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All Journal Edusight International Journal of Multidisciplinary Studies (EIJOMS) Jurnal Dinamika Manajemen Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Hardi Utomo
STIE AMA Salatiga
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

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Peran Literasi Keuangan dalam Memoderasi Hubungan Antara Modal Usaha dan Digital Marketing Terhadap Kinerja UMKM Budi Riyanti; Hardi Utomo; Rindu Ajeng Wiganingtyas
Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis Vol. 6 No. 1 (2026): Maret : Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jaemb.v6i1.8821

Abstract

The Indonesian government has supported MSMEs through initiatives such as business loans, training, and digitalization programs to enhance competitiveness. However, many MSMEs still struggle to manage capital effectively and to utilize digital marketing technology due to low financial literacy and limited digital skills. This study aims to analyze the impact of venture capital and digital marketing on MSME performance and to examine the role of financial literacy in moderating the relationship between venture capital and digital marketing. The research population consisted of 26.601 MSMEs in Salatiga, and the sample size was determined using the slovin formula, resulting in 100 respondents. The analytical tool used was Moderating Structural Equation Modeling (PLS) with a moderation model. Research variables were operationalized using 17 indicators. The results indicate that venture capital positively affects MSME performance, while digital marketing has no significant effect. Financial literacy morerates the relationship between venture capital and MSME performance, but  does not moderate the relationship between digital marketing and MSME performance. Practically, the findings provide regulatory implications: 1) the government should collaborate with banking institutions to create regulations that facilitate easier access to capital for MSMEs, and 2) the government should expand digital marketing training and, if necessary, offer mentoring to ensure MSMEs can optimally implement digital marketing, thereby supporting the goal of “Digital Indonesia 2025”
THE ROLE OF WORK CULTURE, WORK MOTIVATION, WORK ENVIRONMENT AND COMPETENCE IN INFLUENCED EMPLOYEE PERFORMANCE IN ARGOMULYO DISTRICT, SALATIGA CITY Ponco Margono Hasan; Mada Adi Wibowo; Hardi Utomo; Erna Sudarmawanti
Edusight International Journal of Multidisciplinary Studies Vol. 2 No. 3 (2025): Edusight International Journal of Multidisciplinary Studies
Publisher : Yayasan Meira Visi Persada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69726/eijoms.v2i3.186

Abstract

This study aims to find out the simultaneous influence of work culture, work motivation, work environment, and competence in influenced employee performance in Argomulyo District, Salatiga City, both partially and simultaneously. Population of the study was 68 workers in Argomulyo District. This research method was explanatory, and the data analysis methods used were validity testing, reliability testing, multiple linear regression analysis, t-tests, F-tests, and coefficient of determination tests. Based on the t-test and F-test, it was found that both the partial and simultaneous too for influence of work culture, work motivation, work environment, and competence on employee performance were hypothesized to be accepted. The magnitude of the influenced of work culture (X1), work motivation (X2), work environment (X3), and competence (X4) simultaneously or collectively on employee performance (Y) in Argomulyo District is evidenced by the Adjusted R Square that value of 0.549, which means that X1, X2, X3, and X4 simultaneously influenced employee performance (Y) by 54.9%, while the remain 45.1% is influence by other variables.
AI-Driven HRM and Employee Well-Being in a Multigenerational Workforce: The Moderating Role of Diversity, Equity, and Inclusion Yanuar Surya Putra; Hardi Utomo; Budi Riyanti
Jurnal Dinamika Manajemen Vol. 17 No. 2 (2026): September
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jdm.v17i2.49941

Abstract

This study aims to examine the effect of AI-driven human resource management (AI-driven HRM) on multigenerational employee well-being, assess the moderating role of diversity, equity, and inclusion (DEI), and identify differences in these relationships across Generations X, Y, and Z. This quantitative study surveyed 400 industrial employees in Salatiga, Indonesia, comprising 118 Generation X, 144 Generation Y, and 138 Generation Z respondents. Data were collected using a five-point Likert questionnaire and analyzed using Partial Least Squares Structural Equation Modeling, moderation analysis, and Multi-Group Analysis (MGA). The results show that AI-driven HRM has a positive and significant effect on multigenerational employee well-being (β = 0.383; p < 0.001) and the model explains 61.5% of its variance. DEI significantly strengthens the relationship between AI-driven HRM and employee well-being (β = 0.190; p < 0.001). MGA confirms significant generational differences, with the direct effect weakest in Generation X (β = 0.21) and strongest in Generation Z (β = 0.52), while the moderating effect of DEI is also strongest in Generation Z. The study concludes that AI-driven HRM effectiveness depends on inclusive organizational conditions and generational interpretation, highlighting the importance of human-centered and equitable AI implementation.
Co-Authors Budi Riyanti Erna Sudarmawanti Mada Adi Wibowo Ponco Margono Hasan Rindu Ajeng Wiganingtyas Yanuar Surya Putra