Jayanti S., Suci Etri
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Pengaruh Tingkat Pendidikan, Faktor Usia dan Gender Terhadap Literasi Keuangan Pelaku UMKM di Kota Medan Zalukhu, Rika Surianto; Hutauruk, Rapat Piter Sony; Collyn, Daniel; Jayanti S., Suci Etri; Sinaga, Murbanto; Damanik, Sri Winda Hardiyanti
Accounting Progress Vol. 3 No. 1 (2024): Accounting Progress Edisi Juni 2024
Publisher : Sekolah Tinggi Ilmu Ekonomi Bina Karya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70021/ap.v3i1.166

Abstract

The financial literacy index of the Indonesian population has increased, but on the other hand, the number of cases of illegal online loan scams and online trading fraud due to low financial literacy remains very high. Therefore, efforts are needed to improve the financial literacy of MSMEs based on a deep understanding of the factors influencing financial literacy itself. This study aims to determine the effect of education level, age, and gender on the financial literacy of MSME actors, both partially and simultaneously. The research was conducted on MSME actors in Medan City. The research sample consisted of 100 people. The sampling technique used was simple random sampling. This study used primary data sources. Data were obtained through questionnaires distributed to respondents. The research data were then analyzed using multiple linear regression analysis methods. The analysis results show that the education level has a positive and significant effect on the financial literacy of MSME actors in Medan City. Age has a negative and significant effect on the financial literacy of MSME actors in Medan City. Gender also has a negative and significant effect on the financial literacy of MSME actors in Medan City. Furthermore, education level, age, and gender simultaneously have a significant effect on the financial literacy of MSME actors in Medan City. The direct implication of this study is the need for the development of holistic and inclusive financial education and training programs for MSME actors.
Pengaruh Reward Dan Kepuasan Kerja Terhadap Motivasi Karyawan Pada PTPN IV Afdeling IV Kebun Pabatu Jayanti S., Suci Etri; Damanik, Ayu Zurlaini; Paramita, Dea; Harahap, Roma Syafarela
Management And Business Progress Vol. 4 No. 2 (2025): Management and Business Progress Edisi Desember 2025
Publisher : Sekolah Tinggi Ilmu Ekonomi Bina Karya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70021/mbp.v4i2.261

Abstract

The purpose of this study is to analyze and test the Influence of Reward and Job Satisfaction on Employee Motivation at PTPN IV Afdeling IV Kebun Pabatu. This study uses a quantitative approach. The population in this study were all employees in Afdeling IV Kebun Pabatu, namely 39 employees. The sampling used was the Total Sampling technique. The data source in this study came from primary data, namely from the results of questionnaires filled out directly by respondents and Secondary Data, namely data obtained from other people or through documents. Hypothesis testing in this study Multiple Linear Regression on the SPSS version 25.00 application and analyzed using multiple linear regression techniques. The results of this study indicate that the first hypothesis is accepted, meaning that the Reward variable (X1)does not affect employee Motivation variable (Y). The results of the second hypothesis are accepted, meaning that the Job Satisfaction variable (X2) affects the Employee Motivation variable (Y). Based on the results of the analysis of the third hypothesis, it can be concluded that hypotheses 1 and 2 are accepted, meaning that the Reward variable (X1), Job Satisfaction (X2) simultaneously affect the Employee Motivation variable (Y).