lensa Ilmiah: Jurnal Manajemen dan Sumberdaya
Publisher : ELRISPESWIL - Lembaga Riset dan Pengembangan Sumberdaya Wilayah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54371/jms.v5i1.1162

Abstract

This study aims to analyze the effect of competence, work motivation, and organizational culture on employee performance in a facility services company, PT Esefa Semesta Facility. The characteristics of work in this sector require adherence to standard operating procedures, service consistency, and adaptability to client needs. The study employed an explanatory quantitative design with a cross-sectional approach. Data were collected through structured questionnaires administered to all employees (total saPmpling), comprising 62 respondents. The analysis was conducted using multiple linear regression with SPSS version 26 after passing validity, reliability, and classical assumption tests. The results indicate that competence (B = 0.331; p = 0.010), work motivation (B = 0.284; p = 0.020), and organizational culture (B = 0.388; p = 0.010) have a positive and significant effect on employee performance. Simultaneously, the regression model is significant (F = 102.080; p < 0.001) with an Adjusted R² value of 0.833, indicating that the model explains 83.3% of the variance in employee performance. These findings confirm that strengthening job-relevant competencies, maintaining work motivation, and developing an adaptive organizational culture are essential managerial strategies to enhance performance in facility services operations, while acknowledging the limitations of causal inference due to the cross-sectional design.