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All Journal Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences International Journal of Social Service and Research Winter Journal: IMWI Student Research Journal Journal Of Human And Education (JAHE) Jurnal Abdimas Perbanas Formosa Journal of Sustainable Research (FJSR) Jurnal Riset Perbankan, Manajemen dan Akuntansi International Journal of Integrative Sciences Jurnal Penelitian Pendidikan Indonesia Jurnal Cendekia Ilmiah Journal of Business, Finance, and Banking
Siti Safaria
Perbanas Institute
Religion Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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The Effect of Career Path and Worklife Balance on Intention to Resign with Gratitude as an Intervening Variable Widowati, Mariatin Sri; Safaria, Siti
Formosa Journal of Sustainable Research Vol. 3 No. 4 (2024): April, 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjsr.v3i4.8918

Abstract

Research Objectives are analyze the effect of career path on resignation intention, analyze the effect of career path on gratitude, analyze the effect of work balance on resignation intention; analyze whether work balance affects gratitude, analyze the effect of gratitude on resignation intention. analyze the effect of career path on resignation intention through gratitude. Analyzing the effect of work balance on resignation intention through gratitude. Research Method is quantitative approach using Likert Scale. Data collection carried out through survey techniques questionnaire with a random sampling sample as much as 114 respondents. The results showed that career path has a significant effect on resignation intention. Career path has a significant effect on intention to resign. gratitude has a significant effect on resignation intention, career path has a significant effect on gratitude, work balance has a significant effect on gratitude, career path mediated by gratitude has a significant effect on resignation intention. Work balance mediated by gratitude has a significant effect on resignation intention
Proposed Livin Digital Banking Product Development Strategy at PT. Bank Mandiri Tbk Susanto, Haris; Safaria, Siti
Formosa Journal of Sustainable Research Vol. 3 No. 5 (2024): May 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjsr.v3i5.9262

Abstract

The purpose of this research is to develop a digital product development strategy for Livin by Mandiri. Research Context: In this study, the aim is to examine the development strategy of digital banking through SWOT analysis to overcome competition related to the development of digital banks. Importance of Research: Understanding how technology affects the development of digital banks and preparing strategies for digital bank development. Livin By Mandiri can improve operational efficiency, reduce operational costs, and increase employee productivity. The use of artificial intelligence (AI) technology and data analytics also helps provide more personalized and relevant banking services to customers. In addition, digital technology also allows Livin By Mandiri to expand its market share by reaching a wider customer segment, including millennials who are more likely to use technology-based banking services One of the strategic steps taken is to integrate digital technology in all lines of their banking business. In this transformation process, Livin By Mandiri does not only focus on developing application- based banking services or digital platforms, but also strives to strengthen its IT system, so that it can support banking operations as a whole
STP Analysis (Segmenting, Targeting and Positioning) of Private Vocational Secondary Level Educational Institutions: A Study on Business and Technology High School in Bekasi Nursetiani, Andini; Safaria, Siti
Formosa Journal of Sustainable Research Vol. 3 No. 6 (2024): June 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjsr.v3i6.9431

Abstract

This study aims to analyze the segmentation, targeting, and positioning (STP) strategies applied by SMK Bisnis dan Teknologi Bekasi, a vocational high school. Through a case study approach, this research reveals how this private vocational institution employs the STP concept in their marketing and promotional efforts. Segmentation is carried out in various dimensions, including geographical and demographic segmentation. The results of the STP analysis demonstrate that the school identifies prospective student segments based on age, educational background, and career aspirations. The position taken by the school is that of an educational provider offering the capability to immediately enter the workforce upon graduation, with study programs aligned to industry needs. In terms of marketing, SMK Bisnis dan Teknologi Bekasi employs measures through social media and digital marketing to reach their targeted segments. Within this context, the study provides insights into how the STP concept can be applied in an educational context and how appropriate marketing strategies can aid educational institutions in achieving their goals
The Effect of Job Stress and Motivation on Employee Performance of Jabodetabek Domicile with Work Method Policy as an Intervening Variable Agustina, Kartika; Safaria, Siti
Formosa Journal of Sustainable Research Vol. 3 No. 6 (2024): June 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjsr.v3i6.9661

Abstract

This research purpose is to find relationship among work stress on work method policies, work motivation on work method policies, work stress to employee performance, work motivation to employee performance, work method policies to employee performance, work stress to employee performance through work method policies as intervening variables, work motivation to employee performance through work method policies as intervening variables. Respondents in this study were workers in the JABODETABEK area totaling 161 people. The results obtained are work stress has a significant effect to work method policy, motivation has a significant effect to work method policy, work stress has a significant effect to performance, motivation has a significant effect to performance, work method policy has a significant effect to performance, work stress has a significant effect on performance through work method policy as intervening variable, motivation has a significant effect to performance through work method policy as intervening variable
The Effect of Workload and Organizational Climate on Turnover Intentions with Job Stress as an Intervening Variable in Generation Z Employees of PT. MMI Ambon Regional Husni; Safaria, Siti
Formosa Journal of Sustainable Research Vol. 3 No. 10 (2024): October 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjsr.v3i10.11894

Abstract

The purpose of this research is examining effect of workload on work stress, examining effect of workload on turnover intention, examining effect of workload on turnover intention through work stress, examining effect of organizational climate on workload, examining effect of organizational climate on turnover intention, examining effect of organizational climate on turnover intention through work stress, and examining effect of work stress on turnover intention among Generation Z employees of PT. MMI (affiliated with PNM) in the Ambon region. This research employs a quantitative approach by distributing questionnaires to 213 employees, assisted by data processing using SmartPLS. The results indicate that workload positively influences work stress, workload positively influences turnover intention, workload positively affects turnover intention through work stress, organizational climate negatively impacts work stress, organizational climate don’t have significant effect to turnover intention, organizational climate negatively influences turnover intention through work stress, and work stress significantly influences turnover intention
The Influence of Human Resource Development on Performance Through Competence and Work Motivation to the Head of Mekaar Unit PT Permodalan Nasional Madani Sallamanda, Vickry Reza; Safaria, Siti
Formosa Journal of Sustainable Research Vol. 3 No. 10 (2024): October 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjsr.v3i10.12108

Abstract

The purpose of this research is to determine the effect of human resource development on motivation, the effect of human resource development on competence, the effect of human resource development on performance, the effect of motivation on performance, the effect of competence on performance, the effect of human resource development on performance  through motivation as intervening variable, the effect of human resource development on performance through competence as  intervening variable. This research uses a quantitative methodology with purposive sampling method through the distribution of questionnaires to 150 respondent, analyzed using SmartPLS. The results of this study indicate that human resource development has a positive effect on motivation, human resource development has a positive effect on  competence, human resource development has a positive effect on performance, motivation has a positive effect on performance, competence has a positive effect on performance, human resource development has a positive effect on performance through motivation as intervening variable, human resource development has a positive effect on the performance through competence as intervening variable
The Effect of Motivation and Organizational Commitment on Turnover Intention with Job Satisfaction as an Intervening Medium (Case Study on Employees of PT Permodalan Nasional Madani Jakarta Branch) Oktavianti, Ardiana; Safaria, Siti
Formosa Journal of Sustainable Research Vol. 3 No. 11 (2024): November 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjsr.v3i11.12441

Abstract

The aim of this research is to analyze the influence of Motivation on Turnover Intention, to analyze the influence of Organizational Commitment on Turnover Intention, to analyze the influence of Motivation on Job, to analyze the influence of Organizational Commitment on Job Satisfaction, to analyze the influence of Job Satisfaction on Turnover Intention, to analyze the influence of Motivation on Turnover, to analyze the influence of Organizational Commitment on Turnover Intention. Using quantitative, and descriptive research. The respondents are 246 employees of PT PNM. Questionnaires using a Likert scale with the assistance of SmartPLS. The results of this study indicate that motivation has a significant negative effect on turnover intention, organizational commitment has a significant negative effect on turnover intention, motivation has a significant positive effect on job satisfaction, organizational commitment has a significant positive effect on job satisfaction, job satisfaction has a significant negative effect on turnover intention, motivation has a significant negative effect on turnover intention through job satisfaction, and organizational commitment has a significant negative effect on turnover intention through job satisfaction The aim of this research is to analyze the influence of Motivation on Turnover Intention, to analyze the influence of Organizational Commitment on Turnover Intention, to analyze the influence of Motivation on Job, to analyze the influence of Organizational Commitment on Job Satisfaction, to analyze the influence of Job Satisfaction on Turnover Intention, to analyze the influence of Motivation on Turnover, to analyze the influence of Organizational Commitment on Turnover Intention. Using quantitative, and descriptive research. The respondents are 246 employees of PT PNM. Questionnaires using a Likert scale with the assistance of SmartPLS. The results of this study indicate that motivation has a significant negative effect on turnover intention, organizational commitment has a significant negative effect on turnover intention, motivation has a significant positive effect on job satisfaction, organizational commitment has a significant positive effect on job satisfaction, job satisfaction has a significant negative effect on turnover intention, motivation has a significant negative effect on turnover intention through job satisfaction, and organizational commitment has a significant negative effect on turnover intention through job satisfaction
Effect of Work Environment and Leadership Style on Employee Performance Through Motivation as an Intervening Variable (Empirical Study of PT Permodalan Nasional Madani) Irawan, Hengki; Safaria, Siti
Formosa Journal of Sustainable Research Vol. 3 No. 11 (2024): November 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjsr.v3i11.12555

Abstract

The goal of this study is to ascertain how the work environment affects employee performance, how leadership style affects employee performance, how the work environment affects motivation, how leadership style affects motivation, how the work environment affects performance through motivation, and how leadership style affects performance through motivation. This study uses primary data and is classified as a quantitative study. 210 workers at the Padang location of PT PNM (Persero) are the study's subjects. The study's findings are: A supportive work environment is the primary factor in raising employee motivation, an effective leadership style can significantly increase employee motivation, a conducive work environment, and a good leadership style all significantly contribute to performance improvementbeen demonstrated to have a substantial impact on performance in this study, motivation does not significantly mediate the relationship between leadership style and performance, nor does it significantly mediate the relationship between work environment and performance
Digital Resilience and Financial Stability: Rethinking the Strategic Role of FinTech, AI, and CBDC in Indonesia and Emerging Economies Prihandini, Wiwiek; Safaria, Siti
Journal of Business, Finance, and Banking Vol. 1 No. 1 (2025): Journal of Business, Finance, and Banking (JBFB)
Publisher : Institut Keuangan-Perbankan Dan Informatika Asia Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/jbfb.v1i1.970

Abstract

In the era of accelerating digital transformation, financial systems in emerging economies face a dual challenge: harnessing the potential of innovation while safeguarding systemic stability. This paper examines the strategic role of Financial Technology (FinTech), Artificial Intelligence (AI), and Central Bank Digital Currency (CBDC) in enhancing financial resilience and ensuring macroprudential stability, with a particular focus on Indonesia as a leading example of digital financial integration in the Global South. Drawing on comparative policy analysis, global regulatory trends, and Indonesia's policy innovations—such as the Quick Response Code Indonesian Standard (QRIS), Bank Indonesia’s Garuda Project, and the Financial Services Authority’s (OJK) regulatory sandbox—this study proposes an integrative framework that links digital innovation with governance architecture and institutional readiness. The findings reveal that while FinTech accelerates inclusion, AI enhances predictive supervision, and CBDCs improve monetary control, their effectiveness depends on adaptive regulation, cross-sectoral coordination, and data governance. The paper also highlights the risks of regulatory fragmentation, algorithmic bias, and digital inequality if innovations outpace institutional preparedness. In response, the study outlines policy recommendations centered on principle-based supervision, digital financial resilience strategies, and ethical frameworks for AI and CBDC. Theoretically, this research contributes to the evolving discourse on digital-era macroprudential governance; practically, it offers a roadmap for policymakers to build robust, inclusive, and sovereign financial ecosystems.
Does job satisfaction mediate the effect of teamwork and organizational citizenship behavior on job performance? Santi Riana Dewi; Deviyantoro Deviyantoro; Kamil Husain; Siti Safaria
JPPI (Jurnal Penelitian Pendidikan Indonesia) Vol. 10 No. 3 (2024): JPPI (Jurnal Penelitian Pendidikan Indonesia)
Publisher : Indonesian Institute for Counseling, Education and Theraphy (IICET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/020244560

Abstract

In an increasingly competitive business situation, employee performance is something that is increasingly becoming the main concern of organizations. Therefore, this research aims to find a model for improving employee performance through increasing teamwork and organizational citizenship behavior with job satisfaction as an intervening variable. This study was carried out in Merak Banten at an agrochemical company by distributing questionnaires to 50 respondents representing production, maintenance, warehouse, laboratory, and general departments. This kind of research is known as explanatory research, and it uses hypothesis testing to explain the link between variables. The collected questionnaire data was then analyzed using SEM statistical methods and PLS analysis with SmartPLS 4 software. The analysis outcome showed that the job satisfaction variable had a direct effect on performance, teamwork had a direct or indirect effect on performance and organizational citizenship behavior had no direct or indirect effect. on performance. This research implies that companies are advised to increase the value of organizational citizenship behavior to increase job satisfaction and employee performance.
Co-Authors , Rahima Br Purba AA Sudharmawan, AA Abdullah Alwyni, Farouk Andari Andari, Andari Arifatur Yuniawati Ayu, Chintya Puteri Budi Santosa Budi Santosa Damayati, Elsa Kusumah Daniel Silitonga Deviyantoro Deviyantoro Deviyantoro, Deviyantoro Donie Nahloly Embun Prowanta Fatfa, Nadira Anasta Fiolita, Ata Friska Sari Asta Hanantijo, Gerardus Michael Djoko Harsono Harsono Haryono Umar Hengki Irawan Husain, Kamil Husni Indra Irawan Jacklyn Edmonda Georgiene Deseriere Kamil Husain Kartika Agustina, Kartika Karyaningsih, Karyaningsih Laela Lanjarsih Leo Agung, Leo Mohamad Januar Bagus Indranata Neneng Yani Nursetiani, Andini Oktavianti, Ardiana Ovalia Primadonna Ratna Mutumanikam Rachmad, Ari Ramadhan Firmansyah Ramli , Aisyah Alizza Rahmah Ritonga, Suryani Rizki, Muhammad Nur Roghibun Ainun Mahfud Sallamanda, Vickry Reza Santi Riana Dewi Santi Riana Dewi, Santi Riana Sera, Kornelus Simroangkir, Panubut Sri Wahyuni Stefanus Sri Sadana Sugeng Suprapto susanto, haris Tengku Ariffadillah Tommy Herdianto Trianti, Gita Trinandari Prasetya Nugrahanti Wahyuningisih, Erna Welda Mudiar Weni Mega Sari Widowati, Mariatin Sri Wiwiek Prihandini Yandry Maroli Yohanes Ferry Cahaya Yulfanis, Andyni