Impact of Related Lending on Bank Health: Case Study in Indonesia Banking Industry

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Related lending is a critical driver of banks’ health, particularly on its profitability and risks profile. As banks engage in related lending activities, they face challenges in managing profitability and assessing various risks, including systemic and credit risks. Nevertheless, the banking literature presents divided views on this: the information view and the looting view. The information view posits that related lending could enhance bank profitability and reduce risks through improved information symmetry between banks and borrowers. Conversely, the looting view theorizes that related lending may deteriorate banks’ performance, reducing profitability and increasing risks, primarily due to the misallocation of resources and the prioritization of personal interests by banks’ insiders.

The challenges of related lending have been intensified by the global crisis of the COVID-19 pandemic. Empirical research indicate that banks tend to increase lending to related parties by up to 20% during economic difficulties, with more significant effects in emerging economy such as Indonesia. This trend is reflected in increasing related lending ratio and deteriorating financial indicators of publicly listed Indonesian banks, such as declining profitability ratios of return on assets (ROA) and net interest margin (NIM), as well as increasing risk ratios of higher non-performing loans (NPL) during the pandemic’s onset.

Therefore, this study will investigate the impact of related lending on bank health of publicly listed Indonesian banks across two critical periods, before crisis (2013-2019) and during the crisis due to the pandemic (2020-2022). By employing a quantitative approach through regression analysis, this study will be able to assess the relationship between bank profitability and risk ratios with their corresponding variables. The aim is to provide empirical evidence on whether related lending enhance or impair bank performance in terms of profitability and risk, particularly under the economic strains brought by the pandemic.

The Determination of Maximum Flow Rate in Well X Layer Y Field Z

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The field development target which usually in field X are mostly carried out in gas reservoirs over time, in several candidate wells gas reserves have started to run low so that the remaining oil reserves and pressure in the reservoir naturally decrease or natural depletion. This is due to continuous production of gas reserves. One of the wells that has the biggest potential for oil reserves in field X is well A9. In this study, the maximum flow rate was determined in the A9 layer A well in field X with a skin value of 10 using manual calculations. From manual calculations on the condition of well X with skin 10 Qmax Well X from the IPR plot results with manual calculations is 25.87 bbl/day with a PI value obtained 0.009371 stb/d/psi meanwhile in well condition X without skin the Qmax value obtained is 40.12 bbl/day with a skinless J value of 0.01457 stb/d/psi. From the determination of IPR on ECRIN, the Qmax value in well X without skin is 43.08 bbl/day, meanwhile in the condition of well X with skin 10 the Qmax value obtained is 25.84 bbl/day

Purchase Intentions in Indonesian E-Learning: A Study on Brand Equity, Advertising, and Pricing

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This study investigates the factors influencing purchase intentions for online paid courses in Indonesia, with a particular focus on brand equity, advertising, and price. Utilizing a Likert scale questionnaire distributed to 595 Indonesians aged 18-35, who bought their e-learning themselves or through family support. The research employs Partial Least Square-Structural Equation Modeling (PLS-SEM) for data analysis. Key findings indicate a strong preference for e-learning platforms offering interactive, practical content aligned with personal and professional development goals. The study reveals that enhancing skill sets, especially for career advancement or entrepreneurship, is a primary motivator for users. The importance of practical application of skills in real-world scenarios is emphasized, highlighting the need for practical exercises and case studies in course content. Quality mentorship and interactive features like live sessions significantly improve the learning experience, while technical issues and budget considerations are noted as potential barriers. The findings suggest that e-learning providers should focus on delivering high-quality content through flexible and competitive pricing models to attract and retain learners.

The Effect of Digital Transformation on Employee Performance (Case Study: PT. Indonesia Power UPJP Kamojang)

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PT. Indonesia Power UPJP Kamojang is one of the business units engaged in the Generation Unit and Generation Services (UPJP). Performance at PT. Indonesia Power UPJP Kamojang changes every year. In 2022 it is said that there will be a decrease compared to 2021. In line with this decrease, the company is carrying out a digital transformation that is required for all PLN subsidiaries. The purpose of this study is to determine the digital transformation that is implemented, the performance of existing employees and how much influence digital transformation has on the performance of employees of PT. Indonesia Power UPJP Kamojang based on existing dimensions. This type of research is descriptive and causal in nature. This study used a quantitative method with a questionnaire data collection technique which was distributed to 148 employees of PT. Indonesia Power UPJP Kamojang, with a sampling technique that is simple random sampling. Data analysis using the Structural Equation Model (SEM).The research results show that digital transformation seen from the customer experience and collaborative capability dimensions is categorized as quite good, the process and business model dimensions are categorized as good, the culture and technology dimensions are categorized as strong, and employee performance seen from the dimensions of task performance and contextual performance is categorized as quite high. The statistical test results showed that there was a significant influence of customer experience, collaborative capabilities, process, business model, culture and technology on task performance and contextual performance of PT. Indonesia Power UPJP Kamojang. It is recommended that companies need to improve digital-based customer service technology, training on digital tools, digitalization processes by senior management and supervisory teams, company value propositions, development of digital culture, use of new digital technology, giving targets to employees and giving rewards to employees.

Infrastructure Management for Children with Special Needs in Inclusive Schools: A Literature Review

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The importance of infrastructure management for children with special needs in inclusive schools is interesting to study more deeply in order to achieve educational goals. There are several articles on infrastructure management in inclusive schools that can be found. The review was conducted to find out how infrastructure management is conducted in inclusive schools. Based on the results of the literature review, it was found that there is a significant relationship between infrastructure management in inclusive schools in order to achieve learning objectives. The management of infrastructure facilities has six important points in its implementation, namely planning needs, procurement of infrastructure facilities, inventory, maintenance, use, and elimination. This is carried out in order to achieve educational goals in inclusive schools.

Proposed Marketing Strategy for Music Band in Indonesia (Case: YOI Band)

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YOI is an Indonesian music group that was founded in Bandung. They have been successful since the publication of their first album in 2007, however they have struggled with decreasing sales in recent years. The band members stated that improper management, especially with regard to marketing initiatives that make them less competitive, is the primary cause of the issues. In order to improve YOI’s business performance, this research suggests a marketing plan. The SWOT analysis, TOWS matrix, and 4P Mix Marketing framework are among the various of the strategic analytical techniques and frameworks that were utilized in this research to help formulate strategy. The research’s approach focused on consumer analysis, while gathering data from surveys, interviews, and secondary sources. In order to identify opportunities and threats facing YOI, the research also included an external analysis that considered political, legal, economic, demographic, sociocultural, technological, global, and physical aspects. The industry analysis was conducted using Porter’s Five Forces model. In order to get a deeper understanding of the competitive environment, this research also conducts competitor and internal analysis to pinpoint YOI’s strengths and weaknesses. The findings indicate that YOI had challenges such as low barriers to entry and intense competition, while simultaneously benefiting from advantages such as a strong brand reputation and a favorable economic climate. In order to address the difficulty and make the most of the prospects, the research suggested focusing on the young and established enthusiasts segments, and strategically positioning by aligning YOI’s capabilities with their desires. The study provided strategies to harness the influence of social media users in order promote YOI’s positive image and undertake product differentiation initiatives to address the intense competition. The study concludes with proposing a marketing strategy and implementation plan to effectively tackle the issues faced by YOI and capitalize on the potential available.

Financial Analysis for Land Reinforcement Project to Optimize Dump Capacity INL Pit Case: Coal Mining Company PT. XYZ East Kalimantan

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PT XYZ, a leading coal mining company in Indonesia located in East Kalimantan, boasts a production capacity of 55 million tonnes annually. Engaging in coal mining and sales for domestic and international clients across diverse industrial sectors, PT XYZ’s INL Area plays a pivotal role in its production for the next eight years, producing low-quality coal with an average calorific value of 4200 Kcal/kg GAR. As a cost leadership business, the company prioritizes cost efficiency, particularly in fuel consumption, notably for overburden movement. To enhance efficiency, PT XYZ explores the optimization of the distance from the mining front of the INL pit to the waste dump. A financial analysis case study compares two scenarios using a financial model: Scenario A, utilizing the recent waste dump with a cycle time of approximately 6.7 km, and Scenario B, proposing a new waste dump design with an investment in borepile reinforcement to accommodate overburden removal for the INL pit, resulting in a reduced cycle time of around 5 km. The financial model assesses feasibility parameters such as NPV, IRR, PI, and PBP between the scenarios, conducting scenario analysis to measure project success probability and identify significant variables affecting project feasibility. A Rsik Analysis on the project considers coal price realization and fuel consumption as key variables influencing the project’s value. The recommended option is Scenario B, presenting higher value for PT XYZ, with an investment in borepile reinforcement yielding a potential NPV of around $144.24 million, an IRR of 33%, and a PBV of 4.2 years.

Do Instructional Strategies Impact Students’ Situational Interests in Learning Mathematics? A Case Study of Secondary School Students in Guyana

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This experimental study investigates which instructional strategies are effective in promoting situational interest in learning mathematics among secondary school students. This research study builds on established theories of interest and mathematics education. Situational interest is an important facet of learning engagement, and it can potentially enhance students’ interest and motivation in class.  A total of 165 students were engaged in this study, selected from three diverse secondary schools in Georgetown, Guyana, encompassing different grade levels and varying motivating profiles. This study employed a quantitative research design, providing a comprehensive understanding of the relationship between instructional strategies and situational interest. Participants were given a carefully constructed questionnaire that entails questions about their level of situational interest and their perceptions of various instructional strategies used in their mathematics classroom. Results suggested visual aids, inquiry-based learning, and collaborative learning are most effective in promoting situational interest. These findings highlight the interplay between pedagogical approaches and students’ motivation, and how closely connected they are. This emphasizes the importance of using teaching strategies that align with students’ interests and needs.

 

Proposed Strategy on Diversity Climate, Organization Development, and Organization Effectiveness in Indonesian Transportation Company

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This research aims to comprehensively investigate the impact of diversity climate on organizational development and effectiveness within PT Thomas Gesit, a state-owned enterprise in Indonesia. The study is motivated by the need to address the challenges posed by diversity and its influence on organizational practices, particularly in the context of a specific division within the company. The research is guided by the following objectives: to identify and analyse the organizational practices unique to the company that impact diversity climate and employee collaboration, to implement HR strategies based on the existing conditions for the benefit of similar companies in the industry, and to explore the influence of diversity climate on employee collaboration within the state-owned enterprise. All the source persons’ data is anonymous and presented in pseudonyms to maintains confidentiality regarding the company’s identity, the researcher aims to uphold the principles of responsible scholarship and avoid any unintended repercussions.

Erasmus+ Student’s Motives from the Perspective of Self-Determination Theory: A Review of Literature

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Numerous theories have explained students’ motives for participating in the Erasmus+ mobility program. Push-pull theory, consumer decision-making models, and rational choice theories are the most famous. Regardless of their merits, personal motives for Erasmus+ are ignored. Using the perspective of Self-determination theory, this literature review examines different articles and categorizes the main motives based on fundamental psychological needs of autonomy, competence, and relatedness. It was found that personal growth, leisure, and travel desire were autonomous motives, language learning, adaptability and independence were under competence while meeting new people and European identity fell under relatedness. This review illuminates the significance of considering personal motives in Erasmus+ and it could serve as a basis for future research in improving and tailoring the program.