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Manajemen Risiko sebagai Mediator dalam Keterkaitan Inklusi Keuangan dan Kinerja UKM Balikpapan Gusmawati; Ribka Patta; Agus Rahayu; Hery Eko Prastiyo; Nurlia Nurlia
Jurnal Ragam Pengabdian Vol. 3 No. 2 (2026): Mei-Agustus (Inprogress)
Publisher : Lembaga Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/68zgf736

Abstract

This study aims to examine the role of risk management as a mediating variable in the relationship between financial inclusion and SME performance. The study employed a quantitative approach using Partial Least Squares Structural Equation Modeling (PLS-SEM) with Smart-PLS version 4. Data were collected through questionnaires distributed to 150 SME owners and managers in Balikpapan, Indonesia, selected using purposive sampling. The findings reveal that financial inclusion does not have a significant direct effect on SME performance. However, financial inclusion has a positive and significant effect on risk management, while risk management significantly improves SME performance. Furthermore, the study confirms that risk management significantly mediates the relationship between financial inclusion and SME performance. These findings indicate that access to formal financial services alone is insufficient to improve SME performance unless supported by effective risk management practices. The study contributes to the literature by highlighting the strategic role of risk management as an important mechanism through which financial inclusion can enhance business performance. Practically, the findings suggest that policymakers and financial institutions should complement financial inclusion programs with risk management training and managerial assistance for SMEs to ensure sustainable business growth and resilience.
Workload and Customer Rating Pressure as Antecedents of Burnout: Examining the Mediating Role of Job Stress in the Ride-Hailing Context Roswiyanti Roswiyanti; Hery Eko Prastiyo; Grace Indri; Didik Hadiyatno
Journal of Marketing Management and Innovative Business Review Vol. 4 No. 1 (2026): Mariobre, June 2026 (ISSN : 3031-4208)
Publisher : Management Study Program, Universitas Kristen Indonesia Paulus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63416/mrb.v4i1.467

Abstract

This study examines the effects of workload and customer rating pressure on burnout, with job stress as a mediating variable, in the ride-hailing context. Using a quantitative approach, data were collected from 160 ride-hailing drivers in Makassar, Indonesia, and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings reveal that customer rating pressure has a stronger impact on job stress compared to workload, highlighting the critical role of algorithmic management in shaping drivers’ psychological conditions. Job stress is found to significantly influence burnout and serves as a key mediating mechanism. While workload directly and indirectly affects burnout (partial mediation), customer rating pressure influences burnout only indirectly through job stress (full mediation). These results suggest that burnout among gig workers is not merely driven by physical job demands but is primarily shaped by psychological pressures embedded in platform-based evaluation systems. This study contributes to the literature by demonstrating that not all job demands operate through the same pathways, emphasizing the dominance of algorithmic pressure in the gig economy. The findings offer practical implications for platform providers and policymakers to design more sustainable and worker-friendly systems.