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Mega Hastuti, Sri Wahyu
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Economics, Econometrics & Finance

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Pengaruh Diversifikasi Kredit terhadap Risiko Kredit dan Profitabilitas Pada Bank Pembangunan Daerah di Indonesia Allanda, Mohammad Reza; Arisyahidin, Arisyahidin; Mega Hastuti, Sri Wahyu
Otonomi Vol 24 No 2 (2024): Otonomi
Publisher : Universitas Islam Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32503/otonomi.v24i2.6295

Abstract

Regional Development Banks have a role in supporting the economy of a region, namely as an access provider of capital for individuals and business entities in the form of credit. In carrying out the intermediation function, banks are required to apply the principle of prudence in distributing credit to debtors. One of the current issues is that there has been a shift in BPD's business strategy, which previously relied on the consumer credit sector, but is now starting to shift to the productive sector. This cannot be separated from the credit distribution diversification strategy so that it is more optimal and does not rely on just one sector. This research will test whether credit diversification has an effect on credit risk and profitability at Regional Development Banks (BPD) in Indonesia. This research uses a quantitative research approach. The data used in this research is secondary data from financial reports released by BPD for the 2020-2023 period. The population in this research is the Regional Development Banks in Indonesia, namely 27 banks. The sampling of companies in this research used a purposive sampling method, resulting in a sample of 22 banks. The results of the research show that credit diversification has a negative and significant influence on credit risk variables. In addition, credit diversification has a positive and significant influence on the profitability variable (ROA).
Kinerja Sumber Daya Manusia Generasi Z Meningkatkan Produktivitas Industri Kreatif Digital Monsia Creative Budi Lestari, Ajeng Prihastuti; Mega Hastuti, Sri Wahyu
Otonomi Vol 25 No 2 (2025): Otonomi
Publisher : Universitas Islam Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32503/otonomi.v25i2.8034

Abstract

Human resources (HR) play a vital role in determining the success of an organization, especially in the rapidly growing digital creative industry. Generation Z, who have grown up in the era of technology and digitalization, possess characteristics that distinguish them from previous generations, such as high technological skills, the ability to adapt quickly, and a tendency to seek meaning in their work. In the context of a creative company like Monsia Creative, which operates in video production, photography, graphic design, and digital marketing, managing the potential of Generation Z is crucial to ensure their contribution to creating innovation and optimal productivity. The performance of Generation Z in this industry is influenced by several factors, such as flexibility in working hours and location, opportunities for skill development, and a supportive work environment. They tend to be more productive and motivated when given freedom in organizing their work and when their contributions are recognized. An inclusive work atmosphere, along with opportunities for personal development, is also essential in boosting employee loyalty and engagement. To maximize the potential of Generation Z, companies like Monsia Creative need to create an environment that fosters creativity, provide continuous training, and manage policies that support a balance between work and personal life to improve their satisfaction and productivity within the company.
Co-Authors Allanda, Mohammad Reza Arisyahidin, Arisyahidin Budi Lestari, Ajeng Prihastuti