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All Journal Journal of Social Research Jurnal manajemen dan bisnis (Performa)
Kartono
Universitas Swadaya Gunung Jati
Humanities Computer Science & IT Economics, Econometrics & Finance Education Social Sciences

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EDUCATION, FINANCIAL LITERACY AND PLANNING ON MSMES FINANCIAL BEHAVIOR IN CIREBON CITY Ida Rosnidah; Kartono; Evi Lativah
Jurnal Manajemen dan Bisnis Performa Vol. 22 No.2 (2025)
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/performa.v22i2.5504

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are an economic sector that plays a strategic role in promoting growth and equitable economic development, particularly at the regional level. This study aims to analyze the influence of education level and financial literacy on the financial behavior of MSME actors in the City of Cirebon, as well as to examine the role of financial planning as a mediating variable in this relationship. The research employs a descriptive quantitative method with an explanatory research approach. The researcher used a simple random sampling technique and determined the sample size using the Slovin formula, resulting in a total of 187 MSME respondents. Data analysis was conducted using the Partial Least Square – Structural Equation Modeling (PLS-SEM) technique through the SmartPLS 3 software. The results indicate that both education level and financial literacy have a positive influence on financial planning and financial behavior. Moreover, financial planning significantly affects financial behavior and is capable of mediating the influence of education level and financial literacy on financial behavior. These findings highlight the importance for MSME actors to improve their education level and financial literacy in order to enhance financial planning and financial behavior.
The Influence of Servant Leadership Style, Work Discipline, and Organizational Culture on Employee Performance at the Ciremai Hospital in Cirebon City Agies Nanda Abdullah; Kartono
Journal of Social Research Vol. 5 No. 7 (2026): Journal of Social Research
Publisher : International Journal Labs (AHU-0028405-AH.01.14 Tahun 2022)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/josr.v5i7.3215

Abstract

This research was conducted to determine the extent of the influence of servant leadership, employee discipline, and organizational culture on the work productivity of personnel at the Organization Office of Ciremai Hospital, Cirebon City. The academic concern that prompted this study was the symptom of a decline in human resource performance in recent times, which is strongly suspected to be related to leadership patterns, the level of compliance with regulations, and the cultural values rooted in the institution. Using an associative quantitative approach, data were collected using a Likert-scale questionnaire from 90 participants selected based on certain criteria (purposive sampling). All data were processed using SPSS 25 through the stages of instrument testing, assumption testing, multiple regression, and hypothesis testing. The results show that both independently and together, these three variables have a positive and significant impact on performance. Work discipline emerged as the strongest factor compared to the other two variables. Thus, this research confirms that the strength of the organizational system, reflected in servant leadership, strong discipline, and a strong culture, plays a central role in determining individual performance. Consequently, hospital management can use these findings as a strategic foundation for developing more targeted human resource development policies, while also enriching theoretical discourse in the fields of organizational behavior and human resource management.
Co-Authors Agies Nanda Abdullah Evi Lativah Ida Rosnidah