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Masita Wahyuni Asih 2024, The Effect of Non Performing Loan (NPL), Return on Asset (ROA), and Capital Adequacy Ratio (CAR) on Price to book value (PBV) at BUMN Banks listed on the Indonesia Stock Exchange for the 2018-2023 Period. Makassar STIM-LPI Management Science Study Program (supervised by Fausiah, S.E., M.Si. and Andi Herman Tellu, S.E., M.M.). The purpose of this study was to determine the effect of Non Performing Loan (NPL), Return on Asset (ROA), and Capital Adequacy Ratio (CAR) on Price to Book Value (PBV) at BUMN banks listed on the Indonesia Stock Exchange both partially and simultaneously. Price to Book Value (PBV) is the dependent variable (Y), and three independent variables (X) are used, namely Non Performing Loan (NPL), Return on Asset (ROA), and Capital Adequacy Ratio (CAR). Saturated sampling was used to obtain secondary data from a population of 4 banking companies listed on the Indonesia Stock Exchange. Descriptive statistics and classical assumptions, such as multicollinearity assumption and heteroscedasticity assumption, have been tested in relation to the research findings. The data analysis approach uses panel data regression, hypothesis testing, and the Fixed Effect Model (FEM) test. The partially tested study results show that while non-performing loans (NPLs) do not affect price to book value (PBV) significantly, there are return on assets (ROA) and capital adequacy ratio (CAR) that do. The findings of this study also simultaneously show that PBV is significantly affected by NPL, ROA, and CAR.

Leadership in the context of education plays a crucial role in determining the direction and quality of decision-making in the school environment. This study aims to describe the concepts of educational leadership and authority, and analyse the dynamics of power in school decision-making. Using a literature review approach, this research identifies various factors that influence decision-making by school leaders, such as sources of authority and power dynamics. The results show that effective leadership in education depends not only on formal authority, but also on the ability to manage power wisely. The implications of this study provide recommendations for school leaders in improving the quality of leadership and decision-making and offer important insights for the development of better education policies in the future.

In an era of increasingly intense business competition, the quality of human resources (HR) plays an important role in determining the success of the company. This research explores the impact of HR training and development on improving employee productivity as a strategic step to create a competitive advantage. Training is designed to strengthen employees' technical capabilities, while development aims to increase their intellectual and emotional capacity to face future challenges. The research findings show that well-designed training and development programs not only improve skills, but also increase employee motivation, satisfaction and loyalty. This in turn has a positive impact on work productivity and company competitiveness. This research uses a literature study approach by reviewing various literatures to understand the relationship between training, development and productivity. The results are expected to be a reference for companies in designing sustainable HR management strategies.  

This article aims to provide an in-depth insight into appropriate training objectives, so as to improve the effectiveness of education and training programs and achieve the desired results. In the context of organizational strategy and training program design, training objectives play an important role. Clear and purposeful training objectives can help improve the effectiveness of training programs, motivate trainees, and provide indicators of success that can be evaluated. This study used a qualitative descriptive approach. The data collection methods used were observation, interview, and documentation. The results showed that clear and well-defined training objectives are essential in designing an effective training program. The research also emphasizes the importance of training objectives in the context of organizational strategy, where appropriate training objectives can help the organization achieve its goals and respond to existing needs. This article contributes to the understanding of the importance of training objectives in improving the effectiveness of education and training programs. The results of this study can serve as a basis for organizations, especially the Central Kalimantan Province Human Resources Development Agency, in designing more effective training programs and ensuring the achievement of organizational goals through human resource development.    

Competition in the business world is indeed very tight in Indonesia, as in many other countries. Indonesia’s economic growth has created new business opportunities, attracting many MSMEs who were born to compete in pursuing a growing market share. The purpose of this study is to determine the implementation strategy of change management in an effort to improve business performance in fishery MSMEs in Karawang Regency. This study observes and analyzes using a descriptive quantitative approach. This study has an “ex-post de facto” nature. The implementation strategy of change management can make a significant contribution to improving business performance. Implementation strategies help organizations to be more responsive to changes in the market environment. This allows businesses to adapt more quickly to new trends and demands, maintaining competitiveness. Focusing on change drives a culture of innovation within the organization. Employees who feel encouraged to provide ideas and try new things can create innovative solutions to improve performance

This study aims to determine the effect of financial literacy and financial self-efficacy on risky credit behavior in using paylater (survey of students in tasikmalaya city). The method used in this research is a quantitative method through a survey approach. With a research sample of 100 students in Tasikmalaya City who use PayLater. The data used is using primary data. The analytical tool used in this research is multiple regression using SPSS 26.0. The results showed that financial literacy has a good assessment classification, financial self-efficacy has a good assessment and risky credit behavior has a good assessment classification for students in Tasikmalaya City who use PayLater. Simultaneously financial literacy and financial self-efficacy have a significant influence on risky credit behavior. Partially, financial literacy does not have a significant effect on risky credit behavior and financial self-efficacy has a significant effect on risky credit behavior in students in Tasikmalaya City who use PayLater.  

The dairy industry seeks to increase consumption through various marketing strategies, because from BPS data in 2020, the level of milk consumption in Indonesia is still low. The aim of this investigation was to analyze the impact of brand ambassadors, sales promotion, social media marketing, consumptive behavior, brand trust, also halal labels on purchasing decisions for Ultra Milk x ITZY products. This investigation uses a quantitative approach with a questionnaire instrument filled out by 245 respondents, where the data is analyzed using normality, heteroscedasticity, multicollinearity, validity, reliability, also multiple linear regression analysis tests. The outcome showed that all independent variables, namely the impact of brand ambassadors, sales promotion, social media marketing, consumptive behavior, brand trust, also halal labels had a significant impact on purchasing decisions both partially also simultaneously. Overall, these variables influence purchasing decisions by 92.4%. This study concludes that these marketing factors play an crucial role in impacting consumer decisions to buy dairy products, also can be used as a reference to improve marketing strategies in an effort to increase milk consumption in Indonesia.

The principal has an important role which is very helpful to the Cokroaminoto Islamic elementary school. in improving the quality of education, even though his role is only as PLT Principal, he carries out his duties well. Efforts to improve the quality of education are one of the factors in creating ideal education. This research wants to find out more about "The Role of Principal Leadership and Teacher Performance in Improving the Quality of Education" in accordance with the main problem raised, namely the relationship between principal leadership and teacher performance in improving the quality of education at the Cokroaminoto Surabaya Islamic elementary school. There are several factors that influence the increase in educational progress, including: a) competent teachers, b) facilities and infrastructure, c) implementation of curriculum and innovations implemented, d) student involvement, e) evaluation or supervision carried out by the Head of School, f) and administration education.  The aim of this research is to find out the role of the school principal as a leader, who has motivator competencies and indicators for educational staff who contribute to improving the quality of education.  This research method uses a qualitative approach and uses a case study research design. Data collection techniques used (1) in-depth interviews, (2) non-participant observation, (3) documentation studies. Data validity techniques use credibility, transferability, dependability and confirmability. Data analysis techniques use data reduction, data presentation, verification or conclusions. The conclusion of this research is that there is a link between school leadership and teacher performance in an effort to improve the quality of education at the Cokroaminoto Islamic elementary school, Surabaya.

This study aims to determine the effect of perceived organizational support and work-life balance on employee engagement with mediation of job satisfaction at PT Kurnia Ciptamoda Gemilang Kebayoran Lama South Jakarta. The sample in this study were 65 employees support unit of PT Kurnia Ciptamoda Gemilang. Data was collected through a questionnaire using google form. The sampling technique used in this study is the saturated sampling method (total sampling). Data analysis in this study used structural equation modeling (SEM) with SmartPLS version 4.1. Hypothesis testing with the PLS approach, carried out in two stages, namely testing the outer model and inner model. The results of this study indicate that Perceived Organizational Support has a significant effect on Employee Engagement while the Work-Life Balance and Job Satisfaction variables have an insignificant effect on Employee Engagement.

This research aims to analyze advertising and brand image on purchasing decisions for wild bee honey products. This type of research is research with a quantitative approach. The population in this research is all Wild Bee Honey customers. Determining the sample in the study used probability sampling using the Slovin formula so that the number of samples in this study was 97 employees. The data analysis method in this research uses SPSS analysis tools through validity, reliability, classical assumption tests, namely normality test, multicollinearity test, heteroscedasticity test, multiple linear regression, t test, F test and correlation and determination coefficients. The results of this research show that (1) Advertising variables influence purchasing decisions, this is proven by the significance value of 0.000 < 0.05. 2. The Brand Image variable has a significant effect on purchasing decisions, this is proven by the significance value of 0.000 < 0.05. 3. Simultaneous test results show that the advertising and brand image variables influence the decision to purchase wild bee honey. This can be proven by the Fcount result of 113.280 or a significance value of 0.000 < 0.05.

This research aims to determine and analyze the influence of compensation, work discipline and work motivation on employee performance at PT. Eka Silver Gold And Jewelry. This type of research is research with a quantitative approach. The population in this study were all employees of PT. Eka Silver Gold And Jewelry. Determination of the sample in the study used non-probability sampling through saturated samples so that the total sample in this study was 50 employees. The data analysis method in this research uses SPSS analysis tools through validity, reliability, classical assumption tests, namely normality test, multicollinearity test, heteroscedasticity test, multiple linear regression, t test, F test and correlation and determination coefficients. The results of this research show that (1) Compensation Variable with a sig value. 0.000 < 0.05, then the compensation variable influences employee performance (2) Work Discipline variable with a sig value. 0.000 < 0.05, then the work discipline variable influences employee performance (3) The work motivation variable with a sig. 0.000 < 0.05, then the motivation variable influences employee performance (4). From the results of these calculations, an Fcount of 25.680 is obtained, which means an Fcount of 25.680 and a sig value. 0.000 < 0.05 so Ho is rejected and H4 is accepted. So the independent variables Compensation, Work Discipline and Work Motivation together have an influence on employee performance at PT. Eka Silver Gold and Jewelry.

This study aims to analyze and enhance the effectiveness of Human Resource Management (HRM) at PT Indonesia Kyouei Saikyu, particularly in aspects of employee productivity, retention, and the company's competitive edge. This research employs a qualitative descriptive approach with a case study method, involving in-depth interviews, participatory observation, and document analysis. The findings indicate that improving employee retention strategies, optimizing training programs, and adopting technology in performance management positively impact employee productivity and loyalty. Additionally, strengthening organizational culture and structured career development have been proven to enhance job satisfaction and employee commitment to the company. The implementation of these recommendations is expected to help PT Indonesia Kyouei Saikyu achieve a stronger competitive advantage in an increasingly competitive global market. Therefore, the company can more effectively manage its HR assets, ensuring sustainability and long-term growth.    

This research aims to determine the influence of Leadership style and Work Discipline on Employee Performance at PT. Wita Kharisma Jaya Bersama Bekasi West Java. The method used is a quantitative method with a descriptive approach. The sampling technique used was Non Probability sampling with a sample of 65 respondents. In collecting data using observation techniques and distributing questionnaires. Data analysis uses validity tests, reliability tests, classical assumption tests, regression analysis, correlation coefficient analysis, coefficient of determination analysis, and hypothesis testing. The results of this research are that leadership style  has a significant effect on employee performance with the regression equation Y = 10,933 + 0.744 X1. The correlation coefficient value for the Leadership style variable is 0.829, meaning that the two variables have a very  strong level of relationship with a coefficient of determination of 68.7%. Hypothesis testing obtained a value of tcount > ttable or (11.751 > 0.244). Thus Ho1 is rejected and Ha1 is accepted. This means that there is a significant influence between Leadership style and Employee Performance. Work Discipline has a significant effect on Employee Performance with the regression equation Y = 5.933 + 0.841 X2. The Work Discipline correlation coefficient value is 0.878, meaning that the two variables have a very strong level of relationship with a coefficient of determination of 77.1%. Hypothesis testing obtained a value of tcount > ttable or (14.549 > 0.244). Thus, H02 is rejected and Ha2 is accepted, meaning that there is a significant influence between Work Discipline on Employee Performance. Leadership style and Work Discipline have a significant effect on employee performance with the regression equation Y= 4.939 + 0.291 X1 + 0.583 X2. The correlation coefficient value is 0.897, meaning that the independent variable and the related variables have a very strong level of relationship with a coefficient of determination of 80.4%. Hypothesis testing obtained a value of fcount > ftable or (127.119 > 3.14). Thus, Ho3 is rejected and Ha3 is accepted, meaning that there is a significant simultaneous influence between Leadership style and Work Discipline on Employee Performance at PT. Wita Kharisma Jaya Bersama Bekasi West Java.

Work-life balance is a condition where an individual is able to maintain a balance between the world of work and personal life in a sustainable manner. This balance is something that is expected by every employee, including non-managerial employees of the HCGA division of PT XYZ. The main objective of this study is to determine the achievement of employee work-life balance as reviewed from three aspects, namely time balance, involvement balance, and satisfaction balance. In addition, this study also identifies factors that support and inhibit the achievement of work-life balance in employees. This study uses a qualitative descriptive approach, namely by describing and analyzing the problems that arise. Qualitative research is based on primary data and secondary data. Primary data in this study were obtained by conducting observations, interviews, and documentation, while secondary data were obtained through books, previous research, and articles related to the research. The results of the study indicate that not all employees are able to achieve optimal work-life balance. Some employees, especially those from the recruitment and general affairs departments, feel that they have a good work-life balance thanks to work flexibility and the ability to manage time. However, employees from the people development and administration departments of HCGA actually experience difficulties due to excessive workload, additional tasks outside of their job descriptions, and lack of team management from superiors. The support of coworkers who help each other and create a supportive work environment is one of the main supporting factors in achieving work-life balance. On the other hand, work pressure outside of working hours and ineffective communication are obstacles that are often faced. This study only uses one variable so that it cannot fully describe the relationship with other aspects such as work stress or job satisfaction. Therefore, further research is recommended to explore more variables in order to provide a more comprehensive understanding of work-life balance in the work environment.  

This research aims to identify and analyze effective tactics used by teachers in increasing the learning motivation of fifth grade students at Tempel Elementary School. Using a qualitative approach with a case study method, data was collected through classroom observations, in-depth interviews, and document analysis. The research results show that several effective tactics include: (1) Project-Based Learning Approach which involves students in practical and relevant activities, (2) Use of varied learning media such as educational videos and teaching aids to make lessons more interesting, (3) Providing Constructive Feedback that helps students feel valued and motivated, (4) Creation of a Positive and Supportive Classroom Environment that makes students feel safe to participate, and (5) Use of Interactive Learning Methods such as group discussions and educational games that increase students' active participation. These findings indicate that these strategies effectively increase students' learning motivation, which contributes to increasing their participation, interest and learning outcomes. This research provides practical implications for teachers in developing effective teaching strategies and becomes a reference for developing teacher training programs and educational policies that support the creation of a learning environment that motivates students.    

Mentoring has proven to be successful in developing employees in various industries, such as mattress-making companies in Tulungagung Village. The extent to which mentoring can improve employee skills and performance in the mattress-making industry is the subject of this qualitative research. Research on mattress making was conducted through in-depth interviews with employees involved in the mentoring program. To find patterns and themes that emerged in their experiences, a qualitative approach was used to analyze the data collected. The results showed that the mentoring program had a significant positive effect on employee growth. Employees indicated an increase in their understanding of the mattress manufacturing process, more efficient work techniques, and better interpersonal skills. They also said that they feel more confident and motivated to do new things.

This research aims to determine the HR information system on employee performance through employee work evaluation. This research was conducted within the scope of the Tojo Una - Una Regency Regional Work Unit. The research method used is quantitative with a survey approach. Basic data was collected through distributing questionnaires to a total of 97 research samples. The data analysis technique used is SEM-PLS Structural Equality Modeling. The results of this research show that the HR information system has a positive and significant effect on employee performance through job evaluation. Thus, the conclusion that can be drawn from this study is: to increase the influence of the HR information system on employee performance through job evaluation, by following all procedures and regional regulations by paying attention to the stages that have been implemented by the SKPD.

The rapid progress in information and communication technology coincides with globalization in the field of human resource management and will determine the status of human resource management in companies now and in the future. The author uses a quantitative research method through a random sampling approach and data collection process through distributing questionnaires. The research sample used 30 staff who were taken randomly from 45 marketing staff. The results of this study indicate that flexibility and innovation behavior factors have an effect on employee retention at PT Jaya Jagat Raya.

Transportation makes it easier for people to carry out their daily activities. Transportation is really needed by the community, considering the density of people's activities which require moving from one place to another and also makes it easier for people to order the goods or food they want from a place that consumers want. Therefore, drivers with personality, emotional intelligence and good motivation are needed, where there is a decline in the performance of gofood drivers, one of which is the gofood driver in Bandar Lampung. This research aims to examine the influence of Personality, Emotional Intelligence, and Motivation on the Performance of Gofood Drivers in Bandar Lampung City from an Islamic Business Perspective. This research used a quantitative approach with a sample of 98 gofood drivers in Bandar Lampung. Sampling was carried out using an associative approach which connects one variable to another variable. The data analysis method uses SPSS (Statistical Program for Social Science) version 20 and then the data obtained is processed using SPSS 20 software. Data analysis in this research uses multiple linear regression analysis with Personality, Emotional Intelligence and Motivation as independent variables and performance as the dependent variable .Based on the research results, it shows that personality does not have a significant effect on the performance of Gofood drivers. Emotional Intelligence also has no significant effect on Gofood driver performance. Motivation has a positive and significant influence on Gofood driver performance. However, personality, emotional intelligence and motivation simultaneously have a significant effect on the performance of gofood drivers in Bandar Lampung City.

This study aims to analyse the workload of doctors at Ubhara Jaya Primary Clinic in order to improve the efficiency and quality of medical services. Effective human resource management, particularly in managing doctors' workload, is essential to provide fast, precise, and quality health services. This study uses the Full Time Equivalent (FTE) method to measure and analyse doctor workload. Interviews and direct observation were used to get primary data, while secondary data was collected from relevant documents such as doctors' work schedules, monthly reports, and medical records. The research method used is descriptive with a quantitative approach, as well as literature review as a theoretical basis. The overall results of the various activities carried out by doctors at the Ubhara Jaya Primary Clinic show that the FTE index value is below the normal limit, these results indicate the need for additional workload and do not require additional labour for each activity performed.