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Dampak Spiritualitas, Kontrol Diri dan Literasi Keuangan Terhadap Kepuasan Keuangan dengan Mediasi Perilaku Keuangan
Full text linkThis study aims to examine the influence of spirituality, self-control, and financial literacy on financial satisfaction with financial behavior as a mediating variable. The research employs a quantitative approach using Partial Least Squares-Structural Equation Modeling (PLS-SEM) on 116 respondents in Bojonegoro Regency. The findings reveal that spirituality does not directly affect financial satisfaction but has a significant indirect effect through financial behavior, showing a full mediation role. Self-control demonstrates both direct and indirect effects, indicating partial mediation. Meanwhile, financial literacy influences financial satisfaction only indirectly through financial behavior, also reflecting full mediation. These results confirm that financial behavior serves as a crucial pathway bridging psychological, spiritual, and knowledge-based factors with financial satisfaction. The contribution of this study lies in its theoretical integration of spirituality, self-control, and financial literacy into a comprehensive framework for understanding financial satisfaction. Practically, it underscores the importance of financial education that incorporates spiritual and psychological values to promote responsible financial behavior and enhance individual and household well-being. Contextually, the study enriches the literature by providing empirical evidence from Bojonegoro Regency, a unique socio-cultural setting often overlooked in prior research, thereby broadening insights into financial behavior in diverse cultural environments.
Keywords: Financial Behavior; Spirituality; Self-Control; Financial Literacy; Financial Satisfactio
Pengaruh Analisis Jabatan dan Pengalaman Pegawai Terhadap Kinerja Pegawai Dengan Mediasi Kepuasan Kerja Dan Moderasi Komitmen Organisasional di Puskesmas Kecamatan Semampir
Full text linkThis study examined the effects of job analysis and employee experience on employee performance through job satisfaction mediation and organizational commitment moderation in Indonesian primary healthcare centers. A quantitative approach using Structural Equation Modeling-Partial Least Squares was employed with 170 employees from four Puskesmas in Semampir District, Surabaya. Data were collected through validated questionnaires and analyzed using SmartPLS 3.0. Results revealed that job analysis and employee experience did not directly influence employee performance. However, both variables significantly affected job satisfaction. Job satisfaction demonstrated significant positive effects on employee performance and fully mediated the relationships between job analysis and performance, as well as between employee experience and performance. Organizational commitment acted as a pure moderator, significantly strengthening the satisfaction-performance relationship. These findings highlighted job satisfaction as a critical mediator and organizational commitment as an essential moderator in healthcare workforce management, providing valuable insights for enhancing performance in primary healthcare settings.
Keywords:
Job Analysis, Employee Experience, Job Satisfaction , Organizational Commitment ,Employee Performance
Kepemimpinan Transformasional, Job Performance, Dan Keterikatan Karyawan: Peran Psychological Capital Sebagai Moderator Di PT Petrokimia Gresik
Full text linkThis study aims to analyze the effect of transformational leadership on employee performance and employee engagement, as well as psychological capital as a moderating variable, in the context of PT Petrokimia Gresik. This study gathered data from 406 employees and using a quantitative approach and PLS-SEM analysis method, the study findings reveal that transformational leadership has a positive effect on employee performance, both directly and indirectly through increased employee engagement. Employees led by transformational leaders show higher emotional and cognitive engagement in their work, which in turn drives increased work performance. Furthermore, psychological capital significantly strengthens the relationship between work engagement and performance, indicating that hope, self-efficacy, optimism, and resilience play an important role in maintaining employee effectiveness amidst workplace challenges. These findings underscore the strategic importance of fostering transformational leadership styles and investing in employee psychological capital to enhance productivity and ensure sustainable performance in manufacturing organizations
Microfinance Ecosystem Model At Bank Syariah Indonesia (Bsi) At Kcp Surabaya Hr Muhammad 1
Full text linkIslamic microfinance plays a crucial role in supporting small and micro enterprises that are not fully served by formal financial institutions, applying the principles of profit-sharing, flexibility, and Sharia compliance. This study aims to analyze the role of Islamic microfinance at Bank Syariah Indonesia (BSI) KCP Surabaya HR Muhammad 1 using a qualitative approach. The findings reveal that the microfinance ecosystem involves the bank, MSME customers, regulators, and business communities, with the application of Sharia contracts such as murabahah and musharakah. The main products offered include Islamic People’s Business Credit (KUR Syariah) and BSI Usaha Mikro (BUM) Non-KUR with a financing plafond of up to IDR 500 million, supported by digital innovations such as the i-Kurma application and BSI Agent program. The financing has a positive impact on MSMEs, including revenue growth and business expansion, although challenges remain, such as low public literacy on Islamic finance and administrative barriers in digitalization. The study recommends that BSI strengthen Islamic financial literacy, optimize digital services, and enhance risk management to improve the effectiveness of Islamic microfinance.
Keywords: Islamic microfinance, Ecosystem, BSI, MSMEs, Economic Growt
Pengaruh Gaya Kepemimpinan Transformasional, Pelatihan & Pengembangan Terhadap Kinerja Pegawai Puskesmas Tanah Kalikedinding Surabaya Dengan Motivasi Kerja Sebagai Variabel Intervening
Full text linkABSTRACT
Community Health Centers (Puskesmas) play a crucial role as primary healthcare providers in Indonesia. In facing the increasing public demands for service quality, employee performance becomes a key determinant of organizational success. This study aims to analyze the influence of transformational leadership style as well as training and development on employee performance at a Puskesmas in Surabaya, with work motivation as a mediating variable. A quantitative approach was employed using the SEM-PLS method with 135 respondents selected through a census technique. Data were collected through questionnaires and analyzed using SmartPLS version 4. The results indicate that transformational leadership (β = 0.360; t = 4.163) and training and development (β = 0.301; t = 4.065) have a positive and significant effect on employee performance. Both variables also enhance work motivation, which in turn positively impacts performance (β = 0.313; t = 2.889). Work motivation mediates the effect of leadership (β = 0.167) and training (β = 0.130) on performance. Therefore, performance improvement can be achieved through empowering leadership styles and continuous training that foster employees’ intrinsic motivation to deliver quality healthcare services.
Keywords: Transformational Leadership Style, Training & Development, Employee Performance, Work Motivatio
Model Financial Well-Being Tenaga Kesehatan Puskesmas Di Kota Surabaya : Peran Financial Behavior Sebagai Mediasi
Full text linkFinancial Well-Being (FWB) reflects an individual’s ability to manage finances effectively, feel secure about present and future conditions, and meet needs without significant financial pressure. This study aims to analyze the effects of financial knowledge, financial experience, current financial stress, and internal locus of control on FWB among healthcare workers in Surabaya’s community health centers, with financial behavior as a mediating variable. A quantitative cross-sectional design was applied involving 277 healthcare workers from 63 centers. Data were collected through online questionnaires and analyzed using Structural Equation Modeling-Partial Least Square (SEM-PLS). The results indicate that financial knowledge and financial experience do not significantly affect FWB, while financial stress has a negative impact and internal locus of control shows a positive significant effect. Financial behavior partially mediates the relationship between financial experience, financial stress, and internal locus of control with FWB. In conclusion, strengthening financial behavior and reducing financial stress can enhance FWB
Keywords : Financial Well-Being, Financial Behavior, Financial Knowledge, Financial Experience, Financial Stress, Internal Locus of Contro
Analisis Kepuasan Pengguna Terhadap Kualitas Layanan Website Koperasi Pembiayaan Kabupaten Nganjuk Menggunakan Metode End User Computing Satisfaction (EUCS)
Full text linkThe advancement of information technology has accelerated digital transformation across various sectors, including Sharia-based savings and loan cooperatives. KSPPS Tunas Artha Mandiri in Nganjuk Regency has implemented a website-based service to enhance operational efficiency and transparency. This study aims to analyze user satisfaction with the quality of the website service using the End User Computing Satisfaction (EUCS) method, which comprises five variables: Content, Accuracy, Format, Ease of Use, and Timeliness. A quantitative approach was employed through purposive sampling, involving 130 cooperative employees as research participants. Data were collected via questionnaires and processed using SPSS version 27.0, including tests for validity, reliability, normality, multiple regression, Z-test, and coefficient of determination (R²). The results indicate that Accuracy and Timeliness have a significant positive impact on user satisfaction, whereas Content exerts a significant negative influence. Meanwhile, Format and Ease of Use do not show a statistically significant effect. With a determination coefficient of 40%, the independent variables collectively contribute meaningfully to user satisfaction. Accordingly, the study recommends a thorough evaluation of website content and strategic improvements to service accuracy and timeliness, in order to optimize the information system’s performance and enhance its competitivene
Perancangan Buku Visual Resep Berjudul "Menu Sehat-Hidup Sehat Terhindar Hipertensi" Dengan Augmented Reality
Full text linkIn today’s fast-paced era, unhealthy dietary habits are a major factor contributing to the rise of hypertension in Indonesia, particularly among individuals aged 20-40 years. Many people are unaware that poor eating patterns not only increase the risk of hypertension but can also lead to other chronic diseases. Adopting a healthy lifestyle through balanced food consumption is therefore essential in preventing and managing hypertension. To address this issue, a visual recipe book was designed as an educational medium, supported by augmented reality technology to provide practical guidance in preparing healthy meals. This research applied a descriptive qualitative method with data collected through interviews, literature reviews, existing studies, and questionnaires. The design emphasizes user-friendliness and practical benefits for supporting healthy living. The book presents 21 recipe animal-based and plant-based, each accompanied by nutritional information, food photography, and augmented reality video tutorials to assist the cooking process. It is expected that this visual recipe book will raise public awareness and encourage the adoption of healthier lifestyles by making nutritious cooking more accessible and engaging
Faktor-Faktor yang Mempengaruhi Profitabilitas Bank Perekonomian Rakyat (BPR)
Full text linkThis study investigates the internal and external determinants of profitability in Indonesian Rural Banks (BPR), with credit risk acting as a mediating variable. Internal factors include capital adequacy, bank size, operational efficiency, and credit distribution, while external factors comprise inflation and interest rates. The study utilizes a panel data regression method, covering 23 conventional BPRs operating in West and Central Kalimantan from 2019 to 2023. The findings reveal that capital adequacy negatively affects profitability, whereas operational efficiency and credit distribution exert positive influences. However, excessive credit expansion leads to rising non-performing loans (NPL), which subsequently diminish profitability. Interest rates and inflation have no significant impact. This research contributes to the literature by empirically confirming the mediating role of credit risk in rural bank performance and offers strategic insights for policymakers and rural bank managers to strengthen financial sustainability.
Keywords: Profitability, Rural Banks, credit risk, operational efficiency, panel data regression
The Effect of Profitability, Firm Size, and Capital Structure on Firm Value
Full text linkThis study aims to analyze the influence of profitability, firm size, and capital structure on firm value in the consumer non-cyclical subsector companies listed on the Indonesia Stock Exchange (IDX) for the 2020–2023 period. The research employs a quantitative causal approach using secondary data in the form of financial statements selected through purposive sampling. Data were analyzed using multiple linear regression after passing the classical assumption tests. The findings reveal that: (1) profitability has a significant positive effect on firm value, (2) firm size has a significant positive effect on firm value, and (3) capital structure has a significant negative effect on firm value. Simultaneously, the three variables significantly affect firm value. These results support signaling theory and agency theory, which highlight that financial performance and financing decisions play a crucial role in shaping investor perceptions. Keywords: Profitability, Firm Size, Capital Structure, Firm Value, ID