IOSR-JBM   Volume-24 ~ Issue-1 ~ January 2022

Abstract: Pertumbuhan digitalisasi ekonomi yang sangat pesat merupakan sesuatu yang tidak bisa dihindari dalam kehidupan ini. Digitalisasi telah menjadi bagian dari rutinitas masyarakat sehari-hari, begitu pula dengan transaksi jual beli yang ada di masyarakat. yang mana teknologi dapat merubah interaksi jual beli yang dilakukan di pasar.(Taiminen & Karjaluoto, 2015). Perkembangan digitalisasi ekonomi di Indonesia bertumbuh sangat pesat. meskipun ekonomi digital Indonesia berkontribusi sebanyak 4% terhadap PDB nasional tahun 2020, menurut Mendag Muhammad Luthfi Pertumbuhan ekonomi digital sendiri akan tumbuh delapan kali lipat dari Rp632 triliun menjadi Rp4.531 triliun. Indonesia akan mempunyai GDP besar lebih dari 55% daripada GDP digital ASEAN, jumlahnya kira-kira Rp323 triliun dan akan tumbuh menjadi Rp417 triliun pada tahun 2030.......

Key Works:Financial Technology, Ekonomi Digital, PDB, Indonesia.

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[2]. Ghozhali, Imam, 2013. Aplikasi Analisis Multivariat dengan Proram IBM SPSS 21. Edisi7. Semarang: Universitas Diponegoro.
[3]. Kotler, Philip, 2005 Manajemen Pemasaran Ed. 11, Jilid 1, Jakarta: PT. Indeks.
[4]. Liputan6.com, 2019, "Pertumbuhan e-Commerce Indonesia Tertinggi di Dunia" dalamhttps://www.liputan6.com/tekno/read/2957050/pertumbuhan-ecommerce-indonesia-tertinggi-di-dunia, diakses pada tanggal 25 Mei 2019 jam 09.35.
[5]. Mankiew, N. G. (2006). Makro Ekonomi. Jakarta: Erlangga.

Abstract: The model of productions that is under application by FOKAMWISO company would be less efficient; In writing this article, we have used as methods: statistical and comparative.
Techniques that served us in our research are: the interview, the documentary technique. From our studies it has been shown that the production decreases 131.85 cardboards temporarily per month but the potential market exists. To solve this problem, we established a linear model having to permit to FOKAMWISO company to achieve a profit of 15643.8462 $monthly.

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Abstract: This study investigated the importance of current issues of motivation on occupational productivity in commercial banks. The purpose of the study was to investigate the effect of individual differences and organizational policies as current issues which can improve occupational productivity of commercial banks. The research was carried out in Birnin Kebbi metropolis of Kebbi state, Nigeria and the population comprised five (5) branches of commercial banks in the metropolis. One hundred (100) questionnaires were given to both employees and managers of the sampled.....

Keys words: Motivation, Employees, Occupational Productivity, Individual differences, Policy, Performance

[1]. Adebowale, A. (2017). An Investigation of Ethnic Differences in the Motivation and Strategies for Learning of Students. South Africa, Sage Publications.
[2]. Ajah, P. E. (2016). Assessing the Role Work Motivation on Employee Performance. Umea, Umea University.
[3]. Ali, J., Mcinerney, D., Craven, R., Yeung, A. & King, R. (2017). Socially Oriented Motivational Goals and Academic Achievement: Similarities between Native and Anglo Americans. 107 (2), 123–137.
[4]. Ameri, A.H. (2015). Behavioural View of Motivation. A Video. Retrieved on 16th October, 2015 from Slideshare.ytube.com.
[5]. Balle, L. (2017). Motivation Policy for Employees. Retrieved on 26th September, 2017 from bizfluent.com..

Abstract: This study aims to determine the social behavior of individuals, namely the influence of motivation, attitudes, behavior and skills of members on the managerial performance of the Dharma Wanita Persatuan Mekar Melati cooperative, Semarang City. The population is 4,250 members of the cooperative, the sample was selected by random sampling, 100 members were obtained through a questionnaire which was distributed directly to members who happened to be found. Data analysis using multiple linear regression model. The results showed that motivation, attitude, behavior and skills had a positive and significant effect on managerial performance.

Keywords: Motivation, Attitude, Behavior, Skills; managerial performance

[1]. Adrianto, Sopan. Pengaruh Keterampilan Teknis, Keterampilan Sosial, Keterampilan Konseptual, Dan Keterampilan Manajerial Terhadap Kinerja Kepala Sekolah Dasar Negeri DI Wilayah Jakarta Pusat. Jurnal Manajemen Pendidikan. 2011;1(1):289-297.
[2]. Anwar, Desiandi Saiful dan Dewi Amalia. Pengaruh Tindakan Supervisi, Budaya Organisasi, Kepribadian, Dan Pelatihan Terhadap Kelengkapan Laporan Keuangan. Jurnal Akuntansi dan Auditing. 2010;7 (1):1-18
[3]. Aminatuzahra. Persepsi Pengaruh Pengetahuan Keuangan, SIkap Keuangan, Sosial Demografi terhadap Perilaku Keuangan dalam Pengambilan Keputusan Investasi Individu. Jurnal Strategi Bisnis.2014;23(2) :70-96
[4]. Fitrah Khairun Nisa. Pengaruh Pengetahuan Keuangan, Sikap Keuangan, Dan Kepribadian Terhadap Perilaku Manajemen Keuangan Pada Pelaku UMKM Ekonomi Kreatif Sub Sektor Kuliner Kabupaten Malang. Jurnal Ilmiah Riset Manajemen. 2020;9(7):93-106
[5]. Ghozali, Imam. Aplikasi Analisis Multivariate dengan Program IBM SPSS 23. 2015; Badan Penerbit Universitas Diponegoro: Semarang.

Abstract: Risk management is an important tool for managing business activities in financial institutions and it is widely use in the corporate world to manage business crisis. Risk management in financial institution has greater impact not only on the financial institution but also on the economic growth and sustainable development. Thus, internal control system is use manage risk and to mitigate against business losses and liquidation of business. On this basis, the study seeks to assess the effect of internal control system on risk management of firms in Nigeria. The population is thirty seven (37) listed financial services firms and sample size are twenty nine (29) deposit money banks......

Keywords: Internal control, Risk Management, Financial services, Nigeria

[1]. Adeleke, O. K., Segun, iLUGBUSI B., & Olaoye, A. C. (2020). Impact of internal control on fraud prevention in deposit money banks. Nigerian Studies in Economics and Management Sciences, 2(1), 42–51.
[2]. Asiligwa, G. R. (2017).The effect of internal controls on the financial performance of commercial banks in Kenya.IOSR Journal of Economics and Finance, 8(3), 92-105
[3]. Agang, J. O., & Njoka, C. (2020). Internal Controls and Credit Risk in Commercial Banks Listed At Nairobi Securities Exchange, Kenya. International Journal of Current Aspects in Finance, Banking and Accounting, 2(2), 77–92.
[4]. Akumbo, S., Mbilla, E., Dery, J., Gbegble, M. K., & Nyaaba, R. (2020). Assessing the impact of monitoring , information and communication on banks performance in Ghana. Asian Journal of Economics, Business and Accounting, 14(3), 58–71.
[5]. Akwaa-Sekyi, E. K., & Gené, J. M. (2016). Effect of internal controls on credit risk among listed Spanish banks. Intangible Capital, 12(1), 357–389. https://doi.org/10.3926/ic.703.

Abstract: The aim of this study is to know the effect of the ratio of LDR, Outstanding, and BOPO on financial performance (NPL) through the intervening variable (ROA). The analysis method used is Multiple Linear Analysis, which previously carried out Descriptive Analysis Test, Classic Assumption Test (Normality Test, Autocorrelation Test, Heteroscedasticity Test, Multicollinearity Test), Path Analysis, and followed by Hypothesis Test, which processed using SPSS Program version 21. The study result shows that LDR and Outstanding do not affect ROA, BOPO affect ROA, LDR does not affect NPL, Outstanding, BOPO and ROA affect NPL, ROA is capable of mediating LDR and Outstanding on NPL, but ROA is not capable of mediating BOPO on NPL of Conventional BPR in Depok City. Simultaneously, all of the independent variables (LDR, Outstanding, BOPO) are affected by the ROA variable as much as 66.2%, and the rest is as much as 33.8% explained by other variables that are not included in this study..

Keywords: Rural Bank, LDR, Outstanding, BOPO, ROA, NPL, Financial Performance

[1]. Agustina, L. A. A. (2014). Pengaruh CAR, NPL, NIM, LDR, dan BOPO terhadap Nilai Perusahaan dengan ROA sebagai Variabel Intervening pada Bank-Bank Umum Go Public di Indonesia periode 2008-2012. Universitas Diponegoro.
[2]. Agustina, & Wijaya, A. (2013). Analisis Faktor-Faktor Yang Mempengaruhi Loan Deposit Ratio Bank Swasta Nasional di Bank Indonesia. Jurnal Wira Ekonomi Mikrosil, 3(2), 101–109.
[3]. Aman, A. (2013). Analisis Kinerja Keuangan Dengan Menggunakan Metode Camel Pada Bank Umum Swasta Nasional Devisa Di Indonesia Tahun 2007-2011.
[4]. Anas, M., & Tohari, A. (2018). Analisis Pengaruh Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Loan To Deposit Ratio (LDR), Biaya Operasional Pendapatan Operasional (BOPO) dan Net Interest Margin (NIM) Terhadap Profitabilitas Bank Umum Yang Terdaftar Di Bursa Efek Indonesia.
[5]. Anwar, C. J., & Sunaenah, S. (2016). Pengaruh ROA dan CAR Terhadap Kredit Macet (NPL) Pada Bank Umum Di Indonesia. Jurnal Ekonomi-Qu, 6(2), 214–235.

Abstract: Background: Employee performance improvement is always expected by every company, both improvement in the form of employee behavior and employee abilities due to the environment. Many studies have been carried out to answer this situation, but many different answers have been found. This makes researchers want to do research on this situation by looking at the influence of work culture, work motivation and work discipline. don't forget the OCB context was added as a mediating variable for researchers to see the indirect effect of research Materials and Methods: This research was conducted with a quantitative approach with analytical methods using path analysis. The purpose of this study was to......

Keywords: Work Culture, Work Discipline, Work Motivation, Organizational Citizenship Behavior (OCB), Employee Performance

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[3]. Anggi Patra, M. Havidz Aima. 2018. The Effect of Organizational Culture and Job Satisfaction on Organizational Commitments and the Implementation on Organizational Citizenship Behavior in Employees of Pt. Bali Towerindo Sentra Tbk. International Journal of Scientific and Research Publications, Vol. 8(12):320-328
[4]. Anom Suwibawa, Anak Agung Putu Agung, I Ketut Setia Sapta. 2018. Effect of Organizational Culture and Organizational Commitment to Employee Performance through Organizational Citizenship Behavior (OCB) as Intervening Variables (Study on Bappeda Litbang Provinsi Bali). International Journal of Contemporary Research and Review. Vol. 9(8):20997-21013
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Abstract: The field of enquiry of female insertion to the employment of the sector formal public and deprives foreseeable balance, in RDCONGO in general and to Butembo to particular.
As, women are a lot less numerous to fall in with branches post-offices of directorship.The price of womanly unemployment is more high that that of men. Nevertheless, in most cases are women who put their different racecourse between parenthesis to apply oneself of their girls. The political field is representative enough of those disparities. Since well a long time, sells them in concerns of the public sector an has not lot evolved. Women occupy a place less in, public congolese concerns, himself situation has repercussions same in under state control concerns to Butembo.....

Keywords: Line, feminine work and public utility

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