Effectiveness of Managerial Ability and Financial Literacy on the Internal Management System and its Implications on Credit Quality at BNI Semarang Regional Office from 2021 To 2024
Abstrak
This study examines the application of Managerial Ability, Financial Literacy, Internal Control Systems, and Credit Quality to determine the effectiveness of Managerial Ability and Financial Literacy on the Internal Control System and its implications for Credit Quality at the BNI Semarang Regional Office from 2021 to 2024. This study uses a quantitative approach by questionnaires using Google Form links, collecting data through archives, interviews (Questionnaire Link using Google Form), and observation. The research informants consisted of employees of Bank BNI Pati Branch and those involved in the finance department. The analysis was conducted using the SEM WarpPls application, which was processed into data that would answer various hypotheses in this study. The credit quality of Bank BNI Pati Branch is positively and significantly influenced by the management control system, financial literacy, and managerial capabilities, according to the findings of the study. Efforts to build a positive image on managerial capabilities, financial literacy, internal control systems that can improve the quality of credit, products and services at Bank BNI are by improving the company's managerial capabilities, the company's financial literacy, a good control system that will later affect the quality of credit that can increase profits and targets, especially for Bank BNI Pati Branch. With positive and significant results using the WarpPls application, it answers all expectations and hypotheses in this study.
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