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All Journal Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking)
Thenu, Junet
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The Effect of Consumer Credit, Performance Allowances, Work Discipline, and Work Environment on The Performance of Civil Servants in Ternate City Thenu, Junet; Budhijana, R. Bambang
Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Vol. 12 No. 1 (2026): Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and
Publisher : STIE Indonesia Banking School

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Abstract

This study aims to analyze the influence of Consumptive Credit, Performance Allowance, Work Discipline, and Work Environment on the Performance of Civil Servants (PNS) in Ternate City. Using a quantitative approach with 102 respondents through purposive sampling and PLS-SEM analysis assisted by SmartPLS 4.1.1.6. The results indicate that consumptive credit, work discipline, and work environment have a positive and significant effect on civil servant performance. In contrast, performance allowance shows no significant effect, indicating that the incentive system has not been functioning effectively. This study recommends merit-based allowance reform as well as strengthening discipline and work environment to improve the quality of regional bureaucracy.
Co-Authors Budhijana, R. Bambang