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All Journal Ulul Albab: Jurnal Studi Islam Jurnal Kesehatan Jurnal Informatika dan Teknik Elektro Terapan Jurnal Pendidikan : Riset dan Konseptual GEMA EKONOMI Abdimas Umtas : Jurnal Pengabdian kepada Masyarakat JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Spizaetus: Jurnal Biologi dan Pendidikan Biologi Istinbath : Jurnal Hukum International Journal of Educational Research and Social Sciences (IJERSC) Journal Of World Science Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi Journal of Comprehensive Science Proceeding ISETH (International Summit on Science, Technology, and Humanity) Jurnal Studi Keperawatan Jurnal Pendidikan, Sains dan Teknologi Jurnal MENTARI: Manajemen, Pendidikan dan Teknologi Informasi Indonesian Research Journal on Education Madani: Multidisciplinary Scientific Journal Jurnal Pengabdian West Science Pubmedia Jurnal Penelitian Tindakan Kelas Indonesia Student Research Journal Jurnal Medicare NGARSA: Journal of Dedication Based on Local Wisdom Baileo: Jurnal Sosial Humaniora Jurnal Penelitian dan Pengkajian Ilmiah Jurnal Intelek Dan Cendikiawan Nusantara Jurnal Pendidikan Progresif Journal of Community Service: In Economic, Business, and Islamic Finance Journal of Digital Marketing and Search Engine Optimization Journal of Literary Prose and Society Islamic Counseling and Parenting Journal Jurnal of Psycholinguistics Livestock Science and Innovation Journal Paradigma: Jurnal Filsafat, Sains, Teknologi, dan Sosial Budaya Jurnal Kendali Teknik dan Sains
Nur Alifah
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Digital Financial Inclusion and Its Effect on SME Financial Performance: Evidence from Indonesia Hidayat, Agus Rohmat; Hardiyanto, Feri; Alifah, Nur; Rosdiansjah, Agis Ahmad
GEMA EKONOMI Vol 15 No 1 (2026): GEMA EKONOMI
Publisher : Fakultas Ekonomi Universitas Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36418/gemaekonomi.v15i1.3232

Abstract

Background: Digital financial inclusion (DFI) has emerged as a critical enabler of SME financial performance in developing economies, yet empirical evidence on its direct and mediated effects through organizational capabilities remains limited.Objective: This study aims to examine the direct and indirect effects of digital financial inclusion measured through mobile banking adoption, digital payment systems, and access to digital credit on SME financial performance, with organizational agility and digital transformation capability as mediating variables.Methods: A quantitative research design was employed using data collected from 312 SME owners and managers across four provinces in Indonesia through structured questionnaires. The data were analyzed using Structural Equation Modeling with Partial Least Squares (PLS-SEM).Results: The findings reveal that digital financial inclusion has a significant positive direct effect on SME financial performance (β = 0.412, p < 0.001). Organizational agility partially mediates this relationship (indirect effect β = 0.183, p < 0.01), while digital transformation capability fully mediates the relationship in technology-intensive sub-sectors (indirect effect β = 0.217, p < 0.001).Conclusion: This study highlights the strategic role of digital financial inclusion in enhancing SME performance through organizational capabilities. The results contribute to fintech and SME development literature and provide practical implications for policymakers to bridge the digital finance gap in emerging markets.
Analisis Keselamatan dan Kesehatan Kerja (K3) pada Pemeliharaan Kubikel 20 kV di Gardu Distribusi PLN Alifah, Nur; Bagus Dwi Cahyono
Jurnal Kendali Teknik dan Sains Vol. 1 No. 4 (2023): Oktober: Jurnal Kendali Teknik dan Sains
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59581/jkts-widyakarya.v1i4.1235

Abstract

Occupational Safety and Health  (OHS) is a crucial aspect in energy infrastructure maintenance operations, such as Distribution Substations (GD) owned by PLN. Cubicle maintenance work at GD PLN is a critical activity that involves high risks to worker safety and health and has an impact on the continuity of electricity supply.   This study aims to analyze the application of K3 to 20 kV  cubicle maintenance work at GD PLN. Through a qualitative approach, data are obtained based on observation, interviews and  literature studies. The results showed that the application of K3 was obtained through  safety briefing activities  and  K3 documentation which included SOPs, inspectors, HIRARC and JSA. While the maintenance process  of  the 20 kV  cubicle includes preparation, implementation and completion.
PERAN TEKNOLOGI INPUT/OUTPUT DALAM PENGEMBANGAN PERANGKAT KERAS DAN PERANGKAT LUNAK KOMPUTER Nur Alifah; Gelen Veranda Deanda; Juniwan Juniwan; Didik Aribowo
Jurnal Kendali Teknik dan Sains Vol. 1 No. 4 (2023): Oktober: Jurnal Kendali Teknik dan Sains
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59581/jkts-widyakarya.v1i4.1492

Abstract

Abstrak. Teknologi input/output (I/O) memegang peranan penting dalam perkembangan perangkat keras dan perangkat lunak komputer modern. Pesatnya perkembangan teknologi I/O telah memungkinkan komputer menjadi lebih interaktif, lebih cepat, dan lebih efisien dalam memproses informasi. Pada proses I/O terdapat perangkat keras dan perangkat lunak yang berfungsi sebagai media menghasilkan data. Perangkat keras dan perangkat lunak saling terkait dan saling mendukung dalam operasi komputer. Penelitian ini bertujuan menganalisis peran teknologi I/O pada perangkat keras dan perangkat lunak berdasarkan perkembangannya. Teknologi I/O merujuk pada cara komputer berinteraksi dengan dunia luar melalui masukan dan keluaran. Data diperoleh beradasarkan studi pustaka dengan menggunakan referensi dari berbagai sumber. Metode penelitian ini bertujuan untuk memahami kerangka pengetahuan yang sudah ada tentang judu, mengidentifikasi dan mendukung atau merinci argument. Berdasarkan literatur yang sudah ada, hasil penelitian menunjukkan peran teknologi I/O pada perangkat keras dan perangkat lunak sangat berpengaruh pada perkembangannya dapat dilihat dari kinerja perangkat keras yang lebih baik, inovasi dalam perangkat keras yang terus berkembang dan perkembangan perangkat lunak yang lebih maju. Abstract. Input/output (I/O) technology plays an important role in the development of modern computer hardware and software. The rapid development of I/O technology has allowed computers to become more interactive, faster, and more efficient in processing information. In the I/O process, there are hardware and software that function as a medium to produce data. Hardware and software are interrelated and support each other in computer operations. This study aims to analyze the role of I/O technology in hardware and software based on its development. I/O technology refers to the way a computer interacts with the outside world through inputs and outputs. Data is obtained based on literature studies using references from various sources. This research method aims to understand the existing framework of knowledge about judu, identify and support or detail arguments. Based on existing literature, the results show the role of I/O technology in hardware and software is very influential on its development can be seen from better hardware performance, innovation in hardware that continues to develop and more advanced software developments.
Co-Authors Adelia Adelia, Adelia Agis Ahmad Rodiansjah Agus Gilang Hermawan Agus Rohmat Hidayat Ahmad Rodiansjah, Agis Ahmad, Aktsar Roskiana Aji, Darojat Laksito Ali Mutafi Amanda, Feby Adelia Ana Pratiwi, Ana Andika Cahya Febriawan Anggraini Dwi Kurnia Anton, Secendry R. Ardhika Achmad Gustama Asiah, Sindi Nur Astuti, Nuning Audhain, M Da’i Ayu, Rani Basso, Siska Bin Benny Afwadzi, Benny Cecep Agus Chamdani, Yusup Dagonala, Ube Desmira Desmira, Desmira Didik Aribowo Dina, Aulia Rahma Dwi Cahyono, Bagus Elan Maulani, Isma Elfriza Putri Indrayanti Fahmi, Cahyaning Azami FAISAL HARIS Feri Hardiyanto Gelen Veranda Deanda Gubayana, Hansen Hakim, Faisal Hasanah, Suci Hasria Alang Hasriyanti Hidayati, Tutik Huda, Ghisma Nur Iman, Atep Islamawati, Islamawati Julian Muhammad Zaky Juniwan Juniwan Kadir Kadir Khairi Hakim, Fachri Rajib Khairul Umam Lailatul Masruroh Lativah, Evi Lestari, Anisa Ayu Dwi Mannan, Abdul Marpani, Marpani Meilinda, Vivi Muammar Fawwaz Muhammad Hafis murdiyanto, joko Nafisa, Amilatun Naufal, Nabil Nendi, Ikhsan Novitasari, Rossalina Nur Fadhilah Amir Fadhilah Amir Amir Nur Melizza Nuraeni Salsabila, Irma Nurfitraini Nurhidayati, Eni Nuriatullah Nurilla Kholidah Nurwijayanti Oga Laksana, Medika Orizativa Jami Paz, Luciana Perdiansah, Edli Prayoga, Garlan Putri Andini Maulana Rahmat, Alif Ramadhan, Fatih Humam Ria Lestari, Ria Rizky Sabili Salam Rodiansjah, Agis Ahmad Roibin Rosdiansjah, Agis Ahmad Saflesa, Arius Tonce Saona Saona, Saona Sa’adah, Siti Naila Sella, Nursella Anggraini Sheilla Ayu Aqillah Sitaba, Niska E Siti Rohimah Sofyan, Syaakir Sugeng Hermanto, Sugeng Syakirah Teguh Wahyudi Wahyudi Tiara Aprilia Kulsum Tristiyanto, Edy Utami, Ana Fajri Viviani, Risma Wahida Yuliana Wahyu Hidayat Wardana, Iga Warijan Warijan Wisni, Anggrieni Yusrina Syirly Salsabil Azzahra Zuhriyah, Nabilaa Faizatuz