Jurnal Daya Saing

MOTIVASI KERJA SEBAGAI DETERMINAN KINERJA KARYAWAN PADA SEKTOR PERBANKAN SYARIAH

Muhammad Ali Aqsa — 2025-10-26

This study aims to analyze the effect of work motivation on employee performance in the Islamic banking sector in Indonesia, with a case study at a Sharia People's Financing Bank (BPRS) in Pekanbaru. The research sample consisted of 37 people, taken using the census method. Data analysis used simple linear regression. The results of the partial t-test show that work motivation has a significant effect on employee performance at the BPRS (t-count = 4.477 > t-table = 2.035). The magnitude of the effect of work motivation on employee performance is 36.4% (R² = 0.364). Based on these findings, it is recommended that management strengthen the relationship between superiors and subordinates to create a harmonious work climate, considering that this aspect received the lowest response from respondents. The results of this study are expected to provide input for the development of more effective human resource management systems in Islamic financial institutions.

KEPEMIMPINAN SEBAGAI DETERMINAN KINERJA KARYAWAN

Jhonni Ardan Mardan — 2025-10-26

The study aims to determine the Influence of Leadership on Employee Performance. This study was conducted at the UPT. YZ. The population in this study was 91 people with a sample of 90 people. The research data were analyzed using descriptive and quantitative analysis methods. Data processing using SPSS version 25. Based on the research results at the UPT. YZ, it can be concluded that Leadership has a positive and significant effect on employee performance. This is evidenced by the simple linear regression equation Y 11.719 + 0.699X and the results of the t-test obtained a t-count value greater than the table (10.389> 1.9872) and a significance level of 0.000 less than 0.05 (0.000 <0.05). From the results of the determination test (R2) of 0.551, which means that the leadership variable has an influence of 55.1% on employee performance at the UPT. YZ. Meanwhile, the remaining 44.9% is influenced by other variable factors that were not studied

ANALISIS STRATEGI PEMASARAN UMKM PRODUK OLAHAN IKAN PADA IKM CAHAYA FAIZ DESA TERAPUNG KECAMATAN MAWASANGKA KABUPATEN BUTON TENGAH

Mufayu Mufayu — 2025-11-26

This study aims to examine the implementation of marketing mix strategies, which include product, price, place, and promotion, in the SME IKM Cahaya Faiz in Desa Terapung, Mawasangka District, Central Buton Regency. The research method used is a descriptive qualitative method with data collection techniques through interviews, observation, and documentation with business owners and consumers. The research results indicate that in terms of products, IKM Cahaya Faiz has produced various local fish-based products such as Teri Balado, Teri Crackers, and Dry Sambal Goreng with Peanuts and Anchovies. One of the products has obtained BPOM certification, but product innovation and other certifications still need to be improved. In terms of pricing, the price setting has been adjusted to the community's purchasing power, although it is still constrained by fluctuations in raw material prices. In terms of place/distribution, the business location is fairly strategic and easily accessible, although the distribution reach is still limited. In terms of promotion, promotional activities are still simple and have not optimally utilized digital media. Overall, the implementation of marketing strategies at IKM Cahaya Faiz has been quite good, but improvements are needed in product innovation, price stability, distribution expansion, and digital promotion to enhance competitiveness and expand the market.

PENGARUH KINERJA KEUANGAN TERHADAP NILAI PERUSAHAAN PADA PERUSAHAAN MANUFAKTUR SUB SEKTOR TEKSTIL DAN GARMENT YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2020-2023

Yohana Jufani Silalahi — 2025-11-27

This study aims to determine the extent to which financial performance affects firm value in manufacturing companies in the textile and garment subsector listed on the Indonesia Stock Exchange (IDX) for the 2020–2023 period. Financial performance is measured using liquidity, profitability, and solvency ratios, while firm value is proxied by the Price to Book Value (PBV). This research employs a quantitative method using secondary data obtained from the companies’ annual financial statements. The data were analyzed using multiple linear regression with the assistance of the SPSS program. The results indicate that simultaneously, liquidity, profitability, and solvency have a positive and significant effect on firm value. Partially, liquidity and solvency have a positive and significant effect on firm value, while profitability has a negative and insignificant effect. These findings suggest that the ability of companies to manage liquidity and solvency plays an important role in increasing investor confidence, while profitability does not have a significant impact on improving firm value.

PERILAKU HUMOR PEMIMPIN DAN WORK-FAMILY BALANCE KARYAWAN: SEBUAH PENJELASAN DARI MEKANISME LEADER- MEMBER EXCHANGE DI BPJS KETENAGAKERJAAN WILAYAH SUMBARRIAU

Ray Boni Afit — 2025-11-09

This study aims to analyze the effect of leader humor behavior on employees’ work-family balance (WFB) with Leader-Member Exchange (LMX) as a mediating variable. The balance between work and family life has become an important issue in modern human resource management, particularly in public institutions such as BPJS Ketenagakerjaan, which demands both high performance and psychological well-being. This research applies a quantitative approach using a survey method involving 160 respondents from BPJS Ketenagakerjaan Regional Office of Sumbarriau. Data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with WarpPLS 5.0 software. The results reveal that leader humor behavior positively and significantly influences LMX and WFB, and LMX significantly mediates the relationship between leader humor and work-family balance. These findings emphasize that positive humor strengthens the emotional connection between leaders and subordinates, thereby enhancing employees’ psychological well-being. Theoretically, this study expands the understanding of social exchange theory within the context of humanistic leadership, while practically offering implications for developing leadership styles that promote work-life harmony.

STRATEGI PENGEMBANGAN SDM DAN DAMPAKNYA TERHDAP KOMPETENSI, MOTIVASI, DAN KEPUASAN KERJA MELAUI PERENCANAAN KARIER DI INDUSTRI TELEKOMUNIKASI

Setyo Supratno — 2025-11-18

Penelitian menggunakan pendekatan kuantitatif dengan explanatory survey terhadap 50 responden tetap yang dipilih secara purposive. Instrumen kuesioner telah diuji validitas dengan hasil seluruh item valid (Sig. < 0,05) dan reliabilitas dengan Cronbach’s Alpha > 0,70 pada semua variabel, sehingga layak digunakan. Uji asumsi klasik menunjukkan residual berdistribusi normal, model bebas multikolinearitas (Tolerance > 0,10; VIF < 10), dan tidak terdapat heteroskedastisitas berdasarkan uji Glejser.

Hasil analisis regresi linier berganda menunjukkan nilai koefisien determinasi (R²) sebesar 0,594, yang berarti 59,4% variasi perencanaan karier dijelaskan oleh kompetensi, motivasi, dan kepuasan kerja. Uji F menghasilkan F hitung 22,426 dengan Sig. 0,000, menandakan model signifikan secara simultan. Secara parsial, kompetensi (Sig. 0,001) dan kepuasan kerja (Sig. 0,000) berpengaruh positif signifikan terhadap perencanaan karier, sedangkan motivasi (Sig. 0,347) tidak signifikan.

Temuan ini menegaskan bahwa kompetensi berbasis digital dan kepuasan kerja merupakan faktor utama dalam perencanaan karier karyawan, sedangkan motivasi individu melemah dalam konteks pasca-merger. Secara praktis, perusahaan perlu memperkuat program pengembangan kompetensi dan sistem kepuasan kerja yang jelas. Secara akademis, penelitian ini memperkaya literatur manajemen SDM di industri telekomunikasi serta membuka peluang riset lanjutan dengan variabel tambahan seperti budaya organisasi dan kepemimpinan.

Kata kunci: kompetensi, motivasi, kepuasan kerja, perencanaan karier, pengembangan SDM, telekomunikasi.

KECERDASAN EMOSIONAL DALAM MENINGKATKAN KEPUASAN KERJA DAN KINERJA PEGAWAI

Darimi Darimi — 2025-11-24

This study analyzes the role of emotional intelligence in improving job satisfaction and employee performance at the Secretariat of the Pekanbaru City Regional People's Representative Council (DPRD). Using the Partial Least Squares-Structural Equation Modeling (PLS-SEM) method, data were collected through a Likert-scale questionnaire distributed to selected employees using an accidental sampling technique. The results indicate that emotional intelligence significantly and positively influences job satisfaction and performance. Furthermore, job satisfaction also influences employee performance. Thus, emotional intelligence can indirectly improve employee performance through job satisfaction.

PENGARUH KUALITAS PELAYANAN, KUALITAS PRODUK DAN FASILITAS TERHADAP KEPUASAN PELANGGAN LAZATTO CHICKEN & BURGER CABANG UMSU

Siti Zahra Devini — 2025-11-16

Penelitian ini bertujuan : (1) untuk mengetahui apakah terdapat pengaruh positif dan signifikan dari kualitas pelayanan terhadap kepuasan pelanggan Lazatto Chicken & Burger cabang UMSU, (2) untuk mengetahui apakah terdapat pengaruh positif dan signifikan dari kualitas produk terhadap kepuasan pelanggan Lazatto Chicken & Burger cabang UMSU, (3) untuk mengetahui apakah terdapat pengaruh positif dan signifikan dari fasilitas terhadap kepuasan pelanggan Lazatto Chicken & Burger cabang UMSU, (4) untuk mengetahui apakah terdapat pengaruh positif dan signifikan dari kualitas pelayanan, kualitas produk dan fasilitas terhadap kepuasan pelanggan Lazatto Chicken & Burger cabang UMSU. Metode yang dilakukan pada penelitian ini menggunakan metode kuantitatif. Jumlah sampel dalam penelitian ini yaitu 100 responden. Teknik pengumpulan data pada penilitian menggunakan kuesioner atau angket yang diberikan kepada pelanggan Lazatto Chicken & Burger cabang UMSU. Analsis data enggunakan Uji Regresi Linear Berganda dan Statistic Deskripstif. Data dalam penelitian ini diolah menggunakan SPSS 23 for windows. Berdasarkan hasil penelitian bahwa kualitas pelayanan berpengaruh positif dan signifikan terhadap kepuasan pelanggan dengan nilai sig sebesar 0,000, kualitas produk berpengaruh positif dan siginfikan terhadap kepuasan pelanggan dengan nilai sig 0,009, fasilitas tidak berpengaruh positif dan signifikan terhadap kepuasan pelanggan dengan nilai sig 0,138. Kualitas pelayanan, kualitas produk dan fasilitas secara simultan berpengaruh terhadap kepuasan pelanggan Lazatto Chicken & Burger cabang UMSU dengan nilai sig sebesar 0,000.

PENGARUH KUALITAS PRODUK, PERSEPSI HARGA, DAN WORD OF MOUTH TERHADAP KEPUTUSAN PEMBELIAN PRODUK CHICKEN NUGGET PADA STORE YAMKU DI PT. EXPRAVET NASUBA

Frianti Pratiwi — 2025-11-16

Penelitian ini bertujuan : (1) Untuk mengetahui apakah kualitas produk berpengaruh positif dan signifikan terhadap keputusan pembelian produk Chicken Nugget Yamku. (2) Untuk mengetahui apakah presepsi harga berpengaruh positif dan signifikan terhadap keputusan pembelian produk Chicken Nugget Yamku. (3) Untuk mengetahui apakah word of mouth (WOM) berpengaruh positif dan signifikan terhadap keputusan pembelian produk Chicken Nugget Yamku. (4) Untuk mengetahui apakah kualitas produk, presepsi harga, dan word of mouth (WOM) berpengaruh positif dan signifikan terhadap keputusan pembelian produk Chicken Nugget Yamku. Metode dalam penelitian ini adalah metode kuantitatif, jumlah sampel dalam penelitian ini adalah 106 responden. Tekhnik pengumpulan data dalam penelitian ini menggunakana kuesioner atau angket yang diberikan kepada konsumen Chicken Nugget Yamku di Kota Medan, analisis data menggunakan uji regresi linear berganda dan statistic deskriptif. Pengolahan data dalam penelitian ini menggunakan SPSS 25 for windows. Berdasarkan hasil penelitian menunjukkan bahwa Kualitas Produk berpengaruh positif dan tidak signifikan terhadap keputusan pembelian dengan nilai sig sebesar 0,413, Presepsi Harga berpengaruh positif dan signifikan terhadap keputusan pembelian dengan nilai sig sebesar 0,002, Word of mouth berpengaruh negatif dan signifikan terhadap keputusan pembelian dengan nilai sig sebesar 0,012, Dan kualitas produk, presepsi harga, dan word of mouth berpengaruh terhadap keputusan pembelian Produk Chicken Nugget Yamku dengan nilai sig sebesar 0,001.

PENGARUH FASILITAS, KUALITAS PELAYANAN DAN VARIASI PRODUK TERHADAP LOYALITAS PELANGGAN MIXUE ICE CREAM & TEA CABANG CEMARA ASRI

Siti Zahra Devina — 2025-11-10

Tujuan dari penelitian ini adalah : (1) untuk mengetahui apakah terdapat pengaruh positif dan signifikan fasilitas terhadap loyalitas pelanggan Mixue Ice Cream & Tea Cabang Cemara Asri, (2) untuk mengetahui apakah terdapat pengaruh positif dan signifikan kualitas pelayanan terhadap loyalitas pelanggan Mixue Ice Cream & Tea Cabang Cemara Asri, (3) untuk mengetahui apakah terdapat pengaruh positif dan signifikan variasi produk terhadap loyalitas pelanggan Mixue Ice Cream & Tea Cabang Cemara Asri, (4) untuk mengetahui apakah terdapat pengaruh fasilitas, kualitas pelayanan dan variasi produk terhadap loyalitas pelanggan Mixue Ice Cream & Tea Cabang Cemara Asri. Metode penelitian yang digunakan adalah metode kuantitatif dengan pendekatan asosiatif, jumlah sampel dalam penelitian ini ialah 100 responden. Data dikumpulkan melalui penyebaran angket atau kuesioner kepada pelangan yang melakukan pembelian di Mixue Cabang Cemara Asri, analisis data menggunakan uji regresi linear berganda dan statistik deskriptif. Pengolahan data dalam penelitian ini menggunakan SPSS 23 for windows. Berdasarkan hasil penelitian menunjukkan bahwa fasilitas berpengaruh positif namun tidak signifikan terhadap loyalitas pelanggan dengan nilai sig sebesar 0,60, kualitas pelayanan berpengaruh positif dan signifikan terhadap loyalitas pelanggan dengan nilai sig sebesar 0,00 dan variasi produk berpengaruh positif dan signifikan terhadap loyalita pelanggan dengan nilai sig sebesar 0,00. Fasilitas, kualitas pelayanan dan variasi produk secara simultan berpengaruh terhadap loyalitas pelanggan Mixue Ice Cream & Tea cabang Cemara Asri dengan nilai F sebesar 78,012

PENGARUH HARGA, PROMOSI DAN CITRA MEREK TERHADAP KEPUTUSAN PEMBELIAN KONSUMEN BIZNET PADA PT SUPRA PRIMATA NUSANTARA MEDAN

Cindy Aulia Pratiwi — 2025-11-10

Penelitian ini bertujuan untuk mengetahui pengaruh Harga, Promosi, dan Citra Merek terhadapKeputusan Pembelian Konsumen Biznet pada PT. Supra Primatama Nusantara Medan. Penelitian ini menggunakan pendekatan deskriptif kuantitatif bertujuan untuk mengetahui hubungan dua variabel atau lebih. Populasi penelitian ini adalah konsumen yang memakai layanan internet biznet di medan sebanyak 115 orang. Hasil penelitian secara parsial variabel harga berpengaruh secara posistif dan signifikan terhadap keputusan pembelian, variabel promosi berpengaruh positif dan signifikan terhadap keputusan pembelian, dan variabel Citra merek tidak berpengaruh positif dan signifikan terhadap keputusan pembelian. Secara bersama-sama (simultan) memiliki pengaruh positif dan signifikan terhadap keputusan pembelian keputusan pembelian pada produk layanan biznet di medan.

PENGARUH MOTIVASI DAN LINGKUNGAN KERJA TERHADAP SEMANGAT KERJA KARYAWAN PT. MENARA RIAU PERKASA

Kasmiruddin Kasmiruddin — 2025-11-27

Abstract: This study aims to analyze the impact of motivation and work environment on employee work enthusiasm at PT. Menara Riau Perkasa. The research employs a quantitative approach with a survey method, utilizing SPSS for data analysis. A sample of 40 employees was selected through purposive sampling. The findings indicate that both motivation and work environment have a positive and significant effect on employee work enthusiasm. Collectively, these independent variables account for 87.6% of the variation in work enthusiasm. This suggests that enhancing motivation and creating a supportive work environment are crucial for improving employee work enthusiasm in the heavy equipment industry.

Keywords: Motivation, Work Environment On Employee, Work Enthusiasm

PERAN KOMPETENSI, BUDAYA ORGANISASI DAN WORK LIFE BALANCE TERHADAP MOTIVASI KERJA PADA PT.BPR BANK BULELENG 45 (PERSERODA)

I Putu Ryan Purwa Adi Pratama — 2025-11-09

This study aims to analyze the influence of competence, organizational culture, and work life balance on work motivation among employees at PT. BPR Bank Buleleng 45 (Perseroda). The background of this research is based on the fact that the target for optimal credit distribution realization has not yet been achieved, despite various strategies having been implemented, indicating low employee work motivation. Data were collected through questionnaires distributed to 30 employees and analyzed using the Structural Equation Modeling Partial Least Square (SEM-PLS) method. The results of the study show that both organizational culture and competence have a positive and significant effect on work motivation, whereas work life balance has a negative but significant effect. A conducive organizational culture and high employee competence can increase work motivation, while poor management of work-life balance can reduce work enthusiasm. This research emphasizes the importance of creating a supportive work environment and improving human resource quality to support the achievement of company targets. The findings are expected to serve as a consideration in the formulation of human resource management policies in the banking sector, especially at BPR.

INTEGRASI PENGETAHUAN KEWIRAUSAHAAN DAN PRAKTIK MANAJEMEN KEUANGAN: STUDI KUALITATIF STAGNANSI UMKM DI KECAMATAN WATUKUMPUL INDONESIA

Aisyah Amalia — 2025-11-26

MSMEs in Watukumpul District face business stagnation despite having considerable entrepreneurial potential. This study aims to explore the factors hindering business growth and to formulate strategies for integrating entrepreneurial knowledge with financial management practices. Using a qualitative method, five entrepreneurs experiencing stagnation were interviewed in depth. Data analysis with the assistance of NVivo software revealed that stagnation was mainly caused by weak financial governance, characterized by the absence of financial recording, undisciplined working capital management, and business decisions largely based on intuition. The lack of product innovation and limited promotional activities further exacerbated this condition. Such circumstances hinder the contribution of MSMEs to the achievement of the Sustainable Development Goals (SDG 8 and SDG 9). This study proposes the development of an integrated mentoring model that combines financial literacy, the use of simple recording tools, and the strengthening of digital marketing skills. Integrating entrepreneurial knowledge and financial management is identified as a key strategy to break stagnation and foster sustainable MSME growth in rural areas.

IMPLEMENTASI TECHNOLOGY ACCEPTANCE MODEL 1996 PADA SISTEM INFORMASI AKADEMIK SEKOLAH TINGGI ILMU EKONOMI TUAH NEGERI

Rully Setiawan RZ — 2025-11-18

Penelitian ini bertujuan menganalisis faktor-faktor yang memengaruhi penerimaan
Sistem Informasi Akademik (SIAKAD) di STIE Tuah Negeri Dumai menggunakan
pendekatan Technology Acceptance Model (TAM). Penelitian ini melibatkan 40 responden
pengguna aktif SIAKAD dan dianalisis menggunakan Structural Equation Modelling –
Partial Least Square (SEM-PLS). Hasil pengujian menunjukkan bahwa variabel Perceived
Ease of Use (PEOU) tidak berpengaruh signifikan terhadap Behavioral Intention to Use
(BITU) dengan nilai t-statistic 1,665 < 1,96 dan p-value 0,096. Sebaliknya, Perceived
Usefulness (PU) berpengaruh positif dan signifikan terhadap BITU (t-statistic 3,353 > 1,96; pvalue 0,001; koefisien 0,547). Variabel BITU juga berpengaruh signifikan terhadap Actual
System Use (ASU) (t-statistic 9,591; p-value 0,000; koefisien 0,770). Selain itu, pengaruh
tidak langsung PU terhadap ASU melalui BITU signifikan (t-statistic 3,061; p-value 0,002;
koefisien 0,422), sedangkan pengaruh tidak langsung PEOU terhadap ASU tidak signifikan (tstatistic 1,599; p-value 0,110). Temuan ini menunjukkan bahwa persepsi manfaat memiliki
peran dominan dalam membentuk niat dan perilaku aktual penggunaan SIAKAD
dibandingkan kemudahan penggunaan sistem

DOES MOTIVATION LINK JOB SATISFACTION AND WORK ENVIRONMENT TO PERFORMANCE?

Muhammad Zain Alfain — 2025-10-29

This study examines the impact of the Work Environment and Job Satisfaction on Employee Performance, with Work Motivation as a mediating variable, focusing on 177 active employees in Central Java using SEM-PLS analysis. The results show that Job Satisfaction significantly enhances both Work Motivation and Employee Performance, while the Work Environment significantly affects Work Motivation but not Employee Performance directly. Work Motivation plays a crucial mediating role in linking the Work Environment and Job Satisfactio to Eemployee Performance. The findings highlight the importance of fostering Job Satisfaction and creating a supportive Work Environment to boost employee motivation and overall performance

PENGARUH KUALITAS LAYANAN TERHADAP KEPUASAN KONSUMEN MELALUI KEPERCAYAAN PELANGGAN SEBAGAI MEDIASI

Rozar Putratama — 2025-11-17

Dalam konteks manajemen layanan, memberikan kualitas layanan yang luar biasa membantu membangun hubungan abadi yang didasarkan pada kepercayaan selain memenuhi harapan pelanggan. Kepercayaan konsumen merupakan poin penting bagi Perseroan untuk mendukung pencapaian penerapan kualitas layanan Perseroan untuk kepuasan konsumen. Penelitian ini bertujuan untuk menyelidiki bagaimana kepercayaan konsumen berfungsi sebagai komponen mediasi dalam hubungan antara kesenangan pelanggan dan kualitas layanan. Populasi penelitian ini hanya terdiri dari konsumen. yang telah menggunakan layanan informasi dari BMKG, khususnya wilayah Jakarta Pusat dan sekitarnya dengan jumlah penduduk yang tidak diketahui, teknik pengambilan sampel menggunakan teknik snowball sampling. Analisis data statistik menggunakan aplikasi statistik yang digunakan untuk pengujian instrumen, asumsi klasik dan hipotesis. Hasil penelitian menunjukkan bahwa kualitas layanan dan kepercayaan konsumen memiliki efek langsung terhadap kepuasan konsumen. Demikian pula, kepercayaan konsumen secara langsung mempengaruhi kepuasan konsumen, sedangkan hasil pengujian mediasi membuktikan bahwa kepercayaan konsumen dapat memediasi pengaruh kualitas layanan terhadap kepuasan konsumen. Saran untuk peneliti masa depan harus dapat menguji variabel yang sama pada objek yang berbeda sehingga peran masing-masing variabel dapat digeneralisasikan.

Kata kunci: Kualitas layanan, Kepercayaan konsumen dan Kepuasan pelanggan

The THE EFFECT OF INVESTOR SENTIMENT ON COMPANY CAPITAL STRUCTURE: AN EMPIRICAL APPROACH IN THE FINANCIAL INDUSTRY

Diana Astutik Alawiyah — 2025-11-15

This study aims to empirically analyze the influence of investor sentiment on the capital structure of companies in the financial industry and examine the role of firm size as a moderating variable. Using a quantitative approach with panel data from 96 financial sector companies listed on the Indonesian Stock Exchange (IDX) during the 2021-2024 period, this study analyzes 384 data observations. Capital structure is measured by the Debt to Equity Ratio (DER), investor sentiment is proxied by Trading Volume Activity (TVA), and firm size is measured by the Natural Logarithm of Total Assets. The study’s findings indicate that investor sentiment significantly and positively influences a company’s capital structure. In other words, when market sentiment is strong, companies often increase their debt levels. Furthermore, firm size is shown to play a significant moderating role in this relationship, but in a negative direction. This means that the influence of investor sentiment on a company’s capital structure weakens in large companies. These findings, highlight the importance of investor sentiment in financing decisions, especially for small companies that are more vulnerable to market fluctuations, and provide implications for financial managers and regulators in formulating strategies and policies.

The THE EFFECT OF CORPORATE GOVERNANCE POLICY ON FINANCIAL PERFORMANCE IN THE BANKING SECTOR IN INDONESIA

Jeanissa Asna Kurniawati — 2025-11-15

This study investigates the impact of key corporate governance mechanisms—namely institutional ownership, the proportion of independent commissioners, and the presence of an audit committee—on the financial performance of conventional banks in Indonesia. This study aims to analyze the effect of institutional ownership, the proportion of independent commissioners, and the audit committee on financial performance in the conventional banking sector in Indonesia. Financial performance is measured using Return on Assets (ROA). This research employs a quantitative method with multiple linear regression analysis. The sample consists of 21 conventional banks listed on the Indonesia Stock Exchange for the 2019–2024 period, selected through purposive sampling. The results show that institutional ownership has no significant effect on financial performance. In contrast, the proportion of independent commissioners has a positive and significant effect on financial performance, while the audit committee has no significant effect. Simultaneously, all three variables significantly affect financial performance. These findings highlight the crucial role of independent commissioners in strengthening oversight and corporate governance to improve the financial performance of banks in Indonesia.

KESEHATAN PEKERJA INFORMAL DITINJAU DARI PENDIDIKAN, UPAH DAN KETERSEDIAAN LAPANGAN PEKERJAAN

Heru Kurniawan — 2025-11-17

Informal workers are of particular concern because they face the greatest health risks, so research needs to be conducted to see whether education, wages and employment opportunities can address the health dynamics of informal workers. This study uses multiple regression with panel data to determine the distribution of the impact of independent variables. The results of this study indicate that when education and wages increase, the health quality of informal workers also improves, and vice versa. However, employment opportunities do not have a significant impact because health is a prerequisite for obtaining job opportunities. Provinces with an average decline in health are those with low education levels and high mobility. The government needs to improve education and raise wage standards in provinces with high health risks, as well as implement policies related to the provision of healthcare facilities at the workplace.