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All Journal Jurnal Ilmu Pertanian Indonesia Buletin PSP Jurnal Teknologi Perikanan dan Kelautan Marine Fisheries: Jurnal Teknologi dan Manajemen Perikanan Laut Jurnal Manajemen dan Agribisnis Jurnal Ekonomi & Bisnis PNJ (JEKBIS PNJ) Indonesian Journal of Business and Entrepreneurship (IJBE) Jurnal Ketahanan Nasional Jurnal Pengelolaan Sumberdaya Alam dan Lingkungan (Journal of Natural Resources and Environmental Management) Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Binus Business Review Widya Cipta : Jurnal Sekretari dan Manajemen Jurnal REKOMEN (Riset Ekonomi Manajemen) Jurnal Ilmu Keluarga dan Konsumen Jurnal Penelitian Perikanan Indonesia Jurnal Kebijakan Perikanan Indonesia International Journal of Social Science and Business JIMFE (Jurnal Ilmiah Manajemen Fakultas Ekonomi) Jurnal Sosial Ekonomi Kelautan dan Perikanan Jurnal Kebijakan Sosial Ekonomi Kelautan dan Perikanan Jurnal Manajemen Bisnis dan Kewirausahaan Jurnal Ilmiah Akuntansi Kesatuan Belantika Pendidikan Business Review and Case Studies International Journal of Social Service and Research INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Indonesian Journal of Multidisciplinary Science Journal Research of Social Science, Economics, and Management Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Penelitian Pendidikan Indonesia Asian Journal of Social and Humanities
Nimmi Zulbainarni
Sekolah Bisnis, Institut Pertanian Bogor Jl. Raya Pajajaran, Babakan, Kecamatan Bogor Tengah, Kota Bogor, Jawa Barat 16128
Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Other

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A Comprehensive Analysis: Perception, Innovativeness, and Intention of Consumers As Determinant Factors of Mobile Banking Usage Behavior Kirana, Leo Candra; Simanjuntak, Megawati; Zulbainarni, Nimmi
Jurnal Aplikasi Bisnis dan Manajemen Vol. 10 No. 2 (2024): JABM, Vol. 10 No. 2, Mei 2024
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.10.2.520

Abstract

Background: The average increase in mobile banking users in Indonesia in the last five years has reached 135.3% per year. The wide diversity of users forms diverse user preferences and intentions, which is a crucial thing for banks to consider. Purpose: The objective of this study is to determine the determinant factors of mobile banking usage behavior using quantitative research and structural equation modeling.Design/methodology/approach: The population of this study is users who have not maximized the use of Bank XYZ mobile banking and used a random sampling technique using the Slovin technique to determine the research sample.Findings/Result: This research contributes to the understanding of consumer behavior concerning technology-based bank products, specifically mobile banking. Findings indicate that PU, PEoU, PR, PC, and personal innovativeness are crucial factors in maximizing mobile banking adoption. This study provides practical strategies for banks, particularly Bank XYZ, to develop policies that enhance these factors, ultimately encouraging mobile banking utilization by improving application design and service quality.Conclusion: This study found significant relationships between all the relationship variables tested which between PU, PEoU, PR and PC to behavioral intention to use mobile banking; and personal innovativeness and behavioral intention to use mobile banking to mobile banking usage behavior.Originality/value (State of the art): This research uses the Technology Acceptance Model (TAM) theory with the addition of PR and PC. Keywords: behavioral intention, digital transaction, mobile banking, perception of customer, usage behavior
Strategi Transformasi Digital Pengembangan Bisnis di PT Gemilang Indonesia Sukses Mulia Andi Irman Patiroi; Nimmi Zulbainarni; Irman Hermadi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 8 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i8.2298

Abstract

Digital transformation has become an urgent need for organizations that want to remain relevant and competitive in today's digital era. However, in the face of the wide choice of business development strategies available, decision making can become complicated. Therefore, this thesis proposes a systematic and structured approach using the Analytical Hierarchy Process (AHP) method to identify and evaluate the most appropriate business development strategies in the context of digital transformation. This research integrates qualitative and quantitative approaches by utilizing a comprehensive literature review and in-depth AHP analysis. Thus, this thesis not only understands the key factors influencing the success of digital transformation, but also offers a clear framework for measuring and prioritizing alternative strategies. Through the AHP application, various criteria and sub-criteria relevant to digital transformation are identified and ranked according to their importance. The results of this evaluation then provide more focused guidance in selecting business development strategies that can optimize the use of digital technology, minimize risks and achieve long-term business goals. Thus, this thesis not only makes a theoretical contribution to the understanding of digital transformation, but also makes a practical contribution by providing a methodology that can be applied by business leaders and decision makers in guiding business development strategies in this digital era.
ANALYSIS OF EMPLOYE TURNOVER FACTORS ON WORK EFFECTIVENESS THROUGH RISK CONTROL AT BPJS KETENAGAKERJAAN Mughny Ilman Wali Rusdi; Nimmi Zulbainarni; Asep Taryana
International Journal of Cultural and Social Science Vol. 6 No. 4 (2025): International Journal of Cultural and Social Science
Publisher : Pena Cendekia Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53806/ijcss.v6i4.1210

Abstract

This study aims to analyze the influence of employe turnover factors on work effectiveness thru risk management at BPJS Ketenagakerjaan. The factors studied include job satisfaction, compensation, workload, role ambiguity, and relationships with supervisors. This research uses a quantitative approach with the Structural Equation Modeling Partial Least Square (SEM-PLS) method and Bow Tie Analysis. The sample consisted of 251 active BPJS Ketenagakerjaan employes selected using purposive sampling technique. The data collection instrument uses a Likert scale-based questionnaire. Validity and reliability were tested thru outer loading, construct reliability, and AVE, as well as discriminant validity thru HTMT and the Fornell-Larcker Criterion. The results show that all five turnover factors significantly affect work effectiveness, both directly and thru risk management. The variables of job satisfaction (? = 0.379, p = 0.000) and relationship with superiors (? = 0.173, p = 0.016) have a significant positive influence. Conversely, workload (? = -0.149, p = 0.000) and role ambiguity (? = -0.117, p = 0.000) have a negative influence. Risk control was also proven to be a significant mediator. The R² value of 0.778 for work effectiveness indicates the model's strong predictive ability. This research integrates the SEM-PLS approach with Bow Tie Analysis in the context of public organizations, and provides an empirical contribution to turnover risk control strategies to improve work effectiveness.
Strategy For Decision-Making On Old Age Security (Jht) Benefit Claims At Bpjs Ketenagakerjaan Lya Utami, Mei; Zulbainarni, Nimmi; Taryana, Asep
Asian Journal of Social and Humanities Vol. 4 No. 2 (2025): Asian Journal of Social and Humanities
Publisher : Pelopor Publikasi Akademika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59888/h39arg55

Abstract

The phenomenon of high claims for Old Age Security (JHT) before retirement age poses a challenge to the sustainability of social security programs in Indonesia. This study aims to analyze the behavioral and policy factors that influence JHT claim decisions and formulate strategies for optimizing the claim mechanism. The research method was conducted through Structural Equation Modeling–Partial Least Squares (SEM-PLS) analysis of 232 respondents who were JHT participants who had made claims, as well as the Analytic Hierarchy Process (AHP) method involving 15 experts in the fields of social security, public policy, and financial behavior. The results show that the behavioral factors of loss aversion, present bias, and mental accounting have a significant effect on JHT claim decisions, supported by government regulations that reinforce the tendency for early claims. Meanwhile, the AHP results placed Effectiveness as the main criterion in determining strategy and produced optimal optimization strategy priorities in the form of increasing financial literacy and socializing mindset changes based on behavioral economics, followed by reformulating JHT disbursement policies and other supporting strategies. This study confirms that JHT claim behavior is influenced by psychological biases and prevailing policies, so optimization efforts need to be directed towards educational approaches, policy reforms, and sustainable service innovations.
Co-Authors . Jihad Abdullah, Asaduddin Abgusta Fajri Wiranata Achmad Fahrudin Aditya Hikmat Nugraha Adler Haymans Manurung Adriani Sunuddin Agung Jat Wibowo Arsa Aida Vitalaya Hubeis Alvi Rahmah Amandra, Miko Novri Andi Alamsyah Andi Irman Patiroi Andina Oktariani Anggraeni, Aniesya Sefia Arief Daryanto Arif Satria ASEP SAEFUDDIN Asep Taryana Asep Taryana Bayu Koen Anggoro Benny Osta Nababan Budi, Moch Wahyu Ksatria Budy Wiryawan Bustanul Arifin Deby Indah Mayriska Deni A. Soeboer Dirgantara, Ahmad Fauzan Ekananta, Arry Eko Sri Wiyono Epiet Dwi Anggoro Fadhila Hukmi Fredinan Yulianda Galang Prakasa Yusuf Putra Gena Bijaksana Gigih Budiarto Ginoga, Andina Nuraini Hairunisa Dzulhira Haj, Muhammad Hairul Hapsari, Umi Indah Harianto Harianto Harits Adli Tegar Nevada Hartoyo Hartoyo Hartoyo Hartoyo Hartoyo Hartoyo Hendilen Hendilen Hendro Sasongko Hermanto Siregar Hermanto Siregar Indra Jaya Indrawan, Dikky Insaniah Rahimah Irman Hermadi Iwan Dirwana Johan, Daniel Kamil, Fathan Kamilia, Ghina Khumaera, Nur Ifra Kirana, Leo Candra Krisna Fery Rahmantya Lubis, Muchdy Lukman M. Baga Lya Utami, Mei M. Joko Affandi M. Syamsul Maarif M. Syamsul Ma’arif Ma'arif, Mohammad Syamsul Ma'arif, Syamsul Megawati Simanjuntak Miko Novri Amandra Muchamad Bachtiar Mughny Ilman Wali Rusdi Muhammad Gunawan Sani Saputro Muhammad Hairul Haj Muhammad Siddik Elfian Mulianto, Heri Musa Hubeis Mustaruddin Nisa Ayunda novindra . Novsa Fakhira Novsa Fakhira Nunung Nuryartono Nur Hasanah Nurul Syahara Prafitriandini, Ika Prakasa Yusuf Putra, Galang Pratita Budi Utami Putri Claristha Violetta Rahmadi Sunoko Rahmadi Sunoko Ratna Mutia Aprilia Rina Uswatun Hasanah Rizal Syarief Rizal Syarief Ronny I. Wahju Rosdyani Rachmi Saiful Umam Saptaji, Moh Faqih Dwi Sari, Fadhila Cynthia Sasarari, Rosmina Rose Satriadi, Dharma Sembel, Roy H. M. Siti Jahroh Situmorang, Kaspar Sukarsih, Yayuk Sulaeman Martasuganda Syaiful Rachman Syamsul Bahri Agus, Syamsul Bahri Tanti Novianti Tarlan Subarno Tri Wahyu Budiarti Tri Wiji Nurani Trias Andati Trias Andati Tridoyo Kusumastanto TSNB Hutabarat TSNB Hutabarat Wayangkau, Edoardo Stevie Widyastutik Yulian Anita Yusgiantoro, Purnomo Yusuf Iskandar