Garuda - Garba Rujukan Digital

To What Extent Do Organizational Reputation, Personal-Organizational Value Fit, And Perceived Growth Opportunity Influence The Retention Intentions of Millennial Employees in Jakarta's Fintech Sector? Sakaria, Maulid; Muhtadi, Muhamad Ammar; Bunyamin, Ilham Akbar
West Science Social and Humanities Studies Vol. 3 No. 09 (2025): West Science Social and Humanities Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsshs.v3i09.2218

This study investigates the influence of organizational reputation, personal–organizational value fit, and perceived growth opportunities on millennial employee retention intentions in Jakarta’s fintech sector. Using a quantitative research design, data were collected through questionnaires distributed to 130 millennial employees working in various fintech companies. Responses were measured on a five-point Likert scale, and the data were analyzed using SPSS version 25 through validity, reliability, classical assumption, and multiple regression tests. The findings show that organizational reputation, value fit, and growth opportunities each have a significant and positive effect on employee retention intention. Among these, perceived growth opportunities emerged as the strongest predictor, indicating that millennials are highly motivated to stay when they perceive clear pathways for professional development and advancement. These results emphasize the importance for fintech firms to strengthen their reputation, foster value alignment, and provide structured career growth opportunities to effectively retain millennial talent. The study contributes to both theory and practice by extending employee retention research into the fintech context of an emerging economy while offering actionable strategies for human resource management.

Dampak Microlearning, Motivasi Belajar, dan Dukungan Orang Tua terhadap Prestasi Akademik Siswa SMA di Jawa Barat Muhtadi, Muhamad Ammar; Priyana, Yana; Andrasmoro, Dony
Jurnal Pendidikan West Science Vol 3 No 03 (2025): Jurnal Pendidikan West Science
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/jpdws.v3i03.2706

Penelitian ini mengkaji pengaruh microlearning, motivasi belajar, dan dukungan orang tua terhadap prestasi akademik siswa SMA di Jawa. Desain penelitian kuantitatif diterapkan, melibatkan 335 siswa yang dipilih melalui sampling purposif. Data dikumpulkan menggunakan kuesioner yang diukur dengan skala Likert 1–5 dan dianalisis menggunakan SPSS versi 25 melalui statistik deskriptif, uji validitas dan reliabilitas, serta analisis regresi berganda. Hasil menunjukkan bahwa microlearning, motivasi belajar, dan dukungan orang tua masing-masing memiliki pengaruh positif dan signifikan terhadap prestasi akademik. Di antara ketiga variabel tersebut, motivasi belajar menunjukkan pengaruh terkuat, diikuti oleh microlearning dan dukungan orang tua. Secara keseluruhan, ketiga faktor tersebut menjelaskan 52,3% varians dalam prestasi akademik siswa. Temuan ini menyoroti pentingnya menerapkan strategi microlearning, memperkuat motivasi belajar siswa, dan meningkatkan keterlibatan orang tua untuk mendukung kesuksesan akademik. Studi ini berkontribusi pada praktik dan kebijakan pendidikan dengan menekankan perlunya upaya terpadu antara pendidik, orang tua, dan siswa untuk meningkatkan hasil belajar di sekolah menengah atas di Indonesia.

The Role of Productive Zakat in Improving MSME Performance: A Quantitative Study of Mustahik Assisted by Zakat Institutions in West Java Sumaryanto, Purwidi; Muhtadi, Muhamad Ammar; Lesmana, Tera
West Science Islamic Studies Vol. 3 No. 04 (2025): West Science Islamic Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsiss.v3i04.2348

This study investigates the role of productive zakat in improving the performance of Micro, Small, and Medium Enterprises (MSMEs) assisted by zakat institutions in West Java. Productive zakat, as a form of Islamic social finance, aims to empower mustahik (zakat recipients) by providing business capital, training, and guidance to foster economic independence and sustainability. Using a quantitative approach, data were collected from 100 MSME zakat recipients through structured questionnaires based on a five-point Likert scale. Data analysis was conducted using SPSS version 25, including validity, reliability, classical assumption, and multiple regression tests. The results reveal that productive zakat utilization, entrepreneurial capacity, and institutional support each have a positive and significant effect on MSME performance. The coefficient of determination (R²) value of 0.673 indicates that 67.3% of MSME performance variation is explained by these three variables. The findings underscore the crucial role of effective zakat management and capacity-building initiatives in achieving sustainable empowerment. This study contributes to the understanding of how Islamic social finance instruments, particularly productive zakat, can serve as a catalyst for inclusive economic development and poverty reduction in Indonesia.

The Impact of Environmental Uncertainty and Sense of Urgency on Individual Innovation in Bali's Renewable Energy Startups Suryandari, Ratnawati Yuni; Muhtadi, Muhamad Ammar; Pahrijal, Rival
West Science Interdisciplinary Studies Vol. 3 No. 10 (2025): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v3i10.2342

This study investigates the impact of environmental uncertainty and sense of urgency on individual innovation in renewable energy startups in Bali. In dynamic and resource-constrained startup environments, the ability to innovate is critical for survival and competitiveness. A quantitative approach was employed, surveying 130 respondents from various renewable energy startups using a Likert-scale questionnaire. Data were analyzed using Structural Equation Modeling with Partial Least Squares (SEM-PLS 3) to test hypothesized relationships. The results indicate that both environmental uncertainty (β = 0.342, p < 0.001) and sense of urgency (β = 0.540, p < 0.001) significantly influence individual innovation. Furthermore, sense of urgency partially mediates the effect of environmental uncertainty on innovation, highlighting its role as a psychological catalyst that translates external pressures into actionable innovative behaviors. The findings provide theoretical contributions by integrating contingency theory and self-determination theory, and offer practical implications for startup managers and policymakers seeking to foster innovation in uncertain renewable energy markets.

Legal Review of the Settlement of Sharia Mortgage Defaults Based on DSN-MUI Fatwa No. 17/DSN-MUI/IX/2000 Nasution, Emmi Rahmiwita; Muhtadi, Muhamad Ammar; Arini, Rani Eka
West Science Law and Human Rights Vol. 3 No. 04 (2025): West Science Law and Human Rights
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wslhr.v3i04.2337

This study examines the legal framework governing the handling of defaults in Sharia mortgage contracts, focusing on the interpretation and application of DSN-MUI Fatwa No. 17/DSN-MUI/IX/2000. Using a normative juridical approach, the research analyzes how Islamic financial institutions address customer defaults (wanprestasi) in a manner consistent with Sharia principles and national banking regulations. The study explores the fatwa’s relevance in regulating sanctions, ensuring fairness, and preventing elements of riba while maintaining the stability of the Islamic financial system. The findings reveal that DSN-MUI Fatwa No. 17 provides clear moral and legal guidance for handling defaults through non-ribawi sanctions, such as fines dedicated to social purposes. However, discrepancies still exist between the fatwa’s moral prescriptions and its implementation due to the lack of detailed operational procedures within national law. The study concludes that better integration between Sharia norms, DSN-MUI fatwas, and Indonesian financial regulations is necessary to enhance the effectiveness, justice, and legal certainty in handling Sharia mortgage defaults.

Pengaruh Kesadaran Kewirausahaan dan Ketahanan Digital terhadap Keberlanjutan UMKM di Jawa Barat Muhtadi, Muhamad Ammar; Arini, Rani Eka; Untung, Untung
Jurnal Ekonomi dan Kewirausahaan West Science Vol 3 No 04 (2025): Jurnal Ekonomi dan Kewirausahaan West Science
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/jekws.v3i04.2801

Penelitian ini mengkaji pengaruh kesadaran kewirausahaan dan ketahanan digital terhadap keberlanjutan Usaha Mikro, Kecil, dan Menengah (UMKM) di Jawa Barat, Indonesia. Menggunakan pendekatan kuantitatif, data dikumpulkan dari 125 pemilik UMKM yang dipilih melalui sampling purposif. Penelitian ini menggunakan kuesioner terstruktur yang diukur dengan skala Likert lima poin, dan data dianalisis menggunakan SPSS versi 25, termasuk uji validitas, reliabilitas, dan regresi berganda. Hasil menunjukkan bahwa baik kesadaran kewirausahaan maupun ketahanan digital memiliki pengaruh positif dan signifikan terhadap keberlanjutan UMKM. Wirausahawan yang sadar menunjukkan adaptabilitas, kesadaran, dan pengambilan keputusan etis yang lebih tinggi, sementara UMKM yang tangguh secara digital lebih mampu memanfaatkan teknologi untuk mempertahankan operasional dan pulih dari gangguan. Secara bersama-sama, kemampuan ini menyumbang hampir 49% variasi dalam keberlanjutan UMKM. Temuan ini menegaskan bahwa kompetensi psikologis dan digital secara bersama-sama meningkatkan umur panjang dan daya saing bisnis. Penelitian ini berkontribusi pada literatur perilaku kewirausahaan dan transformasi digital, sekaligus menawarkan wawasan praktis bagi pembuat kebijakan untuk merancang program pengembangan kapasitas terintegrasi yang memperkuat ketahanan dan pertumbuhan berkelanjutan UMKM.

The Impact of Environmental Uncertainty and Sense of Urgency on Individual Innovation in Bali's Renewable Energy Startups Suryandari, Ratnawati Yuni; Muhtadi, Muhamad Ammar; Pahrijal, Rival
West Science Interdisciplinary Studies Vol. 3 No. 10 (2025): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v3i10.2342

This study investigates the impact of environmental uncertainty and sense of urgency on individual innovation in renewable energy startups in Bali. In dynamic and resource-constrained startup environments, the ability to innovate is critical for survival and competitiveness. A quantitative approach was employed, surveying 130 respondents from various renewable energy startups using a Likert-scale questionnaire. Data were analyzed using Structural Equation Modeling with Partial Least Squares (SEM-PLS 3) to test hypothesized relationships. The results indicate that both environmental uncertainty (β = 0.342, p < 0.001) and sense of urgency (β = 0.540, p < 0.001) significantly influence individual innovation. Furthermore, sense of urgency partially mediates the effect of environmental uncertainty on innovation, highlighting its role as a psychological catalyst that translates external pressures into actionable innovative behaviors. The findings provide theoretical contributions by integrating contingency theory and self-determination theory, and offer practical implications for startup managers and policymakers seeking to foster innovation in uncertain renewable energy markets.

Analysis of the Influence of Cultural Commodification, Digital Tourism, and Virtual Exoticism on Public Perceptions of Cultural Tourism in East Java Hendratri, Bhaswarendra Guntur; Muhtadi, Muhamad Ammar; Arini, Rani Eka
West Science Social and Humanities Studies Vol. 3 No. 10 (2025): West Science Social and Humanities Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsshs.v3i10.2350

This study examines the influence of cultural commodification, digital tourism, and virtual exoticism on public perceptions of cultural tourism in East Java. Using a quantitative research design, data were obtained from 115 respondents through a structured questionnaire utilizing a five-point Likert scale. Statistical analysis was conducted using SPSS version 25, including validity, reliability, classical assumption tests, and multiple linear regression. The findings reveal that all three independent variables—cultural commodification, digital tourism, and virtual exoticism—have a positive and significant influence on public perception. Among them, digital tourism has the strongest impact, indicating the vital role of digital media in shaping audience engagement and cultural understanding. The results also show that these three variables collectively explain 69.7% of the variation in public perception of cultural tourism. This demonstrates that digital representations and market-driven adaptations increasingly mediate modern cultural tourism. The study highlights the importance of balancing cultural authenticity and digital innovation to foster sustainable tourism development in East Java. It provides both theoretical insights and practical guidance for policymakers, cultural managers, and local communities in preserving cultural identity while leveraging digital opportunities.

Genetic Factors in Mental Health Disorders in adolescents in West Java: Experiencing it with Genomics Anurogo, Dito; Muhtadi, Muhamad Ammar; Farooq Mujahid, Muhammad Umer
West Science Interdisciplinary Studies Vol. 1 No. 09 (2023): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v1i09.220

Mental health disorders among adolescents in West Java have become a growing concern, impacting their well-being and future prospects. This study aimed to investigate the genetic factors contributing to these disorders, utilizing genomic analysis and qualitative exploration of lived experiences. A mixed-methods approach was employed, including quantitative surveys, genomic analysis, and qualitative interviews. The study comprised a diverse sample of adolescents from various socio-economic backgrounds and age groups in West Java. The quantitative analysis revealed a significant prevalence of mental health disorders, with approximately 35% reporting symptoms of depression and 55% meeting criteria for generalized anxiety disorder. Genomic analysis identified specific genetic markers associated with these disorders, emphasizing their genetic underpinnings. Qualitative data underscored the impact of stigma, coping mechanisms, family support, and cultural factors on adolescents' mental well-being. The findings of this study provide a comprehensive understanding of mental health in adolescents in West Java, integrating genetic and socio-cultural perspectives. The prevalence rates highlight the urgency of addressing mental health issues in this population. Genetic insights suggest opportunities for personalized interventions, while qualitative findings emphasize the importance of reducing stigma and enhancing community-based support. These findings contribute to the development of targeted interventions and policies aimed at improving the mental health of adolescents in West Java.

The Influence of Mediation Approaches, Social Factors, and Psychological Factors on Family Dispute Resolution at the Ministry of Religious Affairs in West Java Masrina, Masrina; Muzayyin, Ahmad; Muhtadi, Muhamad Ammar
West Science Interdisciplinary Studies Vol. 1 No. 12 (2023): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v1i12.482

This research investigates the influence of mediation approaches, social factors, and psychological factors on the resolution of family disputes at the West Java Ministry of Religious Affairs. Employing a quantitative approach, the study involves a sample of 250 participants and utilizes Structural Equation Modeling with Partial Least Squares (SEM-PLS) for data analysis. The results reveal significant positive relationships between mediation approaches, psychological factors, and social factors with family dispute resolution. The integrated analysis underscores the interplay of these variables, highlighting the importance of culturally sensitive mediation strategies and holistic interventions that address both social and psychological dimensions. The findings contribute to a nuanced understanding of family dispute resolution dynamics in the specific cultural and religious context of West Java, providing valuable insights for policymakers, practitioners, and researchers in the field.

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