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Journal : Al-Kharaj: Jurnal Ekonomi, Keuangan

Pengaruh Pelatihan dan Pengembangan terhadap Kinerja Karyawan dengan Motivasi sebagai Variabel Intervening: Studi Kasus di PT. Perkebunan Nusantara IV Regional 1 Kebun Gunung Monako Nurlita Utari; Irfan; Suwadi; Willy Cahyadi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 6 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i6.8441

Abstract

This study aims to evaluate the influence of Training and Development on Employee Performance with Motivation as an intervening variable at PT. Perkebunan Nusantara IV Regional 1 Kebun Gunung Monako. The sample was selected using purposive sampling, with criteria being field employees who have participated in training and development programs, specifically harvesters, totaling 30 individuals. Primary data was collected through questionnaires using a Likert scale (1–5) to measure the variables of Training, Development, Motivation, and Employee Performance. Secondary data was obtained from the company's internal documentation. Data analysis was conducted using the Inner Model test in the Structural Equation Modeling (SEM) technique with the SMART PLS software to examine the relationships among latent variables in the structural model, aiming to test the relationships and measure the strength and significance of the existing paths. The data analysis in this research is quantitative. The results show that: Training does not affect Employee Performance; Training does not affect Motivation; Development does not affect Employee Performance; Development does not affect Motivation; Motivation does not significantly affect Employee Performance; Training does not affect Employee Performance through Motivation as an intervening variable; and Development does not affect Employee Performance through Motivation as an intervening.
E-MUL: Model Edukasi Digital untuk Meningkatkan Literasi Keuangan dan Pendapatan UMKM Berbasis Mobile Learning di Kabupaten Sedang Bedagai Yenni Arfah; Suwadi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 11 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i11.9792

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a vital role in the Indonesian economy, including in Serdang Bedagai Regency, making this sector a key driver of local economic growth. However, most female MSMEs still face challenges in financial literacy, particularly in cash flow recording, capital management, and financing decision-making. This study aims to develop a Green Economy-based Digital Microfinance conceptual model designed to improve financial literacy and strengthen access to capital for female MSMEs in rural areas. The method used is Research and Development (R&D), which includes problem identification, literature review, model design, and limited trials. The results show that the developed model combines three main components: (i) microfinance literacy, which improves transaction recording skills by up to 30% with an average increase in literacy scores of 22%; (ii) integration of green economy principles, which encourages 65% of business actors to consider resource efficiency and environmental sustainability practices; and (iii) a mobile learning approach, which was positively appreciated by 88% of respondents because it provides flexible access and accelerates material understanding. Overall, this model has proven relevant in addressing the financial literacy needs of women-led MSMEs in rural areas, while also offering a new direction in empowering micro-enterprises oriented toward sustainability.