PT Bank Negara Indonesia Research Articles

Non-Performing Loans’ Impacts on the Banking Industries’ Loan Loss Provisions

Non-performing loans can impact the loan loss provisions of the banking industry. The sample of this research was collected from three banks: PT Bank Negara Indonesia (Persero) Tbk, PT Bank Rakyat Indonesia (Persero) Tbk, and PT Bank Mandiri (Persero) Tbk, for the period of 2013-2018. There were 72 data, 24 from each of the banks. The analysis was carried out using multiple linear regression and Sobel path analyses. The results showed that Capital Adequacy Ratio had a significant positive effect on Non-Performing Loans. Interest rates did not significantly affect Non-Performing Loans. Non-Performing Loans did not significantly affect Loan Loss Provision. Capital Adequacy Ratio had a significantly positive effect on Loan Loss Provision. Interest rates did not significantly affect Loan Loss Provision. Foreign exchange rates (USD against Rupiah) did not significantly moderate the positive effect of the Capital Adequacy Ratio on the Loan Loss Provision. USD exchange rates significantly moderated the negative effect of Non-Performing Loans on Loan Loss Provision. The interaction between the USD exchange rate and Non-Performing Loans negatively affected Loan Loss Provision. Foreign exchange rates did not significantly or positively moderate the effect of interest rates on Loan Loss Provision. Non-Performing Loans significantly mediated the positive effect of Capital Adequacy Ratio on the Loan Loss Provision. In other words, the positive effect of the Capital Adequacy Ratio on Loan Loss Provision is more positive when Non-Performing Loans increase, and vice versa. Non-Performing Loans did not significantly mediate the negative effect of interest rates on Loan Loss Provision, or the negative effect of interest rates on the Loan Loss Provision would be more negative when the Non-Performing Loans decreases, and vice versa.
 

EFFECT OF CAPITAL ADEQUACY RATIO (CAR), NET INTEREST MARGIN (NIM), AND LOAN TO DEPOSITS RATIO (LDR) ON RETURN ON ASSET (ROA) IN PT BANK NEGARA INDONESIA PERSERO TBK PERIOD OF 2011-2021

One measure to assess the level of soundness or performance of a bank's profitability is Return On Assets (ROA). The level of Return On Assets (ROA) is used to measure bank profitability and focuses on the company's ability to earn profits in its operations, Bank Indonesia sets a minimum amount of Return On Assets (ROA) of 1.5%. However, the Return on Assets (ROA) at PT Bank Negara Indonesia Persero, Tbk for the 2011-2021 period fluctuated with a downward trend. Many factors can affect the rise and fall of Return On Assets (ROA). This study aims to explain the effect of Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), and Loan to Deposits Ratio (LDR) on Return On Assets (ROA). This research uses quantitative methods with descriptive and verification approaches. The type of data is secondary data sourced from www.idx.co.id and the annual report of PT Bank Negara Indonesia, Tbk. The data analysis method used is descriptive analysis and verification analysis (classical assumption test, multiple regression analysis, correlation coefficient analysis, coefficient of determination analysis, and hypothesis testing). The results showed that: 1) Return on Assets (ROA) fluctuated with a downward trend with an average of 2.53% and a standard deviation of 0.87. 2) Capital Adequacy Ratio (CAR) fluctuates with a downward trend with an average of 17.97% and a standard deviation of 1.59. 3) Net Interest Margin (NIM) fluctuated with a downward trend with an average of 5.63% and a standard deviation of 0.68%. 4) Loan to Deposits Ratio (LDR) fluctuates with an increasing trend with an average of 84.79% and a standard deviation of 6.36. 5) Capital Adequacy Ratio (CAR) has no significant effect on Return On Assets (ROA). 6) Net Interest Margin (NIM) has a significant effect on Return On Assets (ROA). 7) Loan to Deposits Ratio (LDR) has no significant effect on Return On Assets (ROA). 8) Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), and Loan to Deposits Ratio (LDR) simultaneously (together) have a significant effect on Return On Assets (ROA). With the influence contribution of 67.50%, while the remaining 32.50% is influenced by other factors that are not included in the study.

Analisis Tingkat Kesehatan PT.Bank Negara Indonesia Tbk. Melalui Pendekatan Earnings dan Capital Periode 2014-2018

This study aims as to analyze the bank financial health rates of PT Bank Negara Indonesia, Tbk. for the period of 2014 to 2018. Data were collected through documentation and analyzed employing the earnings and capital approach using the indicators of return on asset (ROA), net interest margin (NIM), and cash adequacy ratio (CAR). The results unveil that during 2014 to 2018 respectively: (1) the earnings aspects of PT Bank Negara Indonesia, Tbk. were rated highly healthy with an average ROA value of 3.37 percent, 2.48 percent, 2.57 percent, 2.62 percent, 2.58 percent and NIM of 4.79 percent, 4.77 percent, 4.28 percent, 3.43 percent, 3.20 percent; (2) the capital aspects were rated highly healthy with an average CAR value of 16.27 percent, 17.90 percent, 18.78 percent, 18.42 percent, and 18.03 percent; (3) overall earnings and capital aspects at PT Bank Negara Indonesia, Tbk. from 2014 to 2018 were in the composite rank 1 (PK 1) which was highly healthy

Pengaruh Capital Adequacy Ratio, Biaya Operasional Pendapatan Operasional, Return On Equity Dan Non Performing Loan terhadap Harga Sahamsub Sektor Perbankan yang masuk pada LQ-45 di Bursa Efek IndonesiaPeriode 2016 – 2020

This research aims to analyze fistly, how to analyze how the simultaneous influence of Capital Adequasi Ratio, Operating Expenses of Operating Income, Return on Equity and Non Performing Loan on Stock Prices on banks entered on the LQ-45 index during 2016 - 2020 . Secondly, how to analyze how the partially influence of Capital Adequasi Ratio, Operating Expenses of Operating Income, Return on Equity and Non Performing Loan on Stock Prices on banks entered on the LQ-45 index during 2016 – 2020. The research methodology is descriptive and quantitative analysis methods. Data used is secondary data. The population become object in this research is banking industry on Indonesia Stock Exchange period 2016 - 2020. Amount sample the used is the 5 (five) industry company and still stand up during period of perception and also publicized of year of 2016 - 2020 by Indonesian Stock Exchange. And the analysis multiple regression, hypotesis test so determinant coefficient F test and t test. The object of this research is banking industry on Indonesia Stock Exchange period 2016-2020. Sample of object is PT Bank Mandiri (Persero),Tbk (BMRI), PT Bank Negara Indonesia (Persero),Tbk (BBNI), PT Bank Rakyat Indonesia (Persero),Tbk (BBRI), PT Bank Tabungan Negara(Persero),Tbk (BBTN), PT Bank Central Asia,Tbk (BBCA). F test result, it is known that variabels Capital Adequasi Ratio, Operating Expenses of Operating Income, Return on Equity and Non Performing Loan simultaneously and significant effect on stock prices. Fcount bigger than Ftable (12.764 > 2.71) or comparing the not significant level of 0.05 then (0.000 < 0.05) then Ho is accepted and Ha rejected. Then multiple regression equations are Y = 1,145 + 4,123X1 - 0,013X2 - 1,178X3 - 1,721X4 + e. Based on the results of the t test, return on equity and non performing loan have significant effect on stock prices. Conclusion is the independent variable simultaneously have and significant effect on sotck prices and partially return on equity and non performing loan have significant effect on stock prices

Bank Soundness Level Analysis Using Method Risk-Based Bank Rating (RBBR) at PT Bank Negara Indonesia (Persero), Tbk period 2018-2020

Banks are one of the institution holding finance _ role important in Indonesian economy . As one related industries with finance, banks are wheel mover economy national, so could said as his heart service finance. Study this aim for knowing evaluation level bank health at PT Bank Negara Indonesia (Persero), Tbk seen from factor Risk Profile, Good Corporate Governance, Earnings, and Capital period 2018-2020. Type used is study quantitative with using secondary data sourced from report finance Annual Report PT Bank Negara Indonesia (Persero), Tbk period 2018-2020. The method used in the research this is the RBBR (Risk-Based Bank Rating) method and uses NPL, LDR, GCG, ROA, NIM, and CAR variables that produce evaluation for knowing level bank health. Research results level bank health at PT Bank Negara Indonesia (Persero), Tbk the period 2018-2020 obtained results rating composite 1 (PK-1) reflecting that by general bank condition in "Very Healthy" state .

Bank Soundness Level Analysis Using Method Risk-Based Bank Rating (RBBR) at PT Bank Negara Indonesia (Persero), Tbk period 2018-2020

Banks are one of the institution holding finance _ role important in Indonesian economy . As one related industries with finance, banks are wheel mover economy national, so could said as his heart service finance. Study this aim for knowing evaluation level bank health at PT Bank Negara Indonesia (Persero), Tbk seen from factor Risk Profile, Good Corporate Governance, Earnings, and Capital period 2018-2020. Type used is study quantitative with using secondary data sourced from report finance Annual Report PT Bank Negara Indonesia (Persero), Tbk period 2018-2020. The method used in the research this is the RBBR (Risk-Based Bank Rating) method and uses NPL, LDR, GCG, ROA, NIM, and CAR variables that produce evaluation for knowing level bank health. Research results level bank health at PT Bank Negara Indonesia (Persero), Tbk the period 2018-2020 obtained results rating composite 1 (PK-1) reflecting that by general bank condition in "Very Healthy" state .

FAKTOR – FAKTOR YANG MEMPENGARUHI KELULUSAN PESERTA PELATIHAN BREVET CREDIT APPLICATION PACKAGE (CAP) DI PT BANK NEGARA INDONESIA (PERSERO) TBK

Employee training and development has an important role in increasing company competitiveness and productivity. The company's competitive power does not only rely on assets or capital owned, but the role of human resources is the main component in the continuity of the company. This study aims to determine the effect of partial and stimulant on the independent variable (X1) Facilitator, (X2) Material (X3) Method (X4) Participants' motivation on the dependent variable (Y) Graduates of Brevet Credit Application Package (CAP) training participants at PT Bank Negara Indonesia (Persero) Tbk. In addition, to find out the efforts made by BNI Corporate University as a training provider in increasing Brevet Credit Application Package (CAP) participants. The type of research used is quantitative research with a sample size of 50 respondents. The data analysis technique used multiple linear regression. The results of this study prove that there is a partial and simultaneous influence between the independent variable and the dependent variable. In addition, BNI Corporate University also has training in efforts to increase participant graduation in selecting quality facilitators, improving the quality of modules or materials, adjusting methods with material topics, and forms of motivation given by BNI Corporate University to the training participants.

Pengaruh Likuiditas, Kualitas Aset, Sensitivitas, Efisiensi Dan Profitabilitas Terhadap Permodalan Pada Bank Pemerintah

Capital Adequacy Ratio (CAR) is one of the indicator that used to measure thebank’s capital. The aims of this study are to investigate the effecs simultaneouslyand partially from Loan to Deposit Ratio (LDR), Investing Policy Ratio (IPR),Adverserly Classified Asset (APB), Non Performing Loan (NPL), Interest Rate Risk(IRR), Net Open Position (PDN), Operational Efficiency Ratio (BOPO), Fee BasedIncome Ratio (FBIR), Return On Asset (ROA) on CAR and which variable has thedominant effect on CAR. This study used secondary data taken from first periodquarterly of 2014 until the fourth quarterly of 2019 of government banks. This studyused sensus that consists PT Bank Mandiri Tbk, PT Bank Negara Indonesia Tbk,PT Bank Rakyat Indonesia Tbk, and PT Bank Tabungan Negara Tbk. The datawere processed by using SPSS 21. The result of this study revealed that LDR, IPR,APB, NPL, IRR, PDN, BOPO, FBIR, and ROA simultaneously have significanteffect on CAR. PDN and FBIR partially have significant effects on CAR. PDN isthe dominant variable that influences CAR.

Outsourcing Turnover Analysis at PT Bank Negara Indonesia’s Digital Operational Division

This study aimed to determine the factors causing an increase in turnover of outsourced employees at PT Bank Negara Indonesia’s Digital Operational Division and to find out what policies and strategic steps were taken to reduce this turnover rate. The researcher used qualitative approaches and data were collected through observations, document analysis and interviews with key informants including the Head of the Digital Operations Division, deputy leaders in charge of employees in the Digital Operations Division, leaders of support groups who were responsible for the availability of employees, supporting managers who directly oversaw outsourcing, employment provider companies, and outsourcing personnel who were still working as well as outsourced staff who had left. The research was conducted at PT Bank Negara Indonesia’s Digital Operational Division. It was found that there were intrinsic and extrinsic factors causing the increased turnover of outsourcing personnel. These intrinsic factors included the challenges of the job itself, work progression of promotion/rank, responsibility for the assigned job, recognition of work results, achievement, employee productivity, education, work experience and age. Meanwhile, extrinsic factors included administration and company policies as well as government regulations, supervision, salaries, interpersonal relationships, working conditions, supply and demand for the number of jobs with the availability of labor, attachment to the organization and corporate culture.
 Keywords: outsourcing, turnover

ANALISIS RASIO KEUANGAN PERBANKAN UNTUK MENILAI KINERJA KEUANGAN BANK

This research aims to find out the financial ratio of PT Bank Negara Indonesia (Persero), Tbk. in 2017 - 2020 and to find out the financial performance of PT Bank Negara Indonesia (Persero), Tbk. in 2017 - 2020 which is reviewed from the aspect of banking financial ratios. Based on the results of the analysis showed that PT Bank Negara Indonesia (Persero), Tbk. In 2017 to 2020, there are variable ratio results that are variable but still within normal numbers. This can explain that PT Bank Negara Indonesia (Persero), Tbk. it has good financial performance judging by liquidity, rentability and solvency ratios. Therefore, PT Bank Negara Indonesia (Persero), Tbk. can improve its financial health and improve its performance to the maximum

PENGARUH FINANCIAL LITERACY, DIGITAL MARKETING DAN WORD OF MOUTH TERHADAP MINAT MENGGUNAKAN INTERNET BANKING PADA NASABAH PT BANK NEGARA INDONESIA (PERSERO) TBK. KC PONOROGO SELAMA PANDEMI COVID-19

he Covid-19 pandemic in various countries around the world, including Indonesia, has encouraged an increase in financial and banking transactions carried out by the public through internet banking services. This study aims to determine the effect of Financial literacy, digital marketing and word of mouth on the interest in using internet banking for customers of PT Bank Negara Indonesia (Persero) Tbk. KC Ponorogo during the Covid-19 pandemic. Population in this study were customers of PT Bank Negara Indonesia (Persero) Tbk. KC Ponorogo from November 2020 to November 2021, totaling 1552 customers. The research sample amounted to 100 people whose size was determined by the Slovins formula. Sampling using purposive sampling technique. The research instrument used a questionnaire. The data analysis technique used the Partial Least Square (PLS) method with SmartPLS version 3.0 software. The results showed that; 1) Hypothesis 1 was rejected. This means that Financial literacy had no significant effect on customers' interest in using internet banking during the Covid-19 pandemic. 2) Hypothesis 2 was accepted. This means that digital marketing had a significant effect on customers' interest in using internet banking during the Covid-19 pandemic. 3) Hypothesis 3 was accepted. This means that word of mouth had a significant effect on the interest in using internet banking for customers of PT Bank Negara Indonesia (Persero) Tbk. KC Ponorogo during the Covid-19 pandemic.

PENGARUH RISIKO KREDIT, RISIKO LIKUIDITAS, DAN RISIKO OPERASIONAL TERHADAP PROFITABILITAS BANK UMUM PERSERO PERIODE 2013-2020

This study aims to determine the effect of credit risk, liquidity risk and operational risk either partially or simultaneously on the profitability of state-owned commercial banks listed on the IDX for the period 2013-2020. The type of research method is associative. The samples used were 4 banking companies including PT Bank Rakyat Indonesia (Persero) Tbk, PT Bank Mandiri (Persero) Tbk, PT Bank Negara Indonesia (Persero) Tbk and PT Bank Tabungan Negara (Persero) Tbk. In this study, a sampling technique was used in the form of saturated sampling with secondary data in the form of the annual financial statements of state-owned commercial banks for the period 2013-2020 which were obtained through the official website of the Indonesia Stock Exchange www.idx.co.id. The analysis technique was carried out through multiple linear regression analysis and with SPPS 16 software as data processing. This study obtained the results that credit risk and liquidity risk partially have no significant effect on profitability, while operational risk partially has a negative and significant effect on profitability. Simultaneous results, namely credit risk, liquidity risk and operational risk have a significant effect on profitability.

Inbound Marketing Strategy “BNI Tapcash” in the Competition of Electronic Money as a Digital Payment Tool

This study aimed to determine the inbound marketing strategy of PT Bank Negara Indonesia TapCash. This study used a qualitative method with data collection through interviews with the head of the consumer business division of the card section, managers of digital operations, marketing, and customers of Bank Negara Indonesia. The data analysis technique used SWOT analysis so that internal and external factors could be found. Based on the results of data analysis, the inbound marketing strategy implemented by PT Bank Negara Indonesia to market TapCash had four strategies, namely posting blogs, SEO, advertising and networking, while the inbound marketing strategy that used email had not been applied to TapCash marketing and based on the SWOT analysis,it showed that the strategy inbound marketing in TapCash marketing got quite profitable results because of the greater strength and opportunity factors although the strengths and opportunities generated were not too large compared to the weaknesses and threats, but this was enough to help increase the use of TapCash cards because with an increase in the number of advertisements could increase also the number of transactions and TapCash users.

Pengaruh Kemudahan dan Ketersediaan Fitur terhadap Penggunaan Mobile Banking

This study aims to analyze the effect of convenience and feature availability on the use of mobile banking at PT Bank Negara Indonesia (Persero) Tbk. This study uses a questionnaire as an instrument to take a sample of 100 respondents who are users of BNI Mobile Banking. The sampling method used is probability sampling. The analytical method used in this research is multiple linear regression analysis. The independent variables in this study, namely the convenience and availability of features, are able to explain the dependent variable, namely the use of mobile banking by 67%, the remaining 33% is determined or explained by other variables not included in this analysis or study. The results of this study indicate that the ease and availability of features have a significant effect on the use of mobile banking because it has a significance value <0.05 (0.001 for convenience and 0.001 for feature availability). And simultaneously the ease and availability of features have a significant effect on the use of mobile banking with a significance value of 0.000 <0.05.

Measuring Banking Profitability Based on Quality Earning Assets and Net Performing Loan

This study aims to determine whether Earning Asset Quality affects Profitability, whether Non-Performing Credit affects Profitability, and to determine whether Earning Asset Quality and Non-Performing Credit have a simultaneous effect on Profitability. Collecting data using secondary data obtained from the financial statements using the cross-sectional technique. The population in this study is the financial statements PT Bank Negara Indonesia Tbk. Branch Makassar Period 2011 – 2019 taken while the sample amounted to 36 pieces. The results of such financial statements have been tested with the classical assumption in the form of normality assumptions, assumptions, and assumptions multicollinearity autokorellasy. Methods of data analysis using multiple linear regression analysis". "The first results showed that The Quality Of Productive Assets significant positive effect on The Profitability. Both Problem Loan does not affect a positive and significant impact on Profitability. Third, The Quality Of Productive Assets and Problem Loan influence simultaneously the value of The Profitability:

PERBANDINGAN HARGA SAHAM PT BANK NEGARA INDONESIA (PERSERO) TBK SEBELUM DAN SESUDAH PANDEMI COVID-19 DI INDONESIA

Stock price is a very important factor for see company value, a high stock price in the company can be said that the company is in good condition, on the other hand, if the stock price of a company is falling, it can be said the company is not good which makes the value of the company go down and can cause investors not to buy the campany’s stock. The purpose of this study was to compare the stock price of PT Bank Negara Indonesia (Persero) Tbk before and after the Covid-19 pandemic in Indonesian for a period of 12 months before and 12 months after the Covid-19 pandemic was confirmed in Indonesian, namely on March 2, 2020. The research method used is descriptive method with qualitative research and uses comparative method. The results of the study using the paired sample t-test showed that the average stock price before the Covid-19 pandemic was IDR 8,114.58 and after the Covid-19 pandemic was IDR 5,088.33, this means that there is a difference in the stock price of PT Bank Negara Indonesia, a significat periode of 12 months before and 12 months afrer the Covid-19 pandemic in Indonesian. The conclusion obtained is that there is a negative impact of the Covid-19 pandemic on the stock price of PT Bank Negara Indonesia (Persero) Tbk

ANALISIS PENERAPAN AGEN46 SEBAGAI PENYEDIA LAYANAN KEUANGAN TANPA KANTOR (BRANCHLESS BANKING) DAN UPAYA PENDORONG FINANCIAL INCLUSION

ABSTRACT
 The development of the financial sector, especially the banking sector, can increase banking access to the public. The problem that occurred before the implementation of Agen46 was that it was difficult for people to get financial services, especially in rural communities. There are still many people who do not know, use, and get financial services, which is a complex problem. The number of Agen46 in Banjarnegara Regency is 160, while the population in Banjarnegara is 923,192 people. The comparison between the number of Agen46 and the number of residents has not met the needs of the community. Branchless banking /smart behavior, encourages banking institutions to develop financial service innovations to encourage financial inclusion. PT Bank Negara Indonesia (Persero), Tbk develops financial service innovations through Agen46. The purpose of this study was to determine the role of Agen46 in its application as a financial service without offices to meet the financial needs of the community.
 This research is a type of research using a qualitative approach. The data used in this study are primary data by conducting interviews and observations at Agen46 in the Banjarnegara Regency in accordance with the research criteria. The sampling technique used in this study was purposive sampling technique, where the sampling technique took into account certain parties who were considered to meet the criteria, knew, and understood Agen46.
 The results of this study indicate the role of Agen46 as a provider ofbranchless banking services for financial inclusion. The existence of agen46 is very beneficial for the people of Banjarnegara to meet their financial service needs

Daily stock prices prediction using variance gamma model

The Black-Scholes-Merton model is often used for modeling company assets, which requires normally distributed data. The company's asset price fluctuates greatly, causing the form of data distribution to allow for heavy tails, asymmetry and excess kurtosis. Therefore we need a model that can capture this phenomenon. The model is the Variance Gamma model, abbreviated as VG. The assumption of normality in the Black-Sholes-Merton theory is unable to capture the heavy tail and the asymmetry that exists in the log returns asset. This form of density usually that is too high compared to normal density is known as excess kurtosis. The additional parameters in the VG process can overcome heavy tail, asymmetry and excess kurtosis. These parameters can control the kurtosis, asymmetry, and adjust the slope of the log asset density. The VG process can be obtained from two approaches. First, the VG process as a change in Brownian motion to Gamma time, abbreviated as VG1. Second, the VG process is obtained by the difference of the two Gamma processes, abbreviated as VG2. In this study we applied the VG model to predict the daily stock price of PT Bank Negara Indonesia (Persero) Tbk. The results obtained show that the VG model provides accurate daily stock price prediction results.

Pengaruh Loan To Deposit Ratio, Capital Adequacy Ratio, Dan Non Performing Loan Terhadap Profitabilitas Perbankan Yang Terdaftar Di Bursa Efek Indonesia (BEI)

This study aims to determine how the influence of Loan to Deposit Ratio, Capital Adequacy Ratio and Non Performing Loans on Banking Profitability Listed on the Indonesia Stock Exchange (IDX) that occurs at PT Bank Central Asia Tbk, PT Bank Rakyat Indonesia (Persero) Tbk, PT Bank Mandiri (Persero) Tbk, PT Bank CIMB Niaga Tbk, PT Bank Negara Indonesia (Persero) Tbk, PT Bank Tabungan Negara (Persero) in 2014-2018.
 The data used in this study are quantitative data with secondary data sources derived from the financial statements of each bank. This research uses descriptive statistical analysis methods, inference analysis, classic assumption test, multiple linear analysis and coefficient of determination. Regression analysis is used to find out how the influence of independent variables on the dependent variable with a significance value of 5 percent. While the determination coefficient analysis is used to determine the relationship between the independent variable and the dependent variable.
 From the partial hypothesis test (T Test) that has been done by the author, it is obtained that the Loan to Deposit Ratio affects Return On Assets, Capital Adequacy Ratio has no effect on Return On Assets and Non Performing Loans has no effect on Return On Assets. For simultaneous hypothesis testing (Test F), the results obtained are that the independent variables namely Loan to Deposit Ratio, Capital Adequacy Ratio and Non Performing Loans simultaneously influence the Return on Assets.
 
 Key words : Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Non Performing 
 Loan (NPL), Return On Asset (ROA).

Pengaruh Motivasi, Promosi Jabatan Dan Kompensasi Terhadap Kinerja Karyawan PT. Bank Negara Indonesia.Tbk KC Jambi

This study aims to analyze the influence of motivation, job promotion and employee performance compensation at PT Bank Negara Indonesia (Persero) Tbk. This study uses a questionnaire as an instrument to take a sample of 50 respondents. The sampling method used was nonprobability sampling. The analytical method used in this research is multiple linear regression analysis. The independent variables in this study, namely motivation, promotion and compensation, explain the dependent variable, namely the employee's performance of 99.6% and the remaining 04% or determined by other variables not included in this analysis or research. The results of this study indicate that motivation, promotion and position have a significant effect on employee performance because they have a significance value <0.05.
 Abstract is basically an English version of abstrak. All components in abstract are written in the same style as in abstrak. The word “Abstract” and the paragraph is written in Italics.