DETERMINANT FACTORS OF NON-PERFORMING LOANS IN CHINESE COMMERCIAL BANKS

The purpose of this research is to identify the influence of GDP growth rate, bank interest rate, inflation rate, capital adequacy ratio, and return on asset towards non-performing loans in Chinese commercial banks partially and simultaneously. This study has applied descriptive statistical analysis, classical hypothesis testing, multiple linear regression, and hypothesis testing. When selecting the observation data, this research adopts the intentional sampling method and panel data, 70 units of observational data in total, one part of the data was taken from the financial reports of seven selected sample companies on the Shanghai Stock Exchange in China, and another part of the data was taken from the kyle website. The method used in a quantitative approach with the instrument is EViews 10. The result indicates that BIR and IFR have a partially negative significant influence on NPL. However, GDP growth rate, CAR, and ROA have a negative insignificant effect on NPL. Simultaneously, all of the independent variables have a significant effect on NPL which is described by the value of 63.9% and the left 36.1% is explained by another factor that is excluded in this study. Furthermore, IFR was chosen as the most significant factor which influences NPL.

INFLUENCE INCOME DIVERSIFICATION, BANK LIQUIDITY, AND FINANCIAL LAVERAGE ON PROFITABILITY WITH BANK EFFICIENCY, AS INTERVENING VARIABLES IN SHARIA COMMERCIAL BANKS 2015-2019

The purpose of this study was to determine the effect of Income Deverfication, Bank Liquidity, and Financial Laverage on Profitability with Bank Efficiency, as an Intervening variable in Islamic Commercial Banks in 2015-2019. This research uses quantitative research by using regression analysis as data analysis. This study uses secondary data in the form of time series annual data of Islamic commercial banks for the period 2015 to 2019. The required data is then analyzed using the SPSS 22 application tool. The results show that FBI, FDR have a positive and non-significant effect on ROA, DER has a negative and no effect. significant effect on ROA, FBI, FDR positive and not significant effect on ROA, DER negatively and not significant on ROA, BOPO positive and significant effect on ROA.Keywords: Income Deverfication, Bank Liquidity, and Financial Laverage on Profitability with Bank EfficiencyAbstrak Tujuan penelitian ini dilakukan adalah untuk mengetahui pengaruh Pengaruh Income Deverfication, Bank Liquidity, dan Financial Laverage terhadap Profitability dengan Bank Effeciency, sebagai variabel Intervening pada Bank Umum Syariah Tahun 2015-2019. Penelitian ini menggunakan jenis penelitian kuantitatif dengan menggunakan analisis regresi sebagai analisi data. Penelitian ini menggunakan data sekunder berbentuk time series data tahunan bank umum syariah periode 2015 sampai 2019. Data yang diperlukan kemudian dianalisis menggunakan alat bantu aplikasi SPSS 22. Hasil penelitian menunjukan bahwa FBI, FDR berpengaruh positif dan tidak singnifikan terhadap ROA, DER berpengaruh negatif dan tidak singnifikan terhadap ROA, FBI, FDR berpengaruh positif dan tidak singnifikan terhadap BOPO, DER berpengaruh negatif dan tidak singnifikan terhadap BOPO, BOPO berpengaruh positif dan singnifikan terhadap ROA.Kata Kunci: Income Deverfication, Bank Liquidity, dan Financial Laverage terhadap Profitability dengan Bank Effeciency.

FINANCIAL INTELLIGENCE OF SMALL ENTREPRENEURS IN MANAGING FINANCIALS

Micro, Small and Medium Enterprises have a significant contribution to the economy in Indonesia, but a phenomenon that often occurs is the problem of business actors who do not use financial reports in running their business but their business is still running, this study aims to find out how the financial intelligence of small entrepreneurs in managing finances his efforts.This research is a qualitative research, data collection techniques are carried out by observation, interviews, and documentation studies. Selection of informants using purposive sampling method based on the criteria that the informants are small entrepreneurs who have run their business for at least 5 years and do not make financial reports.The findings of this study indicate that the importance of financial intelligence in the financial management of micro, small and medium enterprises (MSMEs) is considered to be still poorly understood by entrepreneurs and still lacks understanding of financial reports. Small and medium entrepreneurs are still working on bookkeeping to the extent of recording income and expenses. As a result, the company's net income and income tax estimates are difficult to know. This becomes a difficulty for many small entrepreneurs to determine a business development strategy.

The Effect of Food Quality and Physical Environment on Revisit Interests with Consumer Satisfaction as Mediation Variable

This study aims to determine the effect of food quality and physical environment on interest in revisiting directly or through consumer satisfaction as a media variable. This research is quantitative research with an explanatory approach (cause and effect). The sample in this study was 100 consumers of Café Gendhis 1928 Semboro which were taken using a probability sampling technique, namely simple random sampling. This study uses multiple linear regression and path analysis with the help of IBM SPSS 26 software. This study has seven hypotheses, six of which are accepted and one is rejected. The results of hypothesis testing indicate that four paths have a significant effect, namely food quality on interest in revisiting by 0.396 with a significance of 0.000, the quality of food on consumer satisfaction is 0.532 with a significance of 0.000, the physical environment to consumer satisfaction is 0.270 with a significance of 0.003 and consumer satisfaction to the interest of revisiting is 0.531 with a significance of 0.000. The results of hypothesis testing indicate that two indirect pathways show a positive influence, namely food quality on interest in revisiting through consumer satisfaction of 0.282 and physical environment on interest in revisiting through consumer satisfaction of 0.143.

THE EFFECT OF SERVICE QUALITY ON CUSTOMER SATISFACTION ON PT. BANK BUKOPIN KABUPATEN SIDRAP, SULAWESI SELATAN

This research aims to find out and analyze how much the influence of service quality on customer satisfaction on PT. Bank Bukopin Sidrap. The Analysis method used in this study is multiple linear analysis. Where the method of collecting data is through Observation, Questionnaires, and interviews. The determination of the sample was determined by solving the formula and obtained by 344 respondents. The results of this study showed that the results showed that there is a tangible influence, reliability, responsiveness, assurance, and, empathy on customer satisfaction in PT. Bank Bukopin Sidrap. This is evidenced by the statistic Fhitung result of 9,339. The results of the R2 determinant test in this study obtained a determinant value of R2 of 0.621 which means that the magnitude of the influence of tangible variables, reliability, responsiveness, assurance, and empathy on customer satisfaction is 62.1% and the remaining 37.9% described other variables that are not included in this study.

TRAINING EFFECT CONTRIBUTE TO THE JOB SATISFACTION AND PERFORMANCE OF CIVIL SERVICE IN THE TRANSMIGRATION AND MANPOWER SERVICE OF BULUNGAN REGENCY

The rationale of this study was to analyze and prove the training effect on the performance of the Civil Service through job satisfaction variables. Type of research is included in explanatory research. The population is all employees of Transmigration and Manpower Office of Bulungan Regency about 55 persons. The number of samples in this study were 55 respondents. The sampling technique performed by using total sampling technique. Data analysis technique used a path analysis approach. The findings showed that training has a positive and significant effect on employee job satisfaction. Training has a positive and significant effect on employee performance. Job satisfaction has a positive and significant effect on employee performance. In step 1, training is proven to have a significant effect on employee performance. In step 2 when training and job satisfaction are regressed together to predict employee performance, training remains significant. Thus job satisfaction is able to mediate the effect of training on employee performance.

THE EFFECT OF COMPETENCE, WORK MOTIVATION AND COMPENSATION ON JOB SATISFACTION AND EDUCATIONAL PERFORMANCE AT THE FACULTY OF SCIENCE AND TECHNOLOGY, UNIVERSITAS AIRLANGGA SURABAYA

The purpose of this study was to determine the effect of competence, work motivation, and compensation on job satisfaction and performance of teaching staff in the Faculty of Science and Technology, Universitas Airlangga, Surabaya. This type of research used in this research is quantitative. The sample used in this study were 63 respondents who taken using the NonProbability technique. The data was collected by distributing a questionnaire with severa statements. While the technical data analysis used in this study is to use Partial Least Square (PLS). The results in this study indicate that 1) Competence does not affect job satisfaction 2) Work Motivation influences job satisfaction 3) Compensation does not affect job satisfaction 4) Competence affects performance 5) Work motivation affects performance 6) Compensation does not affect performance 7) Job satisfaction does not affect performance.

THE EFFECT OF CELEBRITY ENDORSEMENT AND THE REPUTATION OF THE @OOTD FESS FORUM ON CONSUMER BUYING INTEREST IN FASHION PRODUCTS AMONG MILLENNIALS, JAKARTA, 2020.

This explanatory study seeks to explain the impact of celebrity endorsement and reputation of the @OOTDFESS Forum as exogenous factors on customers' purchase intentions as endogenous variables. Using the questionnaire, the data was collected from 100 millennials aged 20 to 40 who are residents of DKI Jakarta Province. The hypothesis in this research was tested using the Partial Least Square Modeling (PLS-SEM) methods applied with the software of SmartPLS 3.0. The findings of this study indicate that (1) celebrity endorsers have a positive and significant effect on consumers’ purchasing intention. (2) The reputation of the @OOTDFESS Forum has a positive and significant impact on consumers’ purchasing intention. (3) The celebrity endorsement and the reputation of the @OOTDFESS forum simultaneously have an effect on buying interest. According to this research, celebrity endorsement and the reputation of the @OOTDFESS forum variables cause 66.8% of the changes in consumers' purchasing intentions in the fashion industry.

The Influence of Work Motivation and Religiosity on Teacher Performance through Commitment as Mediation at SMP NU Gresik District

This study aims to determine 1) the influence of work motivation on teacher performance 2) the influence of religiosity on teacher performance 3) the influence of work motivation on commitment 4) the influence of religiosity on commitment 5) the influence of commitment on teacher performance 6) the influence of work motivation on teacher performance by mediation commitment 7) the influence of religiosity on teacher performance by mediating commitment.This type of research is qualitative research using a saturated sample of 65 respondents. The analysis used is PLS 3.0, with endogenous variables of teacher performance, exogenous variables of motivation and religiosity, and variable as mediating commitment. The method used in collecting data is a questionnaire.Based on the results of this study, it proves that all hypotheses can be accepted (motivation, religiosity, commitment have direct and indirect influences on teacher performance). The results of the study showed significant results. Religiosity variables which have an important influence on commitment and performance are emphasized because high religiosity in a teacher will result in good performance and have an impact on high commitment. A teacher who has religiosity, he will work as well as possible because they have the belief that work is worship that expects Ridho from Allah, has a strong opinion that knowledge must be practiced and tries to make their students better because they feel that their students are entrusted which must be accountable to both parents and the organization, especially to the Almighty. The function of a teacher who is embedded in a teacher who has high religiosity assumes that the teacher must always preach, the center of knowledge and must always transfer his knowledge for the benefit of many people.Which in previous studies produced a positive but insignificant influence.It is hoped that the results of this study can add insight for the principal in improving teacher performance.

THE EFFECT OF A TRANSFORMATIONAL LEADERSHIP STYLE ON WORK ENGAGEMENT WITH WORK SATISFACTION AS INTERVENING VARIABLES IN K3PG

This study aims to analyze the effect of transformational leadership style and work satisfaction on work engagement. The population used in this study were 109 employees of the Petrokimia Gresik Family Employee Cooperative. The sampling technique used was purposive sampling with the criteria working period of at least 5 years, so the number of samples used was 80 people. The analysis model used is path analysis using SPSS. The research results show that: There is a positive and significant effect of transformational leadership style on work engagement, transformational leadership has positif effect on on work satisfaction, positive and significant effect of work satisfaction on work engagement, and There is a positive influence and significant transformational leadership style on work engagement through work satisfaction. Its indicated that the leaders should be consistent in applying transformational leadership styles and increase employee work satisfaction to increase work engagement for their employees. When employees have work engagement, they will become productive at work so they can make the best contribution to the company.