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All Journal Jurnal Manajemen Perbankan Keuangan Nitro Jurnal Sains Manajemen  Nitro
Muhammad Rizal
Institut Bisnis Dan Keuangan Nitro
Economics, Econometrics & Finance Social Sciences

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PENGARUH STRES KERJA, KEPUASAN KERJA DAN KOMITMEN ORGANISASIONAL TERHADAP KINERJA KARYAWAN PADA PT. BANK TABUNGAN NEGARA (Persero) TBK KANTOR CABANG MAKASSAR Muhammad Rizal; Abdul Gafar Samalam; Revoldai; Abdul Rahim; Anugrah Luthfi
Jurnal Sains Manajemen Nitro Vol. 1 No. 2 (2022): Desember 2022
Publisher : Program Pasca Sarjana IBK Nitro

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (359.467 KB)

Abstract

Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh stres kerja, kepuasan kerja dan komitmen organisasional terhadap kinerja karyawan pada PT. Bank Tabungan Negara (Persero) Tbk Kantor Cabang Makassar. Penelitian ini menggunakan metode deskriptif kuantitatif. Populasi dalam penelitian ini berjumlah 94 orang karyawan PT. Bank Tabungan Negara (Persero) Tbk Kantor Cabang Makassar. Metode penentuan sampel menggunakan teknik purposive sampling dan menggunakan sampel sebanyak 71 orang karyawan PT. Bank Tabungan Negara (Persero) Tbk Kantor Cabang Makassar. Alat analisis dalam penelitian ini menggunakan analisis regresi linier berganda. Hasil penelitian ini menemukan bahwa secara parsial stres kerja berpengaruh negatif dan signifikan terhadap kinerja karyawan pada PT. Bank Tabungan Negara (Persero) Tbk Kantor Cabang Makassar, kepuasan kerja berpengaruh positif dan signifikan terhadap kinerja karyawan pada PT. Bank Tabungan Negara (Persero) Tbk Kantor Cabang Makassar dan komitmen organisasional berpengaruh positif dan signifikan terhadap kinerja karyawan pada PT. Bank Tabungan Negara (Persero) Tbk Kantor Cabang Makassar. Secara simultan stres kerja, kepuasan kerja dan komitmen organisasional secara simultan berpengaruh signifikan terhadap kinerja karyawan pada PT. Bank Tabungan Negara (Persero) Tbk Kantor Cabang Makassar
Financial Literacy, Digital Payments, and Saving Behavior of Gen Z Aminuddin Hamdat; Ramlah Ramlah; Izaac L D Lawalata; Muhammad Rizal; Andi Lutfi
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 2 No. 1 (2026): Special Volume for International Collaboration ASEAN Countries
Publisher : LP2M IBK Nitro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56858/jmpkn.v2i1.882

Abstract

This study examines the influence of digital financial literacy and digital payments usage on saving behavior among Generation Z. In the digital era, financial transactions have increasingly shifted toward cashless systems, raising concerns about how digital financial environments shape financial decision-making and saving habits among young individuals. Using a quantitative approach, data were collected from 186 Generation Z respondents who actively use digital payment services. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to test the direct and moderating relationships among variables. The results indicate that digital financial literacy has a positive and significant effect on saving behavior. Digital payments usage also shows a positive influence on saving behavior. Furthermore, digital financial literacy significantly strengthens the relationship between digital payments usage and saving behavior, suggesting that financially literate individuals are better able to utilize digital payment platforms to support financial discipline rather than impulsive spending. These findings highlight the importance of integrating digital financial literacy into financial education programs to ensure that increased access to digital financial services contributes to improved financial resilience among Generation Z. The study provides practical implications for policymakers, educators, and financial institutions in promoting sustainable financial behavior in the digital economy
Co-Authors Abdul Gafar Samalam Abdul Rahim Aminuddin Hamdat Andi Lutfi Anugrah Luthfi Izaac L D Lawalata Ramlah Ramlah Revoldai