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All Journal Al Ishlah Jurnal Pendidikan Jurnal Obsesi: Jurnal Pendidikan Anak Usia Dini Otoritas : Jurnal Ilmu Pemerintahan Edukasi Islami: Jurnal Pendidikan Islam NUSANTARA : Jurnal Ilmu Pengetahuan Sosial Jurnal Ilmiah Galuh Justisi IJISH (International Journal of Islamic Studies and Humanities) Jurnal Surya Kencana Satu : Dinamika Masalah Hukum dan Keadilan Jurnal Studi Guru dan Pembelajaran JURNAL PEMBANGUNAN HUKUM INDONESIA Jurnal Ilmiah Manajemen Kesatuan Journal On Teacher Education (Jote) Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Masyarakat Maritim Jurnal Pengabdian Masyarakat Asia GUYUB: Journal of Community Engagement Jurnal Abdimas Ilmiah Citra Bakti (JAICB) Jurnal PTI (Jurnal Pendidikan Teknologi Informasi) International Journal of Engagement and Empowerment (IJE2) Jurnal Abdimas Bina Bangsa International Journal of Education, Social Studies, And Management (IJESSM) Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Jurnal Bina Bangsa Ekonomika AJAD : Jurnal Pengabdian kepada Masyarakat Share: Jurnal Ekonomi dan Keuangan Islam Batara Wisnu : Indonesian Journal of Community Services JURNAL ECONOMINA Media Ekonomi National Conference on Applied Business, Education & Technology (NCABET) Amkop Management Accounting Review (AMAR) Jurnal Pendidikan Terapan Ekodestinasi : Jurnal Ekonomi, Bisnis, dan Pariwisata JER IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Journal of Economic Education and Entrepreneurship Studies Prosiding Seminar Ekonomi Nasional Pemberdayaan dan Sinergi Masyarakat)
Basrowi Basrowi
Universitas Bina Bangsa
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Mechanical Engineering Nursing Physics Public Health Social Sciences Other

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 1 
Analysis of Public Understanding of Online Loans in Banten Viewed from Financial Literacy and Consumptive Behavior with Financial Inclusion as an Intervening Variable Adysta Carina Tawakal; Basrowi Basrowi; RR. Andriani Sariwardani
Jurnal Economic Resource Vol. 9 No. 1 (2026): October - March
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v9i1.2262

Abstract

This study analyzes the influence of financial literacy and consumptive behavior on understanding of online loans in Banten, with financial inclusion as an intervening variable. The rapid growth of fintech lending in Indonesia has facilitated access to financing but has also raised risks such as loan defaults, misuse of personal data, and the proliferation of illegal lending. A quantitative approach was employed using primary data collected through questionnaires. Data were analyzed using Structural Equation Modeling based on Partial Least Squares (SEM-PLS) with path analysis. Sampling using purposive sampling method and obtained samples of 398 respondents. The results indicate that financial literacy has a significant positive effect on understanding online loans and on financial inclusion. Consumptive behavior has a significant negative effect on understanding online loans but no significant effect on financial inclusion. Financial inclusion has a significant positive effect on understanding online loans and mediates the effect of financial literacy on understanding online loans. Conversely, consumptive behavior has no significant indirect effect through financial inclusion. These findings highlight the importance of improving financial literacy to enhance financial inclusion and strengthen public understanding of online lending services.
The Influence Of Organizational Culture And Work Environment On Employee Loyalty Through Job Satisfaction As A Mediating Variable In The Government Environment City Of Cilegon Dessy Hertantia; Basrowi Basrowi; RR. Andriani Sariwardani
Jurnal Economic Resource Vol. 9 No. 1 (2026): October - March
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v9i1.2299

Abstract

In the era of bureaucratic digitalization and public service transformation, the government is required to provide excellent and responsive services to meet public needs, particularly in the City Government of Cilegon. Issues related to organizational culture, work environment, and job satisfaction pose significant challenges that can influence employee loyalty. This study aims to empirically analyze the influence of organizational culture and work environment on employee loyalty through job satisfaction. This study is expected to provide theoretical and practical contributions to the development of human resource management policies in the public sector. The research method uses an explanatory quantitative approach, with a sample of 177 respondents from the City Secretariat and the Human Resources and Development Agency of Cilegon City. Data were collected through a closed-ended questionnaire and analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS) with the assistance of SmartPLS. The results of the study indicate that organizational culture and work environment significantly influence job satisfaction and employee loyalty, both directly and indirectly through job satisfaction in the Cilegon City Government environment. In conclusion, organizational culture and work environment play a strategic role in enhancing employee loyalty within the Cilegon City Government. Enhancing loyalty cannot be achieved through partial measures but requires a holistic approach through strengthening organizational culture, creating a conducive work environment, and improving job satisfaction as a bridge to support the performance of local government organizations.
Analysis of Public Understanding of Online Loans in Banten Viewed from Financial Literacy and Consumptive Behavior with Financial Inclusion as an Intervening Variable Adysta Carina Tawakal; Basrowi Basrowi; RR. Andriani Sariwardani
Jurnal Economic Resource Vol. 9 No. 1 (2026): October - March
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v9i1.2262

Abstract

This study analyzes the influence of financial literacy and consumptive behavior on understanding of online loans in Banten, with financial inclusion as an intervening variable. The rapid growth of fintech lending in Indonesia has facilitated access to financing but has also raised risks such as loan defaults, misuse of personal data, and the proliferation of illegal lending. A quantitative approach was employed using primary data collected through questionnaires. Data were analyzed using Structural Equation Modeling based on Partial Least Squares (SEM-PLS) with path analysis. Sampling using purposive sampling method and obtained samples of 398 respondents. The results indicate that financial literacy has a significant positive effect on understanding online loans and on financial inclusion. Consumptive behavior has a significant negative effect on understanding online loans but no significant effect on financial inclusion. Financial inclusion has a significant positive effect on understanding online loans and mediates the effect of financial literacy on understanding online loans. Conversely, consumptive behavior has no significant indirect effect through financial inclusion. These findings highlight the importance of improving financial literacy to enhance financial inclusion and strengthen public understanding of online lending services.
The Influence Of Organizational Culture And Work Environment On Employee Loyalty Through Job Satisfaction As A Mediating Variable In The Government Environment City Of Cilegon Dessy Hertantia; Basrowi Basrowi; RR. Andriani Sariwardani
Jurnal Economic Resource Vol. 9 No. 1 (2026): October - March
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v9i1.2299

Abstract

In the era of bureaucratic digitalization and public service transformation, the government is required to provide excellent and responsive services to meet public needs, particularly in the City Government of Cilegon. Issues related to organizational culture, work environment, and job satisfaction pose significant challenges that can influence employee loyalty. This study aims to empirically analyze the influence of organizational culture and work environment on employee loyalty through job satisfaction. This study is expected to provide theoretical and practical contributions to the development of human resource management policies in the public sector. The research method uses an explanatory quantitative approach, with a sample of 177 respondents from the City Secretariat and the Human Resources and Development Agency of Cilegon City. Data were collected through a closed-ended questionnaire and analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS) with the assistance of SmartPLS. The results of the study indicate that organizational culture and work environment significantly influence job satisfaction and employee loyalty, both directly and indirectly through job satisfaction in the Cilegon City Government environment. In conclusion, organizational culture and work environment play a strategic role in enhancing employee loyalty within the Cilegon City Government. Enhancing loyalty cannot be achieved through partial measures but requires a holistic approach through strengthening organizational culture, creating a conducive work environment, and improving job satisfaction as a bridge to support the performance of local government organizations.
Co-Authors Abaidullah Bin Mustaffa Abdur Rahman Irsyadi Achmad Said Agil Adela Winda Iryana Putri Adysta Carina Tawakal Agus Syabarudin Agustina Agustina Ahmad Heryadi Ahmad Munawir Ahmad Riadudin Ajeng Eka Nurkholifah Akhmad Shunhaji Amaliyah Amaliyah Ana Maulana Mus Andrie Elia Angga Sofyan Lutfi Ani Agustini Aniatul Agustini Anita Nurjanah Atik Budi Paryanti Azimi Faqqihuddin Arsyad Azmi Afifah Baihaki Baihaki Budi Ilham Maliki Buncha Chinnasri Cepi Nurhayana Dava Febratama Dede Kurnia Dedi Damhudi Dedi Satriawan Dessy Hertantia Dewi Syifa Septiani Dian Novitasari Eka Fitriani Ela Melinda Elip Gozali Rohan Eman Diantoro Encu Encu Endang Purwaningsih Endang Purwaningsih Endang Purwaningsih Endang Purwaningsih Eva Muti'ah Eva Mutiah Eva Muti’ah Eva Sofianty Fachry Abda El Rahman Fahrurozi Fajar Fajar Farhatul Ain Fatari Fauzi Fauzi Fitriyansyah Fitriyansyah Furtasan Ali Yusuf Furtasan Ali Yusuf Habibullah Habibullah Handy Setiayadi Haris Ibnu Zaki Herlin Kurniawati Hidayatullah Hidayatullah Hidayatulloh Ida Farida Ika Pratiwi Imam Maulana Putra Indriana Puspitasari Iqbal Alan Abdullah Iwan Fahsya Iwan Gunawan Iwan Setiawan Jarot Tri Bowo Santoso Jonny Erik Antonius Sinaga Juanto, Ade Juhari Ali Juhary Ali Juhary Haji Ali Julina Julina Jumadi Jumadi Juwita Juwita Kardi Kardi Kardi Kardi Khaeruman Komariah Komariah Kurniati Rahmadani Luda Sofiah Mamat Rahmatullah Maria Ulpah Maryatini Maryatini Masriyadi Masriyadi Millatun Hanafiyah Mochamad Saefullah Mohd Mizan bin Asalam Muhamad Fathurahman Muhammad Fahmi Baehaqi Muhammad Fahri Ali Muhammad Nasor Muharomah, Dewi Robiatun Muhatta Muhatta Nabila Salim Nani Rohaeni Nelly Ulfah Anisariza Nining Sulastri Kurnia Nuniek Permata Nur Azizah Zuhriyah Nurhasan Nugroho Nurul Fajri Chikmawati Pertiwi Utami Pertiwi Utami Pertiwi Utami Prof. Muhammad Suparmoko Putri Allana Abdullah Rahemee Rahemee Rahmadiana Rahmat Hidayat Rani Sri Sumarsih Riani Puasarin Ririn Nur Abdiah Bahar Riyo Paryadi Rizki Wulandari Romli Gafur Ronny Rachmansyah Suryaningrat RR. Andriani Sariwardani Rustam Efendi Sabrawijaya Salsabila, Unik Hanifah Sam Sidik Sanudin Sanudin Sari, Gema Ika Silalahi, Suandi Silvia Maharani Sinta Ayu Purnamasari Siskandar Siskandar Siti Hamdiah Siti Juariyah Suheli Suheli Sulkiah Hendrawati Suseno, Bambang Dwi Sutoro, Moh. Syamsul Ma’rip Syifa Firdiani Tata Rustandi Tb. Fiki Fahlaifi Musaffa TB.Heri Kusnady Tejo Waskito Trihana Kurniawati Tubagus Riki F.I Tulus Suryanto Tulus Suyanto Udin Suadma Uli Wildan Nuryanto Umi Khulsum Usep Usep Veronika Joan Jasmine Wiwik Novianawati Wulan Riska Dewi Yayu Humairoh Yoga Mahendra Yusuf Wibisono Zia'ul Fatwa Andini Yusuf