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All Journal Media Ekonomi dan Manajemen Serat Acitya Jurnal Ilmiah Dinamika Ekonomi dan Bisnis Jurnal Pengabdian kepada Masyarakat Annals of Human Resource Management Research Jurnal Riset sosial humaniora, dan Pendidikan (Soshumdik) Proceedings of The International Conference on Business and Economics Indonesian Journal of Community Empowerment Journal of Business and Management Innovations
Sri Suyati
Universitas 17 Agustus 1945 Semarang
Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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Enhancing employee financial capability via super-apps: A case study in Semarang Suyati, Sri; Nurchayati, Nurchayati; Soegiastuti, Janti
Annals of Human Resource Management Research Vol. 5 No. 4 (2025): December
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/ahrmr.v5i4.3301

Abstract

Purpose: Digital transformation has driven the development of technology-based financial services, including super-apps that integrate various services in one platform. This study aims to analyze the effect of super-apps usage and digital literacy on people's financial behavior, with financial inclusion as a mediating variable. Research Methodology: This study uses a quantitative approach with the Partial Least Squares–Structural Equation Modeling (PLS-SEM) analysis technique. Respondents were 194 people from Semarang City who were active users of super-apps services. Results: The results of the study show that the use of super-apps and digital literacy have a positive effect on financial behavior, both directly and indirectly through financial inclusion. Digital literacy is proven to have the strongest influence on financial inclusion, which then significantly mediates the relationship between digital literacy and financial behavior. Meanwhile, the indirect effect of super-apps usage on financial behavior through financial inclusion is relatively small. Conclusions: These findings emphasize the importance of increasing digital literacy to encourage broader financial inclusion and wiser financial behavior. Limitations: This study is limited to a sample of 194 respondents in Semarang, so the findings cannot be widely generalized. The use of self-report questionnaires may introduce bias. The variables examined are still limited, and the cross-sectional design cannot explain causal relationships. In addition, the study does not differentiate types of super-apps and does not consider structural factors such as income and digital infrastructure. Contribution: May consider adding variables such as trust in fintech, personal financial efficacy, or digital security risks.
Business Transformation, Development of Human Resources Knowledge as The Key to Sustainability of Family MSME Businesses Honorata Ratnawati Dwi Putranti; Sri Suyati; Adison Adrianus Sihombing; Mohamed Salah Elsayed Shalabi
BUSMI : Journal of Business and Management Innovations Vol. 1 No. 3 (2025): BUSMI : Journal of Business and Management Innovations
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

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Business transformation and development training are key determining elements in inviting family MSME businesses, especially in the context of increasingly tight business competition. This research aims to examine the impact of business transformation on desires through developing knowledge on the desires of family business MSMEs, by considering tacit and explicit factors. The research also investigates the moderating potential of the Human Resources (HR) knowledge development variable on business interest. The research results show that business transformation has a positive and significant influence on business continuity, and this influence occurs through the Human Recouse Knowlange Management (HRKM). However, the challenges and challenges faced by the MSME family. One of them is the limited amount of tacit knowledge possessed by the older generation, as well as the lack of financial support for training. Apart from that, complex government regulations also become obstacles in implementing transformation and training. Therefore, to achieve better outcomes in family businesses, it is important to address these challenges, either through better financial support, more effective tacit knowledge transfer, or simplification of government regulations. In this way, family MSMEs in the food sector can be better prepared to face increasingly fierce business competition and encourage their business aspirations.
KELAYAKAN FINANSIAL DAN PEMBIAYAAN BATIK BERBASIS PEWARNA ALAMI STRATEGI PENGUATAN DAYA SAING PARIWISATA BERKELANJUTAN DI SEMARANG Sri Suyati; Siti Aminah; Parju Parju; Nurchayati Nurchayati; Suparmi Suparmi; Heru Eko Prasetyo; Amzar Amzar
MAJU : Indonesian Journal of Community Empowerment Vol. 3 No. 3 (2026): MAJU : Indonesian Journal of Community Empowerment, Mei 2026
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/maju.v3i3.2540

Abstract

Batik is an Indonesian cultural heritage recognized by UNESCO as Intangible Cultural Heritage since 2009. In the midst of modern industrial development, conventional batik production faces serious challenges related to environmental impacts from synthetic chemical dye use. This community service program aims to develop environmentally friendly batik by integrating proper financial analysis and financing strategies for SME craftspeople, while linking it to the sustainable tourism ecosystem. Financial studies include investment feasibility analysis (Net Present Value/NPV, Internal Rate of Return/IRR, and Payback Period), social capital-based financing structures, and potential access to green financing from financial institutions. Activities were carried out at Tapak Dara Village, Meteseh Sub-district, Tembalang District, Semarang City in February 2026, involving at least 30 batik artisans. Expected outcomes include improved financial literacy of craftspeople, development of bankable business models, at least 30% income growth, and the creation of high-value creative ecotourism packages. This program contributes to achieving the Sustainable Development Goals (SDGs), particularly goals 8 (Decent Work and Economic Growth) and 12 (Responsible Consumption and Production).  
Co-Authors Adison Adrianus Sihombing Amzar Amzar Djuwartini Giyah Yuliari Heru Eko Prasetyo Hikmah Hikmah Janti Soegiastuti Khamimah Khamimah Khamimah Khamimah Mohamed Salah Elsayed Shalabi N. Mazaniyyah Nurchayati Nurchayati Nurchayati Nurchayati Parju Parju Prihatin Tiyanto Ratnawati Dwi Putranti Honorata Siti Aminah Suparmi Suparmi Suparmi