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All Journal Dharmawangsa: International Journal of the Social Sciences, Education and Humanitis Journal of Innovative and Creativity
Sri Mulyani
Universitas Dharmawangsa Medan
Humanities Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Risk Evaluation in Providing Gold Credit at PT Pegadaian Medan Sunggal Branch Citra Astuti; Muhammad Rizki Aulia; Sri Mulyani
Journal of Innovative and Creativity Vol. 6 No. 1 (2026)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v6i1.8606

Abstract

Gold loans are one of PT Pegadaian's flagship products, playing a crucial role in meeting the public's financing needs with gold as collateral. Despite their relatively high level of security, gold loans still carry various risks, such as credit risk, the risk of gold price fluctuations, and operational risk. Therefore, risk evaluation in gold loans is crucial to ensure smooth operations and maintain the company's financial performance. This study aims to evaluate the risks involved in the gold loan disbursement process at PT Pegadaian's Medan Sunggal Branch and identify the risk control easures implemented. This study used a descriptive qualitative approach, collecting data through interviews, observation, and documentation. The research informants consisted of branch managers and employees directly involved in the gold loan disbursement process. Data analysis was conducted through data reduction, data presentation, and conclusion drawing. The results indicate that the main risks in gold loans at PT Pegadaian's Medan Sunggal Branch include credit risk due to late customer payments, the risk of gold price fluctuations that can affect the collateral value, and operational risks related to the appraisal and administration processes. However, PT Pegadaian Medan Sunggal Branch has implemented various risk management strategies, including gold valuation standards, strict operational procedures, and regular credit monitoring. This research is expected to provide evaluation material and input for management in improving the effectiveness of gold credit risk management.
Transformational Leadership, Work Motivation, And Organizational Commitment As Determinants Of Employee Performance: A Dual Mediation Study In The Indonesian Banking Sector Sri Mulyani; Syaiful Amri; Muhamamd Rizki Aulia; Citra Astuti
Dharmawangsa: International Journal of the Social Sciences, Education and Humanitis Vol 7, No 1 (2026): Social Sciences, Education and Humanities
Publisher : Universitas Dharmawangsa Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46576/ijsseh.v7i1.8465

Abstract

This study investigates the transmission mechanism linking transformational leadership to employee performance through two parallel mediation pathways: work motivation and organizational commitment. Unlike prior studies that examine mediators in isolation, this research explicitly compares the relative strength of both pathways to identify the dominant psychological mechanism within the context of Indonesian banking organizations — a setting that has been consistently underrepresented in the international leadership literature. Using a cross-sectional survey design and Structural Equation Modeling (SEM-AMOS) with 385 commercial bank employees selected through stratified random sampling across five Indonesian regions, this study finds: (1) transformational leadership exerts a significant direct effect on employee performance (β = 0.421; p < 0.001); (2) work motivation mediates the relationship with an indirect effect of 0.168 (95% BCa-CI: 0.091–0.263); (3) organizational commitment mediates with an indirect effect of 0.142 (95% BCa-CI: 0.073–0.231); and (4) the pathway through work motivation is statistically stronger than the commitment pathway (contrast = 0.026; p < 0.05). The model explains R² = 0.684 of the variance in employee performance. These findings carry direct implications for the design of leadership training programs and performance management systems in banking institutions
Co-Authors Citra Astuti Citra Astuti Muhamamd Rizki Aulia Muhammad Rizki Aulia Syaiful Amri