The aims of this study are to find out and to analys: (1)

<p>The employees’ existence as an organizational locomotive need to get attention for management because, it is employees who make the organization perform well. Spiritual intelligence and organizational citizenship behaviour (OCB) are known to have effect for improving employee performance. To see this effect, then research was conducted at Sharia Bank in Gorontalo Province with the aim of analyzing and describing the effect of: spiritual intelligence on OCB, spiritual intelligence on employee performance, OCB on employee performance, and spiritual intelligence on employee performance through OCB. The findings of this study are spiritual intelligence had positive and significant effect on OCB. OCB has positive and significant effect on employee performance. Spiritual intelligence has positive and insignificant effect on employee’s performance, but spiritual intelligence has positive and significant effect for employee performance through OCB.</p><p>Keberadaan karyawan sebagai lokomotif organisasi perlu mendapat perhatian oleh manajemen karena karyawan yang membuat organisasi berkinerja baik. Kecerdasan spiritual dan perilaku kewargaan organisasional (OCB) diketahui memiliki implikasi untuk meningkatkan kinerja karyawan. Untuk melihat implikasi ini, maka dilakukan penelitian pada Bank Syariah di Provinsi Gorontalo dengan tujuan menganalisis dan menggambarkan implikasi dari: kecerdasan spiritual terhadap OCB, kecerdasan spiritual terhadap kinerja karyawan, OCB terhadap kinerja karyawan, dan kecerdasan spiritual terhadap kinerja karyawan melalui OCB. Hasil penelitian menunjukkan bahwa kecerdasan spiritual memiliki implikasi positif dan signifikan terhadap OCB. OCB berimplikasi positif dan signifikan terhadap kinerja karyawan. Kecerdasan spiritual berimplikasi positif dan tidak signifikan terhadap kinerja karyawan, tetapi kecerdasan spiritual berimplikasi positif dan signifikan terhadap kinerja karyawan melalui OCB</p>

The phenomenon of retirement customers' decision to take over debts from conventional financial institutions to Islamic finance continues to increase, indicating a change in customer paradigm, predicted due to several factors including financing margin factors. This article explains the extent to which financing margins affect the decision of retired customers to take over from conventional banks to Islamic banking. This study uses a quantitative method with an analysis unit of 161 retired clients who have filled the questionnaire with multi-stage sampling. The results of the study show that murabaha financing margins have a positive and significant effect on the decision making of retired customers in the taking over of financing. This means that good financing margins have great potential to bring retired customers from conventional banks. Thus, this result has implications for marketers and policy makers that retired customers decide based on potential financing products.

This study aims to find out and analyze the direct and indercet effect: emotional intelligence with state civil apparatus performnce of through leadership and OCB, spiritual intelligence with state civil apparatus performance of through leadership and OCB. Population is the whole state civil apparatus in Gorontalo Province which amounts 3155. Samples should be taken as many as 350 people and the worthy of only analized 250 questionnaires. The sampling technique using are multistage sampling (purposive sampling and random sampling). The data were analyzed by using of structural equations models (SEM) and program analysis of moment structure (AMOS) version 23. The results showed that emotional intelligence and spiritual intelligence of significant effect on the leadership; emotional intelligence and leadership of significant effect on OCB; emotional intelligence and OCB of significant effect on employee performance; spiritual intelligence does not significant effect on OCB and employee performance; the leadership does not significant effect on employee performance; emotional intelligence and spiritual intelligence effect on OCB through leadership variable; emotional intelligence and spiritual intelligence effect on state civil apparatus performance of through leadership variable; and emotional intelligence and spiritual intelligence effect on state civil apparatus performanc of through OCB variable.