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All Journal Jurnal Online Insan Akuntan Jurnal Multidisiplin Sahombu
Heni Indah Pratiwi
Unknown Affiliation
Arts Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice

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Faktor-Faktor yang Mempengaruhi Penggunaan Informasi Akuntansi pada UMKM di Kecamatan Kibin Indyyati Indyyati; Heni Indah Pratiwi; Lia Uzliawati
JURNAL ONLINE INSAN AKUNTAN Vol 8 No 1 (2023): Jurnal Online Insan Akuntan (Juni 2023)
Publisher : Penelitian dan Pengabdian Masyarakat Universitas Bina Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51211/joia.v8i1.2068

Abstract

Abstract: The Purpose Of This Reseach Is To Find Out There are still many Micro, Small and Medium Enterprises in the Kibin District that have not applied the principles of accounting information; Micro, Small and Medium Enterprises in the Kibin District have not received empowerment and education regarding accounting information to be applied in their business activities from the Kibin District Government authorities; and Micro, Small and Medium Enterprises in the Kibin District area only rely on simple financial records so that it is difficult to access capital services for banking companies. The purpose of this study was to determine the effect of business scale, education and training simultaneously on the use of accounting information for MSME actors in Kibin District. The research method used is causal associative with a quantitative approach. The results showed that partially the business scale variable (????1) had a positive influence on the variable use of accounting information (Y), then the education variable (????2) had an influence on the variable use of accounting information (Y). then the training variable (????3) has a negative effect on the variable use of accounting information (Y). Meanwhile, it simultaneously shows that there is an influence between the variables of business scale, education and training simultaneously (business scale, education and training) on the variable of using accounting information (Y) in Kibin District.
Stimulating Financial Planning Behavior Through Frontline Employees: a Triadic Analysis of the Role of Servant Leadership and Customer Stewardship Climate in Islamic Banks in Indonesia Heni Indah Pratiwi; Galih Fajar Muttaqin; Edward Fazri
Jurnal Multidisiplin Sahombu Vol. 5 No. 07 (2025): Jurnal Multidisiplin Sahombu, November - December (2025)
Publisher : Sean Institute

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Abstract

Objectives This study aims to investigate the mechanisms through which Frontline Employees (FLEs) in Islamic banks in Indonesia can motivate improved customer financial planning behavior. This study further analyzes how servant leadership and customer stewardship climate strengthen these mechanisms. Design/Methodology or Approach This quantitative study used a triadic approach with data collected from 45 managers, 165 FLEs, and 600 customers from various Islamic banks in Java and Sumatra. Data were analyzed using Structural Equation Modeling (SEM) with bootstrapping techniques to test the mediation and moderation hypotheses. Findings The results prove that FLEs' attention to detail significantly improves customer financial planning behavior through multiple mediation, namely service customization and promotion focus. Another key finding shows that servant leadership and customer stewardship climate positively moderate the relationship between attention to detail and service customization, thereby strengthening the overall indirect effect. Limitations or Implications of the Study The geographic scope and sector (Islamic) specificity are the main limitations. The research implications emphasize the importance of recruiting and training FLEs who are detail-oriented and empathetic, as well as building an organizational culture supported by servant leadership. Originality or Value: This research is one of the first to integrate Regulatory Focus Theory and Conservation of Resources Theory in the context of Islamic financial services in Indonesia. Using a triadic approach, this study provides empirical evidence on the synergy between individuals (FLEs), leadership, and organizational climate in achieving transformative outcomes for customers.
Co-Authors Edward Fazri Galih Fajar Muttaqin Indyyati Indyyati Lia Uzliawati