Tractare: Jurnal Ekonomi-Manajemen

The Impact Of Transaction Security, Ease Of Use, And Service Quality Of Mobile Banking On Customer Satisfaction At Bank NTB Syariah

2026-05-18T13:29:49+00:00

This study aims to identify and test the influence of transaction security, ease of use, and service quality of mobile banking (m-banking) on customer satisfaction at Bank NTB Syariah. The study employs a quantitative causal-associative approach with a sample of 170 active m-banking users selected using simple random sampling and purposive sampling techniques. Data were collected via a 1–5 Likert scale questionnaire and analyzed using multiple linear regression with SPSS. The results of the study indicate that: (1) transaction security does not have a significant effect on customer satisfaction; (2) ease of use has a significant negative effect; (3) service quality has a significant positive effect and is the most dominant factor; (4) all three variables simultaneously have a significant effect on customer satisfaction. These findings indicate that Bank NTB Syariah customers with high digital literacy consider security to be a basic factor that is already met, while excessive ease of use is perceived as reducing functionality. Efforts to improve customer satisfaction should focus on enhancing service quality, which includes efficiency, system availability, privacy, and security.

The Effect Of Work Discipline, Work Environment And Work Motivation On Employee Productivity At PT VME PROCESS In Batam

2026-05-26T03:12:19+00:00

This study aims to determine the effect of work discipline, work environment, and work motivation both partially and simultaneously on employee productivity at PT VME PROCESS in Batam City. This research was conducted using a quantitative research method with a sample size of 60 respondents and data collection using questionnaires. The results of the partial test (t) found that the calculated t value for work discipline was (-0.230) < t table 2.000 with a significance level of (0.819) > α (0.05), indicating that work discipline does not have a positive and significant effect on work productivity. Then, the calculated t value for work environment was 5.406 > t table 2.000 with a significance level of (0.000) < α (0.05), showing that the work environment has a positive and significant effect on work productivity. After that, the calculated t value for work motivation was 1.901 < t table 2.000 with a significance level of (0.062) > α (0.05), meaning that work motivation does not have a positive and significant effect on work productivity. From the simultaneous test (f), it is known that the f calculated value for work discipline, work environment, and work motivation is 25.958 > f table 2.18, with a significance level of 0.000 < 0.05. This shows that the variables of work discipline, work environment, and work motivation simultaneously have a positive and significant effect on employee work productivity at PT VME PROCESS in Batam City.

The Role Of Employee Resilience In Moderating The Influence Of Work Motivation And Work Discipline On Work Productivity At PT Natural Foods Sukses Makmur

2026-05-26T03:13:57+00:00

The objective of this study is to determine the role of employee resilience in moderating the influence of work motivation and work discipline on employee productivity at PT Natural Foods Sukses Makmur. This study uses a descriptive quantitative method with quantitative data obtained from primary data through questionnaires and secondary data from relevant literature. The population in this study consists of all employees of PT Natural Foods Sukses Makmur, totaling 30 employees, so a saturated sampling technique is used with a total sample of 30 respondents. The results show that work motivation and work discipline have a positive effect on employee productivity, both partially and simultaneously. In addition, employee resilience is proven to strengthen the influence of work motivation on productivity, but it is not able to moderate the influence of work discipline on productivity.

The Influence of E-Wallets and Hedonism in Mediating the Relationship Between Lifestyle and Impulsive Consumption Behavior Among Gen Z Students

2026-05-26T03:16:03+00:00

This study aims to analyze the influence of lifestyle on impulsive consumer behavior, with e-wallets and hedonism as mediating variables, among Generation Z college students in Bengkulu City. The study population consists of active students from four universities: Dehasen University (UNIVED), Bengkulu University (UNIB), Muhammadiyah Bengkulu University (UMB), and Prof. Dr. Hazairin University (UNIHAZ). A sample of 84 respondents was selected using purposive sampling, with the criterion being active students who have used e-wallets for at least the past three months. Data analysis was conducted using Partial Least Squares (PLS) with the assistance of SmartPLS. The results of the study indicate that lifestyle has a positive and significant effect on e-wallet usage, with a path coefficient of 0.625 and a t-statistic of 9.949 > 1.96, and a positive and significant effect on hedonism, with a path coefficient of 0.554 and a t-statistic of 8.397 > 1.96. However, lifestyle does not have a significant direct effect on impulsive consumption behavior, with a path coefficient of 0.066 and a t-statistic of 0.822 < 1.96. Meanwhile, e-wallets have a positive and significant effect on impulsive consumption behavior with a path coefficient of 0.562 and a t-statistic of 3.793 > 1.96, and hedonism also has a positive and significant effect on impulsive consumption behavior with a path coefficient of 0.313 and a t-statistic of 2.378 > 1.96. The mediation test results indicate that e-wallets and hedonism fully mediate the relationship between lifestyle and impulsive consumption behavior, with Sobel test t-statistic values of 3.577 and 2.163, respectively, both greater than 1.96. The coefficient of determination (R²) for the impulsive consumption behavior variable is 0.744, meaning that 74.4% of the variation in impulsive consumption behavior can be explained by lifestyle and hedonism, while the remaining 25.6% is explained by other factors outside the model. These findings indicate that Gen Z students’ lifestyles do not directly trigger impulsive consumption behavior, but rather through increased intensity of e-wallet usage and levels of hedonism. The implications of this research emphasize the importance of digital financial literacy as well as self-control when transacting using e-wallets.

The Effect of Work Motivation, Work Discipline and Supervision on Employee Performance at PT Cahaya Marine Indonesia in Batam

2026-06-04T07:38:51+00:00

supervision, both partially and simultaneously, on the performance of employees at PT Cahaya Marine Indonesia in Batam City. The research was conducted using a quantitative method with a total population of 90 respondents. The sampling technique employed was the saturated sampling method, in which the entire population was used as the sample. Data were collected through questionnaires distributed via Google Forms. Data analysis was carried out using SPSS version 26. The results of the study indicate that the work motivation variable has a t-value of 0.194 < t-table value of 1.662 with a significance level of 0.846 > 0.05, thus H₀ is accepted and Hₐ is rejected. The work discipline variable has a t-value of 2.131 > t-table value of 1.662 with a significance level of 0.036 < 0.05, indicating that H₀ is rejected and Hₐ is accepted. The supervision variable has a t-value of 4.140 > t-table value of 1.662 with a significance level of 0.000 < 0.05, meaning that H₀ is rejected and Hₐ is accepted. Furthermore, the three variables—work motivation, work discipline, and supervision—simultaneously have an F-value of 29.967 > F-table value of 2.71 and a significance level of 0.000 < 0.05. This indicates that work motivation, work discipline, and supervision together have a positive and significant effect on employee performance at PT Cahaya Marine Indonesia in Batam City.

The Influence of Lifestyle and Saving Habits on Students' Personal Financial Management in Bengkulu

2026-06-08T06:09:21+00:00

This study aims to analyze the influence of lifestyle and saving habits on the personal financial management of university students in Bengkulu City. A consumptive lifestyle may affect students' spending patterns, while saving habits can encourage more planned and responsible financial behavior. This research employed a quantitative method with an explanatory research approach. The population consisted of active students from the Faculty of Economics and Business at Dehasen University Bengkulu, Bengkulu University, and Muhammadiyah University of Bengkulu. The sample was selected using stratified random sampling. Data were collected through questionnaires and analyzed using multiple linear regression with the assistance of SPSS software. Instrument testing was conducted through validity and reliability tests, while hypothesis testing was carried out using t-tests, F-tests, and the coefficient of determination. The results indicate that lifestyle and saving habits influence students' personal financial management. Simultaneously, both variables contribute to explaining variations in students' personal financial management in Bengkulu City. These findings highlight the importance of developing a more prudent lifestyle and strengthening saving habits to improve students' financial management capabilities.