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All Journal Journal of Geoscience, Engineering, Environment, and Technology Jurnal Pendidikan, Sains, Geologi, dan Geofisika (GeoScienceEd Journal) Jurnal Inovasi Pertambangan dan Lingkungan al-Mawarid Jurnal Syariah dan Hukum (JSYH) Neo Journal of economy and social humanities Jurnal Ilmiah Geologi pangea
Dwi Rachmawati
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Religion Agriculture, Biological Sciences & Forestry Humanities Astronomy Chemistry Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Engineering Environmental Science Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Physics Social Sciences

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The Influence of Digital Literacy and Financial Literacy on the Performance of MSMEs: (An Empirical Study of MSMEs in Depok City) Amilie, Novi Yulianti; Udriyah, Udriyah; Rachmawati, Dwi
Neo Journal of economy and social humanities Vol 5 No 1 (2026): Neo Journal of Economy and Social Humanities
Publisher : International Publisher (YAPENBI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56403/nejesh.v5i1.418

Abstract

This study aims to analyze the effect of digital literacy and financial literacy on the performance of Micro, Small, and Medium Enterprises (MSMEs) in Depok City by integrating the Resource-Based View (RBV) and Technology Acceptance Model (TAM) perspectives. This study departs from the phenomenon of quantitative growth of MSMEs that has not been fully followed by the strengthening of internal capabilities, particularly in the use of digital technology and business financial management. This study uses a quantitative approach with a survey method of 100 MSME actors selected through cluster sampling techniques in 11 sub-districts in Depok City. Data analysis was performed using multiple linear regression. The results show that digital literacy and financial literacy, both partially and simultaneously, have a positive and significant effect on MSME performance (p < 0.05). Financial literacy has a more dominant influence than digital literacy. The Adjusted R² value of 0.747 indicates that 74.7% of the variation in MSME performance can be explained by these two variables. These findings confirm that literacy-based intangible capabilities are strategic determinants of MSME performance in urban areas undergoing digital transformation. This study provides empirical contributions by strengthening the integrative model of digital and financial literacy as a source of MSME competitive advantage.
The Effect of Leadership on the Performance of Village Apparatus and Community Institutions at the Cibenda Village Office, Ciemas District, Sukabumi Regency Udriyah; Apriyanti; Dwi Rachmawati
Neo Journal of economy and social humanities Vol 1 No 4 (2022): Neo Journal of Economy and Social Humanities, December 2022
Publisher : International Publisher (YAPENBI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56403/nejesh.v1i4.52

Abstract

One of the things that must be considered in the implementation of work is the realization of good employee performance. Therefore employee performance needs to be considered in an effort to achieve maximum goals, this shows that leadership has a very important role in achieving employee performance, and leaders are able to apply appropriate leadership and in accordance with existing situations and conditions, so employees will also can work comfortably and with high enthusiasm, this work assessment is carried out to assess and is also used to evaluate abilities, skills, assess achievement and reassess the growth of each employee. If this performance appraisal is done properly it can be used to increase loyalty and motivation for the employees.
PROTECTION OF WORKERS’ FINANCIAL RIGHTS FOLLOWING CORPORATE BANKRUPTCY: A MAQĀṢID AL-SHARĪ‘AH ANALYSIS OF THE FATWA ON EMPLOYMENT TERMINATION INSURANCE Wahyuni, Wahyuni; Rachmawati, Dwi; Bahari, Raha; Husna, Maula Faizatul
al-Mawarid Jurnal Syariah dan Hukum (JSYH) Vol. 8 No. 2 (2026): al-Mawarid Jurnal Syariah dan Hukum (JSYH)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/mawarid.vol8.iss2.art10

Abstract

Purpose – This study aims to analyse the construction of workers’ protection following the termination of employment (PHK) due to corporate bankruptcy from the perspective of Fatwa DSN-MUI No. 149 of 2022 and maqāṣid al-sharīah, with the bankruptcy of PT Sri Rejeki Isman Tbk (PT Sritex) as a case study. Method – This was a qualitative study. Primary data consist of Fatwa DSN-MUI No. 149 of 2022 and relevant legal materials concerning employment and bankruptcy, while secondary data include scholarly literature on workers’ protection, Islamic insurance (takaful), bankruptcy, and maqāṣid al-sharī‘ah. The data were analysed through normative and contextual interpretations to examine the relationship between normative protection and the actual realisation of workers’ rights. Findings – The study finds that Fatwa DSN-MUI No. 149 of 2022 provides a sharia-based framework for financial risk mitigation arising from the termination of employment due to corporate bankruptcy but does not constitute a direct legal basis for the payment of workers’ severance rights or replace bankruptcy and employment law mechanisms. The PT Sritex case reveals a gap between the normative recognition of workers’ rights and their effective realisation, particularly because payments depend on the settlement of the bankruptcy estate and availability of corporate assets. From the perspective of maqāṣid al-sharī‘ah, workers’ protection is closely related to ḥifẓ al-māl, ḥifẓ al-nafs, and ḥifẓ al-nasl. Thus, substantive protection requires not only legal recognition but also effective, timely, and fair mechanisms for realising workers’ rights. Research Contribution/Limitations – This study contributes an integrative framework connecting sharia norms, employment and bankruptcy law, and maqāṣid al-sharī‘ah in evaluating workers’ protection. Its limitation lies in its focus on the PT Sritex case, which limits the generalisability of the findings. Originality/Value – The originality of this study lies in positioning Fatwa DSN-MUI No. 149 of 2022 not as a substitute for bankruptcy mechanisms but as a normative-ethical framework for evaluating the substantive protection and welfare of workers affected by corporate bankruptcy.
Co-Authors Amilie, Novi Yulianti Apriyanti Bahari, Raha Fa’iq Maahir, Muhammad Daffa Husna, Maula Faizatul Irfree, Baharianto Natrilia, Dea Puspita, Intan Rahmah Radityo, Daniel Rohmat Hidayat Sahmura, Yemina Sofyan, Sony Tobing, Priska Udriyah Wahyu Widodo wahyuni wahyuni Yancik, Yupiter