Journal of Risk and Uncertainty Issues

ANALYSIS OF SERVICE QUALITY IMPROVEMENT AND PRODUCT INNOVATION ON COMPETITIVE ADVANTAGE AND THEIR IMPACT ON INTEREST IN SAVING MILENIAL GENERATION IN MAKASSAR CITY

Weni Suciyana — 2023-06-30

Analyzing the effect of service quality and product innovation on competitive advantage and their impact on the millennial generation's interest in saving in Makassar City is the objective of this study. The millennial generation is an important group in the economy and has shown different tendencies in financial behavior, especially in terms of saving. For this reason, financial institutions and banking service providers need to comprehend the factors that influence their propensity to save.

This research employs a quantitative methodology to examine the millennial generation in Makassar City. According to the findings of this research, service quality has a favorable and considerable impact on competitive advantage. In this context, the higher the quality of services offered by financial institutions, the greater their competitive advantage. In addition, Product innovation has a positive and substantial effect on competitive advantage as well. Product innovation that is attractive and relevant to the needs of the millennial generation can enhance financial institutions' competitive advantage. In addition, the results of this study also show that competitive advantage has a positive and significant impact on the millennial generation's interest in saving in Makassar City.

This research makes an important contribution to financial institutions and banking service providers in understanding the factors that influence the millennial generation's intention to save. In facing increasingly fierce competition, financial institutions can increase their competitive advantage by improving the quality of services provided and developing product innovations that are relevant to the needs of the millennial generation. Thus, they can increase the interest of the millennial generation in saving, which in turn will provide benefits for the growth and stability of the financial sector in Makassar City.

ANALYSIS OF INTELLECTUAL CAPITAL TO INCREASE BUSINESS PERFORMANCE (SURVEY ON PT. TELEKOMUNIKASI INDONESIA, TBK WITEL SULSEL)

Marry Fusfita — 2023-06-30

This study aims to investigate the influence of dominant factors of intellectual capital: human capital, customer capital and structural capital to business performance as a test of the theory and models of Bontis et. al. (non monetary), with the surveyed private firms On PT. Telekomunikasi Indonesia, Tbk Witel Sulsel. The importance of intellectual capital is now considering that the company has begun to consider intellectual capital to distinguish intangible, intangible company's assets where assets are not only gained by spending some money but can also be used and make a profit. The respondents in this study were as 120 employees. The analysis technique used to test the hypothesis is factor analysis. The results showed that the three independent variables,

THE INFLUENCE OF WORK CULTURE VALUE ON OFFICIAL'S PERFORMANCE AT PT BANK BUKOPIN Tbk OF MAIN BRANCH OFFICE OF MAKASSAR

Ahmad Salihin — 2023-06-30

This research aims to find out the influence of the working culture values of Bank Bukopin involving professionalism, integrity, customer orientation, continuous improvement at PT. Bank Bukopin Tbk. of Main Branch Office of Makassar, and find out the more dominant value affecting officials' performance at PT. Bank Bukopin Tbk. of Main Branch Office of Makassar.

The population in this research consists of 103 officials. The sample consisted of 84 officials selected using Isaac and Michel formula with a deviation level of 5%. The data consists of primary and secondary data obtained through a questionnaire and documentation technique. They were then analyzed using validity and reliability analyzes to test the hypothesis. They were processed using the SPSS program version 14.00

The results of multiple regression analysis show that the culture values of Bank Bukopin involve professionalism, integrity, focus for customer orientation, continual improvement have influence on officials' performance. The results of the analysis indicate that the dominant value affecting official performance is continuous improvement. This is shown by regression analysis in which t-count is 2.652 and the amount of contribution of working culture value to officials' performance is 58.2%, while the rest 41.8% is influenced by other variables which are not under research.

EFFECTIVENESS ANALYSIS OF THE GRAMEEN BANK SYSTEM TO ADRESS TROUBLED CREDIT COOPERATIVE PARTNER DHUAFA IN JAKARTA

umi iriana fabanjo — 2023-06-30

This study aims to (1) analyze the effect of human capital (X1), social capital (X2) and SOP (X3) on the effectiveness of the Grameen Bank system in the control of non-performing loans and (2) dominant variables affecting the effectiveness of Grameen Bank in a credit control system is problematic in the Komida Center office. This research was conducted at the Central Office Cooperative Partner Dhuafa Jakarta for 2 months, from April to May 2012. The study design used is descriptive and associative. The population in this study were employees of Koperasi Mitra Dhuafa Headquarters Jakarta as many as 36 people. In relation to the population is relatively small and accessible in their entirety by the researchers, the use of saturated samples. The data were analyzed by multiple linear regression.

The results showed that (1) human capital (X1), social capital (X2) and SOP (X3) have a positive and significant impact on the effectiveness of the Grameen Bank system in the control of non-performing loans at the Komida Center and (2) human capital has the most dominant on the effectiveness of the Grameen Bank system in the control of non-performing loans at the Komida Center than both other variables.

ANALYSIS OF THE LEVEL OF SUITABILITY OF SERVICE QUALITY DIMENSIONS FOR PASSENGER SATISFACTION ON GARUDA INDONESIA AIRLINE MAKASSAR – JAKARTA ROUTE

Dian Viany S. Aritonang — 2023-06-30

Garuda Indonesia is currently included in the 24 airlines in the world for the category four stars (four stars airlines). For the initial steps of priority Garuda Indonesia is reorganized operations and management of Garuda flights to be on time with excellent service quality. As part of the service improvement program, Garuda charted 28 service touch points, ranging from pre to post-journey journeys for passenger comfort. The 28 touch points will be analyzed in this study.

This study aims to analyze the suitability of the dimensions of quality services to the satisfaction of Garuda Indonesia airline passenger route Makassar - Jakarta, as well as analyze the quality dimension of the Garuda service to give satisfaction to passengers Garuda route Makassar - Jakarta. Analytical methods used are Level Conformity and Cartesian Diagrams.

The results showed that: 1) Garuda service quality dimensions have not been able to give satisfaction to the passenger routes Garuda Indonesia Makassar - Jakarta, 2) Among the five Garuda service quality dimensions, the tangible dimension that has the greatest fitness levels of passenger satisfaction levels Garuda route Makassar - Jakarta.