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All Journal INTERNATIONAL JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (INJOSS)
Ahmad Ali
Program Studi Manajemen, Fakultas Ekonomi, Universitas Negeri Makassar, Indonesia
Religion Humanities Economics, Econometrics & Finance Social Sciences Other

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CREDIT RISK LEVEL ANALYSIS IN PT. BANK SULSELBAR Bakhitah Hany Putri; Amiruddin Tawe; Nurman Nurman; Anwar Ramli; Ahmad Ali
INTERNATIONAL JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (INJOSS) Vol. 1 No. 3 (2022): SEPTEMBER
Publisher : ADISAM PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/injoss.v1i3.29

Abstract

This study aims to determine and analyze the level of credit risk in terms of Non-Performing Loans (NPL) and Loan to Deposit Ratio (LDR) at PT. South Sulawesi Bank. The type of research used is descriptive quantitative. The population in this study is the financial statements of PT Bank Sulselbar from 2016-2020. While the sample in this study is the balance sheet and credit collectibility of PT Bank Sulselbar in 2016-2020. Data analysis techniques using the ratio of Non-Performing Loans (NPL) and Loan to Deposit Ratio (LDR). The results showed that the Non Performing Loan (NPL) of PT. Bank Sulselbar has met the standards set by Bank Indonesia and is included in the safe category because it does not exceed the predetermined limit. In such circumstances PT. Bank Sulselbar is said to be healthy. Loan to Deposit Ratio (LDR) PT. Bank Sulselbar has not met the standards set by Bank Indonesia, because the LDR value of PT. Bank Sulselbar which has exceeded the safe limit. This is PT. Bank Sulselbar is in the unhealthy category and it also shows that the bank's liquidity condition is in a less effective condition.
The Effect of Word of Mouth on the Decision to Use Wedding Organizer ELEVEN Services in Makassar City Muhammad Arbi Alizar; Ikhwan Maulana Haeruddin; Zainal Ruma; Ichwan Musa; Ahmad Ali
INTERNATIONAL JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (INJOSS) Vol. 1 No. 3 (2022): SEPTEMBER
Publisher : ADISAM PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/injoss.v1i3.37

Abstract

This study aims to determine how the influence of Word of Mouth on the decision to use Wedding Organizer Eleven services in Makassar City. The independent variable in this study is Word Of Mouth while the dependent variable is Purchase Decision. The population in this study are WO Eleven users. While the sample used is as many as 65 respondents. The sampling technique in this study was carried out using a simple random sample method (Simple Random Sampling method). Data collection was done by using a questionnaire. The data analysis technique used is simple linear regression analysis using SPSS 25.00 for Windows. The results showed that the results showed that the Word of Mouth variable had a significant influence on the consumer purchasing decision variables of Wedding Organizer Eleven. The value of the regression coefficient of the Word of Mouth variable (b) is positive at 0.621, which means that for every additional one unit of Word of Mouth value, the value of the purchase decision will increase by 0.621. The regression coefficient is positive, so it can be said that the direction of the influence of the X variable on Y is positive
Co-Authors Amiruddin Tawe Anwar Ramli Bakhitah Hany Putri Ichwan Musa M. Ikhwan Maulana Haeruddin Muhammad Arbi Alizar Nurman Nurman Zainal Ruma