ETIKONOMI
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Critical Factors that Determine Credit Approval to Micro, Small, and Medium Enterprises (MSME) IN BEKASI
No full textMany business owners attempt to apply for bank credit, but not all of them are approved. This study aims to reveal the factors determining credit approval to Micro, Small, and Medium Enterprises (MSME). The variables used in this study are the owner\u27s capital, company establishment, collateral value, credit amount, owner\u27s age, and good relationship with the bank. In this study, the logit model used as a technique of analysis, in which there is only one dependent variable in the form of dummy along with the other six independent variables. The statistical test reveals that simultaneously all independent variables have significant effects on credit approval. Partially, only the owner\u27s capital and good relationships with the bank do affect the approval. Therefore, business owners should pay more attention to their amount of capital and interrelation with the bank when applying for bank credit.JEL Classification: C30, G2
Success Factors in Triple Helix Coordination: Small-Medium Sized Enterprises in Western Java
No full textTriple helix model is a model of a knowledge-based economy, which collaborates with the university, business, and government sectors to help small and medium enterprises (SMEs) boost their business. The issue is the three actors have not yet synergized optimally in the development of SMEs. Hence, this study was to identify the critical success factors of the triple helix model for SMEs. This study employed a meta-ethnography and factor analysis to obtain components and indicators of the success factors. The result showed that 37 items of critical success factors have good content validity and excellent homogeneity reliability. Based on these success factors, a triple helix model consisting of six stages has developed. It indicates that these critical success factors make an essential contribution to the development and success of SMEs to achieve the goal of the program.JEL Classification: L52, L5
Does Ownership Structure Pay Attention to The Corporate Cash Policy? Evidence in Indonesia Firms
No full textCash and its use will connect to many things, such as the performance of corporate governance. This empirical research examines the interaction effect of insider ownership, institutional ownership, and independent board toward the influence of cash policy on the firm value. This research using agency theory framework, corporate governance using Indonesia listed firms’ samples over 2001-2017 (197 firms, 3349 observation). Fixed effect dynamic panel regression and regression-moderated analysis used in this research. We show that these results suggest that the insider ownership, institutional ownership, and independent board strengthen the influence of the corporate cash policy on firm’s value. It develops the previous research findings in Indonesia, especially in the implication of cash management from the perspective of agency theory and corporate governance.JEL Classification: G32, L2
The Relationship among Spiritual Intelligence, Emotional Intelligence, Organizational Citizenship Behaviour, and Employee Performance
No full textThe effect of Intelligence on employee performance is highly essential, although contradictions related to the current research found. This research aims to analyze the direct and indirect effect of spiritual intelligence and emotional intelligence on employee performance through Organizational Citizenship Behavior (OCB). This research using Partial Least Square (PLS) with 50 respondents as samples. It shows that emotional intelligence has a direct and indirect effect on employee performance. Meanwhile, spiritual intelligence only has a direct effect on employee performance. Emotional intelligence can increase employee performance indirectly through OCB. Management implies that the supervisor is supposed to conduct an assessment on OCB to enhance employee performance continuously.JEL Classification: D23, J2
Servant Leadership Improves the Knowledge Sharing Behavior of Employees in Organization: A Case of Higher Education Sector in Pakistan
No full textThe purpose of this paper is to investigate the role of servant leadership in organizations in Karachi and to investigate the level of knowledge sharing (KS) behavior among employees. The study based on quantitative design and the primary data has collected from the higher education sector through a survey questionnaire. Furthermore, multiple regressions have used for model testing. The findings of the study-enlightened benefits of knowledge sharing behavior that can be prevailed through a servant leadership model and encourage employees\u27 participation. Four traits of servant leadership that are altruistic calling, emotional healing, and organizational stewardship have a positive impact on knowledge sharing behavior of employees. The findings of the study will be beneficial for the employees of the organization to understand the importance of servant leadership and its application in enterprises.JEL Classification: J59, M19, M5
The Performance of Sharia Banks Employees X Branch Batam Through Work Motivation
No full textThere are several affecting factors to the Employees\u27 performance. This research aimed to examines the factor that influences work motivation and employees\u27 performance. The method was the structural equation model. The results found that leadership style and compensation affect the work motivation, but the variable of work discipline does not have an impact on work motivation. This study also found that work discipline and compensation affect the employees\u27 performance, but the leadership style does not have an impact. The Policy implications suggest the chairman to set-up leadership style appropriate to the employees\u27 situation, and compensation should be enhanced, awards and penalties apply to increase employees\u27discipline and welfare.JEL Classification: G21, M1
Factors Influence Financial Inclusion: Evidence from Indonesian Micro Data
No full textIn order to increase access to formal financial institutions, the Indonesian government has issued various national strategies. However, Indonesia’s inclusive financial index is still under other ASEAN countries. Therefore, in this study, we investigate the factors that influence financial inclusion in Indonesia. The microdata from global findex 2014 was carried out in this study by using binary logistic regression analysis. The finding indicates that there is a significant positive relationship between individual characteristics, including financial inclusion, constraints to financial inclusion, utilization of financial services motivation, and loan sources. Since the main targets of financial inclusion are the poor, this finding becomes an essential proposition for policies in the banking sector, that besides the factors of gender, age, education, and type of jobs, income is the primary factor that influences access and utilization of financial services. Mainly regarding loans, increased income will increase the opportunities of the poor to getting loans because only high-income groups have collateral in applying for loans.JEL Classification: D14, G2
Human Capital Development and Macroeconomic Performance in Nigeria: An Autoregressive Distributed Lag (ARDL) Approach
No full textDeveloped nations continue to invest heavily in the development and training of their human resources. Huge budgetary allocations show it to education and health, yet Nigeria’s human capital development policy has only been effective on paper. This study examined the impact of human capital development on the macroeconomic performance of Nigeria. Using the autoregressive distributed lagged (ARDL) model, this study shows an insignificant negative relationship between human capital development and per capita GDP in the short run. The results also showed that only the tertiary enrolment rate significantly and positively improved per capita GDP within the period under review. The study concluded that the government’s efforts aimed at boosting human capital have been insufficient.JEL Classification: O47, J11, J2
National Health Insurance, Profitability, and Service Quality: Case Study at the Private Hospital in West Java
No full textNational health insurance is one of the government programs to facilitate health services for the people. The purpose of this research to determine whether there are effects of National Health Insurance program (JKN) on profitability and service quality at Juanda Kuningan Hospital, of West Java. The method using the paired-t-test to analyze the difference between before and after the National Health Insurance program. The result showed that there is a difference in profitability and service quality between pre and post the implementation of national health insurance program. Gross profit margin measured the profitability, net profit margin, return on total assets, and return on equity. This result means that the value of the company\u27s profitability is better when the program JKN yet takes place in the Juanda hospital. While on the service quality variable it is found that the mean value is higher when the JKN program has conducted at the hospital.DOI: 10.15408/etk.v17i1.706