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Afrizal Afrizal; Henmaidi Henmaidi

Jurnal Manajemen dan Ekonomi Bisnis 2022 Pusat Riset dan Inovasi Nasional

This study aims to determine and analyze what factors can influence a Purchase Decision (study at Elegant Soes Bukittinggi store). The population in this study are customers who have shopped at the Elegant Shoes store, especially those who live in the city of Bukittinggi with a total sample of 100 respondents who were taken using the Purposive Sampling technique. Primary data collection uses questionnaires distributed to customers who have shopped at the Elegant Shoes store and secondary data collection uses literature studies from reading sources such as books, journals, websites and articles related to research. The results of hypothesis testing in this study state that all hypotheses can be accepted, where the Consumer Behavior variable has a positive and significant effect on the Purchasing Decision variable. This Purchase Decision identifies that the higher the usefulness of the product and the suitability of the product to the consumer's purchase value, the higher the value of the purchase decision and the Online Promotion variable has a positive and significant effect on the Purchase Decision variable, this indicates that the higher the intensity of online promotions carried out by the Elegant Shoes store it can improve the purchasing decisions made by consumers.

Manahan Situmorang; Dumartina Hutahuruk; Jon Kenedy Marpaung; Siti Nurbaya; Natanael Priltius

Nusantara: Jurnal Pengabdian kepada Masyarakat 2022 Pusat Riset dan Inovasi Nasional

Blood donation activity is the obligation of every community as a form of concern for others. Many people do not know about the health benefits of blood donation. There are even people who are reluctant to donate blood because they are worried about the side effects it causes. In fact, by donating blood, the blood cells in the body are replaced more quickly with new ones. The purpose of this activity was to carry out the HISFARMA Social Service and Persit KCK HUBDAM I/BBU Community Pharmacy Seminate Association PD IAI North Sumatra. This activity was carried out by conducting a site survey with the implementation team, meeting with Representatives of PERSIT KCK HUBDAM I/BBU, Medan, North Sumatra. This activity was opened by the presenter, after that singing the Indonesia Raya anthem, welcoming remarks, followed by blood donation activities, blood sugar checks, a careful echo talk show and ended with a group photo. Implementation of community service in the form of social services in educating the public on the importance of blood donation, blood sugar checks and careful echo talk shows. Health Checkup has many benefits. When donating blood, the blood cells in the body are replaced more quickly with new ones. If you donate blood once every three months, your body will stay healthy. Besides being useful for helping others, blood donation also makes our bodies healthier. So it can be concluded that this activity has a good impact and influence on people's knowledge in carrying out this activity.

Lita Wulantika; Putri Sesah Nirmala Sari

Jurnal Manajemen dan Ekonomi Bisnis 2022 Pusat Riset dan Inovasi Nasional

This study aims to determine the effect of teacher professional competence and learning environment on learning motivation during the Covid-19 pandemic. The method used in this study is an analytical approach, namely a quantitative approach and descriptive and verification methods. The samples used in this study were all students of class XII one of the Senior High Schools in the city of Bandung, so the number of samples used in this study were 123 samples. The analytical tools used in this study are multiple linear regression analysis, classical assumption testing, namely normality test, heteroscedasticity test, autocorrelation test, multicollinearity test, coefficient of determination analysis and hypothesis testing using the SPSS v25 a The results showed that the results of the T-Test of teachers' professional competence had a significant and significant effect on learning motivation, the learning environment had a significant and significant effect on learning motivation. In accordance with the results of the F test is a significant effect on learning motivation.

Trustorini Handayani; Sabila Nurjamilah

Jurnal Manajemen dan Ekonomi Bisnis 2022 Pusat Riset dan Inovasi Nasional

There has been a lot of rapid growth in Micro, Small and Medium-sized Enterprises (MSMEs) in Indonesia in recent years. MSMEs are critical to the overall health of the national economy. They are responsible for creating jobs and generating profits, which in turn helps support other parts of the economy. The development of MSMEs is hoped to reduce the unemployment rate, which will result in an increase in people's purchasing power and growth in the country's economy. The purpose of the study is to see an overview of how business motivation and performance and the impact of business motivation on the performance of business actors. The population is 461 business actors. The sampling technique using the Slovin Formula was obtained by a sample of 81 people. The analysis method in this study uses descriptive and verificatif analysis consisting of regression analysis, correlation, coefficient of determination. The results of the descriptive analysis show that business motivation has a score of 81.36 which means that business actors have excellent business motivation with the lowest score on the expectation indicator and the highest score on the intensive indicator. As for the Business Performance variable, it has a score of 69.52 which means that business actors already have good business performance with the lowest score on the indicator of increasing sales and the highest score on the indicator of increasing profits. The results of the verificative  analysis Business motivation has a significant effect on business performance in the Sukaregang Kulit Industry Center, Garut Regency. Good business motivation is needed to support business performance.

Syafaruddin Syafaruddin; Ambo Masse; Khaeriyah Khaeriyah; Baso Arisandi; Nurasia Natsir

Journal of Management and Social Sciences (JIMAS) 2022 Sekolah Tinggi Ilmu Administrasi (STIA) Yappi Makassar

This study aims to see the effect of the effectiveness of electronic attendance (finger print) on employee discipline, both in terms of attendance level, convenience and comfort in the attendance process and the application of electronic attendance (finger print) in making it easier for superiors to see employee discipline both in terms of attendance, as well as employee discipline. The results of the study show that the application of finger print attendance has increased employee work discipline, seen from the achievement of targets after the application of finger print attendance has been achieved, where it is known that there are still many employees who are disciplined at work such as arriving on time to the office. Adaptability, employees already understand the procedures regulations for using finger print attendance and being able to adjust from manual attendance to finger print attendance due to previous trials. Job satisfaction for employees is good because of additional employee income (TPP). While the responsibilities of the employees have progressed but not maximized, because there are still employees who leave the office after filling in absences for personal needs. has not increased, there are still many employees who come late to the office. This study discusses the effect of finger print absences on employee discipline. This research is motivated by the problem of the level of punctuality of employees when entering and leaving work, so that it becomes an interesting phenomenon to study. This type of research is qualitative research. Data collection techniques used in this study through interviews, observation, and documentation.

Naufal Anasyi; Fransi Arsani; Mustoha Mustoha

Jurnal Riset Rumpun Ilmu Kesehatan 2022 Pusat riset dan Inovasi Nasional

Surgery still often causes various problems, one of which is pain, but the problem of pain during and after surgery can be overcome by anesthesia technique. One of them is spinal anesthesia technique. However, spinal anesthesia still has drawbacks where the duration of sensory and motor blockade is still very short. Various methods are used to prolong the duration of sensory and motor blockade of spinal anesthesia, one of which is the addition of adjuvants such as fentanyl and clonidine. This study was conducted to compare the speed of onset of action of sensory-motor blockade and the lengthening of duration of action of sensory-motor blockade between the addition of 25 g fentanyl compared to 50 g conidine in 10 mg hyperbaric 0.5% bipivacaine administered under spinal anesthesia. This study used a Randomized Control Trial (RCT) design with a double-blind randomized control trial and was conducted at Mitra Plumbon Hospital Cirebon from March-April 2021. There were 42 patients who met the inclusion criteria who underwent surgery with spinal anesthesia. Patients were divided into 2 groups, group 1 used 10mg hyperbaric 0.5% bupivacaine plus 25µg fentanyl, while group 2 used 10mg hyperbaric 0.5% bupivacaine plus 50µg clonidine. We investigated the onset of action and duration of action of sensory-motor blockade, the effect of hemodynamic shock, the effect of sedation levels and intraoperative adverse effects (side effects). Data analysis using SPSS 20.0. In the group of 10 mg bupivacaine 0.5% hyperbaric plus clonidine 50 g, the onset of action of sensory-motor blockade was faster and the duration of action was longer than in the group of 10 mg bupivacaine 0.5% hyperbaric plus 25 g fentanyl with a P value <0.05. Likewise, the effect of hemodynamic fluctuations in the 10mg hyperbaric 0.5% bupivacaine group plus 50 g clnidine was more stable than the 10mg hyperbaric 0.5% bupivacaine group plus 25 g fentanyl. While the effect of the level of sedation and intraoperative side effects are comparable

Tri Badi; Sulastri Sulastri; Immanuel Rianto Sitorus

Jurnal Riset Rumpun Ilmu Kesehatan 2022 Pusat riset dan Inovasi Nasional

The combination of low-dose intrathecal morphine with spinal anesthesia provides an effective and safe postoperative analgesia effect and may enhance the analgesia effect of bupivacaine. At Vita Insani Hospital, almost all patients who will undergo S.C surgery are generally carried out with spinal anesthesia by an anesthesiologist with habitual drug use and the dose used is bupivacaine 0.5% hyperbaric 12.5 mg plus adjuvant morphine 0.2 mg. Seeing the phenomenon of this case, the researcher wanted to see how the description of the effect of giving bupivacaine 0.5% hyperbaric 12.5 mg plus adjuvant morphine 0.2 mg which is commonly used in spinal anesthesia on the duration of analgesia and pain response time that will be felt by patients after sectio caesarea surgery at RS Vita Insani. The research design used is a quantitative descriptive method with a cross sectional approach, with the method used in this research is a prospective descriptive conducted in the post-surgical treatment room (recovery room) Central Surgical Installation (IBS) Vita Insani Hospital from May 2021 to July 2021. This study only uses one group because it only describes the results of a condition. The number of samples as many as 63 samples with purposive sampling technique in accordance with the inclusion and exclusion criteria that have been determined The respondents felt the most pain starting at 3 hours of postoperative assessment with respondents who felt mild pain as many as 31 cases (49.2%) and at least respondents who felt severe pain as many as 5 cases (7.9% ). and pain increased at 4 hours postoperative assessment, namely moderate pain. However, it can also be seen at 0 to 2 hours of postoperative pain assessment that more respondents still do not feel pain. That the duration of analgesia began to decrease in the first hour and then the most significant postoperative pain was felt at 3 hours postoperatively. So that other pain management is needed to reduce the pain experienced by patients such as relaxation techniques, distraction and collaboration of pharmacological therapy in dealing with postoperative pain.

Dwi Suci Asriani; Sherly Mutiara

Jurnal Riset Rumpun Ilmu Kedokteran 2022 Pusat riset dan Inovasi Nasional

This study aims to evaluate the effectiveness of lying leg curl exercises in increasing leg muscle strength among futsal players. Optimal leg muscle strength is crucial for futsal players to enhance performance and reduce the risk of injury. The research employed an experimental method with a pre-test and post-test design, involving 20 futsal players divided into two groups: the intervention group, which participated in an 8-week lying leg curl exercise program, and the control group, which did not receive any intervention. Leg muscle strength was measured using a dynamometer before and after the training program. The results showed that the intervention group experienced a significant increase in leg muscle strength compared to the control group (p < 0.05). These findings indicate that lying leg curl exercises are effective in improving leg muscle strength among futsal players, contributing to better on-field performance. This study is expected to provide insights for coaches and athletes in designing more effective training programs to enhance muscle strength.

Maya F. Roman; Abdonia W. Finmeta; Nur Aini Bunyani; Aldi Poenomo; Windy Djo Hau +1 more

Jurnal Riset Rumpun Matematika dan Ilmu Pengetahuan Alam 2022 Pusat riset dan Inovasi Nasional

A study has been conducted in the village of Noelbaki research was conducted in August to October 2022 Month in the Village Oebelo District of Central Kupang Kupang regency, with the aim of knowing the effect of growth regulators on the growth, hasildan konsentari most effective plant eggplant. Research using a completely randomized design (CRD), which consists of four fertilizer treatments Atonik namely T0: without treatment (control); T1: 0.5 ml / liter of water; T2:: 0.75 ml / liter of water -; T3:: 1.0 ml / liter of water is repeated 3 times. Anova test results if there is a real effect then continued with Duncan Multiple Test.The results showed that treatment Atonik fertilizer with a dose of 1.0 ml / liter of water provide the best results on plant height number of leaves and number of fruits and fruit number even though the treatment is not significant to the treatment amount of interest and the amount of fruit.

Dewiyanti, Dewiyanti; Wirda, Wirda; Suardi, Suardi; Oktaviana, Dina; Alwi, Alwi

Jurnal Kesehatan Medika Udayana 2022 Sekolah Tinggi Ilmu Kesehatan Kesdam IX/Udayana

Background : Early mobilization has a role in the healing process of postoperative patients. One of the nurse's roles in the recovery process is as an educator. Purpose :  of the study was to determine the effect of early mobilization counseling on knowledge of the implementation of early mobilization in postoperative patients at the BLUD RSUD H. Padjonga Daeng Ngalle, Takalar Regency. Methods: pre experimental design with a one group pre post test design with the sampling technique used is accidental sampling with a total of 34 respondents. Results: using the Wicoxon test, the calculated value was obtained with a value of = 0.000 <0.05. Conclusion: there is an effect of early mobilization counseling on knowledge of the implementation of early mobilization in postoperative patients at the BLUD RSUD H. PadjongaDaengNgalle, Takalar Regency.

Wijaya, Sapondra; Dwi Ari Wibowo, Wahyu; Susmini, Susmini

Jurnal Kesehatan Medika Udayana 2022 Sekolah Tinggi Ilmu Kesehatan Kesdam IX/Udayana

Background: The spread of Covid-19 during a pandemic is a problem that is of the utmost concern. One of the activities that are at risk of being infected with Covid-19 is going out of the house and visiting health facilities which are the most frequently done. One of the groups who are susceptible to disease are children. Many diseases that often occur in children, including diarrhea. When a child has diarrhea, mother will take the child to a health facility, even though there are the prone place to Covid-19 transmission. Therefore, there is a need for socialization about mother’s vigilance of diarrhea in children at home, so that mothers can make the best decisions for their children. Purpose: The purpose of this study was to determine the effect of the Mother's Smart Card, which is a simplification of the MTBS book, on maternal vigilance in the management of children with diarrhea in the pre-hospital phase. Methods: This study used a quasi-experimental design with a pre and post-test approach with purposive sampling technique on 30 mothers. Mother's vigilance is measured by the way the mother behaves and the mother's accuracy in making decisions when the child has diarrhea. The measurement uses a questionnaire Results: The results of data analysis using paired t-test showed that there was a significant effect of the Mother's Smart Card on maternal alertness in the management of children with diarrhea at home with a p value of 0.000. Conclusion: This means that the Mother's Smart Card can increase mother's vigilance in the management of pre-hospital child diarrhea. With this result, it is hoped that the Smart Mother Card can be a reference in increasing mother’s vigilance, and minimizing treatment at inappropriate health facilities that can put the risk of Covid-19 transmission at risk.

Ismail Ismail; Hasruddin Dute; Moh. Ali Mahmudi; Muhamad Thoif; Muh. Abdul Mukti

Jurnal Riset Rumpun Ilmu Pendidikan 2022 Lembaga Pengembangan Kinerja Dosen

This study aims to analyze the principal’s efforts in improving the quality of Islamic Religious Education (PAI) learning at SMP Hikmah Yapis Jayapura. PAI learning plays a significant role in shaping students’ faith, morals, and personality in accordance with Islamic teachings derived from the Qur'an and Hadith, as well as the exemplary conduct of the Prophet Muhammad SAW. In this context, the principal, as an educational leader, holds a strategic role in managing, guiding, and enhancing the performance of PAI teachers to ensure that the learning process is carried out effectively and contributes positively to students’ spiritual and character development.This research employs a qualitative approach with a descriptive design. The subjects of the study include the principal, PAI teachers, and students of SMP Hikmah Yapis Jayapura. Data were collected through observation, in-depth interviews, and documentation to obtain comprehensive and contextual information regarding the implementation of PAI learning. The data analysis process was conducted through data reduction, data presentation, and conclusion drawing. To ensure the validity and reliability of the findings, source and technique triangulation were applied.The results indicate that PAI learning at SMP Hikmah Yapis Jayapura is not only conducted in the classroom through the delivery of materials related to aqidah, morals, fiqh, and the Qur'an and Hadith, but is also strengthened through various religious programs integrated into the school culture. The principal’s efforts to improve learning quality include conducting regular academic supervision, involving teachers in professional development programs, providing work motivation, and consistently monitoring the learning process. Additionally, religious activities such as Qur'an memorization programs, daily Qur'an recitation before lessons, and routine dhikr and salawat activities support the internalization of Islamic values.Supporting factors include the principal’s active leadership and professional experience, while inhibiting factors consist of limited infrastructure, administrative burdens, and varying levels of teacher competence. Overall, these efforts have contributed positively to improving the quality of PAI learning and fostering students’ character development.

Tati Karyawati; Yusriani Saleh; Nurhidayati Nurhidayati; Iin Nur Aeni

Jurnal Riset Rumpun Ilmu Kedokteran 2022 Pusat riset dan Inovasi Nasional

Background: Lower back pain is one of the complaints felt by almost all pregnant women, especially in the third trimester due to stretching, especially in the spine due to the enlargement of the uterus. Efforts to reduce back pain in pregnant women non-pharmacologically include warm compresses. The aim of the research was to determine the effect of warm compresses on the level of lower back pain in third trimester pregnant women. Method: This research uses a pre-experiment method with a research design using one group pre test post test. The sampling technique used total sampling, totaling 40 pregnant women in the Kutamendala Community Health Center Working Area, Brebes Regency. Results: Of the 40 respondents before the warm compress was applied, it was found that 30 respondents (75%) experienced mild levels of lower back pain, while 10 respondents (25%) experienced moderate levels of lower back pain, and after doing this Warm compresses showed that 32 respondents (80%) did not complain of lower back pain, while 8 respondents (20%) experienced low back pain at a mild level. The results of the analysis using the Wilcoxon test showed p value = 0.000 < 0.05. Conclusion: There is an influence of warm compresses on the level of lower back pain in third trimester pregnant women

Usmar Ismail; Sismiati Sismiati; Syarifuddin Sulaiman

Jurnal Ilmiah Serat Acitya 2022 Universitas 17 Agustus 1945

The purpose of this study was to analyze and test the influence of position characteristics and team work on employee performance. This research was conducted at the Office of the Public Works & Public Housing Agency, Bogor Regency, West Java. The population in this study were all employees with the status of State Civil Apparatus (ASN) at the Bogor District Public Works & Public Housing Service. The population in this study were 287 people. By using the Slovin formula, a total sample of 167 people was obtained. The analysis technique used is multiple regression analysis. The results of the analysis show that job characteristics and team work have a significant effect on employee performance.    

Agus Sholahudin Shidiq; Farida Isroani

Tabsyir: Jurnal Dakwah dan Sosial Humaniora 2022 STAI YPIQ BAUBAU, SULAWESI TENGGARA

This research aims to examine Self-Submission as a Preventive of Radicalism in Realizing Cross-Cultural Harmonization. Tawakal is a work of the heart, spiritual work, a worship whose meaning is very difficult, but needs to be implemented in reality. Tawakal must be linked to the law of cause and effect, so that tawakal is no longer defined as being silent without any activity. Tawakal will encourage a person to have a sense of optimism and courage in facing all life's problems. All of these values ​​exist in the religions of Islam, Christianity (Protestant and Catholic), Hinduism and Buddhism. The equal value of surrendering oneself to God is manifested in worship activities both individually and in congregation. In all religions there is a value of servitude which includes the value of surrender.

Triana, Komang Yogi; Ani, Ni Luh Putu Mey; Dewi, Desak Putu Risna

Jurnal Kesehatan Medika Udayana 2022 Sekolah Tinggi Ilmu Kesehatan Kesdam IX/Udayana

Background: Babies with low birth weight have a high risk of death and disability during their growth period. Nurses need to take a role in reducing the risks that may occur in babies with low birth weight. The baby's weight gain is one of the absolute requirements to pursue the appropriate growth stage. Kangaroo Mother Care method is one of the most commonly used intervention options today. However, the difference in the duration of Kangaroo Mother Care implementation is still a matter of debate for many parties. This study aims to analyze the difference in the effectiveness of Kangaroo Mother Care duration of 1 hour and 2 hours on increasing the weight of babies with low birth weight. Methods: This research is a quasi-experimental research using a pre-posttest design approach with control group design. Respondents in this study were babies with birth weight 1500-2500 grams in the Neonatal Intensive Care Unit in September-November 2020, totaling 30 respondents. Sample selection was done by purposive sampling. Results: This study showed a significant difference in weight gain in low birth weight infants after performing Kangaroo Mother Care with a duration of two hours compared to a duration of one hour. Conclusion: The Kangaroo Mother Care program with a duration of two hours is recommended to be applied to premature babies or low birth weight babies to optimize baby growth and development care.

Anggia Ramadhan; Ahmad Fadlan; Nurul Nabila Utami

Proceeding of The International Conference on Economics and Business 2022 Universitas Kristen Indonesia Toraja

This study aims to determine and analyze the influence of tourism promotion, tourist attractions, tourist facilities, accessibility, service quality, accommodation, tourist age, and tourist income in Batu Katak Tourism Object, Batujonjong Village, Bahorok District, Langkat Regency. This study used primary data collected to see the classification of tourist visit levels using a sample of 90 visitors to tourist attractions, using the Confirmatory Factor Analysis (CFA) analysis method and then using Multiple Linear Regression. The results of the study showed that of the 8 variables analyzed using a factor analysis model that affects the level of tourist visits to Batu Katak, only 3 factors affect the level of tourist visits, namely tourism promotion, service quality, and tourist income. Based on the results of multiple linear regression analysis, it shows that tourism promotion and service quality have an effect and are signed on the factors of Batu Katak tourism visitation rates, while tourist income has an effect and is not significant on the level of tourist visits to Batu Katak Batujongjong Village, Bahorok District, Langkat Regency.    

Robert Hendra Yudianto; Adnan Setyoko

Jurnal Riset Rumpun Seni, Desain dan Media 2022 Pusat Riset dan Inovasi Nasional

Packaging has multiple roles that greatly affect the target audience and even the target market. Not only does it play a role in protecting or facilitating distribution, far from that, packaging can communicate many aspects at the same time even in the absence of sales. Packaging deserves special attention and is done optimally as an effective communication medium. This study tries to describe the visual strategy on instant noodle packaging which is the market leader in Indonesia, namely Indomie. Indomie As the only brand that is able to dominate 70% of the market compared to its closest competitor, only 16%. Although not the only major factor, there are many interesting things that we can describe from the visual strategy that has been implemented by Indomie producers in competing with similar products. This research was conducted using descriptive qualitative methods to determine the visual strategy by outlining the graphic elements of the packaging. The results of this study indicate that a strong visual identity is able to influence consumers to more quickly recognize their products and at the same time conduct persuasion to choose their products in the ranks of other similar products.

Saputro, Dicky Febri Ragil; Roesjanto, Roesjanto

Jurnal Universal Technic (UNITECH) 2022 Fakultas Teknik Universitas Maritim AMNI Semarang

Traffic safety is influenced by several factors including Driver Discipline, Law Enforcement, Motorcycle and Road Conditions. Of the three, have an important role in improving traffic safety with satisfactory results. The purpose of this study was to determine whether or not there is an effect of Driver Discipline, Law Enforcement, Motorcycle and Road Conditions on Traffic Safety on Jl. Holy-Pati Raya In this study, the research population is Traffic Safety on Jl. Raya Kudus-Pati with a sampling system with a total of 100 respondents (sample). The variables in this study consist of: the independent variable is Driver Discipline (X.1), Law Enforcement (X.2), and Motorcycle and Road Conditions (X.3) and the dependent variable is Traffic Safety (Y). The research model is multiple linear regression analysis. The results of the analysis with statistical tools SPSS V.16 program obtained multiple linear regression equation Y = 2.758 + 1.963 X1 + 0.171 X2 + 0.287 X3+ µ . The results of the multiple linear equations show that there is a positive and significant influence between Driver Discipline on Traffic Safety (t count 13.675> t table 1.98447), Law Enforcement on Traffic Safety (t count 1.292 > t table 1.98447), Motor and Road Conditions on Traffic Safety (t count 2.099 > t table 1.98447), individually, Rider Discipline, Law Enforcement, Motorcycle and Road Conditions affect Traffic Safety. The influence of the three research variables is very strong with the coefficient value (R Square) obtained by 71% on Traffic Safety and 29% is influenced by variables that are not detected in this study.

Ghea Ayu Noviarvanty; Siti Aminah

Jurnal Ilmiah Serat Acitya 2022 Universitas 17 Agustus 1945

This study aimed to determine the effect of Third Party Funds (DPK), Capital Adequacy Ratio (CAR), and  Return On  Assets (ROA) on  credit distribution at  banking sector listed in Indonesian Stock Echange for the 2018-2020 period. The population used in this study is all financial statements of commercial banks listed on the Indonesia Stock Exchange during 2018 - 2020, and the size of the sample used is 87 observational data, with the sampling technique using the census method that data was secondary data. The method of data collection was documentation. The data analysis technique used was multiple linear regression analysis. The results showed that Third Party Funds had a significant positive effect on lending, the Capital Adequacy Ratio had an insignificant negative effect on lending, and Return On Asser had  a  positive  but  not  significant  effect  on  lending.  The  value  of  the  coefficient  of determination is 0.702, meaning that the variables of Third Party Funds, Capital Adequacy Ratio and Return On Assets can explain the variation in lending variables of 70.2%.