Rumah Jurnal Institut Pesantren KH. Abdul Chalim
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The Influence of Organizational Commitment and Perceived Organizational Support of BPKP in Achieving the Vision of Indonesia Emas 2045 Moderate By Leadership Transformation
Get PDFThis research aims to analyze the influence of Organizational Commitment and Perceived Organizational Support on the achievement of the Golden Indonesia 2045 Vision within the BPKP environment, with Leadership Transformation as a moderating variable. The dynamic nature of change and the high demands for adaptation in realizing the national development vision place BPKP in a strategic position. However, the success of this adaptation heavily depends on individual readiness and organizational support. This study examines how employees' readiness to face change and their perceptions of organizational support can drive the achievement of these long-term goals. Furthermore, Leadership Transformation characterized by the ability to inspire, drive change, and align team efforts with organizational vision—is hypothesized to strengthen or weaken the relationship between Organizational Commitment and Perceived Organizational Support with the achievement of the Golden Indonesia 2045 Vision. A quantitative approach using surveys will be employed to collect data from BPKP employees. The data obtained will then be analyzed using the Structural Equation Modeling Partial Least Squares (SEM-PLS) method. The results of the study indicate that Organizational Commitment and Perceived Organizational Support have a positive and significant effect on the effectiveness of transformation towards the Golden Indonesia 2045 Vision. Moreover, Leadership Transformation has been proven to strengthen the influence of these independent variables, meaning that high levels of commitment and support, combined with transformational leadership qualities, will enhance BPKP's success in achieving the goals of Indonesia Emas 2045
The Impact of Job Stress on Turnover Intention with Organizational Commitment as a Mediation
Get PDFThis study aims to examine the effect of Job Stress on Turnover Intention with Affective Commitment, Continuance Commitment, and Normative Commitment as mediating variables in employees of PT. Global Foresight. This study uses a quantitative approach with the Structural Equation Modeling-Partial Least Square (SEM-PLS) method processed through SmartPLS 3.0 software. Data were obtained from 150 respondents selected using a non-probability sampling technique with a judgment sampling type, namely, determining the sample based on certain considerations relevant to the research objectives. The results showed that Job Stress did not have a significant direct effect on Turnover Intention, but had a significant effect on the three dimensions of organizational commitment, namely Affective, Continuance, and Normative Commitment. Furthermore, Affective Commitment and Continuance Commitment were proven to have a significant effect on Turnover Intention and were able to mediate the relationship between Job Stress and Turnover Intention. Conversely, Normative Commitment did not show a significant effect on Turnover Intention and could not act as a mediator. These findings indicate that the influence of job stress on employees' desire to leave the company is more influenced by emotional attachment and considerations of job continuity than normative obligations. This research offers important implications for management in managing work stress and building employee commitment to reduce turnover rates
Analysis of the Role of Financial Technology in Facilitating Access to Capital for MSMEs: A Case Study of Madiun City
Get PDFThis study aims to analyze the role of financial technology (fintech) in facilitating access to capital for Micro, Small, and Medium Enterprises (MSMEs) in Madiun City. The method used is a qualitative descriptive approach based on literature review and the latest secondary data from the Financial Services Authority (OJK), Bank Indonesia, and academic publications from the period 2023–2025. The results of the study indicate that fintech mechanisms, particularly peer-to-peer (P2P) lending, can improve MSME access to capital through fast fund disbursement processes, simple administrative requirements, and minimal physical collateral. In 2024, fintech lending to MSMEs in Madiun City reached Rp132 billion, a significant increase compared to the previous year. Nationally, outstanding P2P lending reached Rp80.07 trillion as of February 2025, with a significant contribution to the productive sector. However, low digital financial literacy, data security issues, and the prevalence of illegal lending remain major challenges. This study recommends structured improvements in digital financial literacy, strengthened adaptive oversight by the OJK, and multi-stakeholder collaboration between the government, fintech providers, and universities to build an inclusive and sustainable digital financial ecosystem for MSMEs
The Effect of Profitability, Capital Structure, Company Size, Dividend Policy on Firm Value: A Comparative Study on the Consumer Cyclical and Non-Cyclical on the IDX
Get PDFIndonesian companies often face low firm value, driven by profitability, capital structure, firm size, and dividend policy, with sectoral differences shaping market responses. This study aims to analyze the effect of profitability (ROA), capital structure (DER), firm size (FS), and dividend policy (DPR) on firm value (Tobin’s Q) in consumer cyclical and non-cyclical companies listed on the Indonesia Stock Exchange in 2024. The research employs a quantitative approach using multiple linear regression analysis with purposive sampling techniques. The results show that profitability has a positive and significant effect on firm value in both sectors. Capital structure exerts a significant negative effect in the cyclical sector but a significant positive effect in the non-cyclical sector. Firm size consistently has a significant negative impact on firm value in both sectors. Meanwhile, dividend policy does not have a significant effect on firm value. These findings highlight the importance of sectoral characteristics in assessing firm value and suggest that investors in Indonesia’s capital market place greater emphasis on profitability and capital structure considerations rather than dividend distribution
Analysis of Poverty Determinant Factors Based on Indonesian Province Data 2017-2023
Get PDFThis study aims to identify factors contributing to poverty in Indonesia and map the distribution of poverty levels. The data used in this study are secondary data sourced from the Central Statistics Agency (BPS). This is panel data, a combination of time-series and cross-sectional data covering 34 provinces in Indonesia for 2017-2023, with multiple linear regression and selection of the best regression model using the Chow test and the Hausman test. The independent variables used are Education, GRDP, TPT, and the Human Development Index. The results show that Education, with the number of schools (Primary Schools, Junior High Schools, and Senior High Schools), has a significant positive effect; GRDP has a significant negative effect; TPT has a significant negative effect; and the Human Development Index has a significant negative effect. Mapping the distribution of poverty levels with the GeoMaps feature in the Orange Data Mining application is a visualization technique used to understand the distribution of poverty in various regions geographically. The purpose of utilizing Orange is to provide a platform for predictive models and recommendation systems
The Effect of Credit Risk, Liquidity, and Capital Structure on the Financial Performance of Conventional Banks with Profitability as a Control Variable
Get PDFThis study analyzes the effect of credit risk, liquidity, and capital structure on the financial performance of conventional banks, with profitability as a control variable. The research employs a quantitative method using panel data from conventional banks listed on the Indonesia Stock Exchange during the 2021–2024 period. The variables examined include NPL, LDR, CAR, ROE, and ROA, with testing conducted through panel data regression. The results show that credit risk has a significant positive effect, liquidity has a positive but insignificant effect, while capital structure demonstrates a negative and insignificant effect. Profitability is found to have a significant positive effect. Simultaneously, the research variables explain 74.64% of the variation in financial performance, with the remaining portion influenced by other factors. These findings emphasize that credit risk management and profitability play a crucial role in strengthening banks’ financial performance. Therefore, management should focus on risk control and profitability maintenance to enhance competitiveness and investor confidence
Determinants of Value Perception on Purchase Decisions for Laboratory Instrumentation Products in the COVID-19 Pandemic Era
Get PDFThe purpose of this study is to determine the influence of digital communication and after-sales service on purchasing decisions, with perceived value as an intervening variable. The data in this study were obtained from 166 respondents who use moisture analyzer instruments, with the respondents coming from Quality Control, Quality Assurance, and Research and Development departments. Data analysis in this study used SPSS 26.0. The results of the study indicate that digital communication and after-sales service significantly influence perceived value. However, neither has a direct impact on purchase decisions. Perceived value does not mediate the influence of digital communication, but it does mediate the influence of after-sales service on purchase decisions. After-sales service plays a crucial role in improving purchasing decisions thru value perception in the B2B sector, especially during the pandemic. This research can provide practical input for the development of marketing strategies in the laboratory instrument industry in Indonesia
The Influence of Financial Management, Risk Perception, and Perceived Investment Return on Stock Investment Decisions among Investors in Pontianak
Get PDFThis study investigates whether financial management, risk perception, and perceived investment return affect stock investment decisions among 150 individual investors in Pontianak City. Data were collected via structured questionnaires and analyzed using multiple linear regression after passing validity, reliability, and classical assumption tests. The model produced Y = 1.015 + 0.115X1 + 0.221X2 + 0.386X3 with a strong correlation (R = 0.712) and a determination level of R² = 0.507, indicating that 50.7% of the variance in investment decisions is explained by the three predictors. The F-test (p < 0.001) shows a joint significant effect. Partially, all variables have positive and significant effects: financial management (t=2.162; p=0.032), risk perception (t=3.192; p=0.002), and perceived return (t=6.515; p<0.001), with perceived return as the dominant predictor. The findings imply that rational stock decisions are shaped not only by expected profit but also by investors’ capability to manage personal finances and assess risk. Practical recommendations include strengthening financial literacy, emphasizing risk-return trade-off education, and encouraging disciplined portfolio management.
 
The Influence of Financial Knowledge, Financial Attitude, and Financial Inclusion on Financial Management Behavior Among F&B MSME Actors in Pontianak
Get PDFThis study aims to analyze the influence of financial knowledge, financial attitude, and financial inclusion on financial management behavior among F&B MSME actors in Pontianak City. The research employs a quantitative associative method involving 150 respondents, with data analyzed using multiple linear regression in SPSS 25. The results show that the model is significant (F = 341.453; Sig. 0.000) with a strong relationship (R = 0.936) and high explanatory power (R² = 0.875). Partially, financial knowledge (t = 7.365; Sig. 0.000) and financial inclusion (t = 4.413; Sig. 0.000) have a positive and significant effect on financial management behavior, while financial attitude has no significant effect (t = 0.447; Sig. 0.642). In conclusion, enhancing financial literacy and access to financial services can improve the financial behavior of MSME owners. Future research is recommended to include additional variables such as self-control or social norms, expand the study to other sectors or regions, and adopt a longitudinal design to capture behavioral dynamics over time
The Effect of Work-Life Balance, Employee Engagement, and Organizational Commitment on Employee Performance with Job Satisfaction as an Intervening Variable at PT PLN UP3 West Surabaya
Get PDFThe post-pandemic work environment in high-demand sectors like public utilities has intensified the focus on employee psychological well-being as a key performance driver. This study investigates the complex interplay between Work-Life Balance (WLB), Employee Engagement, and Organizational Commitment on Employee Performance, with Job Satisfaction as an intervening variable, at PT PLN UP3 West Surabaya. Using a quantitative approach, data were collected through a census of all 85 permanent employees and analyzed with Partial Least Squares Structural Equation Modeling (PLS-SEM). The results confirm that WLB, Employee Engagement, and Organizational Commitment have a significant positive direct effect on both Job Satisfaction and Employee Performance. Furthermore, Job Satisfaction significantly mediates these relationships partially. The study concludes that cultivating these psychological factors is crucial for enhancing performance, offering a validated holistic model grounded in Positive Psychology Theory (PERMA) that provides actionable insights for human resource management in the utility secto