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All Journal JURNAL AKUNTANSI UNIVERSITAS JEMBER Journal of Accountancy FE UBB Jurnal Pengabdian Kepada Masyarakat Universitas Bangka Belitung Jurnal Akuntansi dan Pajak Jurnal Obsesi: Jurnal Pendidikan Anak Usia Dini Perspektif : Jurnal Ekonomi dan Manajemen Universitas Bina Sarana Informatika Agregat: Jurnal Ekonomi dan Bisnis JURNAL MANAJEMEN INDUSTRI DAN LOGISTIK JEM: JURNAL EKONOMI DAN MANAJEMEN EQIEN - JURNAL EKONOMI DAN BISNIS Journal of Humanities and Social Studies Jurnal STIE Semarang (Edisi Elektronik) PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat JAE (Jurnal Akuntansi dan Ekonomi) ECONOS Jurnal Ekonomi dan Sosial Jurnal Mantik Valid Jurnal Ilmiah International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Ekuivalensi JURNAL ILMIAH FEASIBLE (JIF) Jurnal Ilmiah Akuntansi Kesatuan Indonesian Journal of Electrical Engineering and Computer Science MANDAR: Management Development and Applied Research Journal Coopetition : Jurnal Ilmiah Manajemen International Journal Of Science, Technology & Management (IJSTM) International Journal on Social Science, Economics and Art Daengku: Journal of Humanities and Social Sciences Innovation Indonesian Journal of Social Science Research Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan International Journal of Applied Finance and Business Studies JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) International Journal of Science and Society (IJSOC) Jurnal of Applied Business and Banking (JABB) Margin Eco : Jurnal Ekonomi dan Perkembangan Bisnis eScience Humanity Journal Golden Ratio of Finance Management Jurnal Akuntansi dan Keuangan PEKBIS Jurnal Ekonomi dan Bisnis JURNAL ECONOMINA SWARNA Digital Bisnis: Jurnal Publikasi Ilmu Manajemen Dan E-commerce Indonesia Accounting Research Journal Electronic Journal of Education, Social Economics and Technology Journal of Educational Management Research International Journal of Enterprise Modelling Majority Science Journal Majapahit Journal of Islamic Finance dan Management GEMBIRA (Pengabdian Kepada Masyarakat) Jurnal Pengabdian Masyarakat dan Riset Pendidikan Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Majapahit Journal of Islamic Finance dan Management Jurnal Penelitian Pendidikan Indonesia Economic: Journal Economic and Business SENMEA Cognitionis Civitatis et Politicae Nomico Majalah Ilmiah Peternakan
Suhardi Suhardi
Universitas Pertiba
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering 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 Public Health Social Sciences Transportation Veterinary Other

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Fintech, sustainability, and risk: A bibliometric exploration of global trends in digital lending post-covid-19 Suhardi, Suhardi
International Journal of Applied Finance and Business Studies Vol. 12 No. 4 (2025): March: Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v12i4.354

Abstract

This study examines the transformation of digital lending in the post-COVID-19 era using a bibliometric approach, using the LinLog method, analyzing 1,250 indexed documents in Scopus on the Emerald website (2020–2025). VOSviewer and Bibliometrix tools were employed to identify thematic trends, conceptual networks, and research density. The overlay and density visualizations highlight the dominance of themes such as financial inclusion, digital finance, and strategy, with recent research focusing on sustainability, technology adoption, and risk management. Geographically, the Global South remains underrepresented in the literature. Three major challenges emerged: (1) systemic risks such as money laundering and cybersecurity vulnerabilities, (2) gender gaps in digital service access, and (3) fragmented ESG regulation. Visualization results also revealed growing interest in emerging topics like blockchain and AI ethics, though still underexplored. The study proposes adaptive regulatory sandboxes, gender-responsive financial literacy programs, and harmonising global standards as strategic policy responses. Future research should examine the long-term impact of digital lending on economic inequality and the role of technologies in enhancing transparency. These findings contribute to academic and practical discussions on building a resilient, inclusive, and SDG-aligned digital lending ecosystem.
The Role of Fintech in Mediating the Influence of Financial Efficiency and Risk Perception on Investment Decisions in the Capital Market Danang Setiawan, Riskal; Suhardi, S.; Astuti, Nelly; Sri Rejeki, Nadia
Golden Ratio of Finance Management Vol. 5 No. 2 (2025): April - September
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grfm.v5i2.1185

Abstract

This study analyzes the relationship between financial efficacy, the use of fintech services, investment decisions, and risk perception in the context of financial technology adoption and investment decision-making. The regression analysis results show that the model can explain variations in using fintech services and investment decisions. These findings suggest that although the model is relevant in explaining the factors that influence both variables, other external factors contribute to variation in individual financial decision-making. Path analysis shows financial efficacy positively and significantly influences fintech services and investment decisions. In addition, using fintech services also plays a role in encouraging investment decisions, with a path coefficient of the same size. Other findings suggest that risk perception has a positive relationship with fintech adoption, indicating that individuals with higher risk awareness are more likely to turn to fintech services to access more transparent and secure financial information. The implications of this study highlight the importance of financial education in increasing individual confidence in managing finances and the role of fintech in accelerating financial inclusion and investment participation. This research recommends strengthening digital financial literacy and developing policies that support the adoption of financial technology to increase the effectiveness of financial decision-making in the community.
The impact of sales growth, capital structure, and liquidity on the value of companies in the property sector Yomita, Yomita; Suhardi, Suhardi; Deseria, Rita
International Journal of Enterprise Modelling Vol. 19 No. 2 (2025): May: Enterprise Modelling
Publisher : International Enterprise Integration Association

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/int.jo.emod.v19i2.125

Abstract

This study aims to examine the influence of Sales Growth, Capital Structure, and Liquidity on Company Value in the property sector listed on the Indonesia Stock Exchange (IDX). Panel data from 31 property firms over the 2019–2023 period (155 firm-year observations) were analyzed using the Random Effects Model, selected based on statistical tests to address unobserved heterogeneity across firms and time. The results indicate that Capital Structure (DER) has a significant negative effect on Company Value (PBV), supporting the Trade-Off Theory in the context of excessive debt risk under high interest rates. Liquidity (CR) has a significant positive effect, highlighting the importance of stable cash flow in sustaining firm value. Meanwhile, Sales Growth (SG) is found to be statistically insignificant, suggesting that although sales expansion may enhance firm value, post-pandemic market uncertainty causes investor skepticism regarding its sustainability. Practically, the findings imply that investors should carefully assess a firm's debt policy and liquidity strategy, while corporate managers must ensure that sales growth is supported by sustainable financing and operational efficiency rather than aggressive expansion. This study contributes to the literature by exploring the unique dynamics of Indonesia’s property sector, which is highly influenced by government policies and macroeconomic volatility. Future research is recommended to incorporate macroeconomic variables and differentiate between residential and commercial property subsectors to provide deeper insights.
The effect of capital structure, liquidity, activity ratio, and profitability on the value of pharmaceutical companies Firnandes, Firnandes; Suhardi, Suhardi; Adriana, Nana
International Journal of Enterprise Modelling Vol. 19 No. 2 (2025): May: Enterprise Modelling
Publisher : International Enterprise Integration Association

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/int.jo.emod.v19i2.126

Abstract

This study aims to investigate the impact of capital structure, liquidity, activity ratio, and profitability on firm value in the pharmaceutical sector listed on the Indonesia Stock Exchange (IDX) during the period from 2018 to 2023. A quantitative approach was employed using multiple linear regression analysis to analyze panel data from 10 pharmaceutical companies, resulting in a total of 60 observations (n = 60). The results of the regression analysis indicate that only capital structure has a significant effect on firm value. In contrast, liquidity, activity ratio, and profitability do not show a significant impact. These findings were influenced by the dynamics of the capital market during the study period, particularly the effects of the COVID-19 pandemic, which altered investors' strategies and priorities. The results highlight the importance of adopting a more comprehensive approach in evaluating firm value within the pharmaceutical industry by incorporating external factors and additional financial metrics. Future research is recommended to include macroeconomic variables and industry policies to gain a more holistic understanding.
Pelatihan Budidaya Ikan Air Tawar dan Peluang Pemasaran: Freshwater Fish Cultivation Training and Marketing Opportunities Firdaus, Rahmad; Hermanto, Hermanto; Nugroho, Fithriawan; Maryani, Cik; Fauzi, Aditya Ahmad; Suhardi, Suhardi; Marna, Marna
PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Vol. 10 No. 5 (2025): PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat
Publisher : Institute for Research and Community Services Universitas Muhammadiyah Palangkaraya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33084/pengabdianmu.v10i5.9198

Abstract

The freshwater fish farming and digital marketing training program for communities in Central Bangka Regency aims to improve participants' technical skills and marketing abilities to support the regional economy. This program is implemented through activities including theoretical learning about aquaculture, direct practice, and digital marketing training. This Community Service activity uses survey and observation methods to measure the impact of training on participants' technical understanding, productivity, and income. The results of the community service activities showed a significant increase in technical knowledge, digital marketing skills, and aquaculture productivity. Participants' understanding of pond management, seed selection, feeding techniques, and disease control increased significantly. In addition, participants' average monthly income increased by 30% after training. This program effectively equips communities with relevant skills, demonstrating that integrated training that includes technical and digital marketing aspects can drive economic growth in rural communities.
The Influence of Sharia Financial Literacy, Risk Perception, and Social Influence on Sharia Financial Inclusion of Gen Z: The Role of Interest Mediation Ridho Alamsyah; Suhardi, Suhardi; Effendi Sugianto
AKUA: Jurnal Akuntansi dan Keuangan Vol. 4 No. 2 (2025): April 2025
Publisher : Yayasan Pendidikan Penelitian Pengabdian Algero

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54259/akua.v4i2.4199

Abstract

This study analyzes the role of interest mediation in the relationship between Islamic financial literacy, risk perception, and social influence on Islamic financial inclusion in Generation Z. This study uses a quantitative approach with a survey method of 310 Gen Z respondents in Bangka Belitung. The analysis was conducted using Structural Equation Modeling (SEM) to test the relationship between variables, including the role of interest mediation in encouraging Islamic financial inclusion. The results of the study show that interest plays a significant mediator in the relationship between Islamic financial literacy and Islamic financial inclusion. Islamic financial literacy has a positive impact on interest, which in turn increases Islamic financial inclusion. However, risk perception negatively impacts interests, which hinders Islamic financial inclusion. Conversely, social influence has a direct positive impact on Islamic financial inclusion without the need to be mediated by interest. The implications of this study show the need for Islamic financial literacy education in the form of interactive digital and product transparency to reduce risk perception. In addition, the use of social influence through communities and technology-based incentives can increase interest in Islamic financial products.
Digital Transformational Leadership: A Bibliometric Study of Digital Transformation Trends, Themes, and Challenges in Organizations Kismiadi, Kismiadi; Firdaus, Rahmad; Suhardi, Suhardi
Economic: Journal Economic and Business Vol. 4 No. 2 (2025): ECONOMIC: Journal Economic and Business
Publisher : Lembaga Riset Mutiara Akbar (LARISMA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56495/ejeb.v4i2.1007

Abstract

Digital transformation has become the centre of attention in modern organizational strategies, especially in the context of digital transformational leadership. This research aims to map the intellectual structure and global research trends related to these themes through a bibliometric approach. Data were obtained from the ScienceDirect database using the keyword "digital transformational leadership" and coverage of the publication years 2020 to 2025. A total of 500 articles that met the inclusion criteria were analyzed using the VOSviewer software. The visualization results show five main clusters that are interconnected, namely digital leadership, digital competence, digital innovation, barrier to transformation, and sustainable performance. Digital leadership emerged as a central theme, while barriers and technostress became a new issue that developed in the latest literature trends. The visual overlay analysis also shows a shift in focus from the technological aspect to the strategic and human resources aspect. This research makes a theoretical contribution in identifying the direction and opportunities for advanced research in the field of digital leadership, as well as practical implications for organizations in sustainably managing digital transformation. This study also emphasizes the importance of digital competence, continuous innovation, and mitigation of technological barriers as the foundation for organizational success in the era of digital disruption.
The Impact of Night Shift, Work-Life Balance, and Ergonomic Factors on Occupational Accident Risk with Compliance to Safety Protocols Tjiknang, Muhammad Abbyzard Dava; Suhardi, Suhardi; Kurniadi, Dedi
Economic: Journal Economic and Business Vol. 4 No. 2 (2025): ECONOMIC: Journal Economic and Business
Publisher : Lembaga Riset Mutiara Akbar (LARISMA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56495/ejeb.v4i2.1008

Abstract

This study aims to analyze the impact of night shifts, work-life balance, and ergonomic factors on the risk of workplace accidents, with compliance to safety protocols as a mediating variable. The research was conducted on 154 respondents working in high-risk sectors. Data analysis was carried out using Partial Least Squares Structural Equation Modeling (PLS-SEM) with the SmartPLS 4 software. The results show that night shifts have a significant and positive effect on the risk of workplace accidents. Meanwhile, work-life balance and ergonomic factors significantly influence compliance with safety protocols. However, compliance with safety protocols does not significantly affect the risk of accidents, and thus does not mediate the relationships between the other variables in the proposed model. These findings highlight the importance of better-managed night shift systems and the reinforcement of ergonomic conditions and work-life balance in ensuring a safe working environment. The practical implications call for managerial interventions and holistic occupational safety policies. Future studies are recommended to include additional variables such as job stress or safety culture, and to consider mixed-method approaches for a more comprehensive understanding.
The Effect of Entrepreneurial Spirit, Creativity, and Business Capital on Business Sustainability with Innovative Excellence as an Intervening Variable Zikri, Inanda; Suhardi, Suhardi; Radiansyah, Adrian
Economic: Journal Economic and Business Vol. 4 No. 2 (2025): ECONOMIC: Journal Economic and Business
Publisher : Lembaga Riset Mutiara Akbar (LARISMA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56495/ejeb.v4i2.1025

Abstract

This study aims to analyze the influence of creativity, venture capital, and entrepreneurial spirit on business sustainability, with innovation excellence as a mediating variable in the Micro, Small, and Medium Enterprises (MSMEs) sector. The background of this study lies in the crucial role of innovation in strengthening the competitiveness and sustainability of MSMEs in the midst of a constantly changing business environment. The method used is a quantitative approach using Partial Least Squares-based Structural Equation Modeling (PLS-SEM). Data were collected through closed questionnaires distributed to 150 active MSME actors in Pangkalpinang. The results of the analysis show that creativity and venture capital significantly and indirectly affect business sustainability through innovation excellence. Innovation excellence is proven to be a significant mediating variable, strengthening the relationship between internal business factors and sustainability. In contrast, entrepreneurial spirit does not show a significant influence, either directly or indirectly, through innovation. These findings emphasize that business strategies that focus on increasing innovation and creativity, supported by adequate access to capital, are more effective in creating sustainable companies.
The Impact of Service Quality, Medical Personnel Communication, and Facility Availability on Patient Satisfaction with Patient Economic Perceptions as Moderating Variables Indinastin, Indinastin; Suhardi, Suhardi; Amin, Mat; Firdaus, Rahmad
Economic: Journal Economic and Business Vol. 4 No. 2 (2025): ECONOMIC: Journal Economic and Business
Publisher : Lembaga Riset Mutiara Akbar (LARISMA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56495/ejeb.v4i2.1037

Abstract

This study aims to analyze the influence of service quality, interpersonal communication of medical personnel, and facility availability on patient satisfaction at Pangkalpinang City General Hospital (RSUD Kota Pangkalpinang), as well as to examine the mediating role of patients' economic perception. A quantitative approach was employed through a survey method involving 218 outpatient and inpatient respondents. Data were analyzed using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS) with the SmartPLS 4 application. The results indicate that service quality, interpersonal communication, and facility availability have a positive and significant effect on patient satisfaction. Furthermore, patients’ economic perception significantly mediates the relationship between service quality and interpersonal communication with patient satisfaction, but does not significantly mediate the relationship between facility availability and patient satisfaction. These findings underscore the importance of improving service quality and interpersonal communication, as well as strengthening patients’ economic perception to optimize patient satisfaction in hospitals. This research provides practical implications for hospital management in designing more holistic and patient-oriented service quality improvement strategies.
Co-Authors A., WIBOWO Aat Ruchiat Nugraha Abdul Gani Abdul Ghani Yasir Abdul Rasyid Achmad Yanu Aliffianto Adenk Sudarwanto Aditya Ahmad Fauzi Adrie Oktavio Afrizal Afrizal Afrizal Afrizal Agus Sofyan Ahmad Juliyanta ahmad yani Ahmad Yani Ahmad Yani Akbar, Jufrisani Alam Surya Wijaya Amanda, Ferdita Amin, Mat Andi Harmoko Arifin Andi Sri Rezky Wulandari Andre Agasi ANDRI KURNIAWAN Andriana, Nana Anggita Savitri Anggreani, Yulistina Anisa Anisa Anita Anita Arie Fitria Arie Fitria Arif E., M. All Arista Sri Ayu Lestari Arjuna Arjuna Arsita, Herlin Asrul Sani Ayu Windari Azzahra, Azzahra Bagas Olanda Bambang Bernanthos Barokah, Muhammad Bayu Lesmana C., QAMARA Cahaya Okta Ramadani Cery Zepetiyana Chairil Afandy Danang Budi Prasetya Danang Setiawan, Riskal Darus Altin dedi kurniadi Degdo Suprayitno Deli, Deli Desi Ratnasari Diah Fatma Sjoraida Djunaedi Dwi Pranesta, Dhea Edwin Syahada, Levania Eko Riyadi Elismayanti Rembe Ernasari, Desi Erwin Masud Eva Desembrianita Eva Romauli Evisastra Evisastra Fadillah Sabri Faisol Faisol Faiza, Garwa Fariq Zabran Adha Fauzi, Rizal Ula Ananra Fery Frandica Finny Redjeki Firnandes, Firnandes Fithriawan Nugroho Fithriawan Nugroho Fitria, Arie Fryan Sopacua Genta Aditya GESTY ERNESTIVITA Guna, Bucky Wibawa Karya Hamdan Hamdan Hamdan Hamdan Hamdan Hasibuan, Rosida Hatidja, Hatidja Hendi Suprianto Herdiansyah, Sayyid Herlina Hermanto Hermanto Heru Bekti Santosa Hudaeni, Nurul Imron Imron Indah Julianti Indinastin, Indinastin Indri Briliani Irza Ayu Salsabilla Jamaluddin Jamaludin . Jann Hidajat Tjakraatmadja Jenni Lambas Siregar Jufri Sani Akbar Jufrisani Akbar Juhari Junaidi Abdillah Kalista Kalista Karisma Karisma Kismiadi, Kismiadi Lara Anjalita Linawati Linawati1 Listia, Rosa Vavita M Faisal Akbar M. H., WIJAKESUMA M. Yusuf Bahtiar Maera Zasari Marna, Marna Maryani, Cik Maryati Maryati Mat Amin Mat Amin Mauli Sarintan Mega Fatimah Rosana Melani Melani Meylie Cawla Miftachul Amri Mohamad Makrus Mohamad Makrus Muchammad Chusnan Aprianto Muhammad Azril Muhammad Fachri Muhammad Raffi Uz-Zaky Munir Munir, Munir Nadia Sri Rejeki Nadia Sri Rezeki Nadia Sri Rezeki Nadila Febriani Nana Adriana Nasrul Arifin Pohan Nelly Astuti Nelly Astuti Nerry Arista Nur Hidayati Nur Hidayati Nurfa Rini Husvifa Nurisma, Dhea Nurul Hudaeni Oktora, Ria Panca Tuah Tuha Parid Akmal Daffa Prabaswara, Tsaqif Pranata, Agung Puji Astuti Purwasih, Rani Radiansyah, Adrian Rahayu, Olivia Rahmad Firdaus Rahmad Firdaus Rahmad Firdaus Rahmad Firdaus Rahmat Hidayat Rama Debi Satiawan Rani Rani Rean Mitasari Reditayani, Ni Kadek Rejeki, Nadia Sri Rembe, Elismayanti Reniati Reniati Resti Rosanabila Restu Wahyuni Rian Fauzi Ridho Alamsyah Rima Rachmawati Rita Deseria Rizal Ula Ananta Fauzi Rizki Auliddiah Rizki Dila Suhera Rizyana Mirda Sakina Fitri Syahwa Santosa, Tomi Apra Sapira, Bella Sari, Kadek Kartika Serli Marcelina Sevtia Anandita Sidrotun Na'im Siti Aisyah Siti Mujanah Siti Napisah Siti Napisah Soemadijo, Pramita Studiviany Sri Rejeki, Nadia St. Hatidja St.Hatidja Sudarso Kader Wiryono Sugianto Sugianto, Efendi Sutiono Titi Nurjanah Titik Purwanti Titik Purwati Tjiknang, Muhammad Abbyzard Dava Tomi Apra Santosa Tomi Apra Santosa Tongam E Panggabean Tri Agustin, Tri Tri Suparyanto Tria Maulia Tritami, Devita Ulandari, Sintia Usmany, Paul Uz-zaky, Muhammad Raffi Virna Dewi Wangdra, Yvonne Warindra, Ade Septiarisna Wasiman, Wasiman Wicaksana, Hangga WIDIARTA, I P. G. D. Winda Purnamasari Wiyanti S, Lina Yomita, Yomita Yulanda, Siti Ayu Yusuf Bahtiar Zikri, Inanda Zumalia