Abstract:This study aims to describe the following variables: (1) digital technology adoption, (2) business resilience, (3) women’s empowerment, and (4) financial literacy, and to analyze the effect of digital technology adoption…
on on business resilience mediated by women’s empowerment and moderated by financial literacy. The research employed a quantitative explanatory design with structural model analysis using Partial Least Squares Structural Equation Modeling (PLS-SEM). Data were collected through an online questionnaire (Google Form). The population consisted of 1,556 women entrepreneurs who own Micro and Small Industry (MSI) units in the food subsector, with 359 respondents selected using proportionate allocation sampling and located in Tasikmalaya, Sukabumi, Bogor, and Bandung. The findings indicate that the level of digital technology adoption among women entrepreneurs is in the very high category, while business resilience, women’s empowerment, and financial literacy are in the high category with potential for further improvement. Digital technology adoption has a positive effect on business resilience and women’s empowerment, implying that higher levels of technology adoption are associated with stronger business resilience and greater women’s empowerment. Women’s empowerment also positively affects business resilience and mediates the relationship between digital technology adoption and business resilience. In addition, higher financial literacy strengthens the effect of digital technology adoption on business resilience, thus functioning as an enhancing moderator in this relationship. The results imply that strengthening business resilience among women entrepreneurs can be achieved by enhancing digital technology–based resources and strategies, integrated with women’s empowerment as a mediating mechanism and financial literacy as a moderating capability for the strategic use of digital technology. Practically, the findings underscore the importance of advanced training programs and an integrated digital ecosystem to reinforce digital technology adoption, women’s empowerment, and financial literacy, while simultaneously building a collaborative ecosystem and continuous interventions focused on sustainable business resilience.
Abstract:The present study is a statistical hypothesis testing research aimed at examining the determinants of auditor turnover intention, specifically the influence of work motivation, workload, and time budget pressure as independent…
endent variables, with job satisfaction acting as a moderating variable. The research was conducted among auditors working at Public Accounting Firms in East Java. The population of the study consisted of junior and senior auditors employed at medium- and large-scale firms operating in the region. Data were collected using a survey method through primary questionnaires and analyzed using SmartPLS 3.0 to test the structural relationships between variables. The findings of this study indicate that work motivation negatively influences turnover intention, whereas workload and time budget pressure positively influence turnover intention. The results also show that job satisfaction moderates the relationship between work motivation and turnover intention, strengthening its negative effect. However, job satisfaction does not significantly moderate the influence of workload or time budget pressure on turnover intention. Overall, the study highlights the crucial role of job satisfaction in reducing the tendency of auditors to leave their organization, especially in environments with varying levels of motivation, workload, and time pressure.
Abstract:This study explores work-life balance among female government employees across generations, with a focus on gender-related challenges. Women are hypothesised to face imbalances due to dual roles at work and home. Using a…
phenomenological approach and descriptive quantitative analysis, the study finds that Indonesian women across generations generally experience moderate work-life balance. Notably, Baby Boomers (60–78 years) and Generation Z (12–27 years) report higher balance, while Generation X (44–59 years) and Millennials (28–43 years) face lower balance due to simultaneous career and family responsibilities. The study offers generationally tailored suggestions, although results may not generalise to women in sectors like banking or private industry. Implications include the need for organisations to act as facilitators, supporting female employees to ensure psychological well-being and sustained performance.
Abstract:This study aims to analyze the impact of mobile banking service quality on customer relationship quality in Indonesian Islamic banks, with a focus on the moderating role of gender. With the rapid growth of digital technology,…
logy, mobile banking has become a crucial factor influencing customer experience, particularly within the context of Islamic banking, which operates on Islamic principles. This research investigates how the quality of mobile banking services (such as ease of access, security, and transaction convenience) affects customer relationship quality (including trust, satisfaction, and loyalty). Additionally, it explores whether gender moderates the relationship between mobile banking service quality and customer relationship quality. Data were collected through surveys from customers of Indonesian Islamic banks, and the analysis was conducted using Structural Equation Modeling (SEM). The findings are expected to provide insights into the design of mobile banking services that are responsive to gender-specific needs and offer recommendations for Islamic banks to strengthen customer relationships through more inclusive digital innovations.
Abstract:This study examines the impact of Microfinance Institutions' (MFIs) performance on economic growth in Cambodia, using annual panel data from 62 MFIs for the period 2017–2023. Employing advanced econometric techniques, the…
the findings reveal nuanced relationships between key indicators of MFI performance and GDP growth. Notably, Non-Performing Loans (NPLs) show an unexpected positive relationship with GDP growth, highlighting the Cambodian microfinance sector's resilience in mitigating adverse effects through sustained economic activity. Inflation is also positively associated with GDP growth, suggesting that moderate inflation can drive economic expansion, though careful management is necessary to avoid destabilization. Conversely, the study finds a negative relationship between the number of MFIs and GDP growth, indicating potential inefficiencies from sector oversaturation. Lastly, a positive link between Return on Equity (ROE) and GDP growth underscores the importance of profitability in ensuring financial stability and economic development. The findings emphasize the need for policy measures to manage sector growth, maintain moderate inflation, and enhance MFI profitability for sustainable economic progress in Cambodia.
Keywords: Microfinance Institutions (MFIs); Cambodia; Economic Growth.
Abstract:This study intends to investigate the impact of social capital, social institutions, and local potential on the success of KUBE start-ups, as regulated by an entrepreneurial mindset. This study's population consists of VCO…
CO business players who belong to joint business organizations. The sample consisted of 200 respondents chosen using the approach of purposive sampling. The data utilized are both original data collected from respondents via questionnaires and secondary data. This study uses Structural Equation Modeling (SEM) with the SmartPLS application to handle data. According to the findings of this study, Social Capital and Social Institutions have little effect on the success of KUBE Start Up. Meanwhile, Local Potential and Entrepreneurial Spirit have a substantial beneficial impact on KUBE Start Up's success. Entrepreneur Spirit does not mitigate the influence of Social Capital, Social Institutions, and Local Potential on KUBE Startup's success.
Abstract:The purpose of this study is to analyze the influence of work-life balance on employee performance The purpose of this study is to analyze the influence of work-life balance on employee performance with motivation as a moderator.…
a moderator. The study aims to determine and analyze whether motivation plays a role in improving employee performance across all districts in the island of Sebatik, as well as to determine and analyze whether motivation moderates the relationship between work-life balance and employee performance in all districts in the island of Sebatik. The research method used in this study is quantitative research. The population in this study consists of all Civil Servants in all districts on the island of Sebatik, totaling 110 employees. The sampling method used is census technique, which includes all 110 elements being investigated. Therefore, it analyzes all objects, all indicators, all events, and incidents. The data used in this study is primary data, collected through the distribution of questionnaires. The data analysis technique used in this study is quantitative data analysis using statistical methods. The statistical method used is Partial Least Square (PLS). The research findings indicate that there is a significant positive influence of motivation on improving employee performance across all districts in the island of Sebatik. However, motivation does not moderate the relationship between work-life balance and employee performance in all districts on the island of Sebatik. Therefore, motivation is not a moderating variable in this study. This means that motivation cannot strengthen or weaken the relationship between work-life balance and employee performance.
Abstract:Perkembangan pesat teknologi Artificial Intelligence (AI) telah mengubah lanskap pendidikan tinggi secara signifikan, terutama dengan hadirnya tutor virtual berbasis AI yang mampu memberikan umpan balik cepat, tepat, dan…
personal. Analisis Real merupakan salah satu mata kuliah yang paling menantang dalam program pendidikan matematika karena sifat abstraknya sering menyebabkan rendahnya self-efficacy mahasiswa. Penelitian ini bertujuan menganalisis pengaruh pemanfaatan AI sebagai tutor virtual terhadap self-efficacy mahasiswa Pendidikan Matematika Universitas Asahan yang menempuh mata kuliah Analisis Real. Penelitian menggunakan pendekatan kuantitatif dengan desain quasi-experimental one-group pretest-posttest, melibatkan 15 mahasiswa yang dipilih melalui purposive sampling. Instrumen angket self-efficacy dikembangkan berdasarkan tiga dimensi Bandura (magnitude, strength, generality), divalidasi melalui expert judgment dengan Cronbach’s Alpha sebesar 0,84. Hasil analisis deskriptif menunjukkan peningkatan rata-rata skor self-efficacy dari 65,67 (pre-test, kategori sedang) menjadi 79,93 (post-test, kategori tinggi), dengan peningkatan sebesar 21,7%. Uji Wilcoxon Signed-Rank Test menghasilkan nilai Z = −3,408 dengan p-value = 0,001 (p < 0,05), yang mengkonfirmasi terdapat perbedaan signifikan self-efficacy mahasiswa sebelum dan sesudah intervensi enam minggu menggunakan AI tutor virtual.
The rapid development of Artificial Intelligence (AI) technology has significantly transformed higher education, particularly through AI-based virtual tutors capable of providing fast, precise, and personalized feedback. Real Analysis, one of the most challenging mathematics education courses, frequently causes low self-efficacy among students due to its abstract nature and demands for formal proof-writing. This study examines the effect of utilizing AI as a virtual tutor on self-efficacy of mathematics education students at Universitas Asahan. A quantitative quasi-experimental one-group pretest-posttest design was employed with 15 students selected via purposive sampling. The self-efficacy questionnaire was based on Bandura’s three dimensions: magnitude, strength, and generality, validated by expert judgment with Cronbach’s Alpha coefficient of 0.84. Descriptive analysis results showed an increase in mean self-efficacy scores from 65.67 (pre-test, moderate category) to 79.93 (post-test, high category), representing a 21.7% improvement. The Wilcoxon Signed-Rank Test yielded Z = −3.408 with p-value = 0.001 (p < 0.05), confirming a significant difference in student self-efficacy before and after the six-week AI virtual tutor intervention.
Abstract:This research is a quasi-experimental study conducted to improve students' mathematical problem-solving abilities, one of which is through the use of the Self-Directed Learning (SDL) instructional model. The objectives of…
f this study are to determine (a) the learning process using the Self-Directed Learning model; (b) the difference in improvement of students' mathematical problem-solving abilities between those using the Self-Directed Learning model and those receiving conventional (expository) instruction; and (c) students' attitudes toward mathematics learning using the Self-Directed Learning model. Data were collected using research instruments including tests in the form of mathematical problem-solving ability questions and non-tests such as student response questionnaires toward learning using the Self-Directed Learning model. This study was conducted at MAN 1 Gorontalo, with class X IPA-1 as the experimental class and class X IPA-2 as the control class, focusing on vector material. Based on the research results and n-gain data analysis, it was found that: (a) the description of the teacher and student learning process on quadrilateral vector material using the Self-Directed Learning model falls into the good category; (b) the improvement in mathematical problem-solving ability of students who received learning with the Self-Directed Learning model showed a moderate increase. Meanwhile, the improvement in mathematical problem-solving ability of students who received conventional learning showed a low increase. Therefore, there is a difference in the improvement of mathematical problem-solving ability between students using the Self-Directed Learning model and those using conventional learning; (c) most students who received learning using the Self-Directed Learning model responded positively to mathematics learning using this model.
Abstract:The agriculture sector plays a strategic role in the national economy and is highly dependent on fertilizer availability on support crop productivity. This study aimed to analyze the effectivenss of subsidized fertilizer…
er distribution and its impact on rice productivity in the tidal lowland areas of Tanjung Lago District, Banyuasin Regency. The research employed both quantitative and qualitative descriptive approaches using a stratified random sampling method involving 60 farmers who received subsidized fertilizer and 30 farmers who did not reveive subsidizer fertilizer. The effectiveness of subsidizer fertilizer distribution was evaluated using a likert scale based on the Six Appropriateness Principles, while the impct on rice productivity was analyzed by comparing the productivity levels of the two farmer groups. The findings showed that the distribution of subsidized fertilizer was generally categorized as moderately effective, with an average effectiveness score of 71,33%. The price compliance indicator was classified as highly effective (91,66%), while location suitability was categorized as effective (81,00%). Meanwhile, quantity appropriateness, fertilizer type suitability, and timeliness of distribution were categorized as moderately effective. The findings showed that the distribution of subsidized fertilizer was generally categorized as moderately effective, with an average effectiveness score of 71.33%. The price compliance indicator was classified as highly effective (91.66%), while location suitability was categorized as effective (81.00%). Meanwhile, quantity appropriateness, fertilizer type suitability, and timeliness of distribution were categorized as moderately effective. In contrast, the fertilizer quality suitability indicator was still considered ineffective, with an effectiveness score of 55%. The use or subsidized fertilizer also contributed positively to rice productivity. Farmers receiving subsidized fertilizer achieved an average rice productivity of 3.77 ton ha⁻¹, whereas farmers who did non receive subsidized fertilizer produced an average productivity of 3.20 ton ha⁻¹. This resulted in a productivity defference of 0.57 ha⁻¹.. equivalent to approximately 17.81%.