This study aims to anlyze and comparing the efficiency of Islamic Life Insurance and Conventional Life Insurance in Indonesia. This study uses a quantitative non-parametric approach with Data Envelopment Analysis (DEA) with the assumption of Constant Return to Scale (CRS) and Variable Return to Scale (VRS) with input and output orientation. The samples are 3 Islamic Life Insurance (full fledge) and 3 Conventional Life Insurance that comply with the specified sample criteria during 2012-2019. The input variables used ared cost of commissive, operational cost, total equity, while the output variables is the premi income, and investment revenue. The results of the study indicate that the average result of DEA analysis for the entire DMU (Decision Making Unit) has not been efficient. In Conventional Life Insurance, the value of economic efficiency by 64,82 percent, technically efficiency for72,22 percent, and scale efficiency 81,4 percent, while in Islamic Life Insurance, the value of economic efficiency by 17,26 percent, technically efficiency for 53,71 persen, and scale efficiency 47,41 percent. Source of inefficiency Conventional and Islamic Life Insurance company is the sacle of operations and management of input to output is not optimal.
Research aims: The research aims to determine the effect of work-life balance and compensation on performance with job satisfaction as a variable intervening of millennial generation banking employees in Semarang City.Design/Methodology/Approach: This research design is quantitative. This study’s primary data was obtained by distributing questionnaires to millennial-generation banking employees. The study was conducted for one month. Hypothesis testing in this study used the SEM-STATA method.Research findings: With the object of research being the millennial generation working in the banking industry in Semarang City, compensation and work-life balance positively correlated with employee performance. The results also confirmed the role of the intervening variable, job satisfaction, in the relationship between work-life balance and compensation on employee performance. Theoretical contribution/Originality: The findings supported the existing theories (Spillover Theory, Enrichment Theory, and Equity Theory).Practitioner/Policy implication: For banking companies to pay attention to employee well-being because compensation will satisfy and motivate employees and improve work performance. It is also reasonable for the company to provide job satisfaction to employees to improve employee performance. To enhance the performance of banking employees for the millennial generation in the future through increasing programs that support employees to harmonize their personal lives and work activities to have a relationship with employees’ job satisfaction.Research limitation/Implication: The subject is limited to Millennial Generation and does not capture other generations, such as Baby Boomer and Generation X. It would be better if future researchers could analyze the different characteristics and personalities in the workplace. This paper also only tested the model by Millennial Generation who work in the banking industry in the Semarang City area. It cannot be generalized to other sectors and regions.
In offering a loan, banks have several considerations. This is because Standard Basel has regulations and requirements for banks to offer loans. This relates to the bank’s minimum capital and liquidity requirements. This factor includes external and internal factors. This is important to be noted because external and internal factors contain risks inherent in financial instruments. Risk management is one of the things that the executive is most concerned about in taking a policy. Risks faced by the bank include interest rate risk and credit risk. In this case, we study interest rate and credit risk in the bank’s loan offering management role. We study banks in ASEAN Countries. The results show that interest rate is one of the considerations of banks for providing the loan. But, no evidence of credit risk. We also add analysis using a profitability ratio that captures the bank’s loan offering management. In this case, profitability strengthens the model relationship tested.
The aim of this research is to analyze the factor that determines the firm’s capital structure. The population are manufacturing companies in Indonesia. The sampling technique used is purposive sampling, which the characteristics are listed manufacturing company and the data that available at least in three years on the period of 2015-2019. The total samples are 189 manufacturing companies. The research type is quantitative research, using secondary data obtained from Osiris Database. The research use balance panel data estimated by fixed effect model with Stata Software. The results show that size has a significant positive effect on the company’s capital structure, while liquidity and profitability have a negative significant effect on the company’s capital structure.
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