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Solehan Solehan

Jurnal Penelitian Manajemen dan Inovasi Riset 2024 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

As company organizations develop, the need for training both functionally and technically is very necessary, apart from filling positions but also in order to meet the demands of work and service needs to the community. The problem is, how human resources (employees) are able to meet the expectations that have been set based on the vision and mission of an institution, organization or company, from this problem it seems that there needs to be a balance between company orientation. which will be directed at the performance that must be expressed by employees in realizing optimal organizational development. In this article, the research used is qualitative descriptive research, so it uses phenomena in which there are interview points. The phenomenon used as a reference is development, education and training as well as employee performance skills. This phenomenon is then used as a reference to determine the efforts made by institutions, organizations and companies to improve employee human resource capabilities. Based on the results of interviews that have been conducted, it can be seen that in improving the quality of human resources, the role of education and training is very necessary, especially after trainees have attended training, because to know employee development, continuous evaluation is needed to monitor progress. Education and training are very necessary in order to improve the abilities, professionalism and discipline of employees which are then used as the driving force for achieving the company's vision and mission.

Fitriyani Fitriyani; Maryono Maryono; Muhtar Sofwan Hidayat

Jurnal Manajemen dan Pendidikan Agama Islam 2024 Asosiasi Riset Pendidikan Agama dan Filsafat Indonesia

A keyelement in the growth of teaching as a professionis teacher competency. A teacher needs to be proficient in a variety of behaviors, knowledge, and abilities in order to accomplish their professional tasks, which are demonstrated in their performance. When it comes to designing learning activities that will provide the best learning out comes, pedagogical expertise is the most important factor to take in to account. In actuality, though, there are still educators who lack pedagogical competency. The purpose of this study is to evaluate the Islamic Education (PAI) teachers' pedagogical proficiency in PAI learning activities at Bakong PittayaSchool in Pattani, Thailand. To comprehend the elements influencing the level of pedagogical competenceof PAI instructors at Bakong Pittaya School in Pattani, Thailand, as well as the characteristics of teacher competence in Thailand. This study takes a descriptive approach while using a qualitative research methodology. Data collection techniques, content analysis, interviews, and observation are all part of qualitative research. This study is being conducted at Bakong Pittaya School in Pattani, Thailand. According to the author's discussions with Islamic Education instructors and the school director, the pedagogical ability of PAI teachers at Bakong Pittaya School in Pattani, Thailand, is deemed good. Three components make up the pedagogical competency of PAI teachers: creating learning implementation plans (RPPs), carrying out learning, and conducting assessments. Teacher competency in Thailand is regulated by a teacher constitution that out lines the abilities or competencies a teacher must have, referred to as the teacher standards. Factors affecting the quality of pedagogical competence of PAI teachers in Thailand include internal factors such as efforts and initiatives from the PAI teachers themselves to develop knowledge in their field. Lack of discipline and responsibility among teachers pose a significant challenge for schools in Thailand in improving teacher competence. External factors include the school's support in providing learning facilities. Supporting factors involveactive participation from parents, community associations, teacher representatives, student representatives, directors, and principals, as well as academic experts/advisors, all of whom are part of the school committee. Keywords: , ,

Yulian Jitmau; Rio Pernandez Sinaga; Aditya Padini Syah

Maslahah : Jurnal Manajemen dan Ekonomi Syariah 2024 STAI YPIQ BAUBAU, SULAWESI TENGGARA

This study aims to analyze the importance of human resource planning (HR) in improving the performance of the State Civil Apparatus (ASN). Given the global demands that require efficient and effective governance, the professionalism of apparatus resources is the main key. Good HR planning ensures that the organization has the right number and quality of employees, who can contribute optimally to the achievement of the organization's strategic goals. The research method used is a literature review by collecting data from various relevant literature sources, including books, magazines, and articles. The results show that effective HR planning enables organizations to identify workforce needs, address employee shortages or surpluses, and ensure that employees have the appropriate skills and competencies.  

Solehan Solehan

International Journal of Studies in International Education 2024 Asosiasi Riset Ilmu Pendidikan Indonesia

This article discusses strategies for optimizing sustainable development to increase the professionalism of madrasa teachers. Sustainable development is a systematic and ongoing effort aimed at improving teacher competence, performance and motivation in carrying out their duties. In the madrasa context, increasing teacher professionalism is not only important to improve the quality of education, but also to support the achievement of the goals of holistic Islamic education. Through descriptive qualitative research methods, this article identifies several key factors that influence madrasa teacher professionalism, including training and development, supervision, and school culture. The research results show that training programs that are sustainable and relevant to teachers' needs, support from madrasah leaders, and a conducive work environment, play a crucial role in increasing teacher professionalism. This article suggests implementing a sustainable development program integrated with regular evaluation to ensure its effectiveness. In this way, it is hoped that the professionalism of madrasa teachers can be increased significantly, which in turn will have a positive impact on the quality of education and the formation of students' character.

Ariana Oktavia; Dhanan Abimanto

International Journal of Educational Development 2024 Asosiasi Periset Bahasa Sastra Indonesia

This study explains the using innovative technologies in the process of teaching maritime English. English is always important in Maritime, especially in using innovative technologies such as: robotic technology, Artificial Intelligence (AI), networked sensors, advanced monitoring system, and blockchain technology. In teaching Maritime English, the maritime sector needs English as a language in communication medium to promote understanding between the teachers and students. The Maritime Communication Program helps maritime industry professionals to communicate better in English and across cultures. Through a research approach qualitative descriptive, to get the innovative technologies in teaching Maritime English. By using the theory of Standards of Training, Certification and Watchkeeping for Seafarers (STCW). The results in this study are developed business English course for the shipping industry and other maritime sectors, help professionals with different nationalities and cultural backgrounds communicate effectively and with ease. This is imminent for safety reasons, but it also supports companies that employ people from all over the world maintain main quality standards in a very dynamic and competitive environment.

Lailatul Zannah; Maslahah Maslahah; Mieke Maylinda; M. Rafi saputra; Mohammad Ridwan

Jurnal Manajemen dan Pendidikan Agama Islam 2024 Asosiasi Riset Pendidikan Agama dan Filsafat Indonesia

Zakat and waqf are forms of worship that have two dimensions, namely the vertical dimension, which is a manifestation of a servant's obedience to his rabb. This research is a qualitative research, in accordance with the object of study, this type of research is included in the category of library research.Islamic philanthropy in this case zakat and waqf are regulated by the state in the form of laws. The role of the state is still considered overlapping in some juridical cases in its application considering that the study in this research highlights more juridical aspects. Zakat and waqf are important instruments in Islamic philanthropy that have an important role in helping the poor, improving community welfare, encouraging wealth distribution, cleansing the Self and wealth, increasing piety to Allah SWT and achieving the goals of Islamic philanthropy. Effective and professional management of zakat and waqf will maximize its benefits to achieve these goals. 

Helen Permata Sari; Dini Oktaviana; Octavia Christina

Lembaga Pengembangan Kinerja Dosen 2024 Lembaga Pengembangan Kinerja Dosen

The purpose of this study is to determine how important career planning is for the State Civil Apparatus (ASN) in improving the performance of government organizations. This research highlights the importance of ASN with integrity, professionalism, and free from KKN practices, with reference to the Law of the Republic of Indonesia Number 5 of 2014 concerning ASN. Achieving organizational goals requires effective human resource management, particularly with regard to career planning and development. Data for this study were collected from various sources of related literature using qualitative methodology and literature review strategy. The research findings show that effective career planning can improve ASN competence and job satisfaction, foster employee motivation, and ensure assignments that match skills and interests. Effective career planning also helps retain exceptional workers and produce future leaders capable of leading the organization. Therefore, ASN career planning patterns are beneficial for the personal development of each ASN and also for the organization as a whole.

Suhartono, Suhartono; Dwi Retnani Srinarwati; Maya Mustika Kartika Sari; Neneng Rika Jazilatul Kholidah; Titis Nurrusama Nilakandi +2 more

Kolaborasi : Jurnal Hasil Kegiatan Kolaborasi Pengabdian Masyarakat 2024 Asosiasi Riset Ilmu Matematika dan Sains Indonesia

The activity of writing scientific papers, especially scientific articles, is one of the activities that must be done by professional teachers. Apart from being a professional demand, writing scientific papers for teachers is also a form of scientific implementation and dissemination to the community. The purpose of this training activity is expected to improve the ability to write scientific papers, especially scientific articles for teachers. The method of implementing this training is divided into three stages. First, the presentation of the material, the two participants were divided into groups to discuss things that could be raised as the theme of writing scientific articles, the third practice in groups with the guidance of lecturers of the PPKn study program, Faculty of Teacher Training, PGRI Adi Buana University, Surabaya, and assistance to complete activities synchronously and asynchronously. This training resulted in 9 scientific articles that have been worked on by teacher groups, three of which are the results of the implementation of classroom action research (PTK) that has been previously carried out by teachers, and there are two participant articles that have been successfully uploaded to the national online journal Pacivic Universitas PGRI Adi Buana Surabaya.

Tasya Febrinda Apriantour

Jurnal Hukum, Pendidikan dan Sosial Humaniora 2024 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

Notaries play an important role in the tax system by being required to report Taxpayer (WP) transactions to the Directorate General of Taxes (DJP). This obligation is regulated in Law Number 28 of 2007 concerning Income Tax (UU PPh) and Minister of Finance Regulation Number 31/PMK.03/2016. The main objective of this reporting is to improve taxpayer compliance, the accuracy of tax data, and the effectiveness of DGT supervision. Notaries are required to report various types of transactions, such as buying and selling land, grants, inheritances, and the granting of power of attorney regarding land and buildings. Reporting is carried out through a Research Certificate (SKP) Format of Proof of Fulfillment of the Obligation to Deposit Income Tax (PPh) Specifically for Notaries/Land Deed Making Officials (PPAT), either online via e-SPT PPh or manually at the Tax Service Office (KPP). Notaries who do not comply may be subject to sanctions, such as written warnings, fines, and even revocation of permits. Implementing this reporting obligation has benefits for notaries, such as increasing credibility and professionalism, streamlining the process of obtaining business permits, and making it easier to make deeds. Factors that influence notary compliance in reporting taxpayer transactions include knowledge and understanding of regulations, awareness and commitment, ease of reporting system, effectiveness of law enforcement, socialization and education, as well as a culture of tax compliance. Efforts to increase notary compliance require synergy from various parties, including the DJP, notary professional organizations, and the government in creating a culture of high tax compliance.

Muhamad Rangga Musaddad; Alif Muslim; Helmi Mutawalli; Maskumambang Wiratama; Muhamad Adam Auliya Rahman +1 more

Mandub: Jurnal Politik, Sosial, Hukum dan Humaniora 2024 STAI YPIQ BAUBAU, SULAWESI TENGGARA

Racial discrimination and violence against minority communities is prohibited by law, and the protection of minority groups is guaranteed by the Constitution, national laws, as well as international laws or conventions ratified by Indonesia, such as the ICCPR and ICERD. However, cases of violence involving ethnic Papuans are often ignored by the state, even though this is a violation of human rights. This research will use a normative juridical approach by presenting and analyzing the validity of statutory provisions. The socio-legal study in this research will be carried out by analyzing social studies, multidisciplinary social science theories related to the phenomenon of racial discrimination against ethnic Papuans, such as psychology in looking at prejudice and discrimination; Communication Studies; Social Integration and Disintegration Theory; and Social Conflict Theory. The aim of this research is to examine law enforcement using a social science paradigm. This research will review the quality of law enforcement, the extent to which these rules are enforced, and the extent to which law enforcement and the government can fulfill citizens' rights not to be discriminated against. This research shows that discrimination against the Papuan people is caused by racial discrimination in various aspects, including economics, politics, education and law enforcement. The application of anti- discrimination laws must be based on the professionalism of law enforcement officials so as not to give rise to new discrimination in law enforcement. This research recommends that the Indonesian Government increase political will in enforcing anti-discrimination and violence laws in all cases, especially against the Papuan ethnic group. Maximum anti-discrimination law enforcement efforts are needed to realize human rights goals, namely the provision, enforcement and protection of human rights.

Ari Prabowo; Yuli Arnida Pohan; Aisyah Azhar Adam; Nanda Fitria Aulanda; Shofyan Roni

Kolaborasi : Jurnal Hasil Kegiatan Kolaborasi Pengabdian Masyarakat 2024 Asosiasi Riset Ilmu Matematika dan Sains Indonesia

The purpose of this activity is to provide insight into relevant leadership skills, increase adaptability, and empower students to lead effectively in a dynamic work environment. The important target of the seminar Transforming the Digitalization Era in Shaping the Spirit of Leadership in Gen-Z and Millennials is all students of the Potensi Utama University, study program in preparing the younger generation to become adaptive, innovative, inclusive, and ethical leaders in the digital era. Through increased understanding of technology, development of leadership skills, formation of a collaborative spirit, expansion of professional networks, and ethical awareness, this seminar is expected to produce future leaders who are ready to face the complexities and opportunities offered by the modern world of work. The method was conducted indoors using slides and presentations in front of the students. Several questions and answers about the material provided were held to facilitate all students in understanding and knowing more about the material that had been delivered previously. The implementation of community service activities took place in the Hall Building B, University of Main Potential Medan starting at 09.00 WIB until completion, attended by 400 student participants from all study programs at the University of Main Potential both offline and online (zoom). Activities in the form of direct delivery of material. The results of the seminar activities are that students are expected to develop adaptive and innovative skills in accordance with the demands of the times, students will also be able to recognize and overcome the challenges of digitalization, as well as implement effective leadership strategies, In addition, this seminar aims to expand the professional network of participants, so that they can collaborate and share experiences with peers. Overall, the seminar is expected to produce young leaders who are ready to face the dynamics and complexities of the modern working world.

Nadisa Tiofunda Budiman

Referendum : Jurnal Hukum Perdata dan Pidana 2024 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

The phenomenon of globalization has transformed the world's landscape, connecting nations, and inspiring the concept of Special Economic Zones (SEZs). The utilization of Foreign National Health Workers (FHNWs) has become a strategy to address the shortage of medical personnel and enhance healthcare services, particularly in remote regions. However, the implementation of this policy also faces several ethical, cultural, and linguistic challenges. The ethical aspect takes center stage in the utilization of FHNWs. Patient rights, professionalism, and cross-cultural collaboration are crucial focal points in healthcare service practices. Despite its benefits, the utilization of FHNWs encounters communication hurdles, especially when the employed language is unfamiliar. Additionally, the integration of local cultural values becomes a pivotal aspect in delivering sensitive and patient-centered care. This paper analyzes policy documents related to the utilization of Foreign National Health Workers (FHNWs) in Indonesia through normative and predictive approaches. The objective is to comprehend the concepts and regulatory implementations concerning the ethics of FHNW utilization within the context of Indonesian healthcare services. The phenomena of globalization and efforts to expedite economic growth through Special Economic Zones (SEZs) have influenced these policies. The analysis involves various policy documents relevant to FHNW utilization. In facing the ethical dilemmas arising in the practice of healthcare services by foreign medical personnel, it is imperative for them to adapt to the local culture without compromising the principles of medical ethics. Moreover, competition within the job market and cultural disparities between foreign and local medical personnel also present challenges that need to be addressed. In dealing with competition, a holistic approach involving the government, relevant institutions, and professional training for local medical personnel is required. Overall, the utilization of FHNWs holds potential benefits in addressing medical workforce shortages and enhancing healthcare access. However, this utilization must be carried out with ethical responsibility, respecting patient rights, and considering cultural and professional aspects. With a prudent approach, the utilization of FHNWs can contribute to improving the quality of healthcare services and the well-being of local medical personnel, in line with ethical principles and national interests.    

Maryono

Perspektif Administrasi Publik dan hukum 2024 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

This paper discusses efforts to maintain the trust and reputation of the Medical Tourism industry in Indonesia. The industry has grown rapidly in recent years, with many international patients coming to Indonesia for medical treatment. The success of this industry relies heavily on consumers' trust in the quality of medical services and the protection they receive throughout the treatment process. Medical ethics, licensing and consumer protection regulations play a key role in ensuring that international patients receive safe, quality and ethical care in Indonesia. Medical ethics regulations will regulate the behavior of medical professionals and direct the standards of care that must be adhered to. Licensing functions as a mechanism for monitoring and controlling the quality of medical facilities and existing medical practices. Meanwhile, consumer protection is important to ensure that patients' rights are maintained during the treatment process, including the right to accurate information, transparent procedures and fair dispute resolution. In the context of Medical Tourism, reputation plays a central role. A good reputation will attract more international patients and help build long-term relationships with satisfied patients. However, reputation is also susceptible to negative changes due to bad patient experiences or violations of medical ethics. Therefore, efforts to prevent, manage and recover from adverse situations are very important in maintaining the industry's reputation.In the Indonesian context, harmonization between medical ethics regulations, licensing and consumer protection needs to be improved to create an environment that supports the sustainable growth of the Medical Tourism industry. The involvement of all stakeholders, including governments, medical institutions and medical professional associations, is key to achieving this goal. By maintaining service quality, high medical ethics, and effective consumer protection, Medical Tourism Indonesia can continue to develop and maintain a good reputation in the eyes of the international community.    

Nur Adiya, Az Zahra Dwi; Anggraeni, Dea Lili; Ilham Albana

Merkurius : Jurnal Riset Sistem Informasi dan Teknik Informatika 2024 Asosiasi Riset Teknik Elektro dan Informatika Indonesia

Methodology is a very important basic framework in the design and development of professional software, aimed at creating an information system that meets the business needs of an organization. Success in software development relies heavily on managing the software project as a whole. Establishing a methodology includes high dynamics in the design stages of a model that describes the activities and life cycle of a system. SDLC (Systems Development Life Cycle) or Systems Development Life Cycle, in the context of systems and software engineering, is a process that includes the creation and modification of systems, as well as the models and methodologies used to develop them. This discussion will explain the analysis of selecting software development methodologies, including waterfall, prototype, iterative, spiral, and rapid application development (RAD). It is hoped that the results of this discussion can provide considerations in choosing and using the right methodology based on each individual's needs, strengths and weaknesses, as well as other factors such as familiarity with technology, system complexity, system reliability, and short and precise time requirements, as well as referencing several scientific journals.

Sukmadiningrat, Fitriani; Janna, Ijratul; Harahap, Yuliana Ilya; Sari, Murti; Saridawati Saridawati

Jurnal Riset dan Publikasi Ilmu Ekonomi 2024 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Breaches of the code of ethics may harm the auditor's standing and cast doubt on the audit findings. The purpose of this literature analysis was to analyse instances of breaches of the auditor's code of ethics in the PT Garuda case in Indonesia. Additionally, it aimed to provide a comprehensive summary and critical assessment of the case. According to the study, the auditor who examined PT Garuda has breached many aspects of the auditor's code of ethics, such as honesty, impartiality, professional conduct, and competence. The auditor is also accountable for any inaccuracies found in a company's yearly financial statements. The auditor conducts the audit procedure without identifying any faults or adjustments. Subsequently, the Minister of Finance imposed a 12-month suspension on the auditor's licence.

Heri Subroto

Majelis : Jurnal Hukum Indonesia 2024 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

Malpractice is basically an action by professional staff that is contrary to the Standard Operating Procedure (SOP), professional code of ethics, and applicable laws, whether intentional or due to negligence. This negligence is not a violation of the law, if the negligence does not cause harm to other people and that person can feel comfortable. However, if this negligence results in material loss, harm or even takes the life of another person, then this can be said to be malpractice. Malpractice in the field of orthopedics is an act of negligence committed by doctors or health service workers who are tasked with carrying out all kinds of surgical procedures, especially bone surgery. Where in this case the patient who initially only experienced problems with his bones ultimately had to hamper his breathing for the last time just because of an error in administering gas after surgery. This fatal negligence can be said to occur due to a lack of accuracy on the part of doctors or other health workers in providing health services to patients. This negligence can also be caused by hospital management that is not well organized, the staff's education may still be minimal and many other factors. Because this action not only violates the law, the medical code of ethics and also the standards of behavior in a religion but even takes someone's life, there needs to be a way out, namely by; improving hospital management, increasing accuracy in carrying out the medical profession and deepening all kinds of knowledge about various kinds of health service procedures.    

Ahmad Satriadi; Supriyatna Supriyatna

Mars: Jurnal Teknik Mesin, Industri, Elektro Dan Ilmu Komputer 2024 Asosiasi Riset Teknik Elektro dan Informatika Indonesia

This research presents the development of an e-commerce application aimed at enhancing the operational efficiency of Khadijah Konveksi, a small and medium-sized enterprise (SME) in the garment industry. The application, developed using Android, Java, and Kotlin, provides features for order management, real-time tracking, and online payment, significantly improving customer experience and operational workflow. Initial feedback indicates a high level of customer satisfaction and a notable increase in operational efficiency. The project also highlights the collaborative efforts between students, faculty, and industry professionals, demonstrating the impact of academic-industry partnerships in driving technological advancements for SMEs  

Arif Agung Winarto

Federalisme : Jurnal Kajian Hukum dan Ilmu Komunikasi 2024 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

Abortion or the scientific language is Abortus Provocatus, is the method most often used to end an unwanted pregnancy, even though it is the most dangerous method. Abortus Provocatus is divided into two types, namely Abortus Provocatus Therapeuticus and Abortus Provocatus Criminalis. Abortus Provocatus Therapeuticus is an abortion provocatus carried out on the basis of medical considerations and carried out by personnel who have received special education and can act professionally. Meanwhile, Abortus Provocatus Criminalis is an abortion provocatus that is done secretly and usually by personnel who are not specially educated, including pregnant women who want to carry out the abortion provocatus. Abortus Provocatus Criminalis is one of the causes of death of women during their fertile period in developing countries.

Sucinta Ardianto

Majelis : Jurnal Hukum Indonesia 2024 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

With the increasing need for medical services and developments in technology, doctors and patients are often faced with various legal issues related to health care. The role of doctors in society is crucial because of the knowledge and skills needed to diagnose and treat disease, as well as maintain patient health. A surgeon is a specialist doctor who treats diseases, injuries or emergency conditions in the body through surgical methods (operatives) carried out in the operating room installation. The doctor's legal responsibility towards patients in the operating room installation is based on several relevant legal principles, the principle of informed consent or consent in treatment is an important factor in determining whether the doctor is responsible or not. Patients must be given adequate information about the diagnosis, procedures, risks, and treatment alternatives before giving consent for medical treatment. What are the rights and obligations between the doctor and patient in the agreement before surgery, as well as the agreement between the doctor and patient after the patient has received this information. Research methods using normative law are methods used to study legal rules as a system that can be linked to certain legal events. Secondary data uses tertiary legal data, secondary legal data and tertiary legal data from books, literature, publications and statutory sources related to all discussions. From this research it was found that every human being has the human right to live a healthy life and a doctor has ethical and professional responsibilities in carrying out his duties. The relationship between doctors and patients is regulated by applicable laws and regulations. It can be concluded that the legal responsibility of doctors towards patients in operating rooms is very important in medical practice. As health professionals, physicians have an ethical and legal obligation to provide safe, competent, and responsible care to their patients. If a doctor fails to meet expected standards of care or commits negligence that results in injury or harm to a patient, they may be legally liable.

Dwi Fadhilah Umami; Fauzatul Laily Nisa

Jurnal Riset dan Publikasi Ilmu Ekonomi 2024 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This research aims to examine the implementation of Good Corporate Governance (GCG) and its impact on the financial performance of Islamic banks, with a focus on PT. Bank Pembiayaan Rakyat Syariah (BPRS) Bakti Makmur Indah Sidoarjo during the period of 2021-2023. The method employed in this research is a qualitative descriptive approach, which involves data collection through literature review and documentation related to the implementation of GCG at BPRS Bakti Makmur Indah, as well as the analysis of the bank's financial reports for the specified period. The research findings indicate that BPRS Bakti Makmur Indah has implemented the principles of GCG, such as transparency, accountability, responsibility, professionalism, and fairness. However, the financial performance of the bank experienced a significant decline from 2021 to 2023. This decline is evident from the decrease in the values of Return on Assets (ROA), Return on Equity (ROE), and Net Profit Margin (NPM). These findings suggest that although the principles of GCG have been implemented, their effectiveness is not yet optimal, and there are still challenges to be overcome to improve the financial performance of the bank.