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Literasi Keuangan, Toleransi Risiko, dan Pengelolaan Keuangan Pelaku Usaha Mikro Hirawati, Heni; Sijabat, Yacobo P; Giovanni, Axel
Society Vol 9 No 1 (2021): Society
Publisher : Laboratorium Rekayasa Sosial, Jurusan Sosiologi, FISIP Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/society.v9i1.277

Abstract

Micro-enterprises have a significant role in the country’s economy. However, business owners must face various problems to develop their business. One of the problems is the limited funding for micro-enterprises due to the low financial literacy of business owners. In addition, the business owner’s tolerance for risk is also expected to affect the financial management of micro-enterprises. This study aims to determine the level of financial literacy and tolerance of business owners and the financial management of micro-enterprises. This research method uses a questionnaire distributed to micro-enterprise owners in Central Java Province and Yogyakarta Special Region. The results showed that the level of financial literacy of micro-enterprise owners was in the medium category. Micro-enterprise owners have a neutral attitude towards risk and are not individuals who dare to take risks but do not avoid risk. Financial management carried out by business owners is still in the poor category. Improvement of financial literacy, understanding of risks, and financial management of micro-enterprises still need to be done.
PENGARUH SELF-EFFICACY, SELF-ESTEEM DAN EMPLOYEE ENGAGEMENT TERHADAP KINERJA KARYAWAN PADA PERUSAHAAN DAERAH AIR MINUM KOTA MAGELANG Santri, Salfia Putri Dewina; Verawati, Dian Marlina; Giovanni, Axel
Among Makarti Vol 16, No 1 (2023): AMONG MAKARTI
Publisher : STIE AMA Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52353/ama.v16i1.441

Abstract

Sebagai salah satu perusahaan pada pelayanan publik, PDAM Kota Magelang tentunya membutuhkan sumber daya manusia yang menghasilkan kinerja maksimal untuk perusahaan. Namun, kinerja karyawan pada PDAM Kota Magelang belum optimal yang ditunjukkan dari keluhan pelanggan yang naik turun dan target karyawan yang tidak tercapai. Penelitian ini bertujuan untuk mengidentifikasi pengaruh self efficacy, self esteem dan employee engagement terhadap kinerja karyawan pada PDAM Kota Magelang. Metode penelitian ini kuantitatif dengan desain penelitian asosiatif. Teknik pengambilan sampel yaitu sample random sampling dengan jumlah 67 responden menggunakan rumus Slovin. Teknik analisis data yang digunakan adalah analisis regresi linear berganda. Hasil uji t menunjukkan bahwa secara parsial self efficacy, self esteem dan employee engagement berpengaruh positif dan signifikan terhadap kinerja karyawan. Hasil uji F menunjukkan bahwa self efficacy, self esteem dan employee engagement secara simultan berpengaruh terhadap kinerja karyawan pada PDAM Kota Magelang. PDAM Kota Magelang dapat mempertimbangkan aspek self efficacy, self esteem dan employee engagement dalam meningkatkan kinerja karyawan.
The Phenomenon of MSMEs Performance in Magelang City During the Pandemic COVID-19 Lionora, Clarisa Alfa; Yacobo P. Sijabat; Heni Hirawati; Hartono, Budi; Axel Giovanni
KINERJA Vol. 26 No. 2 (2022): KINERJA
Publisher : Faculty of Business and Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/kinerja.v26i2.5692

Abstract

Micro, Small, and Medium Enterprises (MSMEs) have a fundamental role in the regional economy as well as the national economy. This study aims to provide empirical evidence regarding the performance variability of MSMEs during the COVID-19 pandemic. The research population is all MSMEs in Magelang City. The research sample was 7,924 MSMEs obtained through purposive sampling. This study uses descriptive statistical analysis. The results and discussion show that the City of Magelang, from an economic perspective, has a fairly stable economic condition from 2015 to 2019. However, the COVID-19 pandemic in 2020 put the economy of Magelang City in a recession phase. Nevertheless, the competitiveness of Magelang City in 2020 has increased compared to 2019. The analysis of the variability of the performance of MSMEs shows that the South Magelang District has the lowest turnover of MSMEs. Central Magelang Subdistrict has the highest MSME turnover value. South Magelang Subdistrict has the highest average turnover of MSME compared to the average turnover of MSME in North Magelang and Central Magelang Districts.
PENGARUH SELF-EFFICACY DAN WORKLOAD TERHADAP TURNOVER INTENTION MELALUI WORK LIFE BALANCE SEBAGAI MEDIASI (Studi Empiris Pada PT Putra Albasia Mandiri) Ahmad Shobirin; Dian Marlina Verawati; Axel Giovanni
Modus Vol. 35 No. 2 (2023): Vol. 35 No. 2 (2023): MODUS
Publisher : Faculty of Business and Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/modus.v35i2.7330

Abstract

Company goals cannot be realized without the involvement of human resources so human resources can be the key to success and the company's capital to have a competitive advantage. The important role of human resources makes companies need to pay attention and manage employees well so that competent employees in the company do not leave the company because they have turnover intention due to a lack of company attention. PT Putra Albasia Mandiri has an employee turnover phenomenon of 26.66% in the 2017-2021 period. This study aims to provide empirical evidence regarding the role of self-efficacy and workload on turnover intention through work-life balance. The objects in this study were production employees of PT Putra Albasia Mandiri. The sampling method used simple random sampling with a total sample of 171 employees. Data analysis was performed using structural equation modeling and the Sobel test. The results of the study provide empirical evidence that self-efficacy affects work-life balance. Workload affects work-life balance. Self-efficacy does not affect turnover intention. Workload does not affect turnover intention. Self-efficacy and workload affect turnover intention through work-life balance. Work-life balance acts as a full mediation in this study. Based on these findings, companies must be more proactive in managing employees to avoid turnover intention and look for other jobs. Employee turnover intention must receive special attention from the company so that there is no trend of high employee turnover from year to year. Keywords: Self-Efficacy, Workload, Work-Life Balance, Turnover Intention. Tujuan perusahaan tidak dapat terwujud tanpa adanya keterlibatan dari sumber daya manusia, sehingga sumber daya manusia dapat menjadi kunci kesuksesan dan modal perusahaan untuk memiliki keunggulan kompetitif. Peran penting sumber daya manusia membuat perusahaan perlu memberikan perhatian dan mengelola karyawan dengan baik, supaya karyawan yang berkompeten di perusahaan tidak keluar dari perusahaan karena mempunyai turnover intention akibat kurangnya perhatian perusahaan. PT Putra Albasia Mandiri memiliki fenomena turnover karyawan sebesar 26,66% dalam kurun waktu 2017-2021. Penelitian ini bertujuan untuk memberikan bukti empiris mengenai peran self-efficacy dan workload terhadap turnover intention melalui work-life balance. Objek dalam penelitian ini adalah karyawan produksi PT Putra Albasia Mandiri. Metode pengambilan sampel menggunakan simple random sampling dengan jumlah sampel sebanyak 171 karyawan. Analisis data dilakukan dengan menggunakan structural equation modelling dan uji Sobel. Hasil penelitian memberikan bukti empiris bahwa self-efficacy berpengaruh terhadap work-life balance. Workload berpengaruh terhadap work-life balance. Self-efficacy tidak berpengaruh terhadap turnover intention. Workload tidak berpengaruh terhadap turnover intention. Self-efficacy dan workload berpengaruh terhadap turnover intention melalui work-life balance. Work-life balance berperan sebagai full mediation dalam penelitian ini. Berdasarkan hasil temuan ini, perusahaan harus lebih proaktif dalam mengelola karyawan untuk menghindari turnover intention dan mencari pekerjaan lain. Turnover intention karyawan harus mendapatkan perhatian khusus oleh perusahaan agar tidak terjadi tren turnover karyawan yang tinggi dari tahun ke tahun. Kata kunci: self-efficacy; workload; work-life balance; turnover intention.
The Nexus Between ESG and Disaster Risk Resilience: Strengthening Financial Stability and Sustainable Development Axel Giovanni; Jihad Lukis Panjawa; Kartika Pradana Suryatimur; Ika Amalia Nurunnisa; Siti Lailatul Khusna
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 5 (2025): JIMKES Edisi September 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i5.4031

Abstract

Natural disasters pose significant economic and social challenges, particularly in vulnerable regions, necessitating strategies to enhance resilience. This study explores the relationship between Environmental, Social, and Governance practices and disaster risk resilience in financial institutions. The objective is to understand how these practices strengthen financial stability and sustainable development in high-risk environments. A systematic literature review was conducted using the Preferred Reporting Items for Systematic Reviews and Meta-Analyses extension for Scoping Reviews model, analyzing relevant articles from the Scopus database. Findings reveal that integrating Environmental, Social, and Governance practices enables financial institutions to conduct comprehensive risk assessments, leading to informed lending and investment decisions. These practices enhance resilience by mitigating financial shocks from disasters, fostering stakeholder relationships, and promoting sustainable investments. The study concludes that adopting Environmental, Social, and Governance principles significantly bolsters financial institutions' capacity to manage disaster risks, ensuring long-term stability and supporting sustainable development. However, challenges such as regional regulatory differences and data limitations highlight the need for further research to optimize these practices globally. This underscores the critical role of Environmental, Social, and Governance frameworks in building resilient financial systems.
Co-Authors 12.520.20.206 Shinta Ratnawati, 12.520.20.206 Adam Rizki Pratama Afifawati, Nisrina Afrizal Dimas Ibrahim Ahmad Shobirin Ahmad Shobirin Aldo Arul Hermawan Alief Rizaldi Alifa Jauzaa Alifa Jauzaa Alifaa Jauzaa Anak Agung Istri Sri Wiadnyani Ananda, Emmaculata Sac Cid Anggraeni, Yuniar Fitri Aprilia, Vierda Dwi Asanik Asanik Asih Ariyanti Asri Khayati Asri Khayati Asri Khayati Astuti, Nur Afifah Hindriyani Aulia Rahma Khusnul Khotimah Aviana Devita Budi Hartono Budi Hartono Budi Rahardjo Budiani, Dina Candra Kurnia Saputri Clarisa Alfa Lionora Clarisa Alfa Lionora Devi Santi Devi Wahyu Utami Devi Wahyu Utami Devi Wahyu Utami Dewantara, Ghiyats Furqan Dinda Putri Murtiningtyas Dinda Putri Murtiningtyas Dwi Wahyu Lestari Eka Widiyaningrum Erman Denny Arfianto Fadlilah, 'Atikah Nur Fajrin, Nurul Afisa Fakhrurozi, Ahmad Khusein Fandhilah, Laisa Sofiana Nur Fania Fania Fania Fania Fina Khoirotul Badi’ah Fitriana, Yenny Reiza Fitriani, Maulida Eka Haelin Nur Defita Hanifah Soma Pandya Hanung Eka Atmaja Harjum Muharam hirawati, heni Ibnu Nur Hamzah Ika Amalia Nurunnisa JANAH, NURUL Jihad Lukis Panjawa Jihad Lukis Panjawa Juniar Perbawani Kartika Pradana Suryatimur Khairul Ikhwan Khasanah, Lia Kurniasari, Erika Laisa Sofiana Nur Fandhilah Lathif, Muhammad Zaki Malik Abu Yazid Michael Jeffri Sinabutar Muhammad Adi Nugrahatama Muhammad Albi Maulana Muhammad Ferdy Firmansyah Muhammad Rafqi Nurulhaq Musthafa, Afif Nava Yansi Anggraeni Nibras Anny Khabibah Nisrina Afifawati Nizhaty, Putri Zahra Novi Sintya Dewi Novitaningtyas, Ivo Nurunnisa, Ika Amalia Pradito, Andika Dwi Prakoso, Jalu Aji Pratama, Arfananda Dias Pratiwi, Anggi Saktiya Putri, Namira Rahma Retno Siwi Nastitiningrum Rika Ernawati Rika Ernawati Rindho , Roe Nur Ahmad Roro Diyah Puspita Sari Roro Diyah Puspita Sari Santri, Salfia Putri Dewina Satrio Tegar Sadewo Sholeh Nur Rohmat Sijabat, Yacobo Sijabat, Yacobo P Sijabat, Yacobo P. Sikni Aini Widadti Siti Lailatul Khusna Siti Marwiyah Sufi Citra Pratiwi Sugiharti, Retno Suryatimur, Kartika Pradana Suwono, Priyo Thesya Yuzevin Tsalis Baiti Nur Andayani Umi Dwi Astuti Umi Dwi Astuti Utami, Devi Wahyu Verawati, Dian Verawati, Dian Marlina Veronica Novelia Pretty Puji Hartati Wibawa, Athfin Ghani Widayanti, Ipuk Wildan Yudhanto Witantri, Galuh Yacobo P Sijabat Yacobo P Sijabat Yacobo P. Sijabat Yacobo P. Sijabat Yoga Aji Kusuma