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Understanding the Financial Dynamics of SMEs: The Impact of Literacy, Inclusion, and Education on Financial Behavior in Small Food Stall Businesses in Bekasi Regency Elkarima, Naseha; Khaddafi, Muammar; Daniel; Efna, Desi; Eva, Kemistia; Rickiany, Liza; Dewi Anggraeni, Poppy; Andrian, Nopy; Abyadi, Syaidil
International Journal of Advanced Multidisciplinary Vol. 2 No. 4 (2024): International Journal of Advanced Multidisciplinary (January-March 2024)
Publisher : Green Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/ijam.v2i4.469

Abstract

This research explores the intricate financial dynamics of Small and Medium-sized Enterprises (SMEs) by investigating the influence of financial literacy, financial inclusion, and education on the financial behavior of small food stall businesses in Bekasi Regency. The study confirms that financial literacy significantly and positively affects the financial behavior of food stall entrepreneurs, emphasizing its role in effective financial management. Financial inclusion also plays a pivotal role, with a positive correlation between access to financial services and favorable financial behavior, though disparities in utilization exist. Moreover, education exhibits a significant positive influence on financial behavior, highlighting the benefits of higher education levels among entrepreneurs. In conclusion, this study underscores the importance of enhancing financial literacy and inclusion initiatives for SMEs to promote sound financial practices and informed decision-making. These insights are valuable for policymakers, financial institutions, and SME support organizations seeking to foster the growth and sustainability of small businesses in the region.
Transformational Leadership, Digital Competence, and Employee Performance: Examining the Mediating Role of Self-Efficacy and the Moderating Influence of Perceived Organizational Support in Riau Islands Province Dewi, Nolla Puspita; Nurhatisyah, Nurhatisyah; Elkarima, Naseha; Pawar, Avinash
Jurnal Manajemen Bisnis Vol. 16 No. 1 (2025): March 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/mb.v16i1.25429

Abstract

Research aims: To examine the influence of transformational leadership and digital competence on employee performance in Regional Apparatus Organizations (OPDs) in the Riau Islands Province, with self-efficacy as a mediating factor and organizational support as a moderating factor.Design/Methodology/Approach: A quantitative approach using a survey method was employed. Data were collected from 185 employees in OPD using a structured questionnaire. The analysis was conducted using Partial Least Squares Structural Equation Modeling (PLS-SEM) with Smart PLS software, allowing for both direct and indirect effect evaluations.Research findings: Transformational leadership and digital competence were found to significantly enhance employee performance, both directly and indirectly, with self-efficacy mediating their positive effects. Organizational support further strengthened these relationships as a moderating factor. Together, these variables accounted for 90.3% of the variance in performance, emphasizing the need for leadership that inspires and equips employees with digital skills to thrive in a technology-driven workplace.Theoretical Contribution/Originality: The study integrates leadership, digital competence, and psychological constructs (self-efficacy and organizational support) in the context of public sector organizations. It highlights the interplay between these variables, offering a comprehensive framework for improving employee performance in a digital era.Practitioners/Policy Implications: The study emphasizes the importance of developing transformational leadership through targeted training and prioritizing digital competence to address digital-era challenges. Organizations should strengthen support systems, such as continuous training and recognition programs, to boost employee confidence and engagement, fostering sustained performance, innovation, and resilience.Research Limitations/Implications: This study focuses on Regional Apparatus Organizations in Riau Islands Province, limiting generalizability. Its cross-sectional design restricts causal inference. As such, future research should consider longitudinal and qualitative approaches for deeper insights into these relationships.
Transformational Leadership, Digital Competence, and Employee Performance: Examining the Mediating Role of Self-Efficacy and the Moderating Influence of Perceived Organizational Support Dewi, Nolla Puspita; Nurhatisyah, Nurhatisyah; Elkarima, Naseha; Pawar, Avinash
Jurnal Manajemen Bisnis Vol. 16 No. 1: March 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/mb.v16i1.25429

Abstract

Research aims: To examine the influence of transformational leadership and digital competence on employee performance in Regional Apparatus Organizations (OPDs) in the Riau Islands Province, with self-efficacy as a mediating factor and organizational support as a moderating factor.Design/Methodology/Approach: A quantitative approach using a survey method was employed. Data were collected from 185 employees in OPD using a structured questionnaire. The analysis was conducted using Partial Least Squares Structural Equation Modeling (PLS-SEM) with Smart PLS software, allowing for both direct and indirect effect evaluations.Research findings: Transformational leadership and digital competence were found to significantly enhance employee performance, both directly and indirectly, with self-efficacy mediating their positive effects. Organizational support further strengthened these relationships as a moderating factor. Together, these variables accounted for 90.3% of the variance in performance, emphasizing the need for leadership that inspires and equips employees with digital skills to thrive in a technology-driven workplace.Theoretical Contribution/Originality: The study integrates leadership, digital competence, and psychological constructs (self-efficacy and organizational support) in the context of public sector organizations. It highlights the interplay between these variables, offering a comprehensive framework for improving employee performance in a digital era.Practitioners/Policy Implications: The study emphasizes the importance of developing transformational leadership through targeted training and prioritizing digital competence to address digital-era challenges. Organizations should strengthen support systems, such as continuous training and recognition programs, to boost employee confidence and engagement, fostering sustained performance, innovation, and resilience.Research Limitations/Implications: This study focuses on Regional Apparatus Organizations in Riau Islands Province, limiting generalizability. Its cross-sectional design restricts causal inference. As such, future research should consider longitudinal and qualitative approaches for deeper insights into these relationships.