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All Journal International Journal of Advanced Multidisciplinary Journal of Governance, Taxation, and Auditing
Abyadi, Syaidil
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Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences

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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.
The Effect of Competence, Training and Motivation on Work Productivity by Moderating Incentives on State Civil Apparatus Employees of the Regional Secretariat of Karimun District ABYADI, Syaidil; DAHLAN, Dahlan; YANTI, Sri
Journal of Governance, Taxation and Auditing Vol. 4 No. 2 (2025): Journal of Governance, Taxation and Auditing (October - December 2025) - In Pre
Publisher : PT Keberlanjutan Strategis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38142/jogta.v4i2.1599

Abstract

This study aims to understand and measure the effectiveness and efficiency of performance in various sectors, especially in public services. For State Civil Apparatus (ASN), work productivity not only affects the quality of services provided to the public, but also determines the extent to which the organization can fulfill its goals and mandates. As an integral part of efforts to improve the quality of public services, the work productivity of State Civil Apparatus (ASN) plays a very important role in the success of local governments in meeting community needs. This study was conducted at the Regional Secretariat of Karimun Regency, located in the Regent's Office Complex, Bukit Gading Building (Building D), Jl. Jend. Sudirman - Poros Tanjung Balai Karimun, Karimun Regency, Riau Islands Province, Indonesia.
Co-Authors Andrian, Nopy Dahlan Dahlan Daniel Dewi Anggraeni, Poppy Efna, Desi Elkarima, Naseha Eva, Kemistia Muammar Khaddafi Rickiany, Liza Sri Yanti