The Influence of Competence, Motivation, and Work Environment on Employee Performance in Financial Services

Authors

  • Rosita Rosita Universitas Prima Indonesia, Indonesia
  • Anton Anton Institut Bisnis Informasi Teknologi dan Bisnis, Indonesia
  • Dennis Widjaja Institut Bisnis Informasi Teknologi dan Bisnis, Indonesia

DOI:

https://doi.org/10.56127/jukim.v5i04.2952

Keywords:

Competence; Employee Performance; Financial Services; Work Environment; Work Motivation.

Abstract

This study examines the effects of competence, work motivation, and work environment on employee performance in financial service companies in Yogyakarta. A quantitative approach with a descriptive and verification survey design was employed. The study population consisted of 145 permanent employees, from whom 100 respondents were selected using simple random sampling. Data were collected through a questionnaire using a five-point Likert scale and analyzed with IBM SPSS Statistics Version 26. The analytical procedures included validity and reliability testing, classical assumption testing, multiple linear regression, partial t-tests, simultaneous F-tests, and the coefficient of determination. The results demonstrate that competence has a positive and significant effect on employee performance. Work motivation and work environment also positively and significantly influence employee performance. Simultaneously, the three independent variables significantly affect employee performance, explaining 72.6% of its variation, while the remaining 27.4% is associated with factors outside the research model. Competence is identified as the most dominant predictor of employee performance. These findings indicate that employee performance can be improved through integrated human resource policies that strengthen professional competence, enhance work motivation, and create a safe, supportive, and conducive work environment. This study provides practical evidence for financial service company management in designing employee development, reward, and workplace improvement programs.

References

Demir, A., Budur, T., Omer, H. M., & Heshmati, A. (2022). Elaborating on the links between declarative knowledge, procedural knowledge, and employee performance. SN Business & Economics, 2(11), 166. https://doi.org/10.1007/s43546-022-00402-3

Diamantidis, A. D., & Chatzoglou, P. (2019). Factors affecting employee performance: An empirical approach. International Journal of Productivity and Performance Management, 68(1), 171–193. https://doi.org/10.1108/IJPPM-01-2018-0012

Elamalki, D., Kaddar, A., & Beniich, N. (2024). Impact of motivation on job performance in the public sector: The mediating role of work motivation. Future Business Journal, 10(1), 34.

Engidaw, A. E. (2021). The effect of motivation on employee engagement in public sectors: In the case of North Wollo Zone. Journal of Innovation and Entrepreneurship, 10(1), 43. https://doi.org/10.1186/s13731-021-00185-1

Hasibuan, M. S. P. (2020). Human resource management (Revised ed.). Bumi Aksara.

Hidayat, A., & Lestari, S. (2021). Pengaruh lingkungan kerja terhadap produktivitas karyawan. Jurnal Manajemen dan Bisnis, 14(2), 89–102.

Mangkunegara, A. A. A. P. (2022). Manajemen sumber daya manusia perusahaan. PT Remaja Rosdakarya.

Martini, I. A. O., Gorda, A. A. N. E. S., Gorda, A. A. N. O. S., Sari, D. M. F. P., & Antara, M. E. Y. (2024). Impact of competence development on work creativity, employee performance, and competitiveness of woven products. Cogent Business & Management, 11(1), 2353136. https://doi.org/10.1080/23311975.2024.2353136

Martini, I. A. O., Supriyadinata, A. A. N. E., Sutrisni, K. E., & Sarmawa, I. W. G. (2020). The dimensions of competency on worker performance mediated by work commitment. Cogent Business & Management, 7(1), 1794677. https://doi.org/10.1080/23311975.2020.1794677

Prasetyo, B., Widodo, S., & Nugroho, A. (2020). Pengaruh kompetensi terhadap kinerja karyawan pada perusahaan jasa. Jurnal Ilmu Administrasi, 17(1), 45–57.

Rivai, V. (2021). Manajemen sumber daya manusia untuk perusahaan: Dari teori ke praktik (3rd ed.). Rajawali Pers.

Sedarmayanti. (2019). Manajemen sumber daya manusia: Reformasi birokrasi dan manajemen pegawai negeri sipil (Revised ed.). Refika Aditama.

Tudu, B., & Pathak, P. (2023). Conceptualizing the moderating effects between work-from-home and individual performance. Current Psychology, 42(26), 22615–22631. https://doi.org/10.1007/s12144-022-03950-x

Wibowo. (2022). Manajemen kinerja (6th ed.). PT RajaGrafindo Persada.

Yukl, G. (2020). Leadership in organizations (9th ed.). Pearson Education.

Downloads

Published

2026-07-27

How to Cite

Rosita, R., Anton, A., & Widjaja, D. (2026). The Influence of Competence, Motivation, and Work Environment on Employee Performance in Financial Services. Jurnal Ilmiah Multidisiplin, 5(04), 78–85. https://doi.org/10.56127/jukim.v5i04.2952

Citation Check

Similar Articles

1 2 3 4 5 6 7 8 > >> 

You may also start an advanced similarity search for this article.