Claim Missing Document
Check
Articles

Found 2 Documents
Search
Journal : JAM : Jurnal Aplikasi Manajemen

CREDIT RISK MANAGEMENT CONTROL ON SME SEGMENT: STUDY CASE OF XYZ BANK BRANCH SURABAYA Ludmila Mayasari; Eric Harianto; Riduan Mas’ud; Uzair Albazi; Nursaid Nursaid
Jurnal Aplikasi Manajemen Vol 20, No 2 (2022)
Publisher : Faculty of Economics and Business, Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jam.2022.020.02.17

Abstract

The study is conducted to explain the suitability of credit risk control management to minimize the non-performing loans at XYZ Bank Branch Surabaya as stipulated by the Basel Accord Committee in Financial Services Authority Regulation No. 18/PJOK.03/2016 about the Implementation of Risk Management for Commercial Banks. Based on the Basel III guidelines, credit risk management includes seven mechanisms. The seven mechanisms are the policy framework, credit risk rating framework, credit risk limits, credit risk modeling, credit risk mitigation, credit audits, and loan review mechanisms. The study uses a qualitative study by the case study approach. The results showed that the control of credit risk management implemented by Bank XYZ Surabaya Branch to minimize non-performing loans to individual debtors in the SME segment had not run effectively. It was primarily about the evaluation of credit risk, which led to the emergence of a new set of risks such as errors in credit risk evaluation, target market losses and ineffective allocation of loan funds, and inadequate strategies for collecting net credit to customers. The study also provides several recommendations for credit risk management as the strategy to reduce the risk of lending to individual debtors in the SME segment at XYZ Bank Branch Surabaya.
THE ROLE OF LEADERSHIP AND WORK MOTIVATION IN IMPROVING EMPLOYEE PERFORMANCE: WITH JOB SATISFACTION INTERVENING VARIABLES Nurul Qomariah; Lusiyati Lusiyati; Ni Nyoman Putu Martini; Nursaid Nursaid
Jurnal Aplikasi Manajemen Vol 20, No 3 (2022)
Publisher : Faculty of Economics and Business, Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jam.2022.020.03.12

Abstract

This paper aims to examine the role of leadership style and work motivation in improving performance by involving feelings of satisfaction from employees (job satisfaction) as an intermediary variable in Freelance Daily Workers (THL) at the Banyuwangi Regional Secretary. The number of freelance daily workers (THL) at the Banyuwangi Regency Secretariat. The population in this study were all employees of the Daily Leasing Office of the Regional Secretariat of Banyuwangi Regency, amounting to 101 employees. Determination of the sample using a saturated sample so that the number of samples is 101 respondents. The descriptive analysis method is used to describe the respondents, and the variables used. Smart PLS 3.0 application is used in this study as an analytical tool to answer the hypothesis. The results showed that the leadership style variable in an organization could increase the job satisfaction of THL employees at the Banyuwangi Regional Secretariat. Work motivation from employees has a significant effect on job satisfaction. Job satisfaction of casual daily workers also affects employee performance. The leadership style possessed by the leaders at the Banyuwangi Regency Secretary also affects employee performance. Work motivation significantly affects employee performance at the Daily Leasing Office of the Regional Secretariat of Banyuwangi Regency. Leadership style and work motivation can increase employee satisfaction and performance at the Regional Secretary of Banyuwangi Regency. Therefore there needs to be an effort to improve employees' leadership style and work motivation.