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All Journal Jurnal Dimensi Jurnal Akuntansi dan Pajak JKBM (JURNAL KONSEP BISNIS DAN MANAJEMEN) Jurnal Sinar Manajemen Jurnal Infomedia SEIKO : Journal of Management & Business MANDAR: Management Development and Applied Research Journal Economics and Digital Business Review Jurnal Manajemen dan Organisasi Review (MANOR) International Journal of Health, Economics, and Social Sciences (IJHESS) Jeinsa : Jurnal Ekonomi Ichsan Sidenreng Rappang POMA JURNAL Jurnal Bisnis dan Kewirausahaan Celebes Journal of Community Services
Ilham Safar
Universitas Fajar
Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Public Health Social Sciences Other

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Digital Lending and Over-Indebtedness Risk: Evidence from Indonesian MSMEs Rusnathul Amiah; Muhammad Saleh; Ilham Safar
JURNAL DIMENSI Vol 15, No 2 (2026): Jurnal Dimensi (July 2026)
Publisher : Universitas Riau Kepulauan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33373/dms.v15i2.9248

Abstract

This study aims to examine the serial mediation role of business financial pressure and over-indebtedness risk in transmitting the effect of digital lending characteristics on MSME business survival. A quantitative explanatory design was employed with 200 MSME operators who actively use digital lending products, sampled through purposive sampling. Data were analyzed using PROCESS Macro Model 6 with 10,000 bootstrap subsamples and a 95% confidence interval. Results indicate that digital lending characteristics significantly exacerbate business financial pressure, which in turn drives over-indebtedness risk, while the direct effect on business survival is fully absorbed by the mediation chain. Serial mediation is confirmed as significant (IE3 = 0.335; 95% CI [0.231, 0.458]), with the two-stage sequential pathway emerging as the dominant transmission mechanism, surpassing both single-mediator paths. These findings support Debt Trap Theory and Pecking Order Theory, demonstrating that the harm of digital lending operates progressively rather than directly. Effective policy interventions should target both platform design regulation and structural improvements to MSME access to formal financing.
Revisiting Financial Behavior in Traditional Market Traders: The Hidden Role of Self-Control Muhammad Saleh; Ilham Safar
JURNAL DIMENSI Vol 15, No 2 (2026): Jurnal Dimensi (July 2026)
Publisher : Universitas Riau Kepulauan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33373/dms.v15i2.9128

Abstract

This study investigates the role of financial literacy, financial attitude, and self-control in shaping the financial behavior of traditional market traders at Lakessi Market, Pare-pare City, Indonesia. The study addresses a research gap in the financial behavior literature, particularly the limited empirical evidence on self-control as a mediating variable among traditional market traders in Eastern Indonesia. The objective of this research is to examine both the direct and indirect effects of financial literacy and financial attitude on financial behavior through self-control. This study employed a quantitative causal-associative design using a survey method. Data were collected from 286 traders selected through proportionate stratified random sampling from a population of 1,000 traders. Hypotheses were tested using PROCESS Macro Model 4 with 5,000 bootstrap samples in IBM SPSS Statistics 29. Results indicate that financial literacy and financial attitude exert significant positive direct effects on both financial behavior (β = 0.564; β = 0.531) and self-control (β = 0.406; β = 0.388), while self-control significantly influences financial behavior (β = 0.313). Bootstrap mediation analysis confirms partial mediation on both pathways: the indirect effect of financial literacy through self-control is 0.127 (95% CI [0.072, 0.187]) and that of financial attitude is 0.142 (95% CI [0.085, 0.203]). Self-control functions as a complementary mediating bridge rather than a primary pathway. A threshold effect is identified whereby moderate financial literacy suffices to produce meaningful behavioral change. These findings provide evidence-based guidance for policymakers and market authorities to design interventions combining financial literacy training with structural supports for informal economy traders.
PENGARUH KESENJANGAN PENDIDIKAN DAN MOTIVASI KERJA TERHADAP KINERJA PEGAWAI PADA DINAS SOSIAL KOTA MAKASSAR Andi Dwi Wulandari; Muliyadi Hamid; Ilham Safar
Jurnal Ekonomi Ichsan Sidenreng Rappang Vol 5 No 1 (2026): hal
Publisher : Universitas Ichsan Sidenreng Rappang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61912/jeinsa.v5i1.350

Abstract

This study aims to analyze the effect of educational disparity and work motivation on employee performance at the Social Service Office of Makassar City. The study employed a quantitative approach using a survey method. The research population consisted of all 90 employees of the Social Service Office of Makassar City, who were entirely selected as the sample using a total sampling technique. Data were collected through questionnaires and analyzed using multiple linear regression with SPSS. The results indicate that educational disparity does not have a significant partial effect on employee performance. In contrast, work motivation has a positive and significant effect on employee performance. Simultaneously, educational disparity and work motivation significantly influence employee performance. The coefficient of determination shows that a substantial proportion of employee performance variation can be explained by the two independent variables, with work motivation identified as the most dominant factor. These findings suggest that improving employee performance in social service institutions can be more effectively achieved by strengthening work motivation, accompanied by continuous management of educational disparities through training and capacity development programs.
PENGARUH KOMPETENSI DAN PERENCANAAN SUMBER DAYA MANUSIA TERHADAP KINERJA PEGAWAI UPTD PUSKESMAS LONG BELUAH KABUPATEN BULUNGAN Palimbong, Jesita; Mujahid, Mujahid; Safar, Ilham
Jurnal Ekonomi Ichsan Sidenreng Rappang Vol 5 No 2 (2026): Hal
Publisher : Universitas Ichsan Sidenreng Rappang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61912/jeinsa.v5i2.510

Abstract

Therefore, this study aimed to analyze the effect of Human Resource Competency and Human Resource Planning on Employee Performance at the Long Beluah Community Health Center, Bulungan Regency. This study employed a quantitative research approach using a saturated sampling technique, involving all 49 employees. Data were collected through a structured questionnaire and analyzed using instrument validity and reliability tests, multiple linear regression analysis, partial t-tests, simultaneous F-tests, and the coefficient of determination (R²). The findings indicated that all questionnaire items were valid and reliable. The partial t-tests revealed that both Human Resource Competency and Human Resource Planning individually had a positive and statistically significant effect on Employee Performance. The simultaneous F-test also confirmed that Human Resource Competency and Human Resource Planning jointly exerted a positive and significant influence on Employee Performance. The coefficient of determination (R²) showed that Human Resource Competency and Human Resource Planning collectively explained 73.6% of the variance in Employee Performance. These findings indicate that improving employees' competencies and implementing effective human resource planning can significantly enhance employee performance at the Long Beluah Community Health Center.
Co-Authors Akmal Hidayat Andi Dwi Wulandari Andini Arminas Fahlevi, Mochammad Gimbo, Cindy Haritza, Dita Herri Mahyar Juliana Sartika Djafar Kaharuddin HS Kumala, Olly Chandra Karnia Meiliska, Alifia Muhammad Saleh Mujahid Mujahid Mujahid, Mujahid Muliyadi Hamid Mursyidah Mursyidah Muwaffiq Nurimansyah Mapparenta Nasyirah Nurdin Novita Kumala Sari Nurdin Nurdin Nurdin Nurdin Palimbong, Jesita Ramalwati Ramlawati Ramlawati Rantalemba, Wulandari Rusnathul Amiah Sari, Novita Kumala St. Rukaiyah Syamsul Riyadi Thria Putri Natasha Wulandari Rantalemba