Penelitian ini bertujuan untuk menganalisis pengaruh job insecurity, work-life balance, dan salary satisfaction terhadap turnover intention karyawan pada perusahaan agency, dengan studi kasus di PT Zuriel Boniarga Uli Bandung. Tingginya turnover intention menjadi isu penting dalam industri jasa, khususnya di sektor agency penagihan kartu kredit yang identik dengan tekanan kerja tinggi dan sistem target yang ketat. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei. Populasi penelitian adalah seluruh karyawan PT Zuriel Boniarga Uli Bandung, dengan sampel sebanyak 84 responden yang ditentukan melalui teknik purposive sampling. Instrumen penelitian berupa kuesioner dengan skala likert, sedangkan analisis data dilakukan dengan regresi linier berganda. Hasil penelitian menunjukkan bahwa job insecurity berpengaruh positif dan signifikan terhadap turnover intention. Hal ini berarti semakin tinggi ketidakamanan kerja yang dirasakan karyawan, maka semakin besar pula kecenderungan mereka untuk meninggalkan perusahaan. Sebaliknya, work-life balance dan salary satisfaction berpengaruh negatif dan signifikan terhadap turnover intention. Artinya, semakin baik keseimbangan antara kehidupan kerja dan pribadi, serta semakin tinggi kepuasan karyawan terhadap gaji, maka semakin rendah kecenderungan mereka untuk keluar dari perusahaan. Temuan ini memberikan implikasi penting bagi manajemen perusahaan agency untuk memperhatikan faktor psikologis dan kesejahteraan karyawan. Perusahaan perlu meningkatkan transparansi kontrak kerja, memberikan kepastian karier, menciptakan lingkungan kerja yang stabil, serta memastikan sistem kompensasi yang adil dan sesuai dengan beban kerja. Selain itu, manajemen juga harus mendukung terciptanya keseimbangan antara tuntutan pekerjaan dengan kehidupan pribadi karyawan. Upaya ini diharapkan mampu menurunkan turnover intention dan mendukung keberlanjutan perusahaan dalam persaingan industri jasa yang kompetitif.
Kata Kunci: Job Insecurity, Work-Life Balance, Salary Satisfaction, Turnover Intention, Manajemen Sumber Daya Manusia

This study aimed to analyze the influence of job insecurity, work-life balance, and salary satisfaction on employee turnover intention in an agency company, with a case study at PT Zuriel Boniarga Uli Bandung. The high turnover intention had become an important issue in the service industry, particularly in the credit card collection agency sector, which was characterized by high work pressure and strict target systems. This research adopted a quantitative approach with a survey method. The population of the study consisted of all employees of PT Zuriel Boniarga Uli Bandung, with a sample of 84 respondents determined through purposive sampling. The research instrument was a questionnaire using a Likert scale, while the data were analyzed through multiple linear regression. The findings indicated that job insecurity had a positive and significant effect on turnover intention. This meant that the higher the job insecurity perceived by employees, the greater their tendency to leave the company. Conversely, work-life balance and salary satisfaction had a negative and significant effect on turnover intention. This implied that the better the balance between work and personal life, as well as the higher the level of satisfaction with salary, the lower the employees’ tendency to leave the company. These findings provided important implications for agency management to pay closer attention to psychological factors and employee well-being. The company needed to improve contract transparency, provide clearer career certainty, create a more stable work environment, and ensure a fair compensation system aligned with workload. In addition, management also had to support the creation of balance between job demands and employees’ personal lives. Such efforts were expected to reduce turnover intention and support the company’s sustainability in the competitive service industry.
Keywords: Job Insecurity, Work-Life Balance, Salary Satisfaction, Turnover Intention, Human Resource Management