Calvary Journal of Business and Economics

Analysis of Police Clearance Certificate Issuance Services at Banjarmasin City Police Resort

Idit — 2025-06-10

This study is titled "Police Clearance Certificate (PCC) Issuance Services at Banjarmasin City Police, South Banjarmasin Sector." The research aims to analyze service performance, identify service obstacles, and propose solutions to enhance PCC issuance at the South Kalimantan Regional Police. The study employs descriptive field research, aiming to provide a comprehensive picture of social settings and empirical legal approaches by directly observing legal practices. Findings show that efforts to provide accountable PCC services include clear information on requirements, equal service regardless of social status, timely issuance, transparent administrative fees, and cooperation with Banjarmasin courts. Challenges include elderly applicants struggling with form completion and lengthy processing times due to favoritism within the police system. Implementing online services and queue numbers is suggested to improve service efficiency.

A Study on Future Career Trends in the Banking Industry

Saloni Shah — 2025-06-10

The banking industry is experiencing significant changes influenced by globalization, regulatory developments, technological integration, and shifting consumer behaviors. This study explores future career trends within the sector, highlighting the evolution of job roles and the emergence of new skill requirements. As banks move towards greater digitization, roles in digital banking, customer relationship management, risk and compliance, financial advisory, and sustainable finance are gaining prominence. While technology plays a supporting role in streamlining operations and improving efficiency, human expertise remains central, particularly in areas that require judgment, ethical decision-making, and customer engagement. Careers in areas such as financial planning, credit analysis, and corporate banking continue to offer stability, while new opportunities are arising in fields like product innovation and regulatory compliance. Additionally, the rise of remote and hybrid work models is reshaping workplace expectations and professional development pathways. This study emphasizes the growing importance of soft skills, continuous learning, and cross-functional knowledge for individuals aiming to build sustainable careers in banking. By understanding these trends, students, professionals, and organizations can better prepare for the future and align their career strategies accordingly

The Influence of TQM, Budget Participation and Organizational Culture on Managerial Performance with Organizational Commitment as a Moderating Variable (Case Study on Vaname Shrimp Farming Company in Lebak Regency)

Agus Ismaya Hasanudin — 2025-06-10

The Influence of TQM, Budget Participation and Organizational Culture on Managerial Performance with Organizational Commitment as a Moderating Variable (Case Study on Vaname Shrimp Farming Companies in Lebak Regency). The objectives of this study are: 1). To find out how much influence Total Quality Management has on managerial performance in shrimp farming companies in Lebak Regency. 2). To find out how much influence Budget Participation has on managerial performance in shrimp farming companies in Lebak Regency; 3). To find out how much influence Organizational Culture has on managerial performance in shrimp farming companies in Lebak Regency; 4). To find out how much influence Total Quality Management has on managerial performance with organizational commitment as a moderating variable in shrimp farming companies in Lebak Regency. 5). To find out how much influence Budget Participation has on managerial performance with organizational commitment as a moderating variable in shrimp farming companies in Lebak Regency. 6). To find out how much influence Organizational Culture has on managerial performance with organizational commitment as a moderating variable in shrimp farming companies in Lebak Regency. This type of research is included in quantitative research, and the research design in this research is a causal research design with 45 respondents

The Situation of Farmer’s Vegetable Production in Lors Thmey Program of iDE Organization in Takeo province, Cambodia

Ma Sokheng — 2025-06-10

Climate change poses a serious threat to Cambodian agriculture, impacting crop yields, cultivation feasibility, irrigation, and pest/disease control. iDE, a long-standing development NGO, has implemented various programs to address these challenges, including one focused on climate-resilient vegetable cultivation. This study conducted in Takeo Province assessed the progress of 145 contract farmers participating in iDE's Lors Thmey Program. Results indicate that farmers, motivated by peer success, have adopted modern agricultural practices, including multiple planting, deep plowing, and lime application. Cucumber is a popular crop, though diseases and pests remain significant obstacles. Farmers primarily rely on technical assistance for waste management and utilize soluble fertilizers with drip irrigation. Seaweed cultivation has emerged as a particularly profitable venture, contributing to increased household income and reduced migration. However, rising agricultural debt, limited land, capital constraints, and adverse weather conditions pose challenges. Despite these obstacles, farmers, with continued technical support, express a strong desire to expand their cultivation and tap into both domestic and international markets

Tax Relaxation and Its Implications for Motor Vehicle Tax Revenue in South Kalimantan

Melinda Wijaya — 2025-06-10

This study aims to evaluate the effectiveness of tax relaxation policies in increasing revenue from the Motor Vehicle Tax in South Kalimantan Province. A descriptive quantitative approach was employed, utilizing secondary data obtained from UPPD. The analysis reveals that the implementation of tax relaxation has had a positive impact on the realization of PKB and BBNKB. However, the achievement of revenue targets remains suboptimal due to several structural challenges, including overly ambitious target setting and limited outreach and public communication regarding the policy. These findings indicate that the effectiveness of regional fiscal policies is determined not only by the content of the policy itself but also by the quality of its implementation and the supporting public communication strategies.