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ANALISIS PREFERENSI NASABAH USAHA MIKRO KECIL MENENGAH (UMKM) PENJUAL TANAMAN TERHADAP PENGGUNAAN APLIKASI BRIMO PT BANK RAKYAT INDONESIA (PERSERO) TBK sibuea, yohana; Ramly, Amir Tengku; Hidayah, Zainur
Agricore: Jurnal Agribisnis dan Sosial Ekonomi Pertanian Unpad Vol 10, No 2 (2025): Agribisnis dan Sosial Ekonomi Pertanian
Publisher : Departemen Sosial Ekonomi Faperta Unpad dan Perhepi Komisariat Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24198/agricore.v10i2.69477

Abstract

Perkembangan layanan perbankan digital mendorong UMKM untuk beradaptasi dengan sistem transaksi non-tunai yang lebih efisien dan aman. Penelitian ini bertujuan untuk menganalisis preferensi nasabah Usaha Mikro, Kecil, dan Menengah (UMKM) penjual tanaman terhadap penggunaan aplikasi BRImo PT Bank Rakyat Indonesia (Persero) Tbk. Penelitian dilaksanakan pada Agustus–Oktober 2025 di BRI Cabang Pasar Minggu, Jakarta Selatan, dengan jumlah responden sebanyak 30 pelaku UMKM penjual tanaman yang dipilih menggunakan teknik purposive sampling. Metode analisis yang digunakan adalah analisis konjoin untuk mengukur tingkat kepentingan relatif (importance value) dan nilai utilitas (part-worth utility) dari lima atribut utama, yaitu kemudahan penggunaan, kelengkapan fitur UMKM, keamanan transaksi, biaya transaksi, dan promosi digital. Hasil penelitian menunjukkan bahwa kemudahan penggunaan merupakan atribut paling dominan dengan tingkat kepentingan sebesar 28,6%, diikuti oleh kelengkapan fitur UMKM (24,1%) dan keamanan transaksi (21,3%). Nilai utilitas tertinggi terdapat pada level “sangat mudah digunakan”, “fitur lengkap”, dan “keamanan tinggi”. Sementara itu, biaya transaksi dan promosi digital memiliki pengaruh yang relatif lebih rendah. Temuan ini menunjukkan bahwa UMKM penjual tanaman bersikap rasional dan fungsional dalam mengadopsi BRImo dengan memprioritaskan efisiensi operasional dan dukungan langsung terhadap aktivitas usaha. Hasil penelitian ini diharapkan dapat menjadi dasar pengembangan layanan BRImo yang lebih sesuai dengan kebutuhan UMKM sektor pertanian.
AI–Tree HR Model: Tree HR Personality Assessment for Strengthening Garuda Transformation School Human Resources Amir Tengku Ramly; Zainuddin Iba; Santi Lisnawati; Reni Sinta Dewi
Jurnal Manajemen Vol. 17 No. 1 (2026): Jurnal Manajemen (Edisi Elektronik)
Publisher : UPT Jurnal & Publikasi Ilmiah SPs Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/jm-uika.v17i1.21862

Abstract

National education transformation demands the strengthening of human resources (HR) with character, adaptability, and technological literacy. This article develops and tests the AI-Tree HR Model, a digital-based personality assessment system that integrates the HR Tree Personality with artificial intelligence. This model is built on the philosophy of the HR Tree Model (Ramly, 2023), which describes human development through three main structures: roots (values ​​and spirituality), trunk (competence and mindset), and fruit/leaves (behavior and work results). This study uses a Research and Development (R&D) approach with the ADDIE framework and Agile Software Development principles. The research subjects consisted of 582 respondents (teachers, students, and principals) in a school environment who participated in the digital assessment based on the AI-Tree HR Personality System. Analysis was conducted using the Multi-Stage Weighted Index (MSWI) method on three main dimensions: ease of use, usability, and accuracy. The results show that the AI-Tree HR Personality system has high content validity and excellent reliability, with a total feasibility index of 92.7% (very feasible). AI integration improves the accuracy of assessment results, provides adaptive learning recommendations, and accelerates the process of mapping the character and potential of educators and students. Conceptually, this research expands the paradigm of local human resources, which are based on values ​​and spirituality, with the support of AI technology. Practically, the implementation of the AI-Tree HR Model will strengthen Garuda School's position as a model for national education transformation based on character, values, and technology towards the vision of Golden Indonesia 2045.
The Influence of Work Motivation, Work-Life Balance, Career Development, and Job Satisfaction on Employee Performance in The Ministry of MSMEs Gunawan; Sri Langgeng Ratnasari; Amir Tengku Ramly
Jurnal Ilmiah Sumber Daya Manusia Vol 9 No 2 (2026): JENIUS (Jurnal Ilmiah Sumber Daya Manusia)
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/JJSDM.v9i2.56736

Abstract

This study aims to analyze the influence of work motivation, work-life balance, career development, and job satisfaction on employee performance at the Ministry of Micro, Small and Medium Enterprises (MSMEs) in Indonesia. Using a quantitative approach and multiple linear regression analysis on primary data, the results show that work–life balance and job satisfaction have a positive and significant effect on employee performance. Simultaneously, all four variables significantly affect employee performance. The coefficient of determination indicates that 59.5% of employee performance is explained by the four variables. These findings suggest that in the public sector environment of the Ministry of MSMEs, organizational interventions should psychological well-being and work-life harmony over traditional motivational triggers or career-pathing to yield performance gains. This study contributes to public sector management literature by identifying factors in influencing performance amidst bureaucratic constraints.
Tree HR as a Multilevel Heuristic Framework for Human Resource Management and Development in Islamic Educational Institutions: A Systematic Scoping Review Tengku Ramly, Amir; Sinta Dewi, Reni; Lisnawati, Santi; Iba, Zainudin
Jurnal Pendidikan Islam Vol. 15 No. 1 (2026): Online First Articles
Publisher : Faculty of Tarbiyah and Education, Universitas Islam Negeri (UIN) Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jpi.2026.151.17-37

Abstract

Purpose – This study aims to map evidence on HRM and HRD in Islamic educational institutions and to formulate a multilevel conceptual framework based on Tree HR to read the conceptual interconnections among values, competencies, character, institutional context, and educational outcomes. Design/methods/approach – The research used a systematic scoping review based on PRISMA-ScR. The search was conducted in Scopus, Web of Science, ERIC, and secondary searching for the period from 2010 to 2025. From 151 records, 4 duplicates were removed, 147 records were screened, 56 were excluded, and 91 studies were analyzed through charting, thematic synthesis, methodological characterization, and mapping to the Tree HR components. Findings – The findings show an increase in publications from 2023 to 2025, with a peak in 2025 of 38 studies or 41.8%. The highest thematic concentration was in Trunk, namely competencies and HRD, which appeared in 62 studies, as well as Fruits/Leaves, namely performance, service quality, and educational outcomes, in 61 studies. Roots appeared in 44 studies, whereas Personality/Character appeared in 34 studies. The main gaps include weak multilevel testing, heterogeneity of indicators, the dominance of non-causal designs, and limited instrument validity across contexts. Research implications – This framework can be used as an initial tool for reflection and diagnosis of human resources in madrasahs, pesantren, integrated Islamic schools, and Islamic Religious Higher Education Institutions (PTKI), particularly for training planning, performance assessment, career development, and the formulation of human resource policy indicators for Islamic education.
Pengaruh Motivasi Kerja, Mutasi, dan Pelatihan terhadap Prestasi Kerja ASN: Peran Mediasi Kepuasan Kerja pada Pangkalan Sarana Operasi Bea dan Cukai Tipe B Sorong Muhammad Ashari Natsir; Amir Tengku Ramly; Zainur Hidayah
Al-Buhuts Vol. 21 No. 2 (2025): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v21i2.7090

Abstract

This study examines the effects of work motivation, job transfer, and training on the job performance of Indonesian civil servants (ASN) at the Customs and Excise Operational Facilities Base, Type B Sorong, with job satisfaction as a mediating variable. A quantitative explanatory design was applied using a census approach involving all active ASN employees (n = 77). Data were collected through a structured questionnaire and analyzed using PLS-SEM with SmartPLS.  The results show that work motivation, job transfer, and training have positive and significant effects on job satisfaction, while job satisfaction positively and significantly affects job performance. Moreover, all three predictors also have direct positive and significant effects on job performance, with training identified as the strongest predictor. Indirect-effect testing confirms that job satisfaction significantly mediates the relationships between motivation, job transfer, and training and job performance, indicating complementary partial mediation. Practically, the findings underscore the importance of competency-based job transfers, relevant training that supports transfer to operational duties, and strategies to enhance motivation to strengthen both job satisfaction and performance.
Determination of UT student loyalty at SALUT: the role of service quality, technology skills, and student satisfaction Rudi Syahrifudin; Ginta Ginting; Amir Tengku Ramly
Insight Management Journal Vol. 6 No. 1 (2026): May
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/imj.v6i1.503

Abstract

Distance education requires a support service system capable of addressing limitations in interaction, student heterogeneity, and dependence on technology. Although service quality and staff technological competence have been extensively studied in higher education, research specifically integrating these two aspects into a model of student satisfaction and loyalty in distance education service centers remains limited. This study aims to analyze the influence of service quality and employees’ technological skills on student satisfaction and loyalty at the Open University Service Center (SALUT) of PT Dwi Guna Cipta Nusantara, positioning satisfaction as an intervening variable. This study applies a quantitative approach using a survey method involving 270 respondents who utilize SALUT services. Data were collected using a close-ended questionnaire with a five-point Likert scale and analyzed using Structural Equation Modeling Partial Least Squares (SEM-PLS). The results indicate that both service quality and employees’ technological skills have a positive, significant effect on customer satisfaction. Customer satisfaction significantly affects student loyalty and fully mediates the influence of service quality and employees’ technological skills on loyalty. However, employees' technological skills show no direct effect on loyalty. This study concludes that customer satisfaction is a key mechanism in building student loyalty; therefore, strengthening service quality and technological competence is an important strategy in managing distance education. For future research, it is recommended to employ a longitudinal design or mixed method approaches, expand the scope across institutions, and incorporate variables like trust, perceived value, student engagement, and institutional image to build a more comprehensive model.
Pengaruh keseimbangan kerja terhadap kinerja karyawan dengan gender dan kelelahan kerja sebagai variabel moderasi Faturahman Kamal; Ginta Ginting; Amir Tengku Ramly
Insight Management Journal Vol. 6 No. 1 (2026): May
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/imj.v6i1.516

Abstract

Keseimbangan kerja karyawan Universitas Terbuka akan memberikan dampak terhadap performa karyawan di dalam bekerja. Perbedaan gender tentunya akan terlihat pada penerimaan sikap dan perilaku di dalam menerima pekerjaan yang dapat mempengaruhi Tingkat kelelahan kerja. Tujuan penelitian ini adalah untuk mengetahui pengaruh keseimbangan kehidupan kerja terhadap kinerja karyawan dengan  variabel gender dan kelelahan kerja sebagai variabel moderasi. Penelitian ini dilakukan pada karyawan Universitas Terbuka cabang Bogor, Jakarta dan Serang dengan jumlah populasi sebanyak 154 orang. Sampel yang digunakan adalah total sampel sebanyak 154 orang. Variabel independent pada penelitian ini adalah keseimbangan kerja, sedangkan variabel dependen adalah kinerja karyawan dan sebagai variabel moderasi adalah gender dan kelelahan kerja. Pengukuran variabel dilakukan dengan menggunakan skala likert. Analisis dilakukan dengan model regresi dan dengan menggunakan aplikasi SmartPLS. Dari hasil penelitian ditemukan bahwa variabel keseimbangan kerja berpengaruh terhadap kinerja karyawan, gender berpengaruh terhadap kinerja karyawan, kelelahan kerja berpengaruh terhadap kinerja karyawan. Variabel gender dan kelelahan kerja memoderasi pengaruh antara keseimbangan kerja terhadap kinerja karyawan. Penelitian ini merekomendasikan perlu adanya penguatan kebijakan yang fleksibel dan adanya keseimbangan penugasan luar kota serta keseteraan peluang karir bagi karyawan.
The Effect Of Job Stress And Workload On Employee Performance: The Moderating Role Of Work Environment Among Generation Z Outsourced Sales Generalis In PT Bank Mandiri (Persero) Tbk Area Bengkulu Ameratul Fedhla; Amir Tengku Ramly; Eka Pariyanti
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 7 No. 5 (2026): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v7i5.11114

Abstract

This study was motivated by the declining performance of Generation Z outsourced sales generalist employees PT Perdana Prima Bhakti Mandiri under the coordination of PT Bank Mandiri (Persero) Tbk Bengkulu Area, which is assumed to be influenced by job stress, workload, and work environment conditions. This research aims to analyze the effect of job stress and workload on employee performance with work environment as a moderating variable. The study employed a quantitative approach using a survey method involving 60 respondents selected through purposive sampling. Data were collected through structured questionnaires and analyzed using Partial Least Squares-Structural Equation Modeling (PLS-SEM) with SmartPLS software. The findings indicate that job stress significantly affects employee performance with a path coefficient of 0.479 and a p-value of 0.000, while workload significantly affects employee performance with a coefficient of 0.469 and a p-value of 0.000. The work environment significantly moderates the relationship between job stress and employee performance with a coefficient of 0.156 and a p-value of 0.041, and moderates the relationship between workload and employee performance with a coefficient of 0.197 and a p-value of 0.004. The study concludes that a supportive work environment strengthens employees’ adaptability in managing work pressure and workload.
Co-Authors A. Rahmat Rosyadi Abdul Aziz Ade Hasim Agung Sri Hendarsa Agus Triyanto Ahmad Juwaini Aisah, Elis Nur Ameratul Fedhla Andi Irawan Andriyansah . Anggraeni, Frida Nur Anggraini Sukmawati Anisa Husnul Khotimah Ardiasih, Lidwina Sri Arif Rahman Saleh Arif Rahman Saleh Arina Nur Farida Aris Munandar Asep Sunandar Avif Hanif Fadlun Azkiya Banata Budi Handrianto Cicih Sukarsih Dadang Misbahudin Dalilah Dalilah Darwis Sunandar Darwis Sunandar Daryl Januar Isya Daud Bachtiar Dedi Supriyadi Desi Permata Sari Dhewani, Prima Niendya Sukma Dudung Abdul Syukur Eka Pariyanti Erny Indrayanti Ety Yuliaty Faturahman Kamal Firdaus, Rhendy Akhmad Firdayanti B Hakim Firdayanti, Firdayanti Ginta Ginting Gumelar Adi Wijaya Gunawan Hasanuddin Hasanuddin Hidayah, Zainur Hubeis, Aida Vitayala Sjafri I Nyoman Nugraha Ardana Putra Iba, Zainudin Ibdalsyah Ibdalsyah Ilham Ilham Imas Kania Rahman Indupurnahayu Intani, Yunita Dwi Cahya Isbaya Isbaya Jana, Niftahul Kirbandoko, Kirbandoko Kurniawati, Nanin Diah Kusuma Siregar, Dina M. Aziz Firdaus M. Syamsul Maarif Made Yudhi Setiani Maryani Yani Masrukhan, Luthfiyah Masyhudzulhak Djamil Mawar Hidayanti Sunarto Misbahudin, Dadang Mohammad Ridwan Muhammad Ashari Natsir Musa Hubeis Nandang Sutisna Niar Yuniarsih Nurhayati, Immas Nurmala Katrina Pandjaitan Priadi, Getama Puji Astuti Puteri Eka Yunita Putra, Awang Darmawan Qurroh Ayuniyyah Rahayu, Yuyun Sri Rahim, Anwar Rahmat Ramli, Ridiarsih Rasiban Rasiban Renea Shinta Aminda Reni Sinta Dewi Rizal, Saepul Rudi Syahrifudin Saepul Rizal SANTI LISNAWATI Sarah Rifat Alhawari Sayyidah Sayyidah Septianti, Ajeng Shoffan Nizomi Suparman sibuea, yohana Simorangkir, Sendi Romadhon Sofianti, Evin Sri Langgeng Ratnasari Sriyani Suherbi, Didong Sunandar, Jauhari Suparno Suparno Surati Surati Syahruddin Syahruddin Syaiful Syaiful Syaiful Syarif, Usman Taryani, Heni Taufik Hidayat Ulumiyah, Churriyah Warcito Waskita, Kukuh Galih Wida’atullah, Muhammad Rofif Yuli Rohmalia Yuli Rohmalia Yuliati, Ety Yuniarsih, Niar Yusuf Munajat Zainuddin Iba