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All Journal MANDAR: Management Development and Applied Research Journal JMB JAMAN: Jurnal Mahasiswa Manajemen
Fadlina
Universitas Ichsan Sidenreng Rappang
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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THE EFFECT OF WORK MOTIVATION ON EMPLOYEE PERFORMANCE OF REGIONAL DRINKING WATER COMPANY (PDAM) IN TELLU LIMPOE DISTRICT IN SIDENRENG RAPPANG REGENCY Nur Fajriani; Fadlina; Ari Ayu
Jurnal Mahasiswa Manajemen Vol. 2 No. 1 (2025): Hal 01-61
Publisher : Universitas Ichsan Sidenreng Rappang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61912/jaman.v2i1.103

Abstract

The aim of this research is to determine the effect of work motivation on the performance of employees of the Regional Drinking Water Company (PDAM) of Sidenreng Rappang Regency. This research method uses quantitative methods with a descriptive approach. This type of research is a survey to obtain information in the field. The data used is primary data obtained from the field using a questionnaire as a data collection tool. Questionnaires were distributed to 30 PDAM employees. Then, the data was processed using the SPSS program. The data analysis method uses simple regression analysis. The results of the analysis show that work motivation has a positive and significant effect on the performance of employees of the Regional Drinking Water Company (PDAM) of Sidenreng Rappang district.
The Paradox of Digital Financial Inclusion: Unpacking the Alternative Credit Scoring Gap for MSMEs in FinTech Lending Busrin Raihana Mas'ud; Fadlina; Kurniawan; Alliah Grace D. Gubangco
MANDAR: Management Development and Applied Research Journal Vol. 8 No. 2 (2026): June Period
Publisher : Universitas Sulawesi Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31605/mandar.v8i2.6784

Abstract

FinTech lending utilizes alternative credit scoring (ACS) based on digital footprints to expand financial inclusion for Micro, Small, and Medium Enterprises (MSMEs). However, this approach risks excluding marginalized MSMEs that lack extensive digital data. This study explores the paradoxical digital divide in MSME credit assessment and examines the potential of Accounting Information Systems (AIS) to bridge this gap. Employing a descriptive-exploratory qualitative approach, multiple case studies were conducted involving 15 MSME actors with varying digitalization levels in Parepare City, Indonesia. The findings reveal a "signal recognition gap": although most MSMEs possess adequate digital footprints and disciplined financial records, they still receive disproportionately low FinTech financing limits. Current FinTech algorithms appear to assess basic identity and loan history rather than actual business performance or structured accounting signals. Consequently, FinTech lending currently provides only "nominal inclusion" without substantive financial impact. Integrating AIS-generated financial reports into ACS algorithms is critical to provide accurate credit signals, mitigate information asymmetry, and achieve genuine financial inclusion for MSMEs
Pengaruh Kualitas Pelayanan Terhadap Kepuasan Pelanggan Banana Bucin di Pangkajene Sidenreng Rappang Muh. Ramdani; A Kartini Sari Putri D; Fadlina
Jurnal Manajemen Bisnis Vol. 1 No. 3 (2026): April-Juni
Publisher : Samudra Ilmu Indonesia

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Abstract

Penelitian ini bertujuan menganalisis pengaruh kualitas pelayanan terhadap kepuasan pelanggan pada usaha kuliner Banana Bucin di Pangkajene, Kabupaten Sidenreng Rappang. Penelitian menggunakan pendekatan kuantitatif dengan pengumpulan data melalui kuesioner kepada 100 responden. Data dianalisis menggunakan uji validitas, reliabilitas, uji asumsi klasik, dan regresi linear sederhana dengan bantuan SPSS. Hasil penelitian menunjukkan bahwa kualitas pelayanan berpengaruh positif dan signifikan terhadap kepuasan pelanggan, dibuktikan oleh nilai signifikansi 0,000 (< 0,05) dan koefisien regresi sebesar 0,517. Nilai koefisien determinasi (R²) sebesar 0,313 menunjukkan bahwa kualitas pelayanan memberikan kontribusi sebesar 31,3% terhadap kepuasan pelanggan, sedangkan sisanya dipengaruhi faktor lain di luar penelitian. Dengan demikian, kualitas pelayanan memiliki peran penting dalam meningkatkan kepuasan pelanggan. Oleh karena itu, pelaku usaha perlu meningkatkan kualitas pelayanan secara konsisten guna menciptakan pengalaman positif dan mempertahankan pelanggan.
Co-Authors A Kartini Sari Putri D Alliah Grace D. Gubangco Ari Ayu Busrin Raihana Mas'ud Kurniawan Muh. Ramdani Nur Fajriani