MARPAUNG, S.; SIREGAR, O. M. EFFECT OF WORK ATTITUDE, EMPLOYEE COMPETENCY AND WORK ENVIRONMENT ON EMPLOYEE PERFORMANCE: (Study on Employees of PT Bank Tabungan Negara Medan Branch Office Consumer Collection Recovery and Asset Sales Unit Division). JOURNAL OF MANAGEMENT, ACCOUNTING, GENERAL FINANCE AND INTERNATIONAL ECONOMIC ISSUES, [S. l.], v. 3, n. 1, p. 118–130, 2023. DOI: 10.55047/marginal.v3i1.876. Disponível em: https://ojs.transpublika.com/index.php/MARGINAL/article/view/876. Acesso em: 22 mar. 2026.