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Digital Financial Literacy pada Milenial: Pendekatan Knowledge, Attitude dan Behavior (KAB Model) Rani Normawati; Eko Esti Santoso
Jurnal Ilmiah Mahasiswa Manajemen, Bisnis dan Akuntansi (JIMMBA) Vol. 5 No. 1 (2023): JIMMBA
Publisher : LP3M Universitas Putra Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32639/jimmba.v5i1.253

Abstract

This study aims to determine digital financial literacy among millennials in the Surabaya area. The millennial generation has unique characteristics and is considered very close to technology, especially financial technology, so we are excited to examine millennial behaviour. Evaluation of digital financial literacy is carried out using a knowledge, attitude and behaviour approach, where financial knowledge, digital financial knowledge and financial attitude are determinants of financial behaviour. The research was conducted using a survey method on millennials in the 25-40 age group of 275 respondents. This study uses structural equation modelling (SEM) to estimate the relationship between variables. The analysis of the model shows that financial knowledge, digital financial knowledge and financial attitude affect financial behaviour. As a mediating variable, financial attitude affects it partially, which means the presence or absence of financial attitude, financial knowledge, and digital financial knowledge variables still have a positive and significant influence on financial behaviour
PENGARUH KEMAMPUAN KERJA, MOTIVASI KERJA DAN DISIPLIN KERJA TERHADAP KINERJA Esti Santoso, Eko; Mariana, Mariana
Distribusi - Journal of Management and Business Vol. 12 No. 1 (2024): Distribusi, March 2024
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/distribusi.v12i1.430

Abstract

Sumber daya manusia (SDM) yang berkualitas merupakan salah satu faktor kunci keberhasilan suatu perusahaan. Dalam perusahaan sumber daya manusia memegang peranan yang sangat penting oleh karena dipandang sebagai faktor pendorong yang utama dalam menentukan keberhasilan suatu perusahaan. Tujuan penelitian ini untuk mengetahui pengaruh signifikan secara parsial dan simultan antara Kemampuan Kerja, Motivasi Kerja dan Disiplin Kerja Terhadap Kinerja Karyawan BUMD PT Patut Patuh Patju Lombok Barat. Jenis penelitian yang digunakan adalah penelitian kuantitatif asosiatif, dalam penyebaran data digunakan angket untuk mengumpulkan data dengan jumlah populasi 42 orang karyawan dengan teknik sampel jenuh, dimana semua populasi dalam penelitian ini dijadikan sampel. Analisis data yang digunakan adalah analisis regresi linier berganda dengan bantuan program software SPSS. Hasil penelitian Kemampuan Kerja tidak berpengaruh signifikan Terhadap Kinerja Karyawan. Motivasi Kerja Untuk berpengaruh signifikan Terhadap Kinerja Karyawan. Disiplin Kerja tidak berpengaruh signifikan Terhadap Kinerja Karyawan. Secara simultan Kemampuan Kerja, Motivasi Kerja Dan Disiplin Kerja berpengaruh signifikan Terhadap Kinerja Karyawan BUMD PT Patut Patuh Patju Lombok Barat.
Enhancing SME Performance through Digital Finance: Do Digital Finance Accessibility and Digital Financial Literacy Matter? Santoso, Eko Esti; Normawati, Rani Arifah; Latifah , Nunuk
Economics, Business, Accounting & Society Review Vol. 4 No. 2 (2025): Economics, Business, Accounting & Society Review
Publisher : International Ecsis Association

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55980/ebasr.v4i2.241

Abstract

Small and Medium Enterprises (SMEs) are a vital driver of economic growth in developing countries, yet they remain highly vulnerable to market disruptions and external shocks. The rapid expansion of digital finance has created both opportunities and challenges, underscoring the importance of digital financial literacy and accessibility in sustaining SME performance. Despite increasing attention to inclusive finance, empirical evidence directly linking digital financial literacy, digital finance accessibility, and SME performance remains limited, particularly within developing economy contexts such as Indonesia. This study aims to investigate the effects of digital financial literacy and digital finance accessibility on SME performance, with digital finance adoption examined as a mediating variable. Employing a quantitative research design, data were collected through surveys of 430 SMEs across two provinces in Indonesia and analyzed using SEM-PLS. The results reveal that both digital financial literacy and digital finance accessibility significantly and positively influence digital finance adoption and SME performance. Moreover, digital finance adoption partially mediates the relationship between digital financial literacy and performance, while no mediation effect is observed for digital finance accessibility. The findings highlight the need to strengthen SMEs’ digital financial literacy as a strategic resource and to improve access to digital financial infrastructure. For policymakers and practitioners, these results emphasize the importance of capacity-building and inclusive digital ecosystems to enhance resilience and competitiveness among SMEs.
Strategi peningkatan branding pada kawasan ekowisata di Desa Tete Batu Kecamatan Sikur Kabupaten Lombok Timur Selamat Riadi; Ahmad Ridho Hidayat; Eko Esti Santoso; Hazila Nurmustika; Sandra Griselda Putri
SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Vol 8, No 4 (2024): December
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jpmb.v8i4.27104

Abstract

Abstrak Desa Wisata Tete Batu merupakan salah satu destinasi desa wisata yang sangat unik, berpotensi untuk mendatangkan wisatawan dari berbagai kalangan karena terkenal dengan kecantikan sumber daya alam yang menawan, hingga budaya dan kegiatan penduduk lokalnya yang beragam. Akan tetapi, potensi tersebut belum diketahui secara luas, dan dinikmati oleh wisatawan secara optimal. Salah satu kendala utamanya adalah kurangnya kesadaran masyarakat setempat akan pentingnya branding atau promosi yang strategis dan efektif. Pengabdian ini bertujuan untuk mengatasi salah satu permasalahan tersebut, dengan melaksanakan sosialisasi dan pendampingan berupa memberikan pelatihan, guna meningkatkan wawasan dan kesadaran masyarakat sekitar tentang pentingnya sebuah strategi branding yang tepat, strategis dan efektif. Kegiatan ini di ikuti oleh 15 orang dari berbagai profesi seperti kepala lingkungan atau kepala dusun masing-masing, petani, staff desa, hingga pengurus pokdarwis desa Wisata Tete Batu. Selanjutnya dengan menggunakan metode analisis SWOT dalam proses identifikasi permasalahan yang ada serta di dukung oleh berbagai upaya seperti, pembuatan WEB Desa Wisata, membuatkan vidio promosi pengabdian, hingga pembuatan Kalender Wisata dapat menambah pemahaman dan keyakinan masyarakat terkait pentingnya branding desa wisata sehingga menghasilkan jumlah kunjungan wisatawan meningkat dan bertambah. Kata kunci: branding; desa wisata; strategi; SWOT AbstractTete Batu Tourism Village is one of the very unique tourism village destinations, with the potential to attract tourists from various circles because it is famous for its charming natural resources, to the diverse culture and activities of its local residents. However, this potential is not yet widely known, and enjoyed by tourists optimally. One of the main obstacles is the lack of awareness of the local community about the importance of strategic and effective branding or promotion. This service aims to overcome one of these problems, by carrying out socialization and mentoring in the form of providing training, in order to increase the insight and awareness of the surrounding community about the importance of an appropriate, strategic and effective branding strategy. This activity was attended by 15 people from various professions such as the head of the environment or head of each hamlet, farmers, village staff, to the administrators of the Tete Batu Tourism Village Pokdarwis. Furthermore, by using the SWOT analysis method in the process of identifying existing problems and supported by various efforts such as creating a Tourism Village WEB, making a promotional service video, to creating a Tourism Calendar, it can increase public understanding and confidence regarding the importance of branding tourism villages so that the number of tourist visits increases and increases. Keywords: branding; tourism village; strategy; SWOT