ABSTRACT
Rural banks with local government ownership as majority shareholders aimed to increase public welfare and earn profits. state-owned banks (also state-owned enterprises (SOEs)) also have agency conflict, which may increase due to increased political content. Post-merger and acquisition (Post-M&A) due to the COVID-19 pandemic increases rural bank risk in lending. The research objective is to determine the impact of increased risk on rural bank lending. Data were collected from 32 annual reports of rural banks in Indonesia. Documentation was used to collect the data. Loan deposit ratio (LDR) is the dependent variable, the risk is the independent variable, and capital adequacy ratio (CAR), net profit margin (NPM), and return on equity (ROE) as the control variables. The technique of analyzing data is an analysis of covariance. The result show banks with below-average risk have a greater difference (0.0393) than above-average risk (0.0347). Another result indicates that LDR is not determined by the bank's health or the business risk of the debtor. Government demands through financing in local government, and it ignores risks and produces risk-taking behavior of managers. The government, as the majority shareholder, has a more effective monitoring role. Corporate social responsibility (CSR) oriented to society demand has been produced from rural banks owned by the government. © 2023 The Authors.
ABSTRACT
The Covid-19 pandemic has devastated every element, include the education sector, Indonesia's Institute of Shipping Polytechnic, which has made researchers interested in understanding the performance of employee at the Shipping Polytechnic of Barombong and Banten. The research was analyzed by quantitative methods and structural equation modeling, this study examines self-efficacy, organizational learning, leadership, and culture. There were 201 employees who took part in this study. The study results indicate that leadership has a significant effect in the way employees perform, it may cause an attention for leaders at Banten and Barombong Shipping Polytechnic. © 2022, Association Res Militaris. All rights reserved.
ABSTRACT
Information about COVID-19 is now very easily accessed on the Internet, even too much. The phenomenon of excessive information obtained can also be linked to psychological illnesses and obtain information retrieval. this article conducts research about information overload about the psychology of information seekers and their protection. The study used the TAM method with SEM tools with 380 respondents. The results of the study show that excessive online information about COVID-19 has a positive influence on the psyche and affects the relationship of information seekers not to continue the search results. © 2020 Published under licence by IOP Publishing Ltd.