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                  <text>Vol. 4 No. 1 (2023)</text>
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                <text>Determinants of Market Capitalization with Pofitability and Dividend Policy as Intervening Variables of State Owned Banks</text>
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                <text>Loan at Risk (LAR), Profitability, Dividend Policy and Market Capitalization</text>
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                <text>The purpose of this study is to analyze and empirically prove the influence of the company's external and internal factors ofmarket capitalization with profitability and dividend policy asintervening variables of State Owned Banks. The research period of2011-2020, with the sampling technique is saturated sampling, in which all members of the population are used as  samples.  The  analytical  tool  used  is  Structural  Equation  Modeling  (SEM)  supported  by AMOS software. The results of the study show that the market capitalization of State Owned Banks  is  influenced  by  profitability,  dividend  policy,  economic  growth,  BOPOand  Loan  at Risk (LAR). LAR besides having an effect on market capitalization, also has a direct effect on profitability and dividend policy.It is hoped that the results of this study can provide input for banks in maximizing the steps that must be taken to improve the company's performance and market capitalization.</text>
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                <text>I  Wayan  Budi  Artha1*,  Tri  Widyastuti2,  Irvandi  Gustari3,  Zulkifli4,  Bambang Purwoko5</text>
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                <text>https://dinastipub.org/DIJEFA/article/view/1770/1174</text>
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          <element elementId="45">
            <name>Publisher</name>
            <description>An entity responsible for making the resource available</description>
            <elementTextContainer>
              <elementText elementTextId="61793">
                <text>Pancasila University</text>
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            <name>Date</name>
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                <text>8 March 2023 </text>
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            <name>Contributor</name>
            <description>An entity responsible for making contributions to the resource</description>
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                <text>I Wayan Budi Artha</text>
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                <text>English</text>
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                  <text>Vol. 4 No. 1 (2023)</text>
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            <name>Title</name>
            <description>A name given to the resource</description>
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                <text>The Implementation of One-StopIntegrated Services in Attracting Investment to North Sumatera Province</text>
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          <element elementId="49">
            <name>Subject</name>
            <description>The topic of the resource</description>
            <elementTextContainer>
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                <text>Implementation, One-StopIntegrated   Service,   Investment,   North   Sumatera Province</text>
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                <text>This study aims to analyze the implementation of the One-StopIntegrated Service at  the One-StopIntegrated  Investment  and  Licensing  Service  (DPMPPTSP)  of  North Sumatera  Province  and  what  factors  hinder  increasing  investment.  This  research  method  is qualitative  with  the  type  of  data  in  the  research  using  primary  data  through  interviews  with informants,  then  secondary  data  is  obtained  by  conducting  an  analysis  of  literature  and literature  related  to  research.  The  analysis  technique  in  this  research  through  reducing  data, presenting  data  and  drawing  conclusions.  The  results  of  this  research  shows  that  in  order  to attract  investors  to  invest  in  North  Sumatera  Province,  the  DPMPPTSP  of  North  Sumatera Province  tries  to  create  positive  image  by  removing  negative  images  of  poor  licensing services. In addition to creating positive image the DPMPPTSP of North Sumatera Province tries  to  implementing  the  One-Stop  Integrated  Service  policy  which  is  not  yet  complete,  in the sense that there is still a gap in authority between agencies so that it has not fully met the expectations  and  satisfaction  of  users  of  licensing  services  and  besides  that,  a  complex bureaucracy  which  makes  it  difficult  for  investors  to  manage  business  the  permits.  This causing fluctuate on investment growth. In the context of licensing and non-licensing services the  Governor  of  North  Sumatera  delegated  authority  in  accordance  with  the  regulation  of North Sumatera Governor Number 39 of 2020, delegates its authority to the North Sumatera Province’s DPMPPTSP in particular to provide licensing services and supported community as users of licensing services</text>
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            <name>Creator</name>
            <description>An entity primarily responsible for making the resource</description>
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                <text>Anggi Kurniawan Lubis1*, Erika Revida2, Humaizi Humaizi3</text>
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          <element elementId="48">
            <name>Source</name>
            <description>A related resource from which the described resource is derived</description>
            <elementTextContainer>
              <elementText elementTextId="61781">
                <text>https://dinastipub.org/DIJEFA/article/view/1575/1173</text>
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            <name>Publisher</name>
            <description>An entity responsible for making the resource available</description>
            <elementTextContainer>
              <elementText elementTextId="61782">
                <text>Universitas Sumatera Utara</text>
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            <name>Date</name>
            <description>A point or period of time associated with an event in the lifecycle of the resource</description>
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              <elementText elementTextId="61783">
                <text>4 March 2023</text>
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          <element elementId="37">
            <name>Contributor</name>
            <description>An entity responsible for making contributions to the resource</description>
            <elementTextContainer>
              <elementText elementTextId="61784">
                <text>Anggi Kurniawan Lubis</text>
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            <description>The file format, physical medium, or dimensions of the resource</description>
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                <text>PDF</text>
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            <name>Language</name>
            <description>A language of the resource</description>
            <elementTextContainer>
              <elementText elementTextId="61786">
                <text>English</text>
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            <description>The nature or genre of the resource</description>
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              <description>A name given to the resource</description>
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                  <text>Vol. 4 No. 1 (2023)</text>
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          <element elementId="50">
            <name>Title</name>
            <description>A name given to the resource</description>
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                <text>Comfort Working with Superiors, Comfort Working with Peer Employees, and a Sense of Company Unity to Employee Work Motivation</text>
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          </element>
          <element elementId="49">
            <name>Subject</name>
            <description>The topic of the resource</description>
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                <text>Work   Comfort,   Sense   of   Company   Unity   Work   Motivation,   Company, Employees</text>
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            <description>An account of the resource</description>
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                <text>The  purpose  of  this  study  was  to  determine  the  Effect  of  Comfort  Working  with Superiors,  Comfort  Working  with  Peers  and  Sense  of  Company  Unity  on  Employee  Work Motivation  at  PT  Sanfremy  Pratama.  The  research  method  uses  Random  Sampling  with  a sample  size  of  67  employees.  The  results  obtained  are  partially  Comfort  Working  with Superiors has a positive and significant effect on Employee Work Motivation at PT Sanfremy Pratama.  Partially,  Comfort  Working  with  Peers  has  a  positive  and  significant  effect  on Employee Work Motivation at PT Sanfremy Pratama.Partially, Sense of Company Unity has a   positive   and   significant   effect   on   Employee   Work   Motivation   at   PT   Sanfremy Pratama.Simultaneously,  Comfort  Working  with  Superiors,  Comfort  Working  with  Peers, Sense   of   Company   Unity   have   a   positive   and   significant   effect   on   Employee   Work Motivation  at  PT  Sanfremy  Pratama.Based  on  the  results  of  the  adjusted  coefficient  of determination  test,  the  adjusted  R  square  value  is  0.727.  This  shows  that  72.7%  of  the variables  of  Comfort  Working  with  Superiors  (X1),  Comfort  Working  with  Peers  (X2),  and Sense  of  Company  Unity  (X3)  are  able  to  explain  the  variable  Employee  Work  Motivation (Y) at PT Sanfremy Pratama while the remaining 27.3% is the influence of other independent variablesthat  are  not  explained  by  the  research  model  such  as  work  stress  variables,  job appraisal and intrinsic motivation.</text>
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            <name>Creator</name>
            <description>An entity primarily responsible for making the resource</description>
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                <text>Elisabeth Simangunsong1*,Darna Sitanggang2</text>
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            <name>Source</name>
            <description>A related resource from which the described resource is derived</description>
            <elementTextContainer>
              <elementText elementTextId="61770">
                <text>https://dinastipub.org/DIJEFA/article/view/1689/1172</text>
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            <name>Publisher</name>
            <description>An entity responsible for making the resource available</description>
            <elementTextContainer>
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                <text>Santo Thomas Catholic University</text>
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            <name>Date</name>
            <description>A point or period of time associated with an event in the lifecycle of the resource</description>
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                <text>3 March 2023</text>
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            <name>Contributor</name>
            <description>An entity responsible for making contributions to the resource</description>
            <elementTextContainer>
              <elementText elementTextId="61773">
                <text>Elisabeth Simangunsong</text>
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            <name>Language</name>
            <description>A language of the resource</description>
            <elementTextContainer>
              <elementText elementTextId="61775">
                <text>English</text>
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            <description>The nature or genre of the resource</description>
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                  <text>Vol. 4 No. 1 (2023)</text>
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          <element elementId="50">
            <name>Title</name>
            <description>A name given to the resource</description>
            <elementTextContainer>
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                <text>Organizational Citizenship Behaviour (OCB) towardsOrganizational Performance in the Hospitality Industry</text>
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          </element>
          <element elementId="49">
            <name>Subject</name>
            <description>The topic of the resource</description>
            <elementTextContainer>
              <elementText elementTextId="61756">
                <text>Capability,  Cooperation, Workers, Motivation,Organizational  Performance, Work Effectiveness.</text>
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          <element elementId="41">
            <name>Description</name>
            <description>An account of the resource</description>
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                <text>The  purpose  of  this  study  is  to  determine  the pattern  of  determinants  of  tourism development  for  MSMEs  in  Indonesia  which  includes  creative  and  innovative  product variables,  creative  promotions  and  creative  thinking  patterns  so  that  they have  an  impact  on the  variables  of  MSME  development  and  MSME  productivity.  In  this  study,  it  is  related  to the development of MSME tourism, through the independent variables, namely creative and innovative products, creative promotions and creative thinking patterns, while the dependent variable is MSME development, and the moderating variable is MSME productivity.  In this study the independent variable is related to MSME tourism development, such as creative and innovative product variables, creative promotion and creative mindset, the dependent variable is MSME development, with moderating variable MSME productivity. Through the results of research  that  has  been  stated  that  in  order  to  increase  the  development  of  MSMEs  and  the productivity of MSMEs, MSMEs in the tourism industry are required to always increase the production of innovative and creative products, by developing a creative mindset, so that the business  being  pioneered  can  develop  and  be  productive  and  generate  profits  that  are profitable</text>
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            <name>Creator</name>
            <description>An entity primarily responsible for making the resource</description>
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              <elementText elementTextId="61758">
                <text>Rasmulia Sembiring1*, Sunday Ade Sitorus2</text>
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            <name>Source</name>
            <description>A related resource from which the described resource is derived</description>
            <elementTextContainer>
              <elementText elementTextId="61759">
                <text>https://dinastipub.org/DIJEFA/article/view/1687/1169</text>
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            <name>Publisher</name>
            <description>An entity responsible for making the resource available</description>
            <elementTextContainer>
              <elementText elementTextId="61760">
                <text>Universitas Methodist Indonesia</text>
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            <name>Date</name>
            <description>A point or period of time associated with an event in the lifecycle of the resource</description>
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                <text>3 March 2023</text>
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            <name>Contributor</name>
            <description>An entity responsible for making contributions to the resource</description>
            <elementTextContainer>
              <elementText elementTextId="61762">
                <text> Rasmulia Sembiring</text>
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            <name>Language</name>
            <description>A language of the resource</description>
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                <text>English</text>
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                  <text>Vol. 4 No. 1 (2023)</text>
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                <text>Car, LDR and Third PartyFunds on the Amount of Credit Disbursed by Rural Banks in North Sumatera, Indonesia</text>
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                <text>CAR, LDR, Third Party Funds, Total Loans Disbursed</text>
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                <text>The  amount  of  credit  disbursed  in  several  BPRs  in  12  regencies  /  cities  in  2017-2021 has decreased, where this decrease is due to the ability of several BPRs in 12 regencies / cities to increase  capital  adequacy (CAR)  and the ability of BPRs to increase the  amount of third party funds is not optimal and tends to decrease,  although the ability of some BPRs to increase the amount of credit income that has been channeled has actually increased, but the increase  in  LDR  is  not  able  to  increase  the  amount  of  credit  that  has  been  channeled  to  the community, so that the efforts of some BPRs in maximizing the use of funds for the process of  lending  to  the  community  are  not  running  properly.  The  type  of  research used  is quantitative descriptive research. The research methodology used is multiple linear regression analysis.  The  results  showed  that  partially  only  the  CAR  variable  and  the  third  party  funds variable had a positive and significant effect on the amount of credit channeled by 12 BPRs in 12 regencies / cities in North Sumatra Province in 2017-2021 and simultaneously the CAR, LDR  and  third  party  funds  variables  had  a  positive  and  significant  effect  on  the  amount  of credit  channeled  by  12  BPRs  in  12  regencies  /  cities  in  North  Sumatra  Province  in  2017-2021. Testing the adjusted coefficient of determination (Adjusted R Square) obtained a value of  0.851,  meaning  that  the  independent  variables,  namely  CAR,  LDR  and  third  party  fund variables,  have  an  effect  of  85.1%  on  the  dependent  variable,  namely  the  amount  of  credit disbursed by 12 BPRs in 12 regencies / cities in North Sumatra Province in 2017-2021.</text>
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                <text>Magdalena JudikaSiringoringo1*,Jadongan Sijabat2</text>
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                <text>https://dinastipub.org/DIJEFA/article/view/1686/1168</text>
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                <text>HKBP   Nommensen   University</text>
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                <text>1 March 2023</text>
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            <name>Contributor</name>
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                <text>Magdalena J. Siringoringo1</text>
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                <text>PDF</text>
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                <text>English</text>
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