This study aims to determine whether or not there is influence and impact of implementing bad loans on the company's financial performance at PT. Tri Sapta Jaya Sibolga Branch. Tri Sapta Jaya Sibolga Branch. This type of research used is descriptive quantitative. In this study the population is financial data and is used as a sample of financial reports and bad loans and the data source used is the type of data that is documentation and the data source used is secondary data. To analyze the data using descriptive analysis and quantitative analysis. Based on the results of the study, the relationship between the influence and the impact of the bad debt settlement strategy on financial performance was obtained based on the ratio (NPL) of Net performing loans and the ratio (ROE) of Return on Equity and inputted with SPSS results version 25. Final Results of Net Performing Loan (NPL) Research as much as 21.17%, Return On Equity (ROE), regression test results of 1.238, determination coefficient test 3.2%, the value of t table or 7.664 > 6.313 because the calculated t value is greater than t table then the alternative hypothesis (Ha ) is accepted, or the significance obtained is below the ? level of 5%.

This thesis is the result of research that describes how much influence Organizational Culture and Work Environment have on Employee Performance at the Environmental Service Office of Central Tapanuli Regency.
In this study, several tests were carried out to determine the effect. Based on the description of the results of the research on the Influence of Organizational Culture and Work Environment on Employee Performance at the Environmental Office of Central Tapanuli Regency, it can be concluded as follows: Based on the correlation coefficient there is an adequate/moderate and positive relationship of 0.682 between Organizational Culture on Performance and 0.608 between Environment Work Against Performance, based on the Determination coefficient obtained at 0.541, this means that the model's ability to explain variations in Organizational Culture and Work Environment by Performance is 54.1% at the Environmental Service of Central Tapanuli Regency, while the rest is explained by other variables not included in the model by 45.9%, based on Simple Linear Regression the regression equation obtained is Y = 8.896 + 0.488X1 + 0.286X2 which shows employee performance will increase if Organizational Culture increases by a coefficient of 0.488 and Work Environment by 0.286 if at mas ing each independent variable (free) added with one-unit, and Based on the hypothesis test conducted by comparing the value of t count with t table it can be found that organizational culture and work environment variables with t calculated value are greater than t table, namely 4.577 > 2.00247 and 3.051 > 2.00247. And the significance value is 0.000 below ? 5% and 0.003 below ? 5%. Because t count is greater than t table, each independent variable has a positive or unidirectional influence on employee performance at the Environmental Service Office of Central Tapanuli Regency and the hypothesis proposed is accepted.