Article Per Year (5 Year)
p-Index From 2021 - 2026
0.408
P-Index
This Author published in this journals
All Journal Journal of Management - Small and Medium Enterprises (SME's)
Muhammad Umar Data
Department of Management, Sekolah Tinggi Ilmu Ekonomi Makassar Bongaya
Economics, Econometrics & Finance

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
FINANCIAL LITERACY AND FINANCIAL ATTITUDE IN PREDICTING FINANCIAL MANAGEMENT PERFORMANCE: EVIDENCE FROM EMPLOYEES OF PT BANK SULSELBAR MAKASSAR Muhammad Umar Data; Nurul Alifya; Elyas Albar
Journal of Management Small and Medium Enterprises (SMEs) Vol 19 No 1 (2026): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v19i1.27683

Abstract

This study aims to examine the effect of financial literacy and financial attitude on financial management performance among employees of PT Bank Sulselbar in Makassar. The research adopts a quantitative approach using a survey method, with data collected through questionnaires distributed to employees. The collected data were analyzed using multiple linear regression. The results indicate that financial literacy does not significantly influence financial management performance. Similarly, financial attitude also does not show a significant effect on financial management performance. When examined simultaneously, financial literacy and financial attitude together do not significantly affect financial management performance. These findings suggest that financial knowledge and attitudes alone are not sufficient to explain variations in individuals’ financial management performance. Other factors, such as financial behavior, income level, and financial discipline, may play a more important role in shaping effective financial management practices among employees. Keywords: Financial Literacy; Financial Attitude; Financial Management Performance
Employee productivity in Indonesia's Port Industry: Do Occupational Safety and Health Programs and work discipline matter? Evidence from a case study of PT Pelabuhan Indonesia (Persero) Regional 4, Makassar Muhammad Umar Data; Wa Irna; Muhammad Dedy Miswar; Sigit Sugiarto
Journal of Management Small and Medium Enterprises (SMEs) Vol 19 No 2 (2026): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v19i2.29771

Abstract

Employee productivity plays a fundamental role in enhancing organizational performance, particularly within the port industry, where operational efficiency and dependable service delivery are essential for achieving organizational objectives. This study investigates the effects of Occupational Safety and Health (OSH) programs and work discipline on employee productivity at PT Pelabuhan Indonesia (Persero) Regional 4 Makassar. Adopting a quantitative research approach, data were collected from employees in the Operations and Engineering Division using purposive sampling and analyzed through multiple linear regression to evaluate the influence of the independent variables on employee productivity. The findings indicate that OSH programs do not exert a significant influence on employee productivity, whereas work discipline positively contributes to improving employee productivity. Furthermore, the combined effect of OSH programs and work discipline provides substantial explanatory power in understanding variations in employee productivity. These findings suggest that in organizations with well-established safety management systems, productivity is influenced more strongly by behavioral and managerial factors, particularly employee discipline, than by the direct implementation of OSH initiatives. This study contributes to the human resource management and occupational safety literature by providing empirical evidence from the port industry. In addition, it offers practical implications for managers seeking to enhance employee productivity by strengthening work discipline while maintaining and continuously improving sustainable occupational safety and health management systems. Keywords: Employee Productivity; Occupational Safety and Health; Work Discipline; Human Resource Management; Port Industry
Co-Authors Elyas Albar Muhammad Dedy Miswar Nurul Alifya Sigit Sugiarto Wa Irna