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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Journal of Business Management
Ramadhan Subhi
Universitas Dehasen Bengkulu
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Energy Other

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The Role Of Customer Financial Statements In Providing Credit At Bank Bengkulu Putri Hijau Sub-Branch Office Adhitya Al-Fikri; Sulisti Afriani; Ramadhan Subhi
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 3 (2025): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v13i3.7949

Abstract

The purpose of this study is 1) To identify and analyze the role of financial reports in the credit granting process at Bank Bengkulu KCP Putri Hijau, 2) To determine the financial report elements that are of primary concern in credit evaluation at Bank Bengkulu KCP Putri Hijau, 3) To understand and evaluate the relationship between financial reports and credit risk at Bank Bengkulu KCP Putri Hijau. The analytical method used in this study is a qualitative descriptive method using the interactive model of Miles and Huberman.The research findings indicate that financial reports play a key role in credit granting by Bank Bengkulu KCP Putri Hijau. Financial reports provide information about the financial health of customers, portfolio performance, and the level of risk faced, which are used to determine credit policies, resource allocation, and risk management to ensure the bank remains stable and competitive. Some key financial report elements in credit evaluation at Bank Bengkulu KCP Putri Hijau are the items in the income statement such as net operating income and net profit. As for the balance sheet, the focus is on total current assets and total assets. The relationship between financial reports and credit risk at Bank Bengkulu KCP Putri Hijau is analyzed through financial ratios such as Debt Service Coverage Ratio (DSCR), Current Ratio, Net Profit Margin (NPM), and Return on Assets (ROA). These ratios help assess the company's ability to service debt, thereby minimizing credit risk or defaults before credit approval is granted.
The Effect Of Leadership, Work Environment, And Training On The Performance Of Teachers And Administrative Staff At Smkn 2 Kota Bengkulu Silvia Ulandari; Ida Anggriani; Ramadhan Subhi
Journal of Business Management Vol. 2 No. 2 (2026): May
Publisher : Utami Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70963/jbusman.v2i2.517

Abstract

Human resources are an important factor in determining the success of an organization, including educational institutions. Improvements in the quality of human resources can be reflected in the optimal performance of teachers and staff. This study aims to analyze the influence of principal leadership, work environment, and training on the performance of teachers and administrative staff at SMKN 2 Bengkulu City. This study used a quantitative approach with a population of 148 people and a sample of 74 respondents through accidental sampling. Data collection was conducted through questionnaires and analyzed using validity and reliability tests, multiple linear regression, the coefficient of determination, and hypothesis testing using SPSS version 25. The results show that leadership (X1), work environment (X2), and training (X3) have a significant and positive effect on the performance of teachers and staff at SMK Negeri 2 Kota Bengkulu (Y). Partially, leadership has a significant effect with a t-value (2.445) > t-table (1.653) and a significance value of 0.001 < 0.05. The work environment also has a significant effect with a t-value (2.589) > t-table (1.667) and a significance value of 0.003 < 0.05. Training has the strongest effect with a t-value (3.763) > t-table (1.667) and a significance value of 0.002 < 0.05. Simultaneously, the three independent variables (leadership, work environment, and training) had a significant effect on the performance of teachers and staff with a t-value (7.894) > t-table (2.73) and a significance level of 0.03 < 0.05. The coefficient of determination (R²) value of 0.781 indicates that 78.1% of the variation in teacher and staff performance is influenced by these three variables, while the remaining 21.9% is influenced by other factors outside this study. The regression equation obtained is:Y = 31.901 + 0.579X₁ + 0.296X₂ + 0.153X₃ + 8.768,which shows that any increase in leadership, work environment, and training will positively improve teacher and staff performance.
Co-Authors Adhitya Al-Fikri Ida Anggriani Silvia Ulandari Sulisti Afriani