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Meningkatkan Perilaku Menabung UMKM Cikupa dengan Implementasi Strategi Financial Nudging yang Efektif Munir Nur Komarudin; Dadang Suhardi; Deri Prayudi; Darul Fadli; Dzalika Bunga Azzahra
JAMARI : Jurnal Pengabdian Masyarakat Mandiri Vol. 2 No. 2 (2026): Januari
Publisher : Universitas Insan Cendekia Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37577/.v2i2.1008

Abstract

This community service activity aims to test the effectiveness of the implementation of the Financial Nudging strategy in improving savings behavior among Micro, Small, and Medium Enterprises (MSMEs) in Cikupa Village, Darma Kuningan. The local MSME community often faces challenges of undisciplined cash management and high financial vulnerability, which are key issues relevant to the sustainability of their businesses. The method used is a behavior-based intervention with a direct survey approach, involving a series of subtle "nudges", such as visual goal setting, savings commitment forms, and default settings for fund allocation. Based on the results of the program evaluation, it shows that the Financial Nudging intervention is able to significantly increase the frequency and amount of funds allocated by MSMEs for savings. In conclusion, Financial Nudging has proven to be a practical, low-cost, and sustainable solution. Its positive impacts are the creation of better financial discipline, reduced dependence on informal loans, and increased financial resilience of MSMEs, which ultimately contribute to the economic stability and welfare of the Cikupa Village community.
Double Burden of Professional and Domestic Roles: Work-Family Conflict, Workload, and Job Stress as Predictors of Performance among Female Healthcare Workers in Hospitals Rina Masruroh; Deri Prayudi; Aris Budiman; Winda Oktaviani; Dini Alviani
Inkubis : Jurnal Ekonomi dan Bisnis Vol. 8 No. 3 (2026): INKUBIS Jurnal Ekonomi Dan Bisnis
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59261/inkubis.v8i3.396

Abstract

Background: Female healthcare workers in Indonesia face dual demands from professional and domestic roles, which may affect their work performance. Objective: This study examines the simultaneous and partial effects of work-family conflict (WFC), workload, and work stress on the performance of female healthcare workers, drawing on Role Conflict Theory, Conservation of Resources Theory, and Job Demands-Resources Theory. Methods: A quantitative cross-sectional survey was conducted among 130 female healthcare workers in hospitals in Kuningan Regency, West Java, selected through purposive sampling. Data were collected using a seven-point Likert-scale questionnaire and analyzed using multiple linear regression. Results: WFC and work stress had positive and significant effects on performance, with coefficients of 0.374 (p=0.014) and 0.146 (p=0.022), respectively. In contrast, workload had a negative and significant effect (B=−0.397; p=0.001) and was the strongest predictor based on its standardized coefficient (β=−0.298). Simultaneously, WFC, workload, and work stress significantly affected performance (F=22.687; p<0.001), explaining 35.1% of its variance (R²=0.351). Conclusion: The findings indicate that work pressure does not uniformly impair performance in the collectivist Indonesian context. WFC and work stress may function as performance-enhancing factors when supported by adaptive and professional conditions, whereas workload remains a critical constraint requiring organizational intervention. These findings highlight the importance of culturally sensitive human resource policies that prioritize workload management while providing appropriate support for female healthcare workers.