The Analysis of Machiavellian and Love of Money towards Ethical Perceptions of Credit Analyst at Bank Pembangunan Daerah (BPD) Bali

Fatwa, Idil Akbar (2024) The Analysis of Machiavellian and Love of Money towards Ethical Perceptions of Credit Analyst at Bank Pembangunan Daerah (BPD) Bali. Undergraduate thesis, Politeknik Negeri Bali.

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Abstract

The banking industry in Indonesia is one of the most vital economic sectors, with continuous growth every year. One of its products is loan, a service of providing funds to others based on a lending agreement. Currently, Bank Pembangunan Daerah (BPD) Bali is one of the leading banking institutions in Bali that disburses the highest amount of credit to the public. However, unethical credit behavior still occurs in Bali, causing losses due to individuals' love of money and machiavellian behavior, which decreases ethical perceptions. Through quantitative and qualitative approaches, this study focuses on credit analysts as a group vulnerable to fraudulent behavior, aiming to understand the roles of machiavellian and love of money on their ethical perceptions. This research found that machiavellian negatively affects credit analysts' ethical perceptions, while love of money positively affects their ethical perceptions. Therefore, an implementation strategy is needed to enhance the credit service quality by utilizing monthly email broadcasts to increase bank employees' awareness and knowledge regarding the use of the whistleblowing system, thereby putting pressure on credit analysts and other employees to maintain their ethics and refrain from engaging in fraudulent activities.

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