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All Journal Journal of Economics, Business, & Accountancy Ventura JURNAL MANAJEMEN MOTIVASI Jurdimas (Jurnal Pengabdian Kepada Masyarakat) Royal Jurnal Samudra Ekonomi dan Bisnis
Iramani, Iramani
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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SME’s financial literacy: An overview based on demographic aspects Iramani, Iramani; Suryani, Tatik; Lindiawati, Lindiawati
Journal of Economics, Business, and Accountancy Ventura Vol. 20 No. 3 (2017): December 2017 - March 2018
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v20i3.1098

Abstract

This study attempts to examine the financial literacy level of SME’s owner in East Java based on demographic aspect. The sample was taken from 65 SME’s in East Java which produce prominent local product. The data were collected by using survey method and deep interview. They were analyzed using descriptive explorative and also cross tabulation for examining SME’s financial literacy based on demographic attribute. Research found that that the financial literacy score of SME’s owner in East Java is good enough, where they have average score 55.8 with the same score of median and mode 66.7. Majority weakness of SME’s owner is the literacy on SME understanding of net asset and insurance premium. Otherwise, whole SME’s owner is fully understood that financial knowledge is so useful for the SME. Other finding shows that there is a relationship between financial literacy’s level and SME’s owner on demographic aspect such as gender, education, the business time established. It can be concluded that demographic aspects determine the financial literacy level of SME’s owner
Training and Assistance in the Implementation of Interactive Learning Media and Utilization of Technology by Using the Wordwall Application Fitrani, Laqma Dica; Al Hafidz, Mohammad; Muazaroh, Muazaroh; Iramani, Iramani; Karyawan, M Anang
Jurdimas (Jurnal Pengabdian Kepada Masyarakat) Royal Vol. 6 No. 3 (2023): Juli 2023
Publisher : STMIK Royal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33330/jurdimas.v6i3.2269

Abstract

One of the impacts of the Covid-19 Pandemic is the change of learning process in elementary schools from offline learning to online learning. The results of the observations at Al-Khoiriyyah islamic elementary school show that partners still had difficulties in utilizing information technology facilities besides there was also a decrease in the enthusiasm of teachers and students in the learning process. The community service team offers solutions by providing training related to interactive learning media and the utilization of technology using the wordwall application. The wordwall application can attract the enthusiasm of teachers and students in the learning process by utilizing various features. This training was attended by 8 participants located at UHW Perbanas on June 24, 2022. The methods used were discussion, independent practice, and evaluation obtained from filling out the pre-test and post-test. The results of the training and mentoring show that 100% of the training participants are able to use wordwalls. The learning media using this wordwall had a significant effect and this was shown by the practical results of each participant who successfully completed the tasks given by the community service team which is 8 participants successfully made a quiz using the wordwall application.
Determinasi Perilaku Menabung melalui Literasi Keuangan, Inklusi Keuangan, dan Pendapatan: Bukti Empiris dari UNPAZ Timor-Leste Leto, Longuinhos Armando Silveira Idalina; Iramani, Iramani
Jurnal Samudra Ekonomi dan Bisnis Vol 17 No 2 (2026): JSEB
Publisher : Fakultas Ekonomi dan Bisnis Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jseb.v17i2.14147

Abstract

The study analyzes the impact of financial literacy, financial inclusion, and income levels on the savings behavior of lecturers and staff at the University of Paz (UNPAZ) in Timor-Leste. The methodology used was quantitative, with a survey conducted on 120 respondents selected through proportional random sampling. Data were analyzed using structural equation modeling–partial least squares (SEM-PLS). The results showed that financial inclusion and income substantially influence savings behavior, although financial literacy did not have a significant effect. These findings indicate that in addition to financial knowledge, structural and economic variables such as access to financial services and income significantly influence savings behavior. These findings emphasize the importance of increasing financial inclusion by facilitating access to formal financial services as a more effective and sustainable approach to encouraging savings behavior.
The Influence of Meaningful Work and Work Motivation on Performance with Organizational Commitment as an Intervening Variable Laili, Nihayah Rohmatul; Iramani, Iramani; Yulianti, Emma
JURNAL MANAJEMEN MOTIVASI Vol 21 No 2 (2025): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v21i2.8257

Abstract

This study aims to examine the effect of meaningful work and work motivation on employee performance, as well as the mediating role of organizational commitment in this relationship. Adopting a quantitative approach, the research population consisted of 382 employees from public health centers (Puskesmas) in the Central Surabaya Region. A sample size of 195 respondents was selected, with data collected using a Likert scale questionnaire. Data analysis was performed using descriptive inferential analysis and path analysis via PLS-SEM with SmartPLS 4 software to test seven hypotheses. The results indicate that meaningful work significantly and positively influences both employee performance and organizational commitment. Similarly, work motivation has a significant positive effect on organizational commitment and employee performance. However, organizational commitment itself does not have a significant effect on employee performance. Furthermore, organizational commitment, when acting as a mediating variable between meaningful work or work motivation and employee performance, was found to have an insignificant effect. Keywords: Meaningful work; Work motivation; Performance; Commitment
Co-Authors Emma Yulianti Fitrani, Laqma Dica Karyawan, M Anang Laili, Nihayah Rohmatul Leto, Longuinhos Armando Silveira Idalina Lindiawati, Lindiawati Mohammad Al Hafidz Muazaroh . Tatik Suryani