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All Journal International Journal of Educational Review, Law And Social Sciences (IJERLAS) International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) International Review of Practical Innovation, Technology and Green Energy (IRPITAGE)
Muhammad Anggia Muchtar
Unknown Affiliation
Religion Humanities Economics, Econometrics & Finance Energy Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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CREDIT MANAGEMENT ANALYSIS TO PREDICT EARLY NON-PERFORMING LOANS AT PT. BANK NEGARA INDONESIA (PERSERO) TBK Hardiansyah; Nazaruddin; Muhammad Anggia Muchtar
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 5 No. 4 (2025): July
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v5i4.3615

Abstract

The purpose of this study is to improve credit quality in designing a customer loan default prediction system so that it can reduce the possibility of huge losses in banking in order to produce a model that has high accuracy and recall rate at PT. Bank Negara Indonesia (Persero) Tbk. The entire population in this study was sampled as many as 467 customers. Using the random forest method, the results obtained are: 1) descriptive analysis shows that the variables of customer credit history, payment ratio, age, collateral value, and affiliate balances influence the occurrence of bad debt, 2) the prediction model identifies patterns of customers at risk of bad debt, 3) the application of the credit model appropriately can reduce the level of bad debt.
DEVELOPMENT OF TOURISM VILLAGES THROUGH BUSINESS MODEL CANVAS IN AN EFFORT TO ATTRACT THE INTEREST OF TOURISTS IN SEMANGAT VILLAGE BARUSJAHE DISTRICT, KARO DISTRICT: Beby Kendida Hasibuan; Gustanto; Muhammad Anggia Muchtar
International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Vol. 4 No. 1 (2024): March-June 2024
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/irpitage.v4i1.1731

Abstract

Tourism continues to grow in Indonesia because it creates jobs, increases welfare and increases regional income. The tourism community for sustainable rural development is accelerated by the tourism sector. Tourism villages utilize existing community potential to empower the community and improve their welfare. Tourism villages reflect the natural richness of the countryside and the socio-economic and cultural situation. Rural tourism encourages villages to preserve culture and nature to attract tourists. Local and foreign tourists know this Karo Regency tourist spot. Karo Regency offers natural, artistic, cultural and historical tourism. Barusjahe District, Karo Regency has Roh Village. Roh Village has natural hot springs that flow directly from springs with the potential for plantations and medicinal plants to be used for agrotourism. All community facilities and infrastructure are complete, but need maintenance and development. Activities that have been carried out include socialization regarding increasing tourist interest in Spirit Village, Barusjahe District, Karo Regency.
THE EFFECT OF SERVICE QUALITY AND COMPANY COMMITMENT ON CUSTOMER LOYALTY THROUGH CUSTOMER SATISFACTION AS AN INTERVENING VARIABLE (CASE STUDY AT PT. KARYA SEMANGAT MANDIRI) IN MEDAN NORTH SUMATERA INDONESIA) Lina; Sugiharto Pujangkoro; Muhammad Anggia Muchtar
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 4 No. 5 (2024): October
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v4i5.1975

Abstract

Chicken production in North Sumatra increased significantly from 2020 to 2022 which indicates that the business potential of broiler raising is promising. Broiler is known as a chicken which is able to produce high quality chicken in a short time which makes it a high ranking product in poultry raising. Partnership pattern between poultry raisers and companies is the main strategy in increasing productivity and the sustainability of broiler raising business. PT. Karya Usaha Mandiri as a holding company has developed a partnership with plasma broiler raisers to advance broiler raising business. However, there is dissatisfaction of plasma broiler raisers with the service quality of PT. Karya Pahlawan Mandiri, indicated by their complaints about the lateness of DOC supply and food, and irregular technicians' visits. The objective of the research is to analyze the influence of service quality and firm commitment on plasma broiler raisers' satisfaction and loyalty and to explore the correlation between customer satisfaction and loyalty in the context of this partnership. The research uses quantitative causality method which is aimed at analyzing the cause and effect correlation between service quality and the effect of the company's involvement in customer loyalty with customer satisfaction at PT. Independent Spirit Work. The research location is at the broiler raising place, Binjai, North Sumatra. The population is 322 clients of the company, of which 140 are used as samples, taken by using simple random sampling technique. Te data are gathered by using Likert Scale questionnaire and analyzed by using Partial Least Square (PLS) technique with SmartPLS version 3. software. The results of the research show that service quality does not have any significant influence on customer loyalty but has a positive and significant influence on customer satisfaction. Customer satisfaction significantly influences customer loyalty which indicates that good service will increase satisfaction and, in turn, it will increase loyalty. Service quality does not influence customer loyalty through customer satisfaction while firm commitment influences loyalty through customer satisfaction.
Co-Authors Adli Rahman Beby Kendida Hasibuan Gustanto Hardiansyah Lina Nazaruddin Sugiharto Pujangkoro Tuti Sarma Sinaga