The Influence of Competence, Motivation, and Job Satisfaction on Employee Performance at Kopdit Swasti Sari, Kefamenanu Branch

Abstract

This study aims to analyze the influence of competence, motivation, and job satisfaction on the performance of employees at the Swasti Sari Credit Union (Kopdit), Kefamenanu Branch, examining these factors both partially and simultaneously. This research employed a quantitative approach using a survey method. The population, which also served as the sample, comprised all 30 employees of the Swasti Sari Credit Union, Kefamenanu Branch (census sampling). Primary data were collected via a questionnaire and analyzed using multiple linear regression to test the hypotheses. The analysis reveals that, partially, competence (t = 5.930; p < 0.05), motivation (t = 2.294; p < 0.05), and job satisfaction (t = 3.105; p < 0.05) each have a significant positive effect on employee performance. Simultaneously, all three independent variables collectively exert a significant influence on employee performance (F = 14.582; p < 0.05). These findings provide a strategic framework for the credit union's management to design holistic human resource development programs. Performance enhancement cannot be achieved through a single aspect but rather through the synergy of improving technical skills (competence), strengthening work drive (motivation), and maintaining a positive work environment (job satisfaction). This study offers empirical evidence on an HRM performance model within the context of a regional microfinance institution—a sector crucial to the local economy yet often underrepresented in management literature. The research affirms that an integrated approach to human resource management is key to the operational success of a credit union.