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All Journal Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Journal Of Management Science (JMAS) Dinasti International Journal of Management Science eCo-Buss Jurnal Abdi Insani Jurnal Abdimas Pariwisata Pasundan International of Community Services Journal (PICS-J) JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Aptekmas : Jurnal Pengabdian Kepada Masyarakat Balance : Jurnal Akuntansi dan Manajemen Jurnal Ilmiah Mahasiswa (JIMAWA) Jurnal Economica: Media Komunikasi ISEI Riau Business Management Jurnal Bisnis Kompetitif Jurnal Ekonomika Manajemen Dan Bisnis Journal of Artificial Intelligence and Digital Business Al-Zayn: Jurnal Ilmu Sosial & Hukum Inaba Journal Of Psychology Cakrawala : Management Science Journal
Arie Hendra Saputro
Universitas Indonesia Membangun (INABA)
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Journal : Business Management

 1 
The Influence of Interest Rates, Credit Procedures, and Ease of Access on Retirees’ Interest in Applying for Loans at PT. Bank Pembangunan Daerah Jawa Barat dan Banten (Persero) Tbk, Buah Batu Branch Office Suryani, Tiara Elanda; Saputro, Arie Hendra
Business Management Vol 4, No 3 (2025): Business Management Agustus
Publisher : Lembaga Penelitian dan Pendidikan (LPP) Mandala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58258/bisnis.v4i3.9041

Abstract

This research is intended to determine the effect of interest rates, credit procedures and ease of access on retirees' interest in applying for credit at PT. Regional Development Bank of West Java and Banten (Persero) Tbk. Buah Batu Branch Office. Data was collected using a quantitative approach with explanatory research type, namely data that has been published previously in various scientific journals and relevant research sources. This study shows that each instrument used has high validity and consistency. Based on the validity test, each item in the Interest Rate (X1), Credit Procedure (X2), Ease of Access (X3), and Interest in Applying for Credit (Y) variables has a Pearson Correlation value greater than the critical value (r table = 0.3044), so that all question items are proven valid for measuring each variable.
The Effect of Work Competency, Non-Physical Work Environment, And Work Motivation on the performance of ASN Employees in the Civil Servant Police Unit of Bandung District Ritmasari, Kusriani Agnes; Saputro, Arie Hendra
Business Management Vol 4, No 3 (2025): Business Management Agustus
Publisher : Lembaga Penelitian dan Pendidikan (LPP) Mandala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58258/bisnis.v4i3.9183

Abstract

This study aims to analyze the effect of job competence, non-physical work environment, and work motivation on the performance of Civil Servants (ASN) at the Civil Service Police Unit (Satpol PP) of Bandung Regency. The research employed a quantitative approach with descriptive and verification methods. Data were collected through questionnaires distributed to the entire population of ASN, totaling 44 individuals (total sampling). The results of the validity and reliability tests indicated that all research instruments were valid and reliable. Multiple linear regression analysis was used to test the hypotheses. The t-test results revealed that job competence, non-physical work environment, and work motivation each have a positive and significant influence on employee performance. The F-test results showed that the three variables simultaneously have a significant effect on employee performance. These findings highlight the importance of improving competence, creating a supportive work environment, and strengthening work motivation to optimize civil servant performance.
Co-Authors Abdul Aziz Mubarok, Dadan Acep Angga Saepul Rahman Acep Angga Saepul Rahman Aenudin, Nisa Nuraeni Agiska Febryana Sabilla Agung Alam Rachmadika Alma Putri Yuliana Alyah, Rifiany Siti Andre Suryaningprang Ardi Sukardi Arif Hermawan, Arif Astri Wulandari Bramantri, Arielle Sylvia Cecep Saepul Rohman Cecep Saepul Rohman Chandra Jaya, Rama Dadan Abdul Aziz Mubarok Dadan Abdul Aziz Mubarok Dalfa Septi Miami Detya Wiryany Dina Yulia Wijaya Dowansiba, Sonny Erika Hartina Ermanawati, Widdy Ayu Utami Erna Herlinawati Erna Rahmawati Fanji Wijaya Fauziyah, Syifa Nur Febrianita Gandesworo, Piranti Gurawan Dayona Ismail Gustami, Alifia Dwi Hajarniah, Rika Hamdani Ariep, Ilham Haviana, Sifa Heryani, Neng Icha Sandrina, Icha Sandrina Irfan Harianja Islah Nurcahyati Ismail, Gurawan Dayona Jaya, Rama Chandra Jenni Elfrida Jenni Elfrida Juliana Budiarsa, Reika Kumala, Alia Noor Larasati, Radika Listri Herlina Meilani, Sri Mery Sri Rahayu Sri Rahayu Muhamad Azriel Ardiansyah Muhamad Azriel Ardiansyah Muhamad Frizky Pratama Muhamad Raji, Padil Muhamad Ramdan Muhammad Adli Qur’ani Muhammad Bayu Mustika, Sheli Muttaqin, Ridlwan Nabila, Hasna Lutfiyyah Nadira, Silvia Nara Aurelia Agustin Neng Rosmiati Novianty, Shevia Pratiwi, Andita Putri Pratiwi, Sonia Rahmawati, Lira Ramdan, Ahmad Taufiq Maulana Recky, Recky Ridho Riadi Akbar Ridho Riadi Akbar Ridho Riadi Akbar Ridma Meltareza Ritmasari, Kusriani Agnes Rizky Surya Tawaqal Sabrina Maharani saniyyah, seli Sarlina Tiur Maida Hutasoit Septian Nur Setiadi Aditama Septiana, Candra Septiani, Ajeng Setiawan, Prayoga Shafa Dwi Marshanda Siddiq , Andhika Mochamad Siddiq, Andhika Mochamad Siddiq, Andhika Mochammad Simbolon, Esra Yulianti Supiyadi, Dedi Suryani, Tiara Elanda Sutrisna, Clarissa Octaviani Syam Gunawan Tawaqal, Rizki Surya Tjipto Sajekti Triady, Rizal Wahidah, Siti Ulfa Nur Wulan Yesi Trisnawati Yollanda Alvionita Yordan Kalos Yoyo Sudaryo Zebua, Septin Hartati