Analisis Faktor yang Mempengaruhi Penggunaan Jamsostek Mobile (JMO) Dalam Layanan Klaim Jaminan Hari Tua (JHT) di Wilayah DKI Jakarta
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Layanan digitalisasi pada sektor perlindungan sosial menjadi semakin krusial seiring dengan peningkatkan kebutuhan efisiensi transaksi, salah satunya melalui aplikasi Jamsostek Mobile (JMO) yang dikembangkan oleh BPJS Ketenagakerjaan. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhi penggunaan aplikasi JMO dalam proses pengajuan klaim Jaminan Hari Tua (JHT) oleh peserta di wilayah DKI Jakarta. Penelitian ini menggunakan pendekatan kuantitatif dengan metode pengumpulan data melalui survei berbasis kuesioner. Sampel penelitian terdiri dari peserta BPJS Ketenagakerjaan di DKI Jakarta yang pernah atau sedang menggunakan aplikasi JMO untuk klaim JHT. Kerangka teori yang digunakan mengadaptasi model penerimaan teknologi seperti Technology Acceptance Model (TAM) atau Unified Theory of Acceptance and Use of Technology (UTAUT) dengan menguji variabel ekspektasi kinerja, kemudahan penggunaan, pengaruh sosial, kondisi fasilitas, serta tingkat kepercayaan masyarakat. Hasil analisis diharapkan dapat memetakan faktor dominan yang mendorong maupun menghambat adopsi aplikasi JMO. Temuan dari penelitian ini dapat memberikan implikasi praktis bagi BPJS Ketenagakerjaan dalam mengoptimalkan performa aplikasi, memperluas cakupan edukasi publik, serta meningkatkan kualitas layanan digital klaim JHT secara berkelanjutan.
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