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Identifikasi, Penanganan, dan Penyelesaian Kredit Bermasalah pada Bank Perkreditan Rakyat Epriliyana, Nike Norma; Salsabila, Arin Puri; Tohari, Nursyamsida
ACCOUNT (Journal of Accounting and Finance) Vol. 2 No. 2 (2024): September
Publisher : Program Studi Akuntansi Fakultas Ekonomi Universitas PGRI Argopuro Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31537/account.v2i2.2214

Abstract

Rural Banks is a financial institution that focuses on providing funds and providing credit. In the distribution of credit, Rural Banks can experience payment bottlenecks because debtors do not have sufficient funds, experience bankruptcy, do not pay on time. Bad credit can cause disruption to the liquidity of the Rural Bank. This research aims to explain the factors that cause bad credit and solutions to handling bad credit at Rural Banks. The research approach was carried out with a qualitative descriptive approach with a review of articles on non-performing loans. Data collection is done by literature study.. The results of the study concluded that the factors that cause non-performing loans include: (1) Improper credit analysis; (2) Less selective credit policy; (3) The debtor is not honest about the reported income; (4) The debtor has a disaster; (5) The weak financial strength of the business owned by the debtor. Based on these influencing factors, the solutions for handling non-performing loans include: (1) Early warning; (2) Credit restructuring; (3) Settlement of non-performing loans.
Pengaruh Budaya Kerja dan Konflik Kerja terhadap Kinerja Pegawai di Puskesmas Sukorambi Kabupaten Jember Devi Alfia; Nursyamsida Tohari; Yusita Titi Hapsari
Journal Of Administration and Educational Management (ALIGNMENT) Vol. 9 No. 3 (2026): Journal Of Administration and Educational Management (ALIGNMENT)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/6xw14481

Abstract

This study aims to analyze the influence of work culture and work conflict on employee performance at the Sukorambi Community Health Center in Jember Regency. The research method used was quantitative research with an explanatory research design. The study population consisted of 70 employees, and the entire population was sampled using a total sampling technique. Data were collected through a Likert-scale questionnaire distributed using Google Forms. Data were then analyzed using the Pearson correlation test and multiple linear regression with SPSS. The results showed that work culture had a positive and significant relationship with employee performance (r = 0.738; p = 0.000), while work conflict had no significant relationship with employee performance (r = -0.006; p = 0.958). The regression results showed that work culture had a positive and significant effect on employee performance (β = 0.245; p = 0.000), while work conflict had a negative and significant effect on employee performance (β = -0.119; p = 0.000). Simultaneously, work culture and work conflict explained 55.5% of the variation in employee performance (R² = 0.555). The conclusion of this study indicates that a strong work culture can improve employee performance, while poorly managed work conflict can decrease it. Therefore, strengthening work culture and effective conflict management are important factors in improving employee performance at the Sukorambi Community Health Center in Jember Regency.  Keywords: Work Culture, Employee Performance, Work Conflict, Employees, Community Health Center