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All Journal International Journal of Environmental, Sustainability, and Social Science
Frans Gana
Nusa Cendana University, Indonesia
Economics, Econometrics & Finance Environmental Science Social Sciences

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Management and Staff Perception of Factors Affecting Consumer Credit Marketing Performance at PT BPD NTT Maya Susanthy Didok; Frans Gana; Rolland E. Fanggidae
International Journal of Environmental, Sustainability, and Social Science Vol. 7 No. 2 (2026): International Journal of Environmental, Sustainability, and Social Science (Mar
Publisher : PT Keberlanjutan Strategis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38142/ijesss.v7i2.1902

Abstract

The purpose of this study is to: 1) Describe and analyze the perceptions of management and staff regarding service quality, marketing strategy, and human resources at PT. BPD NTT 2) Describe and analyze consumer credit marketing performance at PT. BPD NTT 3) Identify the dominant factors influencing consumer credit marketing performance based on the perceptions of management and staff at PT. BPD NTT. The results of descriptive analysis show that the description of service quality, marketing strategy and human resources at PT. Bank Pembangunan Daerah Nusa Tenggara Timur in this study has met the criteria with the category of strongly agree, and also all respondent answer data passed the validity and reliability test. The results of partial inferential analysis of service quality have a significant effect on consumer credit marketing performance, marketing strategy has a positive and significant effect on consumer credit performance, human resources have a positive and significant effect on consumer credit marketing performance. The R Square value shows that the contribution of service quality, marketing strategy, and human resources to consumer credit marketing performance is 82.5%, while the remaining 17.5% is influenced by other variables outside the model studied.
The Effect of Self-Efficacy and Reward on Employee Performance at Bank Nusa Tenggara Timur Head Office Through Work Motivation as a Moderating Variable Tania Novelen ADOE; Frans GANA; Melkisedek N.B.C. NEOLAKA
International Journal of Environmental, Sustainability, and Social Science Vol. 6 No. 3 (2025): International Journal of Environmental, Sustainability, and Social Science (May
Publisher : PT Keberlanjutan Strategis Indonesia

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Abstract

This study aims to analyze the effect of self-efficacy and reward on employee performance at Bank NTT Head Office, with work motivation as a moderating variable. The main problems discussed include how the relationship between self-efficacy, reward, and motivation to improve employee performance directly and indirectly. The method used is a quantitative approach with an explanatory research type, involving 188 respondents from a population of 354 employees of Bank NTT Head Office. Data collection was carried out through questionnaires and documentation, and analyzed using the Partial Least Square (PLS) technique. The results of the study indicate that self-efficacy, reward, motivation, and employee performance are in the good category. Self-efficacy and reward have a significant direct influence on employee performance, as well as motivation. However, work motivation has not been shown to moderate the influence of self-efficacy and reward on performance. This finding indicates the importance of strengthening psychological aspects and reward systems in supporting employee productivity. The conclusion of this study confirms that direct interventions on self-efficacy and reward are more effective than using motivation as an intermediary variable. Therefore, human resource development should be focused on increasing self-confidence and a fair reward system to optimize organizational performance.
Co-Authors Maya Susanthy Didok Melkisedek N.B.C. NEOLAKA Rolland E. Fanggidae Tania Novelen ADOE