The purpose ofthis studywas to determine(1) the effectof reward, discipline and motivation in PT. PLN (persero) Tasikmalaya Region, (2) the effectofwillingness of the employees of the ministry and the administration of PT. PLN (persero) Territory Tasikmalaya, (3) influence of employee performance of service and administration of PT. PLN (Persero)TasikmalayaRegion, (4) influence of appreciation, discipline and work motivation on employee performance through the willingness of employee of service and administration of PT. PLN (Persero)TasikmalayaRegion. Subjects werePT. PLN (Persero)TasikmalayaRegionandits object thereward,discipline, motivation, willingness to workandperformanceofemployees.This type of datais qualitative data. Data collection methodused in this researchwere questionnaires, interviews, anddocumentationof datain 2017 andanalyzedpath.The results showedreward, discipline, and motivation affect the performance of employees through a willingness to work simultaneously.Keywords:reward;discipline;motivation;willingness to work;employeeperformance. Penelitian ini bertujuan untukmengetahui (1) pengaruh penghargaan, disiplin dan motivasi yang diberikan PT. PLN (persero) Area Tasikmalaya, (2) pengaruh kemauan kerja karyawan bagian pelayanan dan administrasi PT. PLN (persero) Area Tasikmalaya, (3) pengaruh kinerja karyawan bagian pelayanan dan administrasi PT. PLN (persero) Area Tasikmalaya, (4) pengaruh penghargaan, disiplin dan motivasi kerja terhadap kinerja karyawan melalui kemauan kerja karyawan bagian pelayanan dan administrasi PT. PLN (persero) Area Tasikmalaya. Subjek penelitian adalahPT. PLN (persero) Area Tasikmalaya dan obyeknya adalah penghargaan, disiplin, motivasi, kemauan kerja dan kinerja karyawan. Jenis data adalah data kualitatif. Metode pengumpulan data yang dipakai dalam penelitian ini adalah kuisioner, wawancara, dan dokumentasi data tahun 2017serta dianalisis dengan menggunakananalisi path.Hasil penelitian menunjukan penghargaan, disiplin, dan motivasi berpengaruh terhadap kinerja karyawan melalui kemauan kerja secara simultan.Kata Kunci: penghargaan;disiplin;motivasi;kemauan kerja; kinerja karyawan.
The purpose of this study is to find out and analyze the effect of credit ratio(Loan to Funding Ratio / LFR) and credit price (Loan Pricing) on profitability (Net Profit Margin) with credit risk (Non Performing Loan / NPL) as Intervening Variable. The research was conducted on banking listed on the Indonesia Stock Exchange.The research method used is descriptive analysis with the data used is secondary data in the form of Income and Balance Sheet statements on banks listed on the Indonesia Stock Exchange. Analytical tools use financial ratios in the form of Loan to Funding Ratio (LFR), Loan Pricing, Credit Risk (Non Performing Loan) and Net Profit Margin and intervening regression analysis.Based on the results of research it is known that Credit Risk (NPL) becomes a partial intervening variable between Loan Funding Rastio against Net Profit Margin (NPM), while between Credit Price (Loan Pricing)against Net Profit Margin, Credit Risk (NPL) becomes a perfect intervening variable. Tujuan Penelitian ini adalah untuk mengetahui dan menganalisis pengaruh rasio kredit (Loan to Funding Ratio /LFR) dan harga kredit (Loan Pricing) terhadap profitabilitas (Net Profit Margin) dengan risiko kredit (Non Performing Loan/NPL) sebagai Variabel Intervening .Penelitian dilakukan pada Perbankan yang tercatat di Bursa Efek Indonesia.Metode Penelitian yang digunakan adalah analisis deskriptif dengan data yang digunakan adalah data sekunder berupa laporan Keuangan Laba Rugi dan Neraca pada Perbankan yang tercatat di Bursa Efek Indonesia .Alat analisis menggunakan rasio keuangan berupa Loan to Funding Ratio (LFR), Loan Pricing ( Harga Kredit) , Risiko Kredit ( Non Performing Loan) dan Net Profit Margin dan analisis regressi intervening . Berdasarkan hasil penelitian diketahui bahwa bahwa Risiko Kredit (NPL) menjadi variable intervening parsial antara Loan Funding Rastio terhadap Net Profit Margin (NPM), sedangkan antara Harga Kredit ( Loan Pricing) terhadap Net Profit Margin, Risiko Kredit (NPL) menjadivariable intervening sempurna .
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