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All Journal Riset: Jurnal Aplikasi Ekonomi Akuntansi dan Bisnis Jurnal Multidisiplin Sahombu
Rinawati Rinawati
Adhirajasa Reswara Sanjaya University
Arts Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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DIGITAL TRANSFORMATION AND SUSTAINABILITY: IS PEER-TO-PEER LENDING A SOLUTION? Yen Efawati; Rinawati Rinawati
RISET: Jurnal Aplikasi Ekonomi Akuntansi dan Bisnis Vol. 8 No. 1 (2026): RISET : Jurnal Aplikasi Ekonomi Akuntansi dan Bisnis
Publisher : Kesatuan Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/riset.v8i1.2754

Abstract

In emerging economies, understanding the interplay between digital transformation, peer-to-peer lending (P2P), and financial capability in shaping the sustainability of micro and small enterprises (MSEs) remains limited. This study examines how digital transformation influences business sustainability through a moderated-mediation model, with P2P lending as the mediator and financial literacy as the moderator. Drawing on the Resource-Based View (RBV) and the knowledge-based view, digital transformation is seen as a strategic intangible capability that enables firms to adapt and innovate. Using a quantitative approach, data were collected from 385 MSE owners in the greater Bandung area and analyzed with Partial Least Squares Structural Equation Modeling (PLS-SEM). Results show that digital transformation significantly enhances both P2P lending adoption and business sustainability. However, P2P lending, both directly and indirectly, does not contribute to sustainability unless supported by high financial literacy. In addition, financial literacy strengthens the indirect effect of digital transformation through P2P lending. Theoretically, this study integrates RBV and fintech perspectives within a moderated mediation framework. In practice, it highlights the need for MSEs to align digital adoption with financial capability development to ensure that fintech lending effectively contributes to long-term sustainability.
Management Strategies to Improve Medical Personnel Collaboration Skills (Qualitative Study at Arafah Anwar Medika Hospital) Anas Yahya Abdullah; Purwadhi Purwadhi; Rinawati Rinawati
Jurnal Multidisiplin Sahombu Vol. 6 No. 01 (2026): Jurnal Multidisiplin Sahombu, January 2026
Publisher : Sean Institute

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Abstract

Collaboration among medical personnel is a crucial component in improving the quality of care and patient safety in healthcare facilities. This study aims to analyze management strategies that can enhance the collaborative capabilities of medical personnel at Arafah Anwar Medika Hospital. The study used a descriptive qualitative method through semi-structured interviews with seven informants from various medical professions and structures. The data were analyzed using a thematic analysis approach through coding, categorization, and identification of key themes. The results show that collaboration in the hospital has taken various forms, such as cross-unit coordination, communication through digital media, and regular meetings. However, the effectiveness of collaboration is still hampered by limited human resources, differences in perceptions between professions, high workloads, and variations in communication patterns. Management has implemented several strategies, such as excellent communication training, in-house training, and strengthening a patient-oriented culture, but their implementation has not been integrated into the formal collaboration system. Recommended strategies include strengthening cross-professional communication forums, team building activities, interprofessional collaboration training, employee rotation, and the development of collaboration evaluation indicators. This study concludes that management strategies play a significant role in strengthening the collaborative capabilities of medical personnel and are able to support the formation of a sustainable collaborative work culture.
Co-Authors Anas Yahya Abdullah Purwadhi Purwadhi Yen Efawati