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Increasing University Students Intentional Use Of QRIS E-Payment Paleni, Herman; Suyadi, Suyadi; Indah, Tiara Permata
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 3 (2025): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v13i3.8057

Abstract

This research examines the variables affecting students' intentions to utilize QRIS e-payment, with a focus on students enrolled in Bina Insan University of management program, despite earlier studies on QRIS adoption has made extensive use of the Technology Acceptance Model (TAM), mixed results point to the need for more investigation. Using the Slovin with a margin of error (0.05), a sample of 270 respondents was chosen from the population of 825 students in this research. To make sure the sample was representative, stratified proportional sampling was used. Using structural equation modeling, hypotheses were evaluated. The results of the study show that students' interest in utilizing QRIS is highly influenced by perceived ease of use and perceived risk. However, student enthusiasm in utilizing QRIS was not significantly impacted by perceived usefulness. This result raises the possibility that adoption may not be fueled only by the useful advantages of QRIS. Rather, it emphasizes how important it is for service providers to concentrate on enhancing transaction security and fostering user confidence. Promoting QRIS adoption among students may be more successful if its security features are improved and users worries regarding data security and financial stability are addressed. Future studies should examine how additional elements, such perceived social influence and institutional trust, affect student intentions to utilize QRIS.
PENGARUH KEMAMPUAN KERJA DAN MOTIVASI TERHADAP PRODUKTIVITAS KERJA KARYAWAN DIMEDIASI LOYALITAS KERJA DI PT. PP LONDON SUMATERA INDONESIA Tbk Sindi, Destiana; Paleni, Herman; Fitria, Fitria
Kinerja Vol 8 No 01 (2025): KINERJA : Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam As-Syafi'iyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34005/kinerja.v8i01.4592

Abstract

Penelitian ini bertujuan untuk mengevaluasi pengaruh kemampuan kerja dan motivasi terhadap produktivitas kerja melalui loyalitas kerja di PT. PP London Sumatera Indonesia Tbk Muara Kelingi. Penelitian ini menggunakan jenis penelitian kuantitatif dengan sumber data primer dari penyebaran kuesioner yang dibagikan kepada karyawan tetap sebagai sampel, yaitu sebanyak 92 karyawan tetap PT. PP London Sumatera Indonesia Tbk Muara Kelingi. Teknik analisis data yang digunakan menggunakan model struktural PLS-SEM dengan bantuan alat uji Smart PLS. Hasil penelitian menunjukkan bahwa kemampuan kerja dan motivasi berpengaruh secara signifikan terhadap produktivitas kerja secara parsial dan bersama-sama. Sementara itu, variabel mediasi loyalitas kerja memiliki kemampuan untuk memediasi (menghubungkan) pengaruh kemampuan kerja terhadap produktivitas kerja dan pengaruh motivasi terhadap produktivitas kerja. Kemampuan kerja memungkinkan karyawan menyelesaikan tugas secara efisien, sedangkan motivasi yang kuat mendorong karyawan untuk melakukan yang terbaik dari kemampuan karyawan. Selanjutnya, loyalitas kerja memediasi kemampuan kerja terhadap produktivitas kerja, yang telah terbukti mempengaruhi kemampuan kerja secara tidak langsung dan memediasi secara parsial. Demikian juga, loyalitas kerja memediasi motivasi terhadap produktivitas kerja, yang telah terbukti mempengaruhi motivasi terhadap produktivitas kerja secara tidak langsung dan memediasi secara parsial. Karyawan merasa bertanggung jawab atas kesuksesan organisasi karena loyalitas yang mendorong karyawan untuk berkontribusi lebih baik
PENGARUH PERSEPSI KEMUDAHAN PENGGUNAAN, PERSEPSI KEGUNAAN DAN PERSEPSI RISIKO TERHADAP MINAT MENGGUNAKAN E-PAYMENT DANA Putri, Septa Nabilah; Paleni, Herman
Jurnal Interprof Vol 11 No 1 (2025): Jurnal Interprof, Juni
Publisher : LPPM UNIVERSITAS BINA INSAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32767/interprof.v11i1.2725

Abstract

Electronic payment systems have transformed financial transactions; however, user adoption among university students remains inconsistent. This study this gap by examining the effects of perceived ease of use, perceived usefulness, and perceived risk on users’ intention to adopt DANA, one of the leading digital wallet providers in Indonesia. Guided by the Technology Acceptance Model (TAM), survey data were collected from 302 Indonesian university students and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings reveal that perceived ease of use significantly influences both perceived usefulness and behavioral intention, while perceived usefulness strongly predicts perceived risk and user intention. Perceived risk exerts a positive but weaker effect on behavioral intention. Collectively, the model explains 69.6% of the variance in user intention, thereby confirming the explanatory power of TAM in the context of digital wallets. Theoretically, this study validates and extends TAM by incorporating perceived risk; practically, it offers insights for e-wallet providers and regulators to design digital financial services that are secure, efficient, and user-friendly. The study’s limitation lies in its single-sample focus on university students, which restricts generalizability. Future research should involve a larger and more diverse population and integrate moderating factors such as trust and financial literacy.
PENGARUH KEBIJAKAN DIVIDEN, STRUKTUR HUTANG, DAN PROFITABILITAS TERHADAP NILAI PERUSAHAAN SEKTOR ENERGI DI BURSA EFEK INDONESIA Paleni, Herman; Pradana, Fiter Xarnes
Jurnal Interprof Vol 11 No 1 (2025): Jurnal Interprof, Juni
Publisher : LPPM UNIVERSITAS BINA INSAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32767/interprof.v11i1.2728

Abstract

This study aims to assess the effect of dividend policy, debt policy, and profitability of oil and gas sub-sector companies listed on the Indonesia Stock Exchange for the years 2019-2022. The method applied in this study is quantitative and uses panel data regression with a sample of 14 companies. The model testing uses the Chow Test, Hausman Test, and Lagrange Multiplier, and the results show that the Random Effect Model is the most appropriate. The results show that the Dividend Payout Ratio (DPR) has a significant positive effect on Price to Book Value (PBV), indicating that dividend policy is a driver for companies. On the other hand, the Debt Equity Ratio (DER) and Return on Equity (ROE) do not have a significant effect on PBV. However, when taken together, DPR, DER, and ROE have an effect on PBV with a coefficient of determination (R2) of 13.47%. This indicates that, in the oil and gas sub-sector, investors pay more attention to the consistency of dividend policy than debt policy and profitability in evaluating company performance. The practical and managerial implications that can be drawn from this study are the need for company management to maintain and sustain dividend policy in the long term in order to increase investor confidence and enhance company value.
PRAKTIK MANAJEMEN SDM BERKELANJUTAN (S-HRM) DALAM PEMBENTUKAN PERILAKU KARYAWAN Pardede, Cicilia Chandra; Paleni, Herman
Jurnal Media Ekonomi (JURMEK) Vol 30 No 2 (2025): Jurnal Media Ekonomi (JURMEK) Agustus
Publisher : LPPM UNIVERSITAS BINA INSAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32767/jurmek.v30i2.2742

Abstract

Employee behavior is an important determinant of organizational effectiveness and productivity. This study aims to examine how sustainable human resource management (S-HRM) practices shape employee behavior at PT Nusantara Gemilang Mandiri in Lubuklinggau City. This study uses a qualitative approach through in-depth interviews with employees and managers to explore their experiences with the implementation of S-HRM; the data is analyzed thematically to identify patterns of practice and their impact on work behavior. The results show that systematic attention to welfare, occupational safety and health, competency development, and employee engagement increases job satisfaction and motivation; this increase correlates with higher productivity, the emergence of innovative initiatives, and more proactive and responsible work behavior. The findings confirm that S-HRM not only supports organizational sustainability, but also directly shapes positive employee behavior at gas station operations. Practically, this research provides direction for similar companies to prioritize welfare programs, safe working environments, and sustainable development as levers for superior work behavior; academically, this study adds to the evidence on the effects of S-HRM on employee behavior in the retail fuel sector. The limitations of this study open up opportunities to use a larger sample size in the future
Lingkungan Kerja dan Kepemimpinan Terhadap Komitmen Organisasi dan Kinerja di Dinas PU Cipta Karya Prasasti, Eva; Paleni, Herman; Samosir, Agustinus; Efiyanti, Yuli
BISMA Cendekia Vol. 4 No. 2 (2024): BISMA Cendekia - Januari 2024
Publisher : Politeknik Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56473/bisma.v4i2.114

Abstract

Penelitian ini bertujuan untuk menguji secara empiris pengaruh lingkungan kerja dan kepemimpinan terhadap komitmen organisasi dan kinerja pegawai pada Dinas PU Cipta Karya, Tata Ruang Dan Pengairan Kabupaten Musi Rawas. Populasi dalam penelitian ini adalah pegawai Dinas PU Cipta Karya, Tata Ruang Dan Pengairan Kabupaten Musi Rawas. Sampel dalam penelitian ini adalah seluruh pegawai pada Dinas PU Cipta Karya, Tata Ruang Dan Pengairan Kabupaten Musi Rawas yaitu sebanyak 80 responden. Data yang digunakan adalah data primer yang diperoleh dari hasil penyebaran kuesioner kepada pegawai Dinas PU Cipta Karya, Tata Ruang Dan Pengairan Kabupaten Musi Rawas. Metode yang digunakan adalah analisis regresi linier sederhana dan berganda. Dari pengujian menunjukkan bahwa hipotesis pertama yaitu lingkungan kerja (X1) berpengaruh terhadap komitmen organisasi (Y1), hal ini dibuktikan dengan hasil analisis uji t yang menunjukan nilai t hitung = 8,798 lebih besar dari nilai ttabel = 1,990 dengan nilai signifikan 0,000 < 0,05. Hipotesis kedua yaitu kepemimpinan (X2) berpengaruh terhadap komitmen organisasi (Y1), hal ini dibuktikan dengan hasil analisis uji t yang  menunjukkan nilai t hitung = 12,412 lebih besar dari nilai ttabel = 1,990 dengan nilai signifikan 0,000 < 0,05. Hipotesis ketiga yaitu lingkungan kerja (X1) dan kepemimpinan (X2) berpengaruh terhadap komitmen organisasi (Y1), hal ini dibuktikan dengan hasil analisis uji F yang  menunjukkan nilai F hitung = 90,734 lebih besar dari nilai Ftabel = 3,115 dengan nilai signifikan 0,000 < 0,05. Hipotesis keempat yaitu lingkungan kerja (X1) berpengaruh terhadap kinerja (Y2), hal ini dibuktikan dari hasil analisis uji t menunjukkan nilai t hitung= 8,837 lebih besar dari nilai ttabel = 1,990 dengan tingkat signifikan = 0,000 < 0,05. Hipotesis kelima yaitu kepemimpinan (X2) secara kinerja (Y2), hal ini dibuktikan dari hasil analisis uji t menunjukkan nilai t hitung= 10,863 lebih besar dari nilai ttabel = 1,990 dengan tingkat signifikan = 0,000 < 0,05. Hipotesis keenam yaitu lingkungan kerja (X1) dan kepemimpinan (X2)  secara simultan berpengaruh terhadap kinerja (Y2), hal ini dibuktikan dari hasil analisis uji F menunjukkan nilai F hitung= 90,734 lebih besar dari nilai  F tabel  3,115 dengan tingkat signifikan = 0,000 < 0,05. Hipotesis ketujuh yaitu komitmen organisasi (Y1) berpengaruh terhadap kinerja (Y2), hal ini dibuktikan dengan hasil analisis uji t yang  menunjukkan nilai t hitung = 13,865 lebih besar dari nilai ttabel = 1,990 dengan nilai signifikan 0,000 < 0,05.
Career Development as a Mediator of Internal Communication and Work Motivation on Employee Performance Wati, Aslinda; Paleni, Herman; Sardiyo, Sardiyo
Equity: Jurnal Ekonomi Vol 13 No 2 (2025): Equity : Jurnal Ekonomi
Publisher : Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/equity.v13i2.526

Abstract

This study examines how internal communication and work motivation affect civil servant performance through career development as a mediator. Using a quantitative approach with an explanatory design to describe the relationship and influence between variables on 31 civil servants in the Communication, Informatics, and Statistics Office of Musi Rawas Regency, data were collected through questionnaires, observation, and documentation. The analysis included linear regression, path analysis, and Sobel's test to examine direct and indirect effects. The results showed that internal communication and work motivation had a positive effect on career development and performance; career development significantly mediated the influence of internal communication and work motivation on employee performance. These findings emphasize the importance of career-based intervention designs that link organizational communication practices and employee motivation to performance achievement. The uniqueness of the study lies in testing the mediation model at the district level with explicit links between individual/organizational and performance, providing a concise and measurable empirical basis for formulating human resource development policies in the public sector. Recommendations emphasize strengthening internal communication, maintaining motivation, and structured career development programs to optimize civil servant performance.
Spiritual Intelligence as a Moderator in the Influence of Work Loyalty, Individual Characteristics, and External Motivation on Employee Performance Ariasanti, Yossi; Nuraini, Betti; Rimbano, Dheo; Paleni, Herman
Equity: Jurnal Ekonomi Vol 13 No 2 (2025): Equity : Jurnal Ekonomi
Publisher : Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/equity.v13i2.530

Abstract

This research addresses the gap in public sector employee performance models in Indonesia, which are still dominated by structural factors such as incentives, while the integration of values (psychological and spiritual) is rarely tested quantitatively. This research examines the influence of work loyalty, individual characteristics, and external motivation on employee performance, as well as the role of spiritual intelligence as a moderator at the Lubuklinggau City Agriculture Office. A quantitative survey method was used on 81 employees; data was collected through questionnaires, observations, and document reviews, then analyzed using simple linear regression, t-tests, correlation tests, and Moderated Regression Analysis (MRA). The results show that all three variables have a positive and significant effect on performance, and spiritual intelligence strengthens the relationship between each variable and performance. The findings emphasize the urgency of a value-based performance framework that integrates spiritual dimensions into bureaucratic performance management practices. Limitations include a single-agency design, potentially biased self-assessment, and narrow scope. Nevertheless, this study contributes empirical evidence of the moderating effect of spiritual intelligence and offers a value-based performance framework that integrates psychological and spiritual parameters in the context of government organization.
The Role Of Job Stress In Mediating The Effect Of Hard Skills, Soft Skills, And Digitalization On Employee Job Readiness Utami, Isma Putri; Susanto, Yohanes; Paleni, Herman; Rimbano, Dheo
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 4 (2025): Oktober
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v13i4.8821

Abstract

This study aims to analyze the effect of hard skills, soft skills, and digitalization on employee job readiness and the mediating role of job stress at PT Bank Mandiri (Persero) Tbk Lubuklinggau Branch. The method used is quantitative with a survey approach. The results showed that hard skills, soft skills, and digitalization partially affected work readiness. Simultaneously, the three variables also have a considerable impact, indicating that work readiness is influenced by various skills that support each other. In addition, job stress is proven to act as an intervening variable in the relationship between hard and soft skills and job readiness. Thus, developing technical, interpersonal, and digital skills needs to be accompanied by effective stress management to improve work readiness optimally. These findings provide important implications for human resource management in the banking sector, particularly in enhancing employee competencies and work readiness in the digital era.
Integrative Model Of The Effect Of Competence And Individual Behavior On Employee Performance Through Work Motivation Napitupulu, Romasta; Paleni, Herman; Susanto, Yohanes; Ustadi, Noorchamid
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 4 (2025): Oktober
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v13i4.8823

Abstract

This research is motivated by the importance of improving employee performance within government agencies, which is not only influenced by structural factors but also by competence, individual behavior, and work motivation. This study aimed to analyze the effect of competence and personal behavior on employee performance, with work motivation as an intervening variable at the Research and Development Agency of Musi Rawas Regency. This research uses a quantitative approach with descriptive methods. The sample comprised 42 respondents, determined through the saturated sampling technique. Data collection was done through questionnaires and data analysis using the path analysis method with the help of the SmartPLS version 4.0 application. The results showed that competence and individual behavior positively and significantly affected performance, both partially and simultaneously. Work motivation is proven to mediate the relationship significantly. These findings indicate that positive individual competencies and behaviors can optimally improve employee performance if supported by high work motivation. Therefore, good human resource management that emphasizes the development of aspects of competence, behavior, and motivation is an essential strategy for increasing the effectiveness of public organizations.