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All Journal Journal of Economic, Bussines and Accounting (COSTING) Minda Baharu Jurnal Pengabdian Dharma Laksana INFOKUM Madaniya The World of Public Administration Journal The World of Financial Administration Journal The World of Business Administration Journal Jurnal Manajemen Bisnis dan Keuangan Jurnal Ekonomi Jurnal Informatika Ekonomi Bisnis Journal of Economics and Management Scienties
Titin Kartini
Fakultas Ilmu Administrasi Universitas Subang
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Analisis Literasi Keuangan dan Akses Modal terhadap Kinerja Keuangan Pelaku UMKM di Kabupaten Subang Kartini, Titin; Wijaya, John Henry
Jurnal Manajemen Bisnis dan Keuangan Vol 5 No 2 (2024): Oktober 2024
Publisher : https://jurnal.binamandiri.ac.id/

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51805/jmbk.v5i2.215

Abstract

The MSME sector serves as a crucial pillar of the national economy. Despite facing various challenges in recent years that have affected its performance and growth, MSMEs have demonstrated a strong ability to recover and adapt to dynamic economic conditions. This study aims to analyze the impact of financial literacy and access to capital on the financial performance of MSMEs in Subang Regency. The case study explores the relationship between financial literacy and access to capital, with a particular focus on the influence of capital access. The research method includes surveys and analysis of primary data collected through questionnaires from MSME operators in Subang Regency. Statistical analysis reveals that among the two factors studied, only access to capital significantly influences the financial performance of MSMEs. These findings provide crucial insights for stakeholders involved in policy and support for MSME development in Subang Regency. By emphasizing the importance of adequate access to capital, whether through formal financial institutions or government support programs, it is expected that MSME financial performance and sustainability can be enhanced. The study also highlights the need to improve financial literacy among MSME operators as part of a comprehensive strategy to strengthen this sector.
PENGUKURAN LITERASI KEUANGAN DAN PERSEPSI KEMUDAHAN DAN DAMPAKNYA TERHADAP PENGGUNAAN PINJAMAN ONLINE PADA MAHASISWA UNIVERSITAS SUBANG Titin Kartini; John Henry Wijaya
Journal of Economic, Bussines and Accounting (COSTING) Vol. 8 No. 1 (2025): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v8i1.14050

Abstract

Pemerintah mendorong inovasi pada pemerintah daerah. Keberhasilan inovasi organisasi tentunya tidak terlepas dari innovative work behaviour pegawainya. Untuk meningkatkan innovative work behaviour, banyak faktor yang memengaruhi. Tujuan penelitian ini untuk mengetahui peran organizational citizenship behaviour yang memediasi pengaruh transformational leadership terhadap innovative work behaviour. Pengumpulan sampel dilakukan dengan random sampling dan bersifat cross sectional. Dengan menggunakan rumus Slovin diperoleh sampel sebanyak 83 orang dari populasi sebesar 847. Berdasarkan hasil pengujian diperoleh hasil bahwa Transformational leadership (β = 0.632; t = 5.654; p-values = 0.000), berpengaruh positif dan signifikan terhadap innovative work behaviour, Transformational leadership (β = 0.734; t = 18.946; p-values = 0.000), berpengaruh positif dan signifikan terhadap organizational citizenship behaviour, Organizational citizenship behaviour (β = 0.761; t = 7.339; p-values = 0.000), berpengaruh positif dan signifikan terhadap innovative work behaviour dan Organizational citizenship behaviour (β = 0.558; t = 7.746; p-values = 0.000), sebagai variabel mediator berpengaruh positif dan signifikan terhadap hubungan kausal antara transformational leadership dengan innovative work behaviour. Besar kekuatan prediksi model dengan skor R-Square, yaitu 0.743 untuk innovative work behaviour dan 0.538 untuk organizational citizenship behaviour. Dengan demikian transformational leadership berpengaruh positif terhadap innovative work behaviour baik secara langsung dan melalui organizational citizenship behaviour
The Influence of Financial Literacy, Financial Inclusion, and Financial Technology on the Financial Performance of MSMEs with Financial Management Behavior as a Mediating Variable (Study on MSMEs in the Agriculture, Culinary, and Tourism Sectors in Subang Regency, West Java) Titin Kartini; Keni Kaniawati; Fatimah Nurjannati Iskandar
Journal of Economics and Management Scienties Volume 8 No. 4, September 2026 (Accepted)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/jems.v8i4.493

Abstract

This study examines the influence of financial literacy, financial inclusion, and financial technology (fintech) on the financial performance of MSMEs, with financial management behavior as the mediating variable. The study was conducted on MSMEs in the agricultural, culinary, and tourism sectors in Subang Regency, West Java. Adopting a quantitative explanatory approach, this study collected data from 250 purposively sampled respondents and analyzed it using SmartPLS 4's PLS-SEM. The results indicate that financial management behavior is significantly shaped by financial literacy (β = 0.513; p = 0.006) and, even more strongly, by financial inclusion (β = 0.681; p < 0.001), while financial technology shows no significant direct effect. Neither variable directly affects MSME financial performance in a practically meaningful way; however, financial management behavior is the dominant predictor of financial performance (β = 0.726; p < 0.001; R² = 0.614). Financial management behavior plays a significant mediating role in how financial literacy influences financial performance (0.481; p = 0.006) and the effect of financial inclusion on financial performance (0.549; p < 0.001), but not the effect of financial technology. These findings confirm that financial management behavior is the critical bridge between financial resources knowledge and access and actual business performance, supporting a knowledge behavior performance chain model for rural MSMEs in Indonesia.
Prosedur Pembayaran Honor Tenaga Harian Lepas (THL) Di Dinas Lingkungan Hidup (DLH) Kabupaten Subang   Angga Taufik; Titin Kartini; Ade Suparman
The World of Financial Administration Journal Volume 8 Issue 1, Juni 2026
Publisher : Fakultas Ilmu Administrasi Universitas Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37950/wfaj.v8i1.2661

Abstract

Abstrak Penelitian ini bertujuan untuk memahami secara mendalam prosedur pengelolaan honor Tenaga Harian Lepas (THL) di Dinas Lingkungan Hidup Kabupaten Subang serta mengidentifikasi faktor-faktor yang menyebabkan keterlambatan pencairan honor. THL memiliki peran penting dalam mendukung operasional dinas, sehingga ketepatan waktu pembayaran honor menjadi aspek yang krusial untuk menjaga kinerja dan kesejahteraan tenaga kerja. Metode penelitian yang digunakan adalah kualitatif dengan pendekatan deskriptif. Data dikumpulkan melalui wawancara, observasi, dan telaah dokumen resmi yang terkait dengan proses administrasi pembayaran honor. Analisis data dilakukan melalui tahapan reduksi data, penyajian data, dan penarikan kesimpulan untuk memperoleh gambaran yang komprehensif mengenai pelaksanaan prosedur di lapangan. Hasil penelitian menunjukkan bahwa meskipun prosedur pengelolaan honor telah tersusun dalam alur administrasi yang jelas, praktiknya masih menghadapi berbagai hambatan. Keterlambatan pembayaran honor dipengaruhi oleh lambatnya pengumpulan data kehadiran, proses verifikasi yang panjang, serta kendala anggaran dan teknis administrasi. Temuan ini menegaskan perlunya evaluasi dan perbaikan sistem untuk meningkatkan efektivitas dan ketepatan waktu pembayaran honor. Kata kunci : Pengelolaan Honor, Tenaga Harian Lepas, Prosedur Administrasi.   Abstract This study aims to provide an in-depth understanding of the honorarium management procedures for Daily Freelance Workers (Tenaga Harian Lepas/THL) at the Environmental Office of Subang Regency and to identify the factors that cause delays in honorarium disbursement. THL workers play an essential role in supporting the operational activities of the office, making the timeliness of payments a crucial aspect in maintaining performance and worker welfare. This research employs a qualitative method with a descriptive approach. Data were collected through interviews, field observations, and a review of official documents related to the administrative process of honorarium payment. The data were analyzed through stages of data reduction, data presentation, and conclusion drawing to provide a comprehensive picture of the procedures implemented in the field. The findings indicate that although the honorarium management procedures have been structured with clear administrative steps, their implementation still faces various obstacles. Delays in payment are influenced by slow submission of attendance data, lengthy verification processes, and budgetary as well as administrative technical constraints. These findings highlight the need for evaluation and system improvement to enhance the effectiveness and timeliness of honorarium disbursement.  Keywords: Honorarium Management, Daily Freelance Workers, Administrative Procedures.
Co-Authors Agustin, Ely Angga Taufik Aulia, Silvi Devi Komalasari Dinarwati, Sri Faradila, Firda Fatimah Nurjannati Iskandar Futri, Dilla Adinda Gadzali , Silvy Sondari Gadzali, Silvy Sondari Gumelar, Agung Tegar Hardiana, Anisa Iwan Henri Kusnadi John Henry Wijaya Komara, A. Moeslihat Komir Bastaman Kusman Yuhana Mariane, Ine Muhamad Yuga Firdan Irawan Patony, Tony Pibriani, Thalia Rakhamayudhi Rakhamayudhi Rakhmayudhi Rakhmayudhi Ramdhan, Angga Nur Shidik, Deddy As Silvy Sondari Gadzali Suparman, Ade Tepi Peirisal Wijaya, John Henry Zaenal Hirawan