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Penelitian tentang persepsi dan kepemilikan generasi milenial terhadap Dana Pensiun Lembaga Keuangan (DPLK) bertujuan mendeskripsikan data dan informasi tentang DPLK melalui metode survei. Hasil penelitian menyimpulkan persepsi generasi milenial terkait DPLK masih tergolong rendah, karena 61% milenial tidak tahu tentang DPLK. Akibatnya, 86% generasi milenial yang bekerja belum memiliki program DPLK. Tingkat kepemilikian DPLK dari generasi milenial masih tergolong sangat rendah. Hanya 1 dari 10 generasi milenial yang memiliki program DPLK. Sebagai perencanaan hari tua, 78,5% generasi milenial mau membeli program DPLK secara individual, bukan diikutkan kantornya. Persepsi dan kepemilikan generasi milenial terhadap DPLK sangat dipengaruhi oleh 1) ketidak-tahuan manfaat DPLK, 2) kurangnya edukasi DPLK kepada generasi milenial, dan 3) tidak tersedianya akses membeli DPLK yang mudah. Agar generasi milenial tetap sejahtera di hari tuanya.

Pandemi COVID-19 telah mengubah perilaku masyarakat dalam menjaga kebersihan, terutama dalam kebiasaan mencuci tangan. Namun, setelah pandemi berakhir, kebiasaan ini mulai berkurang, ditambah dengan terbatasnya sarana cuci tangan yang tersedia. Di Kecamatan Colomadu, masih ditemukan rendahnya kesadaran masyarakat dalam menjaga kebersihan tangan. Untuk mengatasi hal tersebut, tim pengabdian masyarakat menginisiasi penyediaan alat cuci tangan portabel di beberapa fasilitas umum sebagai upaya untuk meningkatkan kesadaran masyarakat akan pentingnya kebersihan tangan. Kegiatan ini meliputi perencanaan dan desain alat, pembuatan dan instalasi, sosialisasi kepada masyarakat, serta monitoring dan perawatan berkala. Hasil pengabdian menunjukkan bahwa enam unit alat cuci tangan portabel yang dipasang di kantor kecamatan, pasar, dan puskesmas telah dimanfaatkan secara intensif oleh masyarakat, meningkatkan frekuensi kebiasaan mencuci tangan dan memperoleh apresiasi dari pemerintah setempat. Desain alat yang ergonomis dan sistem drainase yang efektif mendukung keberhasilan program ini, meskipun beberapa tantangan dalam perawatan dan koordinasi masih perlu diatasi. Kegiatan ini berhasil meningkatkan kesadaran kebersihan tangan dan dapat dijadikan model untuk implementasi serupa di wilayah lain guna mencegah penyebaran penyakit menular pasca pandemi.

The objectives of this study are: To determine the role of sea transportation in supporting the fulfillment of logistics needs through Timika Regency. To determine the strategy for developing sea transportation in supporting the fulfillment of logistics needs in Timika Regency. Research Objectives: 1) to determine the role of sea transportation in supporting the fulfillment of logistics needs through Timika Regency. 2) To determine the development of sea transportation in supporting the fulfillment of logistics needs through Timika Regency. The research method used is a qualitative descriptive research method. The research was conducted at the UPP Office and the Class II Timika Papua Tengah Port Authority. The research was conducted from March to June. The data collection techniques used were observation, documents, interviews. Research results: Efforts made by the UPP Office to improve ship safety at Timika Port 1) online inspection of ship documents and ship physicals 2) a. Opening access to isolated, remote, underdeveloped, and border areas to encourage increased local production and overcome disparities between regions. b. Connecting relatively underdeveloped inland areas with more advanced trade and government service centers. c. Establishing functional linkages between production areas and collection and distribution centers.

This study aims to determine the description of the incoming mail management procedure in the General and Personnel section at the post office. The type of research used is descriptive qualitative, namely the author describes the results of observations, interviews, documentation and analyzes data obtained in the field. The results of the study indicate that the process of managing incoming mail in the general and personnel section, namely incoming mail starts from receiving letters, directing letters, delivering incoming letters, processing letters, storing letters. The letter management procedure at the post office runs optimally.

This study aims to determine the description of the incoming mail management procedure in the General and Personnel section at the post office. The type of research used is descriptive qualitative, namely the author describes the results of observations, interviews, documentation and analyzes data obtained in the field. The results of the study indicate that the process of managing incoming mail in the general and personnel section, namely incoming mail starts from receiving letters, directing letters, delivering incoming letters, processing letters, storing letters. The letter management procedure at the post office runs optimally.

This research aims to measure the influence of Audit Skepticism, Auditor Competence and Time Budget Pressure on Audit Quality at Public Accounting Firms (KAP) in the South Jakarta and East Jakarta Regions. This research was conducted using a non-probability sampling approach with a purposive sampling method. The number of samples used in this research was 77 respondents. The design used in this research is hypothesis testing using the Structural Equitation Model (SEM) - SmartPLS v. 3.2.9. The results of this research indicate that (1) Audit Skepticism has a positive but not significant effect on Audit Quality; (2) Auditor Competency has a positive and significant effect on Audit Quality; (3) Time Budget Pressure has a positive and significant effect on Audit Quality..

This research aims to measure the influence of Auditor Experience, Audit Fees and Independence on Audit Quality at Public Accounting Firms (KAP) in the Bekasi Region. This research was conducted using a non-probability sampling approach with a purposive sampling method. The number of samples used in this research was 62 respondents. The design used in this research is hypothesis testing using the Structural Equitation Model (SEM) - SmartPLS 4.0. The results of this research indicate that (1) Auditor experience has a positive effect on audit quality; (2) Audit Fees have no effect on audit quality; (3) Independence has a positive influence on audit quality.  

This study aims to determine the influence that can occur between: (1) Independence on Audit Quality, (2) Competence on Audit Quality, (3) Ethics on Audit Quality, (4) Professionalism on Audit Quality, (5) Work Environment on Audit Quality. The sample used in this study is external auditors who work in 7 Public Accounting Firms in the Jakarta Area. The number of respondents in this study was 78 respondents. The sampling technique used in this study is purposive sampling which is one of the techniques in  the non-probability sampling group. The data collection method used in this study uses a questionnaire method. The design used in this study is hypothesis testing using SPSS statistical version 27. The results of this study show that (1) independence has a positive effect on audit quality, (2) competence has a positive effect on audit quality, (3) ethics has a positive effect on audit quality, (4) professionalism has a positive effect on audit quality, (5) work environment has a positive effect on audit quality.

This study aims to find out what factors are supporting and inhibiting in the credit card marketing process and to find out the marketing strategies carried out by the marketing staff of PT. Bank Negara Indonesia (Persero) Tbk, Maumere Branch Office in promoting or marketing credit card products. The design of this study uses a qualitative approach to understand the credit card marketing strategy in PT. Bank Negara Indonesia (Persero) Tbk, Maumere Branch Office. Data were collected through interviews and analyzed qualitatively. Based on the results of the study, it can be seen that credit card marketing is supported by factors such as a wide merchant network, ease of application, and effective marketing strategies, but is faced with challenges such as limited merchants in certain regions, low financial literacy, and competition with digital payment methods. Through Kearns' SWOT analysis, BNI Maumere Branch can implement the SO strategy by leveraging its strengths to seize opportunities, such as expanding cooperation with the education and tourism sectors and offering locally-based reward programs. The WO strategy is focused on improving financial literacy and incentives for small merchants. ST's strategy is used to strengthen customer service and highlight product excellence in the face of digital competition, while WT's strategy focuses on reducing costs and increasing transparency to attract more customers and strengthen competitiveness in the market.

The purpose of this research is to find out how much influence HR Training and Competency has on Employee Performance through Job Satisfaction as an Intervening Variable at the Lubuk Sikarah District Head Office, Solok City. The sample used was a saturated sample, because the entire population was sampled, namely 60 respondents. The data collection technique is through a questionnaire whose validity and reliability have been tested. Partial Least Square (PLS) was used to test the hypothesis in this research using SmartPLS 3.0. The results of this research show that there is a positive and significant influence of training on job satisfaction, a negative and insignificant influence of HR competency on job satisfaction, a negative and insignificant influence of training on employee performance, a positive and significant influence of human resource competency on employee performance, a positive and significant influence of satisfaction. Work on Employee Performance, Positive and significant influence of Training on Employee Performance through Job Satisfaction, negative and insignificant influence of HR Competency on Employee Performance through Job Satisfaction, Contribution of Training and HR Competency variables through Job Satisfaction which is 0.464 or 46.4%, the contribution of the HR Training and Competency variable to Employee Performance is 0.629 or 62.9%.

This research examines the influence of Auditor Experience, Training, and Understanding of the Code of Ethics on Audit Quality at Public Accounting Firms (KAP) in Bekasi. The dependent variable is Audit Quality, while the independent variable consists of Auditor Experience, Training and Understanding of the Code of Ethics.The research used a purposive sampling technique with a survey method, collecting primary data through a 1-5 Likert scale questionnaire. The research sample consisted of 101 respondents from 11 KAPs in Bekasi. Data were analyzed using SPSS version 26 with the Descriptive Statistical Analysis method, Validity and Reliability Test, Classical Assumption Test, Multiple Linear Regression Test, and Hypothesis Testing. The research results show that partially, Auditor Experience and Understanding of the Code of Ethics have a significant effect on Audit Quality, while Training does not have a significant effect. Simultaneously, these three variables have a significant effect on Audit Quality.

This research was conducted with the aim of testing and analyzing the influence of computer-assisted audit techniques, auditor competency and audit tenure on audit quality. The population in this study were auditors who worked at Public Accounting Firms in the Central Jakarta Region. The type of research used in this research is quantitative research with data sources originating from primary data. The number of samples that meet the criteria is 101 samples. Sample selection was carried out based on the willingness of respondents who met the specified criteria and were willing to participate in this research. The research method used in this research was designed through research steps starting from operational variables, determining the type and source of data, data collection methods, research models and ending by designing data analysis and hypothesis testing with the help of SPSS 27 software as an analysis tool. After testing, it was found that computer-assisted audit techniques, auditor competency and audit tenure had a positive and significant effect on audit quality.

This research aims to determine the effect of Organizational Culture and Training on Employee Performance with Work Motivation as an Intervening Variable at the Lubuk Sikarah District Office in Solok City, under the supervision of Dr. Dori Mittra Candana, SE, M.M., and Mrs. Selvi Zola Fenia, S.Psi, M.M. This is a quantitative study. Data collection was carried out through questionnaires, with a sample of 60 respondents at the Lubuk Sikarah District Office in Solok City. The analysis methods used are path analysis, partial least squares (PLS), outer model, inner model, and hypothesis testing. Data processing in this study was done using the SmartPLS 3.0 software.The research results can be concluded as follows: Organizational Culture has a positive and significant effect on Work Motivation; Training has a positive and significant effect on Work Motivation; Organizational Culture has a positive and significant effect on Employee Performance; Training has a positive and significant effect on Employee Performance; Work Motivation has a positive but insignificant effect on Employee Performance; and Organizational Culture can mediate the relationship between Training and Employee Performance with Work Motivation as the intervening variable at the Lubuk Sikarah District Office in Solok City.

This research discusses legal protection for banks as providers of Home Ownership Credit (KPR) facilities at Bank Tabungan Negara (BTN) Cibubur Branch Office. The aim of this research is to analyze the implementation of legal protection for banks in the event of default by the debtor, especially when the Deed of Granting Mortgage Rights has not been attached to the collateral object due to administrative obstacles. One of the main obstacles is the validity period of the Power of Attorney to Encumber Mortgage Rights which has expired before the process of installing Mortgage Rights is completed. The main problems in this research include: (1) the procedure for granting mortgages at the BTN Cibubur Branch, (2) legal protection for banks if they fail to install Mortgage Rights, and (3) factors that cause delays in installing Mortgage Rights. This research uses an empirical juridical approach with qualitative methods, based on applicable laws and regulations. Data collection techniques include literature study, observation, and interviews. The research results show that BTN Cibubur Branch has carried out procedures according to operational standards and strengthened its legal protection through credit agreements and notarial deeds. However, the relevance of the Power of Attorney to Encumber Mortgage Rights needs to be reviewed, considering the length of the administration process at the National Land Agency.

This study aims to design and develop a web-based meeting scheduling system at the North Sumatra Provincial Transportation Office using the First Come First Served (FCFS) algorithm method. This system is expected to optimize the meeting scheduling process by considering various factors, such as the availability of time and meeting room, as well as the needs of meeting participants. The Waterfall method is applied in the development of this system, which includes the stages of determining needs, system design, implementation, testing, and maintenance. First Come First Served (FCFS) in the meeting scheduling system at the North Sumatra Provincial Transportation Office can be applied to organize the queue of requests for the use of meeting rooms or meeting schedules based on the order of arrival of requests. The results of this study indicate that the implementation of a web-based meeting scheduling system can increase efficiency and reduce schedule conflicts at the North Sumatra Provincial Transportation Office. This system can facilitate the process of managing meetings and increase work productivity.

Service quality is a service that has a characteristic quality. Characteristics of good quality include ease, speed, accuracy, reliability and empathy from service officers in providing and delivering services to someone who has a strong impression that can be directly felt by customers at that time and at that time. This study uses a quantitative method. It can be concluded that the service quality variable (X) has a significant influence on applicant satisfaction (Y) at the Bima Immigration Office. The sig value (0.000) <0.05 is seen, which means that the quality of Passport services has an influence on the satisfaction of applicants at the Class II Non-TPI Bima Immigration Office.This study uses a quantitative method. The method used to obtain data and information in this study is by using a survey method using a questionnaire. The survey method used is by distributing questionnaires to applicants at the Class II Non-TPI Bima Immigration Office. The data analysis techniques used are validity test, reliability test, classical assumption test, significance test (t-test), and coefficient of determination test (R2 test).The discussion of the research aims to provide results and an overview of this research. According to the results of data analysis with simple linear regression, it shows that the variable X or service quality has an influence on the variable Y or passport applicant satisfaction with a significant value of service quality (X) on passport applicant satisfaction (Y) of 0.000 <0.05. In this study, the variable Service Quality (X1) has an influence on applicant satisfaction (Y), because if the quality of service (X) provided by the officer to the applicant is bad, it will cause dissatisfaction of passport user applicants, thereby reducing the applicant's loyalty in using services at Bima Immigration. And the value of the coefficient of determination or R square is 0.768, meaning that the service quality variable contributes 0.768 or 76.8% to passport applicant satisfaction.

At present, competition in the banking industry is very tight and each banking company competes in prioritizing their strategies to improve the quality of the services they provide to their customers. One of the keys to producing quality services is by conducting human resource development activities. To support this, PT Bank BNI has several programs that are used to improve the competence of employees including the Daily Exercise Employee Program 46 (DEEP 46), BNI Smarter, and trainings that are usually held by the BNI Corporate University (BCV) division. The purpose of this study was to determine and analyze human resource development and to determine the supporting and inhibiting factors at PT BNI (Persero). The research method used in this research is descriptive qualitative. The data collection techniques used are interviews, documentation, and observation. The results of the research on human resource development at PT Bank Negara Indonesia (Persero) from three indicators, namely, (1) Knowledge, there are still employees who do not understand the material and conduct their own class sessions with employees who are better at mastering the material that has been taught during training activities, (2) Skills (ability), there are still obstacles that affect the performance of employees, (3) Skills, there are still employees whose abilities do not develop after participating in training activities.

This study aims to determine the factors that influence customer decisions in choosing Mudharabah deposit products at PT Bank Sumut Marelan Raya Branch Office. This study uses variables of Service, Location, Religiosity that influence Mudharabah Deposit Customer Decisions. This research method uses quantitative research using data collection methods, namely questionnaires or questionnaires, while the data analysis technique used is the multiple regression analysis method. The population in this study were customers at PT Bank Sumut Marelan Raya Branch Office totaling 139 respondents from these respondents, the researcher only took a sample of 103 respondents. The data that has been obtained is then processed using the SPSS Version 25 application. Data processing and analysis techniques are, instrument testing, classical assumption testing, multiple regression analysis and hypothesis testing. From the results of simultaneous hypothesis testing, the Fcount value (85.042)> Ftable (3.09) was obtained, so it can be concluded that service, location and religiosity simultaneously have a significant effect on customer decisions. In addition, from the results of the determination test, it is known that the determination coefficient value in the Adjusted R Square column is 0.720, meaning that the variables Service, Location and Religiosity have an influence of 72.0% on the Customer Decision variable. While 28.0% is influenced by other variables not explained in this study. For the Service variable, the partial t-count value (2.572)> t-table (1.984) is obtained, meaning that the Service variable partially has a significant effect on Customer Decisions. The Location variable partially has a t-count value (3.090)> t-table (1.984), meaning that the Location variable partially has a significant effect on Customer Decisions. The Religiosity variable partially has a t-count value (4.842)> t-table (1.984), meaning that the Religiosity variable partially has a significant effect on Customer Decisions. The results of this study indicate that the variables of Service, Location and Religiosity have an effect on Customer Decisions Using Mudharabah Deposit Products at PT Bank Sumut Marelan Raya Branch Office

This service aims to socialize the application of Talent Management in the Tanah Grogot District Office, Paser Regency. This service method is qualitative. The results of this service include several stages. The talent identification stage is the initial stage that must be prepared and implemented in implementing talent management. This stage is a strategy for obtaining talent which is implemented through the critical job analysis stage. The second stage is talent placement and evaluation. The placement of talents into target positions is carried out based on a predetermined succession plan. Periodically, the talent committee updates the identification of positions that will be vacant and must be immediately succeeded by new officials

The purpose of this research is to determine the influence of employee roles (Attitude, Attention and Action) on achieving customer loyalty at PT. North Sumatra Bank Medan Karya Sharia Branch Office. The influence of employee roles (Attitude, Attention and Action) has a positive effect on achieving customer loyalty at PT. North Sumatra Bank Medan Karya Sharia Branch Office. Quantitative research is research that uses data in the form of numbers. This shows that (Attitude, Attention and Action) have a positive effect on achieving customer loyalty at PT. North Sumatra Bank Medan Karya Sharia Branch Office. (Attitude, Attention and Action) has an influence of 98.4% on achieving customer loyalty at PT. North Sumatra Bank Medan Karya Sharia Branch Office. Meanwhile, 1.6% is influenced by other factors not included in the regression model. The significance of the variables (Attitude, Attention and Action) is 0.000, which is less than the significant value level used, namely 0.05. The attitude variable is 26.116, the value is above the research value, namely 1.984. The Attention variable is 7.708, the value is above the research value, namely 1.984. The Action variable is 8.256, the value is above the research value, namely 1.984.