Abstract:Bad credit is one of the main problems faced by the banking sector, which can threaten financial stability and bank profitability. This research aims to analyze the causes of bad credit through the literature review method,…
od, by identifying and evaluating relevant scientific works. The research results show that the causes of bad credit can be categorized into four main factors: internal factors of the borrower, external factors of the borrower, internal factors of the bank, and regulatory and policy factors. The borrower's internal factors include poor management and weak financial capabilities, while external factors include unstable macroeconomic conditions and intense business competition. Internal bank factors include weak credit assessment processes and inappropriate credit policies, while regulatory and policy factors include less effective regulations and erratic changes in government policy. To reduce the risk of bad credit, banks and financial institutions are advised to improve credit assessment processes, tighten supervision of the use of funds, develop credit policies that are more flexible but based on in-depth risk analysis, and strengthen regulations and supervision. Macroeconomic risk mitigation strategies are also important to maintain financial stability. By implementing these strategic steps, it is hoped that the risk of bad credit can be minimized, support the stability and sustainability of the banking sector, and increase trust and security for all parties involved. This research emphasizes the importance of a comprehensive and coordinated approach in credit risk management to ensure the sustainability and stability of the financial system.
Abstract:PT Sugar Group Companies requires an information system that affects raw material inventory control. In this research, the Exponential Smoothing method is implemented to estimate the amount of raw materials needed in the…
future. This method is useful for companies to carefully calculate the amount of raw materials needed, this can reduce the budget and increase operational capabilities. The results of the study state that the Exponential Smoothing method can be used effectively in raw material inventory control information systems, both in industries that have high differences in demand for raw materials. Therefore, this system can facilitate PT Sugar Group Companies in optimizing the use of resources and developing service quality.
Abstract:To ensure that the human resource management function of a company or organization runs well, a human resource management audit is very important to overcome economic challenges so after all, one of the keys to a company's…
's success lies in the quality of its human resources. The results of this literature review aim to analyze the role of management audit in human resources. The method used to write this journal article is a literature review with an explanation of findings, theories and sources from other research which are quoted from references to become the basis for conducting research that comes from thoughts that have been produced by the researchers.The results of a review of research journals overall conclude that management audits can be utilized in the effectiveness of human resources which helps achieve company goals. By increasing the effectiveness of the company to achieve its goals, the company requires a management audit. This is in accordance with the results of a review which concluded that management audit plays an important role in human resources.
Abstract:The aim of this research is to determine the influence of product quality and price perception on purchasing decisions for Pixy cometics products at Watson, East Jakarta. The analysis method in this research uses primary…
data. The test stages carried out were validity tests, reliability tests, classical assumption tests (normality test, multicollinearity test, heteroscedasticity test), multiple linear regression analysis tests, T test, F test, and coefficient of determination test (R2). The data used in this research used a questionnaire questionnaire via Google Form and consisted of 100 respondents. The sampling method in this research is non-probability sampling with a purposive sampling technique. The testing tool used in this research is IBM SPSS 26 software. The results of this research show that simultaneously the product quality variable and the price perception variable have a significant influence on purchasing decisions for Pixy cosmetic products at Watson, East Jakarta. Partially, the product quality variable has a positive and significant effect on purchasing decisions, and the price perception variable has a positive and significant effect on purchasing decisions for consumers of Pixy cosmetic products at Watson, East Jakarta.
Abstract:This research aims to examine the effect of Fixed Asset Investment, Solvency, Working Capital and Free Cash Flow on Profitability. Several previous studies showed various results. To obtain valid results, a test is carried…
ed out on each variable based on the hypothesis that is built. The research population is manufacturing companies listed on the Indonesia Stock Exchange for the 2017-2020 period. The sample used was selected using a purposive sampling method. After eliminating data with several criteria, 57 companies were identified as samples during the 2017-2020 period. Hypothesis testing was carried out using multiple linear regression analysis with the help of IBM SPSS version 25 software. The results of this research show that Fixed Asset Investment, Solvency and Free Cash Flow have an influence on Profitability, while Working Capital has no influence on Profitability.
Abstract:Artificial Intelligence has become a transformative technology in the field of financial technology, leveraging advanced algorithms and machine learning to identify risks and make informed decisions. However, its widespread…
ead adoption presents new challenges related to ethical use, data privacy, security concerns, potential bias, and discrimination. This study aims to explore the benefits of AI-based risk management in Fintech while highlighting associated challenges and providing recommendations. This research utilises the systematic review methodology to analyse existing literature and identify important patterns, gaps, and areas for further investigation. The study utilised data gathered from the Scopus database to obtain credible scholarly materials. Research data was collected from a variety of countries including the United States, China, European nations, and other Asian countries in order to develop a comprehensive understanding of AI-based risk management on a global scale. The findings highlight the crucial role of ethical considerations in implementing AI-based risk management systems to ensure fairness, transparency, and accountability. Moreover, the fintech industry needs to establish strong data protection measures and address issues related to bias and discrimination in order to instil trust and uphold public confidence in AI-based risk management. Future research should emphasise assessing the effectiveness of different algorithms and approaches while also examining potential regulatory frameworks and legal implications associated with AI-based risk management strategies.
Abstract:This research aims to determine what factors influence the production and marketing of salted anchovies in Barru District, Sumpang Binangae Village, Barru Regency. The data used in this research are primary and secondary…
data. The analytical method used in this research is multiple linear regression analysis. The results of the research show that the factors that influence the production of salted anchovies in the variables of labor (X1) and capital (X2) simultaneously have a significant effect on the amount of salted anchovy production in Barru District, Sumpang Binangae Village, Barru Regency. The marketing channels for salted anchovies in Barru District, Sumpang Binangae Village, Barru Regency consist of 3 (three) marketing channel patterns, namely: salted anchovy processors-consumers; (2) salted anchovy processor-trader collector-consumer; (3) salted anchovy processors- collecting traders- retailers- consumers. The lowest marketing margin value is marketing channel I, namely IDR. 640/Kg while the highest marketing margin value in channel III is Rp. 8,640/Kg.
Abstract:The selection of operational management processes is significantly influenced by technology, which can enhance the efficiency and effectiveness of company operations. The application of information technology enables organizations…
anizations to manage equipment, human resources, and production processes in a more efficient and effective manner. In the selection of operational management processes, information technology plays a pivotal role in identifying and selecting production processes that align with the needs of the organization. Furthermore, information technology facilitates the implementation of effective human resource management systems. This paper examines the role of technology in operational management process selection and the impact of information technology on organizational operations.
Abstract:In order to increase the resilience of the supply chains in the United States, this paper examines the risks and vulnerabilities that exist in them and suggests policy goals. By employing both numerical data and empirical…
l proof, we pinpoint the primary obstacles endangering the steadiness and effectiveness of supply networks. These risks are exacerbated by elements like globalization, technological changes, and natural calamities. We examine different policy initiatives, such as international cooperation, investment plans, and regulations, and provide recommendations to reduce these vulnerabilities and strengthen the resilience of U.S. supply chains .
Abstract:This research aims to determine the marketing influence of Word of Mouth Marketing on the decision to purchase services from PT. JILC Branch My Pongti in Makassar City. The population in this research is JILC students My…
group is 252 people. The number of samples used was 71 people by using Slovin's sample theory. Data collection was carried out by using observation and questionnaire methods. Technical data analysis used is multiple linear regression analysis using statistics Product and Service Solution (SPSS) v.21. The multiple linear regression equation produces the equation Y = 5.451 + 0.697X1 + 0.052X2. Thus the results of this study found that The Word of Mouth variable has a positive and significant effect on decisions Consumer. The results of the correlation analysis of determination (R Square) were 0.487 or 48.7%. This shows that the percentage influence of the independent variable amounting to 48.7%. Meanwhile, the remaining 51.3% was influenced or explained by other variables not included in this research model. F count (32.327)> F table (3.128) with a significance level of 0.000 < 0.05. So hypothesis that is accepted is H1 which means variable X (Organic WOM and Amplified WOM) simultaneously has a significant influence on variable Y (Consumer Decision). Meanwhile, the t test results explain the calculated t for variable X1 is (7.185) > t table (1.995) with a significance level of 0.000 < 0.05. So H0 is rejected and the accepted hypothesis is H2 which means variable Organic WOM partially has a significant influence on the variables Y (Consumer Decision). The results of the partial test for variable X2 explain that t count 0.0494 > 0.05. So H3 is rejected and the accepted hypothesis is H0 which means that the Amplified WOM variable partially has no influence significant to variable Y (Consumer Decision).