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Khusnah, Hidayatul
Universitas Nahdlatul Ulama Surabaya, Jawa Timur, Indonesia
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Peran Mediasi Green Innovation Pada Pengaruh Human Capital Terhadap Kinerja Bisnis UMKM Surabaya Ula, Fitrotul; Khusnah, Hidayatul; Anugraini, Mardiyah; Anshori, Mohamad Yusak
DIALEKTIKA: Jurnal Ekonomi dan Ilmu Sosial Vol 8 No 2 (2023): Dialektika : Jurnal Ekonomi dan Ilmu Sosial
Publisher : Prodi Manajemen Fakultas Ekonomi dan Bisnis Universitas Islam Raden Rahmat Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36636/dialektika.v8i2.3272

Abstract

The purpose of this study was to determine the effect of the mediating role of green innovation on the influence of human capital on business performance in MSMEs in Surabaya. The population in this study were all MSMEs in Surabaya in the accommodation and food and beverage provider sector, while the samples were taken using purposive sampling with special criteria, namely MSMEs that had been operating for more than 1 year. The data collection method uses a questionnaire in the form of a Google form and is distributed online to respondents. The number of respondents who met the criteria in the study were 100 respondents. This study uses the WarpPLS 8.0 application to assist in analyzing. The data analysis technique used is the outer model (validity test and reliability test), inner model (determinant coefficient, Q-squared and effect size), and hypothesis testing. The empirical results of this study indicate that human capital has a positive and significant effect on business performance and green innovation. Green innovation has a positive and significant effect on business performance. Furthermore, green innovation is able to mediate human capital on business performance.
Optimalisasi komunikasi pemasaran digital bagi UMKM di Karangrejo, Kediri Karya, Denis Fidita; Anshori, Mohamad Yusak; Mardhotillah, Rachma Rizqina; Adinugroho, Mukhtar; Zhulqurnain, Mohamad Rijal Iskandar; Khusnah, Hidayatul
Indonesia Berdaya Vol 4, No 4 (2023)
Publisher : UKInstitute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47679/ib.2023622

Abstract

Kediri, salah satu kota di Jawa Timur, memiliki UMKM yang beragam, tetapi juga menghadapi masalah serupa. Pemerintah setempat telah berupaya meningkatkan kinerja UMKM melalui akses keuangan lebih mudah dan promosi produk. Namun, di desa Karangrejo, Kediri, UMKM menghadapi kendala keterbatasan akses keuangan, kurangnya pengetahuan manajemen, dan kurangnya pengembangan bisnis. Untuk mengatasi ini, Tim Pengabdian Masyarakat FEBTD UNUSA membantu dengan pelatihan dan pengembangan strategi, terutama dalam bidang Marketing Communication (MarCom). MarCom adalah alat penting untuk mempromosikan produk UMKM. Ini mencakup branding, komunikasi pemasaran, hubungan pelanggan, promosi langsung, dan konten pemasaran. Dalam dunia digital, MarCom digital menjadi kunci sukses. Ini membantu UMKM menjangkau pasar yang lebih luas, efisien biaya, meningkatkan brand awareness, menargetkan konsumen tepat, dan memungkinkan pengukuran yang akurat. UMKM di Karangrejo, Kediri, memiliki masalah manajemen, kurangnya strategi pemasaran, dan keterbatasan dana. Mereka perlu memperkuat manajemen, mengembangkan strategi pemasaran, mencari sumber dana tambahan, memanfaatkan teknologi, dan melakukan riset pasar yang lebih baik. Dukungan dari pemerintah, sektor swasta, dan masyarakat penting untuk membantu UMKM mengatasi tantangan ini. Melalui upaya bersama, UMKM di Karangrejo dapat tumbuh dan berkontribusi lebih besar terhadap pertumbuhan ekonomi nasional. Abstract: Kediri, a city in East Java, has a variety of MSMEs, but also faces similar problems. The local government has made efforts to improve the performance of MSMEs through easier access to finance and product promotion. However, in Karangrejo village, Kediri, MSMEs face limited financial access, lack of management knowledge, and lack of business development. To overcome this, the FEBTD UNUSA Community Service Team helps with training and strategy development, especially in the field of Marketing Communication (MarCom). MarCom is an important tool for promoting MSME products. This includes branding, marketing communications, customer relations, direct promotion and content marketing. In the digital world, MarCom digital is the key to success. This helps MSMEs reach a wider market, is cost efficient, increases brand awareness, targets the right consumers, and enables accurate measurement. SMEs in Karangrejo, Kediri, have management problems, lack of marketing strategies, and limited funds. They need to strengthen management, develop marketing strategies, seek additional funding sources, utilize technology, and conduct better market research. Support from the government, the private sector and the community is important to help MSMEs overcome this challenge. Through joint efforts, MSMEs in Karangrejo can grow and contribute more to national economic growth.
Penalaran Moral Pada Whistleblowing: Efek Religiusitas Sebagai Pemoderasi Khoiriyah, Luluk; Khusnah, Hidayatul; Primasari​ ​, Niken Savitri
JURNAL AKUNTANSI DAN MANAJEMEN Vol 9 No 2 (2025): Accounting and Management Journal
Publisher : Universitas Nahdlatul Ulama Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/amj.v9i2.8181

Abstract

Penelitian ini bertujuan untuk menguji pengaruh penalaran moral dengan moderasi religiusitas yang dapat memperkuat proses pengambilan keputusan whistleblowing berdasar model pengambilan keputusan etis terintegrasi (I-EDM Model) yang diusulkan oleh Schwartz (2016). Penelitian ini juga mengintegrasikan teori pertukaran sosial (Social Exchange Theory/SET) yang dikembangkan oleh George C. Homans dan Peter Blau (1961). Sampel penelitian ini adalah 40 orang pegawai keuangan unit usaha di bawah Yayasan RS. Islam Surabaya. Teknik analisis data menggunakan partial least square. Penelitian ini membuktikan bahwa penalaran moral berpengaruh positif terhadap whistleblowing. Penelitian ini juga membuktikan bahwa efek religiusitas dapat memperkuat pengaruh penalaran moral terhadap pengambilan keputusan untuk melakukan whistleblowing.
THE MEDIATING EFFECT OF FINANCIAL TECHNOLOGY USAGE ON THE INFLUENCE OF FINANCIAL LITERACY ON THE FINANCIAL BEHAVIOR OF GEN Z IN SURABAYA Sulistijono, Nur Ainina; Khusnah, Hidayatul
Jurnal Bisnis dan Keuangan Vol 10 No 2 (2025): Business and Finance Journal
Publisher : Universitas Nahdlatul Ulama Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/bfj.v10i2.8107

Abstract

The rapid advancement of digitalization and the growing use of financial technology have created an urgent need for younger generations to possess adequate financial literacy to manage financial resources effectively. However, previous studies have shown inconsistent findings regarding the relationship between financial literacy, financial technology, and financial behavior, indicating a gap that requires deeper examination, particularly among Generation Z in urban settings. To address this gap, this study examines the mediating effect of financial technology on the relationship between financial literacy and financial behavior among Generation Z in Surabaya. The population comprises Gen Z individuals born between 1997 and 2012 residing in Surabaya, and a sample of 400 respondents was selected using purposive sampling with the Lemeshow formula. Data were collected using an online questionnaire distributed via Google Forms and analyzed using WarpPLS 8.0. The results reveal that financial literacy has a positive and significant influence on financial behavior and also significantly affects the use of financial technology; additionally, financial technology positively and significantly influences financial behavior and mediates the relationship between financial literacy and financial behavior. These findings contribute to the literature by clarifying the mediating role of financial technology and addressing inconsistencies reported in previous studies, while offering practical insights for educational institutions, fintech providers, and regulators on developing strategies to enhance financial literacy, promote optimal fintech use, and strengthen financial inclusion among Generation Z.
The Effect of Financial Literacy and Financial Inclusion on the Use of Fintech (Paylater) by Shopee Paylater Users Devi Oktavia Azahra; Khusnah, Hidayatul
Jurnal Akuntansi Vol 14 No 02 (2026): AKUNESA (Januari 2026)
Publisher : Accounting Study Programme Faculty of Economics and Business Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/akunesa.v14n02.p167-175

Abstract

This study aims to analyze the influence of financial literacy and financial inclusion on the use of Shopee Paylater Fintech services in students of Nahdlatul Ulama University Surabaya. The approach used is quantitative with a survey method through the distribution of questionnaires to 101 respondents selected by purposive sampling. The data were analyzed using multiple linear regression with the help of SPSS software version 25. The results of the study show that financial literacy does not have a significant effect on the use of Shopee Paylater, while financial inclusion has a positive and significant effect on the use of the service. These findings show that student access and involvement in formal financial services is a dominant factor in driving the use of Fintech. This research is expected to contribute to academic and practical understanding of the financial behavior of the younger generation in the digital era.
Co-Authors Abdul Haris Affandi, Muhammad Nizar Agung Firmansyah Agus Achmad Faisal Amara Putri Nurdy Intari Andini, Ary Andreas Putro Ragil Santoso, Andreas Putro Ragil Aziza, Firda Nur Budiarti, Rizqi Putri Nourma Cahaya Nugrahani Cahyati, Dwi Putri Devi Oktavia Azahra Dike Bayu Magfira, Dike Bayu Endah Budi Permana Endah Budi Permana Putri Endah Tri Wahyuningtyas Endang Sulistiyani Enggriana, Findi Nita Ersalina Nidianti Firdeana Fitrotul Ula Firdeana Fitrotul Ula Firly Irhami Firmansyah, Ardhi Dwi Fuady, Muhammad Farhan Heni Agustina Idohatun Nasiroh Ifah Nurdiana Intari, Amara Putri Nurdy Irmalia, Yusi Nur Jannah, Sifa Imroatun Karya, Denis Fidita Khairunnisa Alvania Zhafira Khamida Khamida Luluk Khoiriyah Magfira, DikeBayu Mardhotillah, Rachma Rizqina Mardiyah Anugraini Mardiyah Anugraini Mardiyah Anugraini, Mardiyah Moh. Maruf Moh. Maruf Mohamad Rijal Iskandar Zhulqurnain Mohamad Rijal Iskandar Zhulqurnain Mohamad Yusak Anshori Much. Nizar Rochmatullah Muchsin Maulana, Muchsin Muhammad Afwan Romdloni Muslikhatun Muslikhatun Niken Savitri Primasari Novita, Nurul Riska Nurcahya Setiani Rahayu Nurcahya Setiani Rahayu Nurdiana, Ifah Oki Safitri Oktora Putri Kirana Pance Mariati Prayekti, Endah Primasari, Niken Savitri Primasari​ ​, Niken Savitri Putra, M Wava Ferdiansyah Putri Sholikhah Putri, Reza Nindya Maharani Harsono Qolbi, Tsabita Rachma Rizqina Mardhotillah Radina Fikrotuz Zakiyah Reza Nindya Maharani Harsono Putri Rimatul Jannah Riri Zelmiyanti Riyan Sisiawan Putra Rizki Amalia Sifa Imroatun Jannah Siti Mas'ulah Soleha, Umdatus Sri Hartatik Sulistijono, Nur Ainina Sulistyaningsih Tamara Adillatirrusdah Titik Purwanti Tri Utami Tri Utami Ula, Fitrotul Urfatul Rustaprilana Vera Putri Fabiola Wahidatul Husnaini Wijayanti, Destin Rafika Wulan, Tri Deviasari Yusak Anshori Yusi Nur Irmalia Zhulqurnain, Mohamad Rijal Iskandar