PT Bank Tabungan Negara Research Articles

Does Loan to Deposit Ratio Affect Return on Asset? Evidence from State-owned Banks

The purpose of this study was to determine the effect of Loan to Deposit Ratio (LDR) on Return on Assets (ROA). To support the research, a causal associative method with a quantitative approach was used. The study was conducted on state-owned banks listed on the Indonesia Stock Exchange for the period 2014-2021. The samples used in this study were 4 state-owned banks consisting of PT Bank Negara Indonesia (Persero) Tbk, PT Bank Rakyat Indonesia (Persero) Tbk, PT Bank Tabungan Negara (Persero) Tbk, and PT Bank Mandiri (Persero) Tbk. The data analysis technique uses simple linear regression, correlation coefficient, coefficient of determination, and hypothesis testing. The results showed that LDR did not affect ROA. So, the high profits obtained by state-owned banks come from income other than loan interest income. This research is expected to improve the financial performance of state-owned banks by still paying attention to the percentage of LDR to obtain maximum profit

TRANSFER OF RIGHTS TO COLLECT (CESSIE) AND LEGAL CONSEQUENCES ON DEBITOR COLLATERAL ITEMS IN RESOLVING NON-PERFORMING CREDIT (Case study on Pekanbaru District Court Decision No. 129/Pdt.G/2016/PN.Pbr)

Banks can deal with negative credit by purchasing, selling, and transferring the rights to receivables (cessie). According to the District Court's ruling in case No. 129/Pdt.G/2016/ PN.Pbr, the lawsuit was filed by a cessionary who had acquired receivables from the troubled PT Bank Tabungan Negara (Persero) Tbk. The Receivables Sale Purchase Agreement and Transfer of Cessie are the two (two) Notarial Deeds that include the terms of the transfer of receivables. According to the ruling, the Pekanbaru District Court approved the transfer of Land Ownership Certificates that had been pledged as security for the debtor (cessionaris). The problem is stated as follows: 1. Can the sale and purchase of receivables and the transfer of claim rights (cessie) give buyers of cessie legal certainty? 2. What are the legal ramifications of the debtor's assurance in light of Pekanbaru District Court Decision Number 129/Pdt.G/2016/PN.Pbr? and the purpose of this study is to comprehend the problem's genesis and offer solutions. The research method used in this study is known as normative legal research (doctrinaire), and it entails research on legal principles, legal aspects, and law as it is conceptualized as norms or rules that apply in society. It also includes an analysis of both written and unwritten legal rules that exist and develop in society, and it makes use of secondary data derived from primary, secondary, and tertiary legal materials. It is clear from this study that the sale and purchase of receivables and the transfer of cessie do not terminate the credit agreement between the cedent and cessus; rather, it is a transfer and delivery of receivables from the cedent to the cessionaris, and the transfer of cessus collateral must be based on a ruling made through litigation at the local District Court. And in this case, the transfer of Cessie and the sale and purchase of receivables are legal and do not violate the terms of the agreement. The judges' panel also believes that since the Cessus guarantee is not secured by a mortgage, the Cessus collateral object may be used to repay the debt by reclaiming the cessionaris name. Neither of these situations violates the rights to the bedding described in Article 1154 of the Civil Code.

TRANSFER OF RIGHTS TO COLLECT (CESSIE) AND LEGAL CONSEQUENCES ON DEBITOR COLLATERAL ITEMS IN RESOLVING NON-PERFORMING CREDIT (Case study on Pekanbaru District Court Decision No. 129/Pdt.G/2016/PN.Pbr)

Banks can deal with negative credit by purchasing, selling, and transferring the rights to receivables (cessie). According to the District Court's ruling in case No. 129/Pdt.G/2016/ PN.Pbr, the lawsuit was filed by a cessionary who had acquired receivables from the troubled PT Bank Tabungan Negara (Persero) Tbk. The Receivables Sale Purchase Agreement and Transfer of Cessie are the two (two) Notarial Deeds that include the terms of the transfer of receivables. According to the ruling, the Pekanbaru District Court approved the transfer of Land Ownership Certificates that had been pledged as security for the debtor (cessionaris). The problem is stated as follows: 1. Can the sale and purchase of receivables and the transfer of claim rights (cessie) give buyers of cessie legal certainty? 2. What are the legal ramifications of the debtor's assurance in light of Pekanbaru District Court Decision Number 129/Pdt.G/2016/PN.Pbr? and the purpose of this study is to comprehend the problem's genesis and offer solutions. The research method used in this study is known as normative legal research (doctrinaire), and it entails research on legal principles, legal aspects, and law as it is conceptualized as norms or rules that apply in society. It also includes an analysis of both written and unwritten legal rules that exist and develop in society, and it makes use of secondary data derived from primary, secondary, and tertiary legal materials. It is clear from this study that the sale and purchase of receivables and the transfer of cessie do not terminate the credit agreement between the cedent and cessus; rather, it is a transfer and delivery of receivables from the cedent to the cessionaris, and the transfer of cessus collateral must be based on a ruling made through litigation at the local District Court. And in this case, the transfer of Cessie and the sale and purchase of receivables are legal and do not violate the terms of the agreement. The judges' panel also believes that since the Cessus guarantee is not secured by a mortgage, the Cessus collateral object may be used to repay the debt by reclaiming the cessionaris name. Neither of these situations violates the rights to the bedding described in Article 1154 of the Civil Code.

ANALISIS PROSES PENGAMBILAN KEPUTUSAN PEMBERIAN KREDIT PEMILIKAN RUMAH MENGGUNAKAN MODEL HERBERT A. SIMON DALAM MENERAPKAN METODE ANALYTICAL HIERARCHY PROCESS

House ownership credit is a government program provided by banks for the people. In the process, there are requirements that must be fulfilled by prospective clients before they get the loan. The requirements are used by the banks as the early assessment so that they can avoid non-performing loan. In making their decisions, whether to approve a loan or not, banks apply the Five Cs as the cautiousness principle in assessing their prospective clients. The objective of this research is to identify decision-making processes that is analyzed using he Herbert A. Simon model and Analytical Hierarchy Process. The Simon model consists of phases; they are intelligence, design, choice, and implementation. Meanwhile, the decision-making process applied by PT Bank Tabungan Negara branch of Madiun did not include the choice phase, which increase the probability of non-performing loan. The Analytical Hierarchy Process is applied to help in credit decision-making using the highest weight, and the applicable criteria is the Five Cs. This method provides assessment on paired comparisons with questionnaires given to the decision makers. This study finds that criterion with the highest weight is character (0.495739012), followed by capital (0.248389672), capacity (0.14426402), collateral (0.066977249), and condition (0.044630047). Therefore, the bank should consider character more in their decision.

ANALISIS TINGKAT KESEHATAN BANK MENGGUNAKAN METODE RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNINGS, DAN CAPITAL PADA PT BANK TABUNGAN NEGARA (PERSERO) TBK

This study aims to analyze the soundness level of a bank using the risk profile method, good corporate governance, earnings and capital at PT Bank Tabungan Negara (Persero) Tbk. This research uses a quantitative descriptive approach. The type of data used in this study is secondary data, namely in the form of financial reports from PT Bank Tabungan Negara (Persero) Tbk. for five years from 2017 to 2021, 30 company data were obtained. The analysis technique used in this study is to use the risk profile method, good corporate governance, profitability, and capital (RGEC). The results of the analysis show that PT Bank Tabungan Negara (Persero) Tbk. during the 2017-2021 period, it received a fairly healthy predicate (Composite Rating 3).

Kepuasan sebagai mediasi pengaruh brand image, service quality dan experiential marketing terhadap loyalitas nasabah

This study analyzed the effect of brand image, service quality, and experiential marketing on customer loyalty at PT Bank Tabungan Negara Syariah Solo, with satisfaction as an intervening variable. This type of research is quantitative by applying a purposive sampling technique to the number of samples, 100 respondents. Furthermore, data collection was carried out by distributing Likert-scale questionnaires. The analytical method uses path analysis. The study's results prove that brand image has a positive but insignificant effect on customer satisfaction. In contrast, service quality and experiential marketing positively and significantly affect customer satisfaction. Each variable, namely brand image, service quality, experiential marketing, and customer satisfaction, positively and significantly influences loyalty. However, the variable of customer satisfaction was unable to facilitate the influence of brand image, service quality, and experiential marketing on customer loyalty.

Legal protection for consumers whose certificates are collateralized by the developer

This study analyzes the Consumer Protection law in adequately protecting home buyers at Violet Garden, Bekasi. These consumers are faced with losing their house certificates because they have guaranteed them to a non-pawnbroker bank (Maybank). Finally, the Central Jakarta Commercial Court ruled that the developer was bankrupt because he was unable to pay his debts. The curator invites the buyer to participate in paying off the developer's debt, which amounts to approximately fifty percent of the purchase price. This investigation uses a normative juridical approach, namely a truth-seeking procedure based on the logic of legal studies from a normative point of view. The results of this study are that banks must protect consumer rights and not cause problems that result in material losses experienced by consumers. Consumers can file lawsuits because the parties responsible for this case are PT Bank Rakyat Indonesia Tbk, PT Bank Tabungan Negara Tbk, and PT Nusuno Karya, and the element of tort has been fulfilled. However, currently, there are no regulations that strictly regulate how a house can be sold by a developer so that the state can protect consumers.How to cite item: Mulia, JR., Wahyudi, E., (2022). Legal protection for consumers whose certificates are collateralized by the developer. Jurnal Cakrawala Hukum, 13(3)281-290. doi:10.26905/idjch.v13i3.8389.

Comparative Analysis of Bank Performance during COVID 19 in Indonesia: Case PT Bank Tabungan Negara (Persero) Tbk

This study aimed to analize whether any difference in the performance of Bank BTN during covid 19 pandemic in Indonesia between 2020 and 2021. The methodology used for data analysis is a non-parametric difference test, while for data that is not normally distributed, the Wilcoxon test is used. The results of the study showed that there was no difference in the performance of Bank BTN during the covid 19 pandemic in Indonesia between 2020 and 2021.

THE EFFECT OF PROFITABILITY RATIOS ON SHARE PRICES OF PERSERO COMMERCIAL BANKS IN INDONESIA FOR PERIOD 2017-2021

This study aims to measure the effect of the variables Return On Asset (ROA), Return On Equity (ROE), Net Profit Margin (NPM) on the Stock Price of Persero Commercial Banks in Indonesia in 2017-2021. The number of samples consists of 4 banks obtained using the total sampling technique. The data used is secondary data obtained from the Quarterly Financial Statements published on the official website of PT Bank Negara Indonesia (Persero) Tbk, PT Bank Mandiri (Persero) Tbk, PT Bank Rakyat Indonesia (Persero) Tbk, and PT Bank Tabungan Negara (Persero) Tbk during of the period 2017-2021. The data analysis model used is multiple linear regression analysis using SPSS 25.00 software. In contrast, hypothesis testing uses data analysis techniques, namely the coefficient of determination (Adjusted R2), F test and t-test. Based on the results of the coefficient of determination test (Adjusted R2), it shows that Return On Assets (ROA), Return On Equity (ROE), and Net Profit Margin (NPM) contribute an influence of 0.36 or 36% to the stock price. In comparison, 0.64 or 64% is explained by other variables outside the research model. F-test results show that Return On Assets (ROA), Return On Equity (ROE), and Net Profit Margin (NPM) simultaneously have a significant effect on stock prices. Based on the results of the t-test shows that the variables Return On Assets (ROA), Return On Equity (ROE), Net Profit Margin (NPM) partially have a significant effect on the Share Price at Persero Commercial Banks in Indonesia for the period 2017-2021.

Role of The Notary in The Transition of Receivables (CESSIE) on Non-Load Loans in PT Bank Tabungan Negara

The settlement of bad debts through the transfer of receivables (CESSIE) is regulated in Article 613 of the Civil Code. However, in practice, there are problems regarding the mechanism for implementing the transfer of receivables (CESSIE) in the case of the Pekanbaru District Court decision Number 129/Pdt.G/2016/PN.PBR is then on appeal with the decision of the Pekanbaru High Court Number 59/Pdt.G/2017/PT.PBR. This study aims to analyze the mechanism for the transfer of receivables (CESSIE), which is considered valid by applicable legal provisions, and to examine and analyze the role of the Notary in the transfer of receivables (CESSIE). This study uses a normative juridical method, with the research specifications used prescriptively. The writing uses secondary data consisting of primary, secondary, and tertiary legal materials. Methods Data collection using literature study with the method presented in the form of descriptive narrative text. Analysis The data were analyzed in a qualitative normative manner. The research results obtained are 4 (four) stages of the mechanism that are considered valid in settling bad loans through the transfer of receivables (cessie) by PT. Bank Tabungan Negara. First, the credit was declared bad by the Bank, in this case, PT. Bank. Tabungan Negara Second, by implementing the restructuring of credit belonging to debtors who are unable to carry out their performance as they should. Third, PT. Bank Tabungan Negara is required to subpoena 3 (three) times to the Debtor due to default by the Debtor. Fourth, through the transfer of receivables (CESSIE), which is bound by Mortgage Rights and contained in authentic deeds, PT. Bank Tabungan Negara can sell the object of collateral owned without the assistance of the Court. The four stages refer to the provisions of Article 1243 of the Civil Code, Law Number 10 of 1998, concerning Banking and its implementing regulations, namely Bank Indonesia Regulation Number 14/15/PBI/2012 concerning asset quality assessment of commercial banks which is now the Financial Services Authority Regulation Number 40 / POJK.03/2019, and the Mortgage Law. If this fourth stage is not carried out, the mechanism for the transfer of receivables (CESSIE), which the Mortgage Rights do not bind, is still valid but is not related to the transfer of the object of collateral. The Notary's role in transferring receivables (CESSIE) in the case of Decision Number 129/Pdt.G/2016/PN. PBR is not following the provisions of the Law on Notary Positions. What is violated is that the Notary does not provide legal counseling as referred to in Article 15 paragraph (2) letter (e) of the Notary Position Act. The Notary is authorized to provide legal counseling regarding the deed. In the case of a transfer of sale and purchase of receivables (CESSIE), the role of the notary shifts as the Pejabat Pembuat Akta Tanah (PPAT) to transfer the mortgage guarantee from the old creditor (Cedent) to the new creditor (Cessionaris), the Deed of Transfer of Mortgage Rights (APHT) is then registered to the Office of the National Land Agency (BPN), thereby switching Mortgage Rights from the old creditor (Cedent) to the new creditor (Cessionaris). Without the transfer of Mortgage registration, the new creditor (cessionary) only becomes a congruent creditor, not a separatist creditor, and does not have preferential rights in paying off debtors' debts.Keywords: Role of Notary, Bad Credit, Cessie

Pengaruh LDR, BOPO, NPL dan Mobile Banking terhadap Profitabilitas

This study aims to analyze the effect of the Loan to Deposit Ratio (LDR), Operating Costs of Operating Income (BOPO), Non Performing Loans (NPL), and Mobile Banking (MB) on Profitability (ROA) at PT Bank Tabungan Negara (Persero) Tbk from 2011 to 2020. The multiple Linear Regression Analysis Model is used to determine the magnitude of the relationship between the independent variable and the dependent variable while testing the hypothesis by using a t-test (partial) and f-test (simultaneous). Based on the results of the study from 2011 to 2020, it was concluded that the t-test (partial) showed that LDR had an insignificant positive effect on profitability. BOPO has a negative and significant effect on profitability. NPL and MB show that the two independent variables have no significant negative effect on profitability. With the f test (simultaneous) the significance of the effect of the independent variables, LDR, BOPO, NPL, and MB on the dependent variable Profitability can be concluded simultaneously has a significant positive effect on Profitability. The coefficient of determination adj R2 is 97.1%, this indicates that there is a very strong correlation where the independent variables LDR, BOPO, NPL, and MB greatly affect profitability, while 2.9% of other variables are outside the model of this study.

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

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.

ANALYSIS OF THE EFFECT OF WORK MOTIVATION, WORK ENVIRONMENT, AND WORK STRESS ON EMPLOYEE PERFORMANCE AT PT BANK TABUNGAN NEGARA (BTN) SHARIA SEMARANG BRANCH OFFICE

This study aims to analyze the significance of the effect of work motivation, work environment, and work stress on employee performance at PT Bank Tabungan Negara (BTN) Sharia Semarang Branch Office either simultaneously or partially. The population in this study were all employees at PT Bank Tabungan Negara (BTN) Sharia Semarang Branch Office. The sampling technique used was purposive sampling, as many as 55 employees. The data used in this study is primary data obtained through the distribution of questionnaires. The data analysis model uses multiple linear regression analysis model. While the data analysis technique used the F statistical test, the coefficient of determination (R2 ), and the t statistic test which was processed using the SPSS 26 program. The results of the analysis and discussion show that work motivation, work environment, and work stress simultaneously have a significant effect on employee performance at PT Bank Tabungan Negara (BTN) Sharia Semarang Branch Office. Partially, work motivation has a positive and significant effect. Meanwhile, work environment and work stress have a positive and insignificant effect on employee performance at PT Bank Tabungan Negara (BTN) Sharia Semarang Branch Office.

THE EFFECT OF JOB SATISFACTION AND WORKLOAD ON EMPLOYEES PERFORMANCE OF PT BANK TABUNGAN NEGARA (BTN) SYARIAH PEKANBARU

This study was conducted to determine the effect of job satisfaction and workload on the performance of employees of PT. State Savings Bank Syariah Branch Office Pekanbaru. The method used in this study is a descriptive method with a quantitative approach. The object of this research is all employees of PT Bank Tabungan Negara (BTN) Syariah Pekanbaru. The research location was conducted at PT Bank Tabungan Negara (BTN) Syariah Pekanbaru. The population in this study were employees of PT Bank Tabungan Negara Syariah Pekanbaru. The sample taken in this study were 47 respondents. The sampling technique in this study is the census method technique with data analysis using the SPSS version 20 program using validity test, reliability test, multiple linear regression, partial test (t test), simultaneous test (F test), coefficient of determination (R2) . Multiple regression analysis was used to test the hypothesis of this study. The results of the study stated that the variables of workload and job satisfaction had a significant effect simultaneously on employee performance. And it can be concluded that the most dominant workload variable affects employee performance. The value of the coefficient of determination (R 2) is 0.876. This means that the variables of job satisfaction and workload simultaneously affect employee performance variables by 87.6%.

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.

ANALISIS PENGARUH STRATEGI EXPERIENTIAL MARKETING TERHADAP LOYALITAS NASABAH TABUNGAN PADA PT BANK TABUNGAN NEGARA (PERSERO) TBK KANTOR CABANG SEMARANG

<p><em>This research’s goal is to analyze the variable of experiental marketing’s impact which include sense, feel, think, act, and relate regarding its relationship with saving customers’ loyalty of PT Bank Tabungan Negara (Persero) Tbk Semarang Branch Office, which was done partially and simultaneously. Quantitative cause applied research was done using primary and secondary data, in which the former done using questionnaires with nonprobability sampling techniques applied with 100 respondents collected. The number of respondents were counted based on the calculation of lemeshow formula. While for the analytical methods, validity, reliability, and classic assumption tests were applied. For analysing the model, linear regression analysis was applied using t-test, F-test, and coefficient determination to test the hypotheses. As a result, sense, feel, and act variables have significant effect on savings customers’ loyalty partially. On the other hand, relate and think variables have insignificant effect on savings customers’ loyalty partially. All in all, the F-test shows that the variables have significant effect on savings customer’s loyalty.</em><strong><em></em></strong></p>

Analysis of the Impact of Leadership Determination on Employee Performance at PT BTN (Persero), Tbk Medan Sharia Branch Office

Not achieving the Key Performance Index (KPI) target within 5 consecutive years can be used as an indicator of the lack of maximum management in the company in facing competition. In-depth considerations are needed to answer the problems that occur related to this performance decline. Referring to several studies conducted related to motivation and performance, it is known that many variables can affect performance. The purpose of this study was to determine and analyze the influence of transformational, democratic and situational leadership styles on employee performance at PT Bank Tabungan Negara (Persero), Tbk Sharia Medan Branch Office. The population in this study were all employees who worked at PT Bank Tabungan Negara (Persero), Tbk Sharia Medan Branch Office. Many samples in this study were as many as 50 respondents. Data were collected using observations and questionnaires. The data is tested using validity and reliability tests, and the data must meet the elements of the classical assumption test. Furthermore, the data analysis test was carried out using multiple regression analysis; t test, F test, and the coefficient of determination.The results of this study indicate that there is a significant influence on the transformational, democratic and situational leadership style either partially or simultaneously. The amount of Transformational Leadership, Democratic Leadership and Situational Leadership explains that employee performance is 0.689 or equal to 68.90% while the remaining 31.10% is explained by other variables. Keywords: Transformational, Democratic, Situational, Performance Leadership.

KOMPARASI PENILAIAN TINGKAT KESEHATAN BANK DITINJAU DARI GOOD CORPORATE GOVERNANCE (GCG) PADA PT.BANK RAKYAT INDONESIA (Persero) Tbk DAN PT.BANK TABUNGAN NEGARA Tbk

The health of a bank is the ability of a bank to conduct operational activities or assessment of a bank's financial statement conditions in a certain period in accordance with Bank Indonesia standards, simply the health of the bank is a bank that can carry out its functions properly and can maintain public trust. The purpose of this study is to find out the comparison of bank health level assessments reviewed from The Bank's Good Corporate Governance (GCG) in BRI and BTN in 2016-2018. The method used is comparative descriptive i.e. research that compares the presence of one or more variables on two or different samples, or at different times. The results of the study that GCG at PT Bank Rakyat Indonesia (Persero) Tbk and PT Bank Tabungan Negara (Persero) Tbk both ranked 2nd and entered the healthy category with a weight of 1.50><2.50 Composites in three consecutive years. The conclusion of the study that PT. Bank Rakyat Indonesia (Persero) Tbk and PT. Bank Tabungan Negara (Persero) tbk in the period 2016-2018 as a whole is in good condition

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).