Abstract:Micro, Small, and Medium Enterprises (MSMEs) play a vital role in Indonesia's economy, yet many face challenges such as limited capital, inadequate financial literacy, and restricted access to financial services, which hinder…
inder their growth and competitiveness. This study aims to analyze the influence of financial literacy and financial inclusion on MSME performance in Kediri City, focusing on entrepreneurs who received government capital assistance in 2024. Using a quantitative approach, data were collected from 100 MSME owners through purposive sampling, with questionnaires as the primary instrument. Statistical analyses, including multiple linear regression, t-tests, F-tests, and classical assumption tests, were conducted using SPSS 24. The results reveal that both financial literacy and financial inclusion have positive and significant effects on MSME performance, with the two variables jointly explaining 71% of performance variation. These findings indicate that improving financial knowledge and expanding access to financial services can substantially enhance MSME productivity, competitiveness, and sustainability. The study highlights the importance of targeted financial education and inclusive financial policies to strengthen the resilience and long-term growth of MSMEs in regional economies
Abstract:Digital transformation at Islamic Rural Banks demands governance that is accountable, secure, and aligned with sharia principles. This study aims to map digital governance practices and formulate prerequisites for safe,…
compliant, and value-oriented implementation. Using a qualitative phenomenological approach and adopting an active participatory method, data were collected through in-depth interviews, document reviews, and observations with purposive sampling (management, DPS, IT/cybersecurity units, and customers). The analysis refers to the Miles & Huberman model (data reduction–data presentation–conclusion drawing); validity is maintained through source triangulation, member checking, and audit trails. The findings consolidate five key domains: (1) the role of DPS in digital decisions and ongoing supervision, (2) human resource capabilities and risk culture, (3) IT & cybersecurity architecture (data protection, incident response, business continuity), (4) risk management–compliance (synchronization of OJK–DSN–MUI guidelines), and (5) digital customer literacy and experience. The theoretical contribution integrates the Institutional, Accountability, and TAM/UTAUT perspectives to explain the drivers and barriers to adoption. Practically, a risk-based digital governance roadmap is developed that prioritizes cybersecurity governance, strengthening the role of the DPS through digital oversight, and data governance policies.
Abstract:This study aims to analyze the influence of financial literacy on financial behavior and financial management in Micro, Small, and Medium Enterprises (MSMEs) in Pasar Village, Gunungsitoli District. The background of the…
study indicates that MSMEs have a crucial role in the Indonesian economy, but many MSMEs still face challenges in financial management due to a lack of financial literacy. This study used a quantitative approach by distributing questionnaires to 158 MSMEs in the area. The results of the analysis indicate that financial literacy has a positive and significant influence on both financial behavior and financial management of MSMEs. MSMEs with higher levels of financial literacy tend to exhibit healthier financial behaviors, such as the ability to manage expenses, create budgets, and save. Similarly, good financial literacy significantly improves MSMEs' abilities in planning, recording, reporting, and evaluating business finances. Multivariate analysis confirmed that financial literacy simultaneously significantly influences both aspects. The high coefficient of determination (80.7% for financial behavior and 83.7% for financial management) indicates that financial literacy is a dominant factor in explaining variation in both dependent variables.
Abstract:In recent years, the housing market has faced significant challenges, including fluctuating prices and declining sales. To solve this issue, there was an increasing need for more sophisticated methods to predict housing…
prices accurately. This study aimed to provide real estate marketers with a tool to enhance their pricing tactics and mitigate the decline in home sales by predicting house prices using machine learning techniques. Several parameters were considered in this study, such as location, number of bedrooms, number of bathrooms, land area, building area, and number of carports. Linear regression and neural network methods were used to develop predictive models. The findings showed that the neural network method was more accurate than linear regression, which made it a better tool for real estate pricing strategies, with land area and number of carports being the most influential aspects in house price prediction.
Abstract:This study aims to analyze the effect of Procedural Justice on Organizational Citizenship Behaviour (OCB) through Perceived Organizational Support (POS) among hotel employees in Makassar City. The research is motivated by…
y the declining extra-role behaviors of employees, which affect service quality, allegedly driven by perceived procedural injustice and low organizational support. Using a quantitative approach and Partial Least Squares Structural Equation Modeling (PLS-SEM), data were collected through questionnaires from employees of three- to five-star hotels. The results reveal that Procedural Justice has a positive and significant effect on both POS and OCB, directly and indirectly. Moreover, POS functions as both a mediator and a moderator, strengthening the relationship between procedural justice and OCB. The R² and Q² values indicate a high explanatory and predictive relevance, while the Goodness of Fit Index confirms the empirical adequacy of the model. These findings support the Social Exchange Theory (Blau, 1964) and Organizational Support Theory (Eisenberger et al., 1986), asserting that fairness and organizational support foster reciprocal relationships that motivate employees to engage in voluntary, extra-role behaviors. This study contributes theoretically by extending the application of social exchange theory within the hospitality context and provides practical implications for hotel management to enhance procedural justice and organizational support as strategies to improve employees’ organizational citizenship behaviour.
Abstract:This study aims to determine the effect of learning styles on academic achievement, the effect of learning motivation on academic achievement, and the effect of learning styles and learning motivation on academic achievement.…
ment. Sampling was carried out using a simple purposive sampling technique so that 44 students were obtained. Data collection used an online questionnaire. Data analysis used multiple linear regression analysis. The results of the study showed that the partial test (t-test) concluded that learning styles had a significant effect on academic achievement and learning motivation had a significant effect on academic achievement. Based on the F test, it was concluded that learning styles and learning motivation jointly influenced the learning achievement of FEB students at Makassar State University. Therefore, teachers are advised to analyze student learning styles in determining teaching methods and always motivate students to increase the intensity of their learning efforts.
Abstract:This research is motivated by the importance of building customer trust inencourage customer interest and decisions to save regularly at BPR Syariah, especially through strengthening personal selling marketing communication…
ion strategies and positive service experiences. The main theory underlying this research is the Theory of Planned Behavior (TPB). This research aims to analyze (1) the influence of personal selling on saving decisions, (2) the influence of customer experience on saving decisions, (3) to determine whether trust mediates the relationship between personal selling and saving decisions, (4) to determine whether trust mediates the relationship between customer experience and saving decisions at BPRS Baiturridha Pusaka-Bandung. This study uses a quantitative approach through the Structural Equation Modeling–Partial Least Squares (SEM–PLS) method. The sample consisted of 120 active customer respondents of BPRS Baiturridha Pusaka-Bandung selected using a probability sampling technique through a simple random sampling approach, where each member of the population has an equal chance of being selected as a respondent. Data collection was carried out through the distribution of structured questionnaires and analyzed using Smart PLS software version 3.0. The results of the study show that (1) Personal Selling does not influence the decision to save (2) Customer Experience has a positive and significant influence on the Decision to Save (3) Trust is not proven to significantly mediate the relationship between personal selling and the decision to save (4) Trust is proven to significantly mediate the relationship between customer experience and the decision to save. These findings confirm that in the context of BPR Syariah, positive customer experience is the main factor in forming trust and driving savings behavior
Abstract:This study aims to analyze the influence of leadership and work motivation on lecturer performance, both directly and indirectly through job satisfaction as a mediating variable at Nazhatut Thullab Al-Muafa University, Sampang.…
ampang. This study used a quantitative approach with the SEM-PLS method. The study population was all 66 permanent and non-permanent lecturers, using a census method (total sampling). The primary theory underlying this study is Goal Setting Theory. This study used a quantitative approach with the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method. The results show that leadership can contribute to lecturer performance. Work motivation contributes to lecturer performance. Leadership contributes to lecturer performance through job satisfaction. Similarly, motivation contributes to lecturer performance through job satisfaction. These findings theoretically sharpen and expand the concepts discussed, and practically can serve as guidelines for Nazhatut Thullab Al-Muafa University, Sampang, in improving lecturer performance, evaluating, and driving institutional progress.
Abstract:This study aims to analyze the influence of leadership and work motivation on lecturer performance, both directly and indirectly through job satisfaction as a mediating variable at Nazhatut Thullab Al-Muafa University, Sampang.…
ampang. This study used a quantitative approach with the SEM-PLS method. The study population was all 66 permanent and non-permanent lecturers, using a census method (total sampling). The primary theory underlying this study is Goal Setting Theory. This study used a quantitative approach with the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method.
The results show that leadership can contribute to lecturer performance. Work motivation contributes to lecturer performance. Leadership contributes to lecturer performance through job satisfaction. Similarly, motivation contributes to lecturer performance through job satisfaction. These findings theoretically sharpen and expand the concepts discussed, and practically can serve as guidelines for Nazhatut Thullab Al-Muafa University, Sampang, in improving lecturer performance, evaluating, and driving institutional progress.
Kata Kunci: Leadership, Work Motivation, Job Satisfaction, Lecturer Performance
Abstract:This study aims to analyze human resource (HR) management planning, identify obstacles, and formulate efforts to support the digitalization of school management. The study used a qualitative descriptive approach with in-depth…
depth interviews, observation, and documentation techniques with the principal, vice principal, teachers, and administrative staff. The results showed that HR planning at SMK Negeri 2 Gunungsitoli was carried out through three main steps: (1) needs analysis and preparation of technology-based teacher formation, (2) competency mapping and identification of information and communication technology (ICT) training needs, and (3) empowerment of teachers and staff through workshops, mentoring, and discussion forums. Obstacles faced included limited digital literacy among teachers and staff, unequal network access, and resistance to changes in technology-based learning methods. Efforts made by the school included providing digital literacy training, optimizing available devices and networks, utilizing offline learning applications, and creating a work culture that is adaptive to innovation. This study concluded that targeted HR planning, infrastructure support, and continuous competency development are important factors in realizing effective digital transformation in schools. These findings are expected to be useful for SMK Negeri 2 Gunungsitoli, other educational institutions, and further researchers in developing digitalization strategies for school management.