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All Journal Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen) Accounting Profession Journal (APAJI) JURNAL MANAJEMEN SUMBER DAYA MANUSIA
Zulfikry Sukarno
STIEM BONGAYA MAKASSAR
Economics, Econometrics & Finance

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OPTIMIZATION OF CREDIT FACILITIES FOR EMPOWERING SMALL AND MICRO ENTERPRISES MODERATED BY FINANCIAL LITERACY Zulfikry Sukarno; Orfyanny Syahreffy Themba; Susiana Mokhtar
ECOBISMA (JURNAL EKONOMI, BISNIS DAN MANAJEMEN) Vol 12, No 2 (2025): ECOBISMA
Publisher : Published by the Faculty of Economics and Business, University of Labuhanbatu, North Sumat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/ecobi.v12i2.7132

Abstract

PURPOSE - The purpose of the study is to analyze and predict the causal relationship of the impact of providing credit facilities to MSEs in Makassar City, in order to maximize their business income. Descriptive quantitative research model with sample determination through non-purposive sampling.METHODOLOGY - . The research sample was 100 Makassar MSE actors who were used as respondents. Data collection from respondent questionnaires. Data analysis uses variant-based SEM to test models and theories. Testing of structural models and measurement models with the help of smartPLS 3.0.FINDING - The test results show that the provision of credit facilities optimally has a significant and positive impact on increasing the business income of MSE actors in Makassar City. Financial literacy owned by MSE actors is able to increase their business income and the role of moderation. Financial literacy does not have an influence on the relationship between credit optimization and MSE empowerment
PENGARUH LINGKUNGAN KERJA, PELATIHAN DAN PENGEMBANGAN SUMBER DAYA MANUSIA TERHADAP KINERJA KARYAWAN BANK BCA YANG DIMEDIASI KEPUASAAN KERJA Utami Rezky Mayang Sari; Yana Fajriah; Zulfikry Sukarno
Accounting Profession Journal (APAJI) Vol. 8 No. 1 (2026): Accounting Profession Journal (APAJI)
Publisher : Program Studi Akuntansi Fakultas Ekonomi dan Bisnis Universitas Kristen Indonesia Paulus

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Lingkungan Kerja, Pelatihan dan Pengembangan Sumber Daya Manusia terhadap Kinerja Karyawan dimediasi Kepuasan Kerja. Pendekatan penelitian ini menggunakan pendekatan kuantitatif sumber data primer melalui penyebaran kuesioner terhadap 86 karyawan operasional marketing PT Bank Central Asia Tbk Kantor Cabang Makassar sebagai responden. Untuk mengukur pengaruh langsung variabel Lingkungan Kerja, Pelatihan dan Pengembangan Sumber Daya Manusia terhadap kinerja karyawan dan pengaruhnya apabila dimediasi oleh variabel kepuasan kerja dengan menggunakan alat analisis jalur Struktural Equation Model-PLS. Dari hasil penelitian menunjukkan bahwa secara parsial variabel Lingkungan Kerja, Pelatihan dan Pengembangan Sumber Daya Manusia berpengaruh positif dan signifikan terhadap kinerja karyawan akan tetapi variable kepuasan kerja tidak berpengaruh terhadap kinerja karyawan, dan secara parsial variabel Lingkungan Kerja, Pelatihan dan Pengembangan Sumber Daya Manusia berpengaruh positif dan signifikan terhadap kepuasan kerja. Sedangkan hasil penelitian pengaruh tidak langsung variabel Lingkungan Kerja, Pelatihan dan Pengembangan Sumber Daya Manusia terhadap kinerja karyawan yang dimediasi kepuasan kerja berpengaruh positif dan signifikan
PERAN KEPUASAN NASABAH BANK BRI DALAM MEMEDIASI PENGARUH KUALITAS PELAYANAN MOBILE BANKING TERHADAP LOYALITAS Zulfikry Sukarno
J-MSDM (JURNAL MANAJEMEN SUMBER DAYA MANUSIA) Vol. 3 No. 1 (2026): Juli
Publisher : Prodi Manajemen

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Abstract

This study aims to find out the effect of Mobile Banking Service Quality on Loyalty mediated by Customer Satisfaction as the main objective of the research. The research approach uses a quantitative method and primary data collection through distributing questionnaires using purposive sampling on 96 BRI Bank customers who were made respondents. The analysis method uses causality and descriptive statistics through SPSS, and the Sobel test is used to test the mediation variable. The questionnaire results have been tested for validity and reliability, as well as classical assumptions in the form of Normality, Multicollinearity and Heteroscedasticity assumptions. The data analysis method uses multiple regression techniques with path analysis and the Sobel test. Based on the path analysis and Sobel test, the results show that all hypotheses are accepted. The first hypothesis is accepted because Mobile Banking Service Quality has a positive and significant effect on satisfaction. The second and third hypotheses are accepted because mobile banking service quality and satisfaction have a positive and significant partial effect on customer loyalty. Finally, the fourth hypothesis is also accepted because Mobile Banking Service Quality has a positive and significant effect on customer loyalty with satisfaction as an intervening variable. Based on the path analysis and Sobel test, the results show that all hypotheses are accepted. The first hypothesis is accepted because Mobile Banking Service Quality has a positive and significant effect on satisfaction. The second and third hypotheses are accepted because mobile banking service quality and satisfaction have a positive and significant partial effect on customer loyalty. Finally, the fourth hypothesis is also accepted because Mobile Banking Service Quality has a positive and significant effect on customer loyalty with satisfaction as an intervening variable
Co-Authors Orfyanny Syahreffy Themba Susiana Mokhtar Utami Rezky Mayang Sari Yana Fajriah