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Kualitas Pelayanan, Fasilitas, dan Kualitas Hasil Klaim terhadap Loyalitas Nasabah dengan Kepuasan Nasabah sebagai Variabel Mediasi Perdana, Huda; Putri, Vidiyanna Rizal; Simatupang, Batara Maju; Komara, Edi
Journal of Comprehensive Science Vol. 5 No. 3 (2026): Journal of Comprehensive Science
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/jcs.v5i3.4116

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kualitas pelayanan, fasilitas, dan kualitas hasil klaim terhadap loyalitas nasabah dengan kepuasan nasabah sebagai variabel mediasi pada PT Asuransi Sinar Mas Cabang Tegal. Penelitian menggunakan pendekatan kuantitatif melalui metode survei dengan penyebaran kuesioner kepada nasabah yang telah mengalami proses pelayanan dan klaim. Data dianalisis menggunakan Structural Equation Modeling (SEM) berbasis Partial Least Squares (PLS) untuk menguji hubungan kausal langsung maupun tidak langsung antarvariabel sesuai dengan hipotesis penelitian. Hasil penelitian menunjukkan bahwa kualitas pelayanan, fasilitas, dan kualitas hasil klaim berpengaruh positif dan signifikan terhadap kepuasan nasabah, sehingga hipotesis penelitian dapat diterima. Temuan ini menegaskan bahwa mutu hasil klaim yang dirasakan nasabah merupakan determinan penting dalam membentuk kepuasan. Selanjutnya, kepuasan nasabah terbukti berpengaruh positif dan signifikan terhadap loyalitas nasabah. Selain itu, kepuasan nasabah berperan sebagai variabel mediasi dalam hubungan antara kualitas pelayanan, fasilitas, dan kualitas hasil klaim terhadap loyalitas nasabah. Implikasi praktis penelitian ini menekankan bahwa peningkatan kualitas hasil klaim perlu menjadi prioritas strategis perusahaan asuransi karena terbukti secara empiris meningkatkan kepuasan dan loyalitas nasabah. Secara teoretis, penelitian ini berkontribusi pada pengembangan literatur pemasaran jasa dengan memperkuat peran kepuasan sebagai mekanisme mediasi dalam konteks asuransi umum pada level cabang.
Pengaruh Transformasi Digital, Kompetensi Digital, Reskilling Dan Budaya Digital Terhadap Kinerja Karyawan (Studi Pada Bank Tabungan Negara Cabang Jayapura) Karubaba, Simson Hendrick; Simatupang, Batara Maju; Budhijana, R. Bambang; Pracoyo, Antyo
KALBISOCIO Jurnal Bisnis dan Komunikasi Vol. 13 No. 1 (2026): KALBISOCIO Jurnal Bisnis dan Komunikasi
Publisher : Research and Community Service UNIVERSITAS KALBIS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53008/r3cnn753

Abstract

Abstract: This study aims to analyze the variables that influence employee performance at PT Bank Tabungan Negara (Persero) Tbk, Jayapura branch. The endogenous variables used in this study are employee performance, while the endogenous variables are Digital Transformation, Digital Competence, Reskilling, and Digital Culture. This study used a sample of 82 respondents who were permanent employees at the company. The analytical method used in this study was quantitative data analysis. The data processing technique used in this study was Structural Equation Modeling using the SmartPLS 4.0 application. The results of this study indicate that the variables Digital Transformation, Digital Competence, and Digital Culture have a positive effect on employee performance, while the results for the Reskilling variable have no effect on employee performance.  Keywords: Digital Transformation, Digital Competence, Reskilling, Digital Culture and Employee Performance.   Abstrak : Penelitian Penelitian ini bertujuan untuk menganalisis variabel-variabel yang mempunyai pengaruh terhadap kinerja karyawan pada PT Bank Tabungan Negara (Persero) Tbk cabang Jayapura. Variabel endogen yang digunakan dalam penelitian ini adalah kinerja karyawan dan variabel endogen menggunakan Transformasi Digital, Kompetensi Digital, Reskilling dan Budaya Digital. Penelitian ini menggunakan jumlah sampel sebanyak 82 responden yang merupakan karyawan tetap pada perusahaan. Metode analisis yang digunakan didalam penelitian ini adalah menggunakan metode analisis data kuantitatif. Teknik pengolahan data yang digunakan pada penelitian ini adalah dengan metode Struktur Equation Modelling menggunakan aplikasi SmartPLS 4.0. Hasil dari penelitian ini menunjukkan bahwa variabel Transformasi Digital, Kompetensi Digital dan Budaya Digital berpengaruh secara positif terhadap kinerja karyawan, sedangkan hasil pada variabel Reskilling tidak berpengaruh terhadap kinerja karyawan. 
Understanding the Drivers of Turnover Intention: A Study of Workload, Work Environment, Job Satisfaction, and Job Insecurity at PT Bank Papua Imbenai, Yunike Oktovina; Simatupang, Batara Maju; Budhijana, R. Bambang; Pracoyo, Antyo
Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Vol. 12 No. 1 (2026): Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and
Publisher : STIE Indonesia Banking School

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The high employee turnover intention poses a serious challenge in retaining quality human resources at PT Bank Pembangunan Daerah Papua. This phenomenon is triggered by several factors, including excessive workload, unsupportive work environment, low job satisfaction, and perceptions of job insecurity among employees. This study aims to analyze the influence of workload, work environment, job satisfaction, and job insecurity on employee turnover intention. The method used in this study is quantitative with a descriptive-verificative approach. The population in this study consists of all permanent employees of PT Bank Pembangunan Daerah Papua, and the sample is determined through purposive sampling with 100 respondents. Data collection is conducted through questionnaires, and data analysis uses Partial Least Square Structural Equation Modeling (PLS SEM). The results show that workload and job insecurity have a significant positive effect on turnover intention, while work environment and job satisfaction have a significant negative effect. This means that the heavier the workload and the higher the job insecurity, the greater the employee's desire to leave. Conversely, a conducive work environment and high job satisfaction can reduce turnover intention. This research emphasizes the importance of management in fairly managing workload, enhancing job security, fostering a positive work atmosphere, and prioritizing employee welfare as part of retention strategies.
The Effect of Digital Leadership Style, Compensation, and Employee Engagement on Employee Loyalty Through the Performance of Generation Z Employees at Sinar Mas Insurance Lingga, Herlita Sanawati; Karambut, Fermico; Simatupang, Batara Maju; Putri, Vidiyanna Rizal
Journal Research of Social Science, Economics, and Management Vol. 5 No. 9 (2026): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v5i9.1414

Abstract

This research aims to examine and analyze the direct influence of digital leadership style, compensation, and employee engagement on employee performance, as well as their influence on employee loyalty through performance as a mediating variable among Generation Z employees at PT Asuransi Sinar Mas. The research variables consist of Digital Leadership Style, Compensation, and Employee Engagement as independent variables, Employee Loyalty as the dependent variable, and Employee Performance as the mediating variable. The research method used is a quantitative descriptive approach with an explanatory design. Primary data were collected through questionnaires from 200 Generation Z employee respondents selected using a convenience sampling technique. The research stages include validity testing, reliability testing, classical assumption testing (multicollinearity, heteroscedasticity, and normality), and data analysis using path analysis with the SPSS program. The results of the study indicate that digital leadership style, compensation, and employee engagement simultaneously and partially have a positive and significant effect on employee performance. In addition, employee performance is empirically proven to play a significant role in linking the three independent variables to employee loyalty. Employee engagement was found to be the most dominant driver of loyalty. As managerial advice, companies should continue strengthening their digital leadership ecosystem and investing in psychological well-being programs to enhance employee retention. Furthermore, management is advised to implement an open recruitment system to remain competitive and transparent, mitigate the risk of young talent turnover, and optimize productivity to foster long-term loyalty.
Integrating ISSM, TAM, and Task-Technology Fit to Explain Trust Formation In Mobile Banking: Evidence from Islamic Banking Suharto, M. A.; Simatupang, Batara Maju; Budhijana, R. Bambang; Pracoyo, Antyo
Jurnal Multidisiplin Indonesia Vol. 5 No. 4 (2026): (2026): Jurnal Multidisiplin Indonesia
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/jmi.v5i4.2676

Abstract

This study investigates the determinants of customer trust in mobile banking within the context of Islamic banking by integrating three major theoretical frameworks: the Information Systems Success Model (ISSM), the Technology Acceptance Model (TAM), and the Task-Technology Fit (TTF). A quantitative approach was employed using survey data collected from 348 respondents, and the data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings reveal that system quality, information quality, service quality, task characteristics, structural assurance, perceived usefulness, and perceived ease of use all have significant effects on trust. Among these factors, task characteristics emerge as the most dominant determinant, highlighting the critical role of aligning system functionalities with users' transactional needs. This study contributes to the literature by proposing an integrative framework that explains trust formation as a multidimensional construct shaped by the interaction of technological performance, user perception, and functional alignment. The findings extend prior research by demonstrating that trust is more strongly influenced by task-technology fit than by purely technical or institutional factors. Practically, the results suggest that banking institutions should prioritize user-centered design, real-time information accuracy, and responsive digital services to enhance trust in mobile banking. This study provides both theoretical advancement and actionable insights for improving digital banking strategies in Islamic financial institutions.
When Digital Transformation Fails: Evidence from Rural Banking and the Rise of Compliance-Driven Digitalization Siringoringo, Monang; Simatupang, Batara Maju; Budhijana, Bambang; Pracoyo, Antyo
KALBISOCIO Jurnal Bisnis dan Komunikasi Vol. 13 No. 1 (2026): KALBISOCIO Jurnal Bisnis dan Komunikasi
Publisher : Research and Community Service UNIVERSITAS KALBIS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53008/e18bhw08

Abstract

Digital transformation is widely regarded as a key driver of competitiveness and governance in the banking sector. However, empirical evidence from smaller financial institutions remains inconsistent. This study investigates why digital transformation fails to improve governance and competitiveness in rural banking institutions (BPR/BPRS). Drawing on the Resource-Based View (RBV), Dynamic Capability Theory, and Institutional Theory, digital transformation is conceptualized as a multidimensional construct comprising core banking systems, integrated channeling systems, and reporting systems (Bharadwaj et al., 2013; Verhoef et al., 2021). Using Partial Least Squares Structural Equation Modeling (PLS-SEM), the findings reveal that digital transformation does not significantly influence governance or competitiveness. Furthermore, human capital does not moderate these relationships. These findings challenge the dominant assumption that digitalization inherently enhances organizational performance (Vial, 2019). Instead, this study introduces the concept of compliance-driven digitalization, where technology adoption is driven by regulatory pressure rather than strategic intent. This study contributes by providing a failure-based explanation of digital transformation in emerging financial systems.