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All Journal Jurnal Sains Manajemen  Nitro
Muh Ashary Anshar
IBK Nitro Makassar
Economics, Econometrics & Finance Social Sciences

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FAKTOR–FAKTOR YANG MEMPENGARUHI PENGAMBILAN KREDIT OLEH PELAKU USAHA MIKRO, KECIL DAN MENENGAH PADA PT.BANK RAKYAT INDONESIA (Persero), Tbk. KANTOR CABANG PANAKKUKANG UNIT BATUA RAYA MAKASSAR Fahri Abdullah; Samsidar; Muh Ashary Anshar; Rahman Suwandaru; Sulkipli
Jurnal Sains Manajemen Nitro Vol. 1 No. 2 (2022): Desember 2022
Publisher : Program Pasca Sarjana IBK Nitro

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (404.483 KB)

Abstract

Tujuan penelitian ini adalah untuk menganalisis faktor – faktor yang mempengaruhi pengambilan kredit oleh pelaku usaha mikro kecil dan menengah pada debitur PT. Bank Rakyat Indonesia (Persero), Tbk. Kantor Cabang Panakkukang Unit Batua Raya Makassar. Jenis penelitian yang dilakukan dalam penelitian ini adalah data kuantitatif. Sumber data yang dilakukan penelitian ini yaitu data primer dan data sekunder. Populasi dalam penelitian ini adalah seluruh nasabah kredit usaha mikro, kecil dan menengah pada PT. Bank Rakyat Indonesia (Persero), Tbk. Kantor Cabang Panakkukang Unit Batua Raya Makassar. Pengambilan data dilakukan dengan teknik purposive sampling. Kuesioner yang dibagikan sebanyak 94. Metode analisis data yang digunakan dalam penelitian ini yaitu menggunakan teknik analsiis factor dengan bantuan oleh IBM SPSS Statistics 25. Hasil penelitian ini menunjukkan bahwa faktor yang mempengaruhi pengambilan kredit usaha mikro, kecil dan menengah pada PT. Bank Rakyat Indonesia (Persero), Tbk. Kantor Cabang Panakkukang Unit Batua Raya Makassar yaitu faktor suku bunga, rekomendasi dari teman administrasi yang mudah, jangka waktu pengembalian, pelayanan, kepercayaan, persyaratan yang mudah dan membantu nasabah dalam menjalankan usaha. Karena sebab itu, faktor dominan yang mempengaruhi pengambilan kredit usaha mikro, kecil dan menengah pada PT. Bank Rakyat Indonesia (Persero), Tbk. Kantor Cabang Panakkukang Unit Batua Raya Makassar yaitu faktor Suku Bunga, jangka waktu dan kepercayaan.
PENGARUH AKHLAK BUMN DAN KOMPENSASI TERHADAP KINERJA KARYAWAN YANG DIMEDIASI EMPLOYEE ENGAGEMENT PT. PEGADAIAN KANWIL VI MAKASSAR Atrijaya Atrijaya; Moh Hatta; Muh Ashary Anshar
Jurnal Sains Manajemen Nitro Vol. 2 No. 1 (2023): Juni 2023
Publisher : Program Pasca Sarjana IBK Nitro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56858/jsmn.v2i1.132

Abstract

This study aims to determine and analyze the effect of AKHLAK on the performance of employees mediated by PT Pegadaian Kanwil VI Makassar. This study used a quantitative descriptive method using the SPSS 26 application as a result of distributing questionnaires during the study period. The population in this study were inorganic employees of PT Pegadaian Kanwil VI Makassar and the sample in this study used a purposive sampling technique. The analytical method in this study uses Data Instrument Test, Classical Assumption Test, Multiple Linear Regression, Hypothesis Testing, Coefficient of Determination and Path Analysis. The results of this study indicate that partially the AKHLAK variable has a positive and significant effect on employee performance at PT Pegadaian Kanwil VI Makassar, AKHLAK has a positive and significant effect on employee engagement at PT Pegadaian Kanwil VI Makassar, AKHLAK indirectly has a significant effect on employee performance mediated employee engagement at PT Pegadaian Kanwil VI Makassar, compensation has a positive and significant effect on employee performance at PT Pegadaian Kanwil VI Makassar, compensation has a positive and significant effect on employee engagement at PT Pegadaian Kanwil VI Makassar, compensation indirectly has a significant effect on employee performance mediation of employee engagement at PT Pegadaian Kanwil VI Makassar and employee engagement has a positive and significant effect on employee performance.
PENGARUH MASUKAN PERSONIL DAN KEPEMIMPINAN TERHADAP PELAYANAN PUBLIK MELALUI KETERLIBATAM PERSONIL PADA DIREKTORAT LALU LINTAS POLDA SULAWESI SELATAN Bahrul S; Moh Hatta; Muh Ashary Anshar; Muhammad Nasir
Jurnal Sains Manajemen Nitro Vol. 2 No. 1 (2023): Juni 2023
Publisher : Program Pasca Sarjana IBK Nitro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56858/jsmn.v2i1.133

Abstract

The formulation of the problem in this study is Does Masukan personilaffect the Pelayanan publik at the Traffic Directorate of the South Sulawesi Regional Police? Does Masukan personilaffect Keterlibatan personil at the South Sulawesi Regional Police Traffic Directorate? Does Leadership affect the Pelayanan publik at the Traffic Directorate of the South Sulawesi Regional Police? Does Leadership affect Keterlibatan personil at the South Sulawesi Regional Police Traffic Directorate? Does Masukan personilaffect Pelayanan publik through Keterlibatan personil at the Traffic Directorate of the South Sulawesi Police? This research was conducted at the South Sulawesi Regional Police. The sampling technique used Accidental Sampling to 76 respondents from the South Sulawesi Regional Police Traffic Directorate. The reason for determining the object of this research is because it is easily accessible by researchers so that it can facilitate the implementation of research. From the results of the study it can be concluded that the Employee Voicefactor has a positive and significant effect on personil Keterlibatan personil at Traffic Police of South Sulawesi Regional Police. The Leadership has a positive and significant effect on Personil Keterlibatan personil at the Traffic Police of South Sulawesi Regional Police. The Masukan personilhas a negative and insignificant effect on the Pelayanan publik for trafficked personnel at the South Sulawesi Regional Police. The leadership factor has a positive and significant effect on the personil Pelayanan publik in the Traffic Police of South Sulawesi Regional Police. The Keterlibatan personil has a positive and significant effect on personil Pelayanan publik at the South Sulawesi Regional Police Traffic Unit.
Co-Authors Atrijaya Atrijaya Bahrul S Fahri Abdullah Moh. Hatta Muhammad Nasir Rahman Suwandaru Samsidar Sulkipli