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Journal : Income : Digital Business Journal

PERAN LITERASI KEUANGAN DALAM MENINGKATKAN INKLUSI KEUANGAN BAGI IBU RUMAH TANGGA YANG MENGELOLA UMKM Risdayanti, Risdayanti; Haedar, Haedar; Syafitri, Azifah
Income : Digital Business Journal Vol. 2 No. 2 (2024)
Publisher : Universitas Bumigora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30812/income.v2i2.4136

Abstract

Financial inclusion and financial literacy are two important factors that can improve the economic welfare of society, especially housewives who run micro, small and medium enterprises (MSMEs). This research aims to find out how financial literacy influences the financial inclusion of housewives who run MSMEs. This research uses a qualitative approach with a case study design. Data was collected through in-depth interviews with several housewives involved in MSMEs and analyzed using thematic analysis techniques. Research shows that low financial literacy hinders access to formal financial services. Housewives with high financial literacy tend to have easier access to formal financial products. These results highlight the importance of more formal and structured financial literacy training to increase financial inclusion for housewives who run MSMEs. Therefore, this research makes an important contribution to the development of more effective programs to improve financial literacy.
Pengaruh Gaya Hidup dan Citra Merek Terhadap Minat Beli Konsumen Ira, Isma Wati; Haedar, Haedar; Sulfitrah, Sulfitrah
Income : Digital Business Journal Vol. 2 No. 2 (2024)
Publisher : Universitas Bumigora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30812/income.v2i2.4139

Abstract

This study aims to determine whether the influence of lifestyle and brand image has a significant effect simultaneously and partially on the intention to buy an iPhone cellphone in Palopo City. The technique used in this research is purposive sampling. And this method uses a quantitative method using primary data, the data collection method uses a questionnaire survey of 100 respondents using iPhone cellphones in Palopo City. The analysis in this study used multiple linear regression analysis. After the data was collected, the data were analyzed using the SPSS version 23 program. The results of this study were using multiple linear regression analysis using the partial test (T), simultaneous test (F), and testing the coefficient of determination (R2).Based on the results of the study, it shows that simultaneously and partially lifestyle and brand image have a jointly and significantly positive effect on the intention to buy iPhone mobile phones in the city of Palopo. In the model formed by the influence of lifestyle and brand image on buying interest, it is able to explain that the variable of buying interest is 81.4% and the remaining 18.6% is influenced by other variables.
PENGARUH MOTIVASI DAN KOMUNIKASI TERHADAP KEPUASAN KERJA KARYAWAN Sudirman, Angrina Ananta; Haedar, Haedar; Nurmala, Nurmala
Income : Digital Business Journal Vol. 2 No. 2 (2024)
Publisher : Universitas Bumigora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30812/income.v2i2.4142

Abstract

Masalah manajemen sumber daya manusia dapat terjadi di organisasi mana pun, seperti sektor jasa atau industri manufaktur. Berdasarkan hasil wawancara terhadap beberapa karyawan terdapat beberapa permasalahan mengenai kepuasan kerja akibat kurangnya kepuasan terhadap jenis pekerjaan yang dilakukan dalam organisasi dan kepuasan kerja pada karyawan PT Bua Karya Utama. Tujuan penelitian ini adalah menganalisis pengaruh motivasi dan komunikasi terhadap kepuasan kerja karyawan PT Bua Karya Utama. Metode yang digunakan pada penelitian ini adalah kualitatif dan desain studi kasus, penelitian ini menemukan bahwa motivasi dan komunikasi mempunyai pengaruh positif dan signifikan terhadap kepuasan kerja karyawan. Karyawan yang termotivasi secara intrinsik dan ekstrinsik cenderung puas dengan pekerjaannya Selain itu, komunikasi yang efektif, terbuka, dan jujur ​​di tempat kerja juga dapat membantu meningkatkan kepuasan kerja karyawan. Hasil penelitian ini adalah menegaskan pentingnya motivasi dan komunikasi dalam menciptakan lingkungan kerja yang meningkatkan kepuasan kerja karyawan PT Bua Karya Utama merekomendasikan untuk memberikan perhatian khusus pada faktor-faktor yang memotivasi seperti peluang pengembangan karir dan remunerasi, serta memperkuat praktik komunikasi yang efektif seperti pertemuan rutin dan umpan balik yang membangun. Implikasi dari penelitian ini adalah memberikan rekomendasi bagi para karyawan PT Bua Karya Utama dalam meningkatkan motivasi kerja untuk mencapai kepuasan kerja dan meningkatkan jenjang karir karyawan.
PERAN LITERASI KEUANGAN DALAM MENINGKATKAN INKLUSI KEUANGAN BAGI IBU RUMAH TANGGA YANG MENGELOLA UMKM Risdayanti, Risdayanti; Haedar, Haedar; Syafitri, Azifah
Income : Digital Business Journal Vol. 2 No. 2 (2024)
Publisher : Universitas Bumigora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30812/income.v2i2.4136

Abstract

Financial inclusion and financial literacy are two important factors that can improve the economic welfare of society, especially housewives who run micro, small and medium enterprises (MSMEs). This research aims to find out how financial literacy influences the financial inclusion of housewives who run MSMEs. This research uses a qualitative approach with a case study design. Data was collected through in-depth interviews with several housewives involved in MSMEs and analyzed using thematic analysis techniques. Research shows that low financial literacy hinders access to formal financial services. Housewives with high financial literacy tend to have easier access to formal financial products. These results highlight the importance of more formal and structured financial literacy training to increase financial inclusion for housewives who run MSMEs. Therefore, this research makes an important contribution to the development of more effective programs to improve financial literacy.
Pengaruh Gaya Hidup dan Citra Merek Terhadap Minat Beli Konsumen Ira, Isma Wati; Haedar, Haedar; Sulfitrah, Sulfitrah
Income : Digital Business Journal Vol. 2 No. 2 (2024)
Publisher : Universitas Bumigora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30812/income.v2i2.4139

Abstract

This study aims to determine whether the influence of lifestyle and brand image has a significant effect simultaneously and partially on the intention to buy an iPhone cellphone in Palopo City. The technique used in this research is purposive sampling. And this method uses a quantitative method using primary data, the data collection method uses a questionnaire survey of 100 respondents using iPhone cellphones in Palopo City. The analysis in this study used multiple linear regression analysis. After the data was collected, the data were analyzed using the SPSS version 23 program. The results of this study were using multiple linear regression analysis using the partial test (T), simultaneous test (F), and testing the coefficient of determination (R2).Based on the results of the study, it shows that simultaneously and partially lifestyle and brand image have a jointly and significantly positive effect on the intention to buy iPhone mobile phones in the city of Palopo. In the model formed by the influence of lifestyle and brand image on buying interest, it is able to explain that the variable of buying interest is 81.4% and the remaining 18.6% is influenced by other variables.
PENGARUH MOTIVASI DAN KOMUNIKASI TERHADAP KEPUASAN KERJA KARYAWAN Sudirman, Angrina Ananta; Haedar, Haedar; Nurmala, Nurmala
Income : Digital Business Journal Vol. 2 No. 2 (2024)
Publisher : Universitas Bumigora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30812/income.v2i2.4142

Abstract

Masalah manajemen sumber daya manusia dapat terjadi di organisasi mana pun, seperti sektor jasa atau industri manufaktur. Berdasarkan hasil wawancara terhadap beberapa karyawan terdapat beberapa permasalahan mengenai kepuasan kerja akibat kurangnya kepuasan terhadap jenis pekerjaan yang dilakukan dalam organisasi dan kepuasan kerja pada karyawan PT Bua Karya Utama. Tujuan penelitian ini adalah menganalisis pengaruh motivasi dan komunikasi terhadap kepuasan kerja karyawan PT Bua Karya Utama. Metode yang digunakan pada penelitian ini adalah kualitatif dan desain studi kasus, penelitian ini menemukan bahwa motivasi dan komunikasi mempunyai pengaruh positif dan signifikan terhadap kepuasan kerja karyawan. Karyawan yang termotivasi secara intrinsik dan ekstrinsik cenderung puas dengan pekerjaannya Selain itu, komunikasi yang efektif, terbuka, dan jujur ​​di tempat kerja juga dapat membantu meningkatkan kepuasan kerja karyawan. Hasil penelitian ini adalah menegaskan pentingnya motivasi dan komunikasi dalam menciptakan lingkungan kerja yang meningkatkan kepuasan kerja karyawan PT Bua Karya Utama merekomendasikan untuk memberikan perhatian khusus pada faktor-faktor yang memotivasi seperti peluang pengembangan karir dan remunerasi, serta memperkuat praktik komunikasi yang efektif seperti pertemuan rutin dan umpan balik yang membangun. Implikasi dari penelitian ini adalah memberikan rekomendasi bagi para karyawan PT Bua Karya Utama dalam meningkatkan motivasi kerja untuk mencapai kepuasan kerja dan meningkatkan jenjang karir karyawan.