Ricky, Chairul Insani, Mahdi, Deni Riani, Asri Ady Bakri
Fraudulent behavior includes any unethical or harmful behavior that affects people, organizations, and environment. The purpose of this study is to examine how internal control, as well as sensitivity and morality can prevent fraud from occurring. There are four state-owned banks participating in this study. To collect the data, questionnaires were distributed to and completed by 100 workers of state-owned banks. Additionally, this study implemented multiple linear regression analysis as its methodology. The findings of this study demonstrate that internal control has a positive and significant impact on preventing fraud with a t count > t table, specifically 4.239 > 1.66023 with a significance value of 0.000, less than 0.05, and moral sensitivity has a positive and significant impact on preventing fraud with a t count > t table, specifically 1.998 > 1.66023 with a significance value of 0.048, less than 0.05.
{"title":"Fraud Prevention Through Internal Control and Moral Sensitivity (A Case Study at State-Owned Banks)","authors":"Ricky, Chairul Insani, Mahdi, Deni Riani, Asri Ady Bakri","doi":"10.52728/ijjm.v4i3.817","DOIUrl":"https://doi.org/10.52728/ijjm.v4i3.817","url":null,"abstract":"Fraudulent behavior includes any unethical or harmful behavior that affects people, organizations, and environment. The purpose of this study is to examine how internal control, as well as sensitivity and morality can prevent fraud from occurring. There are four state-owned banks participating in this study. To collect the data, questionnaires were distributed to and completed by 100 workers of state-owned banks. Additionally, this study implemented multiple linear regression analysis as its methodology. The findings of this study demonstrate that internal control has a positive and significant impact on preventing fraud with a t count > t table, specifically 4.239 > 1.66023 with a significance value of 0.000, less than 0.05, and moral sensitivity has a positive and significant impact on preventing fraud with a t count > t table, specifically 1.998 > 1.66023 with a significance value of 0.048, less than 0.05.","PeriodicalId":325965,"journal":{"name":"Ilomata International Journal of Management","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-07-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134002309","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
High levels of work stress (WS) can significantly lower work motivation (WM) as the energy is prone to deplete, causing burnout, and undermining employees’ belief to succeed in their career. On the other hand, low motivation level makes them more susceptible to experiencing WS and less resilient in coping with stressful situations. Thus, what is the connection between WS and WM on employee performance (EPf)? In fact, there are still few researches discussing the issue, particularly in telecommunications companies and this became the background for this study. To conduct the research, qualitative and quantitative data are used. The population comprised all employees of PT Hutchison 3 Indonesia (H3I) Makassar Branch who also become a sample or census sampling. For the data collection, a survey method is implemented with multiple linear regression as its technique of analysis. The results showed that the variables of WS and WM had a positive and significant impact on EPf. All research hypotheses are declared accepted, which indicates that an increase in the variables of WS and WM will improve EPf. The findings contribute to the development of theory and practice in the fields of performance and human resources management.
高水平的工作压力(WS)会显著降低工作动机(WM)，因为能量容易耗尽，导致倦怠，并破坏员工在职业生涯中取得成功的信念。另一方面，低动机水平使他们更容易经历WS，并且在应对压力情况时缺乏弹性。那么，WS和WM对员工绩效(EPf)有什么关系呢?事实上，讨论这一问题的研究仍然很少，特别是在电信公司，这成为了本研究的背景。为了进行研究，使用了定性和定量数据。人口包括PT Hutchison 3 Indonesia (H3I)望加锡分公司的所有员工，他们也成为样本或人口普查抽样。在数据收集方面，采用了以多元线性回归为分析技术的调查方法。结果表明，WS和WM两个变量对EPf有显著的正向影响。所有的研究假设都被接受，这表明增加WS和WM的变量会提高EPf。研究结果有助于绩效管理和人力资源管理领域的理论和实践的发展。
{"title":"The Effects of Work Stress and Work Motivation on Employee Performance","authors":"Sandiyudha Wirabuana Putra, M. Pono, Wahda","doi":"10.52728/ijjm.v4i3.811","DOIUrl":"https://doi.org/10.52728/ijjm.v4i3.811","url":null,"abstract":"High levels of work stress (WS) can significantly lower work motivation (WM) as the energy is prone to deplete, causing burnout, and undermining employees’ belief to succeed in their career. On the other hand, low motivation level makes them more susceptible to experiencing WS and less resilient in coping with stressful situations. Thus, what is the connection between WS and WM on employee performance (EPf)? In fact, there are still few researches discussing the issue, particularly in telecommunications companies and this became the background for this study. To conduct the research, qualitative and quantitative data are used. The population comprised all employees of PT Hutchison 3 Indonesia (H3I) Makassar Branch who also become a sample or census sampling. For the data collection, a survey method is implemented with multiple linear regression as its technique of analysis. The results showed that the variables of WS and WM had a positive and significant impact on EPf. All research hypotheses are declared accepted, which indicates that an increase in the variables of WS and WM will improve EPf. The findings contribute to the development of theory and practice in the fields of performance and human resources management.","PeriodicalId":325965,"journal":{"name":"Ilomata International Journal of Management","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-07-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121228988","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
R. Zulfikar, Purboyo, F. Yulianti, Lamsah, Aida Vitria
This study aims to identify the nexus between social, environmental, legal, governance dimensions and the economic development in order to achieve SDGS in Indonesia. The research uses quantitative methods with the primary data in the form of the SDGS Achievement indicators obtained from the 2015 to 2022 Indonesia National Planning Agency and Central Bureau of Statistics. The data analysis techniques are SEM-PLS bootstrapping, with confidence interval of 5%. The results showed that social, environmental, legal and governance development have a positive influence on economic development towards the achievement of the Sustainable Development goals. All the results of the t-test exceed 1.96, the P Values, which denote the level of significance required, are below 0.05, and the adjusted R Square has the value of 0.888 (88.8%), which suggests that its capability to clarify the correlation between social, environmental, law, governance and the economic development variable is robust, with an 88.8% level of accuracy. The implication of this research that economic growth has brought about many benefits for Indonesia, also proved to have significant impacts on various aspects of society, including the environment, social structures, law, and governance. It is critical to note that policymakers and stakeholders work together to address these challenges and to ensure that the development is sustainable and equitable for all Indonesians.
{"title":"The Nexus between Social, Environmental, Law, Governance Dimensions and Economic Development for Indonesian’s SDGs Achievement","authors":"R. Zulfikar, Purboyo, F. Yulianti, Lamsah, Aida Vitria","doi":"10.52728/ijjm.v4i3.754","DOIUrl":"https://doi.org/10.52728/ijjm.v4i3.754","url":null,"abstract":"This study aims to identify the nexus between social, environmental, legal, governance dimensions and the economic development in order to achieve SDGS in Indonesia. The research uses quantitative methods with the primary data in the form of the SDGS Achievement indicators obtained from the 2015 to 2022 Indonesia National Planning Agency and Central Bureau of Statistics. The data analysis techniques are SEM-PLS bootstrapping, with confidence interval of 5%. The results showed that social, environmental, legal and governance development have a positive influence on economic development towards the achievement of the Sustainable Development goals. All the results of the t-test exceed 1.96, the P Values, which denote the level of significance required, are below 0.05, and the adjusted R Square has the value of 0.888 (88.8%), which suggests that its capability to clarify the correlation between social, environmental, law, governance and the economic development variable is robust, with an 88.8% level of accuracy. The implication of this research that economic growth has brought about many benefits for Indonesia, also proved to have significant impacts on various aspects of society, including the environment, social structures, law, and governance. It is critical to note that policymakers and stakeholders work together to address these challenges and to ensure that the development is sustainable and equitable for all Indonesians.","PeriodicalId":325965,"journal":{"name":"Ilomata International Journal of Management","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-07-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133212093","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Employee performance (EP) is one of the supporting factors in improving the quality of tertiary institutions to support improving services to the academic community. The phenomena in this study are employee dissatisfaction triggered by inadequate non-physical work environment policies, unclear opportunities for career development, and low levels of work motivation which affect performance effectiveness. To what extend are non-physical work environment (NP), career development, and WM on EPer interrelated? A few researchers have explored such relation, especially in the scope of higher education, however, it is inadequate. This study uses different types of data, qualitative and quantitative, whereas the sample and the population comprised civil servants of echelon III and IV at Hasanuddin University with a total of 120 respondents. As for the data analyses method, a multiple linear regression is implemented. The findings showed that NP variables, career development, and WM have a significant effect on EPer. These indicate that career development has a dominant effect on EPer. The results of the study contribute to the development of theory and practice in the areas of work psychology and human resources management.
{"title":"Non-Physical Work Environment, Career Development, and Work Motivation on Employee Performance","authors":"Deasy Ariati, Nurdjanah Hamid, Andi Kusumawati","doi":"10.52728/ijjm.v4i3.806","DOIUrl":"https://doi.org/10.52728/ijjm.v4i3.806","url":null,"abstract":"Employee performance (EP) is one of the supporting factors in improving the quality of tertiary institutions to support improving services to the academic community. The phenomena in this study are employee dissatisfaction triggered by inadequate non-physical work environment policies, unclear opportunities for career development, and low levels of work motivation which affect performance effectiveness. To what extend are non-physical work environment (NP), career development, and WM on EPer interrelated? A few researchers have explored such relation, especially in the scope of higher education, however, it is inadequate. This study uses different types of data, qualitative and quantitative, whereas the sample and the population comprised civil servants of echelon III and IV at Hasanuddin University with a total of 120 respondents. As for the data analyses method, a multiple linear regression is implemented. The findings showed that NP variables, career development, and WM have a significant effect on EPer. These indicate that career development has a dominant effect on EPer. The results of the study contribute to the development of theory and practice in the areas of work psychology and human resources management.","PeriodicalId":325965,"journal":{"name":"Ilomata International Journal of Management","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-07-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132497397","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This research aims to confirm the effect of Work Environment and Training as exogenous variables by using Organizational Culture and Motivation as intervening variables on Performance. The quantitative method with three substructures is used. The population consists of 190 employees, 130 of which are researched using the Morgan table and 30 respondents are assigned to measure the validity and reliability. The results of this study reveal: work environment and training affect the variables of Organizational Culture, Motivation, and Performance; Training affects Organizational Culture and Motivation but not Performance variables; Organizational Culture Affects Performance, and Motivation does not affect Performance. Indirect effects: work environment variables affect Performance through organizational culture variables but do not affect Performance through Motivation. Training variables affect Performance through Organizational Culture but do not affect Performance through Motivation.
{"title":"Performance Analysis by Organizational Culture and Motivation as Mediation, Influenced by Work Environment and Training","authors":"Aris Budiono, Indra Fahrizal","doi":"10.52728/ijjm.v4i3.752","DOIUrl":"https://doi.org/10.52728/ijjm.v4i3.752","url":null,"abstract":"This research aims to confirm the effect of Work Environment and Training as exogenous variables by using Organizational Culture and Motivation as intervening variables on Performance. The quantitative method with three substructures is used. The population consists of 190 employees, 130 of which are researched using the Morgan table and 30 respondents are assigned to measure the validity and reliability. The results of this study reveal: work environment and training affect the variables of Organizational Culture, Motivation, and Performance; Training affects Organizational Culture and Motivation but not Performance variables; Organizational Culture Affects Performance, and Motivation does not affect Performance. Indirect effects: work environment variables affect Performance through organizational culture variables but do not affect Performance through Motivation. Training variables affect Performance through Organizational Culture but do not affect Performance through Motivation.","PeriodicalId":325965,"journal":{"name":"Ilomata International Journal of Management","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-07-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125741755","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
The objective of this study is to investigate the extent to which Enterprise Risk Management Advanced (ERMADV) implementation impacts firm performance and value moderated by ESG performance. The assessment of ERMADV implementation level is done by using eight components derived from governance and firm operating activities whose measurements are founded on Organization for Economic Cooperation and Development (OECD) principle and COSO ERM-Integrated Framework. Board Gender Diversity, Board of Commissioner Size, Firm Size, Leverage as well as Return on Equity (ROE) were further used in this study as control variables. This study includes companies concerning the manufacture and mining industry that is registered on the Indonesia Stock Exchange website from year 2015 to 2021. The findings of this research show that ERMADV significantly affects firm performance and value. In addition, it was discovered that ESG plays a large moderating influence. ESG suggests that an advanced ERM framework will prioritize risks associated with ESG-related aspects if it is resilient and integrated. As a result, this strategy will direct organizations in developing ethical decision-making strategies, improving financial performance and firm value.
{"title":"The Influence of the Implementation Analysis on the Advanced Risk Management Enterprise : The Role Of Environmental, Social and Governance Performance","authors":"Clarissa Maharani, Efa Yonnedi","doi":"10.52728/ijjm.v4i3.830","DOIUrl":"https://doi.org/10.52728/ijjm.v4i3.830","url":null,"abstract":"The objective of this study is to investigate the extent to which Enterprise Risk Management Advanced (ERMADV) implementation impacts firm performance and value moderated by ESG performance. The assessment of ERMADV implementation level is done by using eight components derived from governance and firm operating activities whose measurements are founded on Organization for Economic Cooperation and Development (OECD) principle and COSO ERM-Integrated Framework. Board Gender Diversity, Board of Commissioner Size, Firm Size, Leverage as well as Return on Equity (ROE) were further used in this study as control variables. This study includes companies concerning the manufacture and mining industry that is registered on the Indonesia Stock Exchange website from year 2015 to 2021. The findings of this research show that ERMADV significantly affects firm performance and value. In addition, it was discovered that ESG plays a large moderating influence. ESG suggests that an advanced ERM framework will prioritize risks associated with ESG-related aspects if it is resilient and integrated. As a result, this strategy will direct organizations in developing ethical decision-making strategies, improving financial performance and firm value.","PeriodicalId":325965,"journal":{"name":"Ilomata International Journal of Management","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-07-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121093380","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This study conducted in Surakarta, Indonesia aimed to examine the relationship between digital skills and mobile banking usage using Confirmatory Factor Analysis. The study revealed that operational mobile skills, information navigation skills, creative skills, and social skills were the factors that influenced mobile banking usage. However, despite the rapid development of mobile banking, there was still a digital divide. The study recommends modifying the index through Exploratory Factor Analysis for future research. The findings emphasize the significance of digital skills in mobile banking and can be useful for policymakers, mobile banking service providers, and users in Surakarta, Indonesia. This study contributes to the understanding of the relationship between digital skills and mobile banking usage and highlights the need for digital skill development in accessing mobile banking services in Surakarta, Indonesia.
{"title":"Digital Skill Confirmation Factor Analysis on the Use of Mobile Banking Services in the City of Surakarta","authors":"Meutria Salma, Refi Rifaldi Windya Giri","doi":"10.52728/ijjm.v4i2.756","DOIUrl":"https://doi.org/10.52728/ijjm.v4i2.756","url":null,"abstract":"This study conducted in Surakarta, Indonesia aimed to examine the relationship between digital skills and mobile banking usage using Confirmatory Factor Analysis. The study revealed that operational mobile skills, information navigation skills, creative skills, and social skills were the factors that influenced mobile banking usage. However, despite the rapid development of mobile banking, there was still a digital divide. The study recommends modifying the index through Exploratory Factor Analysis for future research. The findings emphasize the significance of digital skills in mobile banking and can be useful for policymakers, mobile banking service providers, and users in Surakarta, Indonesia. This study contributes to the understanding of the relationship between digital skills and mobile banking usage and highlights the need for digital skill development in accessing mobile banking services in Surakarta, Indonesia.","PeriodicalId":325965,"journal":{"name":"Ilomata International Journal of Management","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-05-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114298854","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
As a company, Puspresnas always works to give the Minister of Education, Culture, Research, and Technology the best advice and technical support possible. The achievement of exceptional and maximum service to students and educational institutions throughout Indonesia is the Puspresnas' vision for the future. Human resources that can adapt and are proficient in using technology in the workplace are needed in the age of the fourth industrial revolution. This study attempts to examine the relationship between employee service performance in terms of competence, adaptation, and skills. This study employs a quantitative methodology and questionnaires to collect data from Puspresnas personnel. According to the findings, the coefficient value for the constant is not significant, and the constant values for the Competence, Adaptation, and Skills variables are, respectively, 0.416, 0.354, and 0.224. The three independent factors have a positive effect on employee service performance, as shown by the regression equation for service performance above. According to the study's findings, enhancing competence, adaptability, and abilities can improve employee service performance. According to the study's findings, employees' competence, adaptability, and talents were highly correlated with how well they provided customer service at Puspresnas during the Industrial Revolution 4.0. Employees must get recurrent training as we transition to an entirely digital era so they can keep up with the ever-increasing pace of technological advancement.
{"title":"Relationship Analysis of Employee Human Resources Quality and National Achievement Center Service Performance in the Era of Industrial Revolution 4.0","authors":"","doi":"10.52728/ijjm.v4i2.698","DOIUrl":"https://doi.org/10.52728/ijjm.v4i2.698","url":null,"abstract":"As a company, Puspresnas always works to give the Minister of Education, Culture, Research, and Technology the best advice and technical support possible. The achievement of exceptional and maximum service to students and educational institutions throughout Indonesia is the Puspresnas' vision for the future. Human resources that can adapt and are proficient in using technology in the workplace are needed in the age of the fourth industrial revolution. This study attempts to examine the relationship between employee service performance in terms of competence, adaptation, and skills. This study employs a quantitative methodology and questionnaires to collect data from Puspresnas personnel. According to the findings, the coefficient value for the constant is not significant, and the constant values for the Competence, Adaptation, and Skills variables are, respectively, 0.416, 0.354, and 0.224. The three independent factors have a positive effect on employee service performance, as shown by the regression equation for service performance above. According to the study's findings, enhancing competence, adaptability, and abilities can improve employee service performance. According to the study's findings, employees' competence, adaptability, and talents were highly correlated with how well they provided customer service at Puspresnas during the Industrial Revolution 4.0. Employees must get recurrent training as we transition to an entirely digital era so they can keep up with the ever-increasing pace of technological advancement.","PeriodicalId":325965,"journal":{"name":"Ilomata International Journal of Management","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-05-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132495316","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Introduction/Main Objectives: The COVID-19 pandemic has sparked creativity among tourism actors. Tourism villages as one of the tourist attractions, conduct virtual tours to introduce their attractions and facilities. The purpose of this study is to describe the role of virtual tours as a promotional medium in increasing interest in visiting village tourism. Background Problems: with the policy of limiting tourist travel, the tourism industry has experienced a decrease in the number of tourist visits. Digitalization is a way to maintain relationships with consumers and carry out promotions through virtual tours. The formulation of the research problem is what is the role of virtual tours as promotional media in increasing interest in visiting village tourism? Novelty: The novelty of this research lies in the use of virtual tours as a promotional medium to increase millennial tourist interest by involving relevant stakeholders. Research Methods: research was conducted with a qualitative approach. Primary data was obtained through focus group discussions and interviews during the virtual tour. Secondary data was obtained through relevant literature. Finding/Results: a virtual tour of the three tourist villages that became the case studies in this study, namely Nepal Van Java in Central Java and Sade Village in West Nusa Tenggara, succeeded in providing information that attracted millennial tourists to visit. Conclusion: the virtual tour is an effective promotional medium in increasing interest in visiting tourist villages.
{"title":"Village Tourism Promotion Through Virtual Tour","authors":"I. D. G. Satrya","doi":"10.52728/ijjm.v4i2.745","DOIUrl":"https://doi.org/10.52728/ijjm.v4i2.745","url":null,"abstract":"Introduction/Main Objectives: The COVID-19 pandemic has sparked creativity among tourism actors. Tourism villages as one of the tourist attractions, conduct virtual tours to introduce their attractions and facilities. The purpose of this study is to describe the role of virtual tours as a promotional medium in increasing interest in visiting village tourism. Background Problems: with the policy of limiting tourist travel, the tourism industry has experienced a decrease in the number of tourist visits. Digitalization is a way to maintain relationships with consumers and carry out promotions through virtual tours. The formulation of the research problem is what is the role of virtual tours as promotional media in increasing interest in visiting village tourism? Novelty: The novelty of this research lies in the use of virtual tours as a promotional medium to increase millennial tourist interest by involving relevant stakeholders. Research Methods: research was conducted with a qualitative approach. Primary data was obtained through focus group discussions and interviews during the virtual tour. Secondary data was obtained through relevant literature. Finding/Results: a virtual tour of the three tourist villages that became the case studies in this study, namely Nepal Van Java in Central Java and Sade Village in West Nusa Tenggara, succeeded in providing information that attracted millennial tourists to visit. Conclusion: the virtual tour is an effective promotional medium in increasing interest in visiting tourist villages.","PeriodicalId":325965,"journal":{"name":"Ilomata International Journal of Management","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-05-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127073976","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Banking in Indonesia generally relies on loan interest income as the primary income in financing its operations. Not all credit extended is risk-free; some have sizable risks and can threaten the bank’s health. So to measure a bank's ability to overcome failure to take credit from debtors, the NPL ratio can be used. This study aims to analyse the influence of internal factors, namely: CAR, LDR, NIM, and OEOI, on NPLs of State-Owned Commercial Banks during 2015-2022. The research was conducted using a qualitative descriptive method with panel data using the financial statements of Bank BRI, Bank BNI, Bank Mandiri, and Bank BTN during 2015 - 2022. The results of this study indicate that CAR and BOPO have a significant positive effect on NPL, while LDR and NIM have a significant negative effect on NPL.
{"title":"Internal Factors Affecting the NPL of State-Owned Commercial Banks","authors":"Mohammad Sofyan, B. Purwanto","doi":"10.52728/ijjm.v4i2.737","DOIUrl":"https://doi.org/10.52728/ijjm.v4i2.737","url":null,"abstract":"Banking in Indonesia generally relies on loan interest income as the primary income in financing its operations. Not all credit extended is risk-free; some have sizable risks and can threaten the bank’s health. So to measure a bank's ability to overcome failure to take credit from debtors, the NPL ratio can be used. This study aims to analyse the influence of internal factors, namely: CAR, LDR, NIM, and OEOI, on NPLs of State-Owned Commercial Banks during 2015-2022. The research was conducted using a qualitative descriptive method with panel data using the financial statements of Bank BRI, Bank BNI, Bank Mandiri, and Bank BTN during 2015 - 2022. The results of this study indicate that CAR and BOPO have a significant positive effect on NPL, while LDR and NIM have a significant negative effect on NPL.","PeriodicalId":325965,"journal":{"name":"Ilomata International Journal of Management","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-04-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130340957","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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