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All Journal International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Jurnal Pengabdian Masyarakat dan Riset Pendidikan KOPEMAS Jurnal Ilmiah Ekonomi dan Manajemen Indonesia IJEMA
Wirasmi Wardhani
Universitas Mulawarman
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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THE EFFECT OF FINANCIAL LITERACY, FINANCIAL INCLUSION, AND GENDER BEHAVIOR ON INVESTMENT DECISIONS WITH INVESTMENT EXPERIENCE AS A MODERATING Iwan Sujarwo; Musdalifah Azis; Wirasmi Wardhani
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 4 (2026): MARCH
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.19362564

Abstract

This study investigates the determinants of investment decisions among culinary Micro, Small, and Medium Enterprises (MSMEs) in Balikpapan, Indonesia. It addresses the critical need to understand why MSMEs, vital to economic resilience, often underutilize formal investment channels despite growing financial access. The research specifically examines the direct effects of financial literacy, financial inclusion, and gender behavior on investment decisions, and tests whether investment experience moderates these relationships. Employing a quantitative explanatory approach, data were collected via surveys from 130 MSME owners/managers and analyzed using PLS-SEM. The findings reveal that financial literacy and investment experience have a significant positive direct impact on investment decisions. Contrary to expectations, financial inclusion and gender behavior showed no significant direct effects. Furthermore, investment experience did not function as a significant moderating variable. The study concludes that for culinary MSMEs in this context, practical knowledge and direct experience are paramount drivers of investment decision quality, overshadowing the role of their access to finance or gender-based behavioral predispositions. These results emphasize the importance of designing MSME support programs that prioritize experiential financial education over generic access expansion. The research contributes to behavioral finance literature by providing a nuanced, context-specific model for MSME investment behavior.
THE EFFECT OF MOTIVATION, TRANSFORMATIONAL LEADERSHIP, AND SOCIAL SUPPORT ON PERSONNEL PERFORMANCE THROUGH WORKLOAD PROPORTIONALISM IN THE EAST KALIMANTAN REGIONAL POLICE INVESTIGATION Teddy Chandra; Irsan Tricahyadinata; Wirasmi Wardhani
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 6 (2026): MAY
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20006326

Abstract

This study examines the influence of work motivation, transformational leadership, and social support on personnel performance through workload proportionalism at the Narcotics Criminal Investigation Directorate (Ditresnarkoba) of East Kalimantan Regional Police (Polda Kaltim). The research employs a quantitative explanatory approach using Structural Equation Modeling-Partial Least Squares (SEM-PLS) with SmartPLS 3.3.9, involving 80 personnel as respondents selected through purposive sampling. Results indicate that work motivation, transformational leadership, and social support each positively and significantly influence workload proportionalism. Transformational leadership, social support, and workload proportionalism also significantly and positively affect personnel performance directly. However, work motivation does not directly influence performance, suggesting full mediation through workload proportionalism. Workload proportionalism partially mediates the effects of transformational leadership and social support on performance. These findings confirm that workload proportionalism is a critical mediating construct integrating Self-Determination Theory, Transformational Leadership Theory, and Social Support Theory in high-pressure organizational contexts.
THE EFFECT OF TECHNOLOGY PREFERENCES AND CHANGES IN CONSUMER TASTES ON CUSTOMER LOYALTY ON E-COMMERCE PLATFORMS: THE ROLE OF PURCHASE DECISIONS AS A MEDIATION VARIABLE THE EFFECT OF TECHNOLOGY PREFERENCES AND CHANGES IN CONSUMER TASTE ON CUSTOMER LOYALT Firdaus Rofiansyah; Saida Zainurossalamia; Wirasmi Wardhani
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 6 (2026): MAY
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20181441

Abstract

This study aims to analyze the effect of technology preferences and changes in consumer tastes on customer loyalty in e-commerce platforms, with purchase decision as a mediating variable. The rapid growth of e-commerce requires a comprehensive understanding of factors influencing digital consumer behavior. This research employs a quantitative approach using survey data collected from e-commerce users in Indonesia. The data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) to examine both direct and indirect relationships among variables. The results indicate that technology preferences and changes in consumer tastes significantly affect purchase decisions. Furthermore, purchase decisions significantly influence customer loyalty. In addition, purchase decisions act as a mediating variable that strengthens the relationship between technology preferences and consumer taste changes on customer loyalty. These findings suggest that customer loyalty in e-commerce is not solely determined by technological quality or social dynamics, but also by consumers' evaluative processes in making purchase decisions. This study contributes theoretically by integrating technological, social, and behavioral perspectives into a comprehensive model, and provides practical implications for developing e-commerce strategies focused on user experience and decision-making reinforcement.
THE MEDIATING ROLE OF EMPLOYEE ENGAGEMENT IN THE RELATIONSHIP BETWEEN WORK-LIFE BALANCE, JOB SATISFACTION, AND EMPLOYEE PERFORMANCE: EVIDENCE FROM AMANDA KALIMANTAN BROWNIES Siti Rabiah; Saida Zainurossalamia; Wirasmi Wardhani
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 6 (2026): MAY
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20177642

Abstract

This study examines the effect of work-life balance and job satisfaction on employee performance, with employee engagement acting as a mediating variable. The research was conducted in the context of employees at Amanda Brownies in East Kalimantan, representing the food and beverage industry with operational work characteristics and direct customer interaction. A quantitative approach with an explanatory research design is employed to analyze causal relationships among variables. Data are collected through questionnaires distributed to 138 employees using a saturated sampling technique. The data are analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) to evaluate both direct and indirect effects within the proposed model. The findings reveal that work-life balance and job satisfaction have a positive and significant effect on employee engagement. Furthermore, employee engagement significantly influences employee performance. The results also indicate that employee engagement plays a mediating role in the relationship between work-life balance, job satisfaction, and employee performance. These findings suggest that employee performance is not solely influenced by individual factors but is shaped by an integrated mechanism involving psychological and organizational aspects. The study provides practical implications for management in designing strategies that enhance employee well-being and engagement to improve organizational performance.
FINANCIAL LITERACY AND INVESTMENT DECISIONS: THE DUAL MEDIATION EFFECT OF RISK PERCEPTION AND FINANCIAL TECHNOLOGY ADOPTION AMONG YOUNG PROFESSIONALS IN SAMARINDA CITY Sri Harningsih; F. Defung; Wirasmi Wardhani
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 6 (2026): MAY
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20361459

Abstract

This study aims to analyze the effect of financial literacy on investment decisions among young professionals in Samarinda City, as well as to examine the mediating roles of risk perception and financial technology in that relationship. The research design employs an explanatory research method with a quantitative approach. Data were collected from respondents who are young professionals aged twenty to thirty-four years, have a stable income, and have previously or are currently engaged in active investment activities, using a purposive sampling technique based on strictly established criteria. Hypothesis testing was conducted using Partial Least Squares Structural Equation Modeling through the SmartPLS application. The findings reveal that financial literacy has a positive and significant effect on investment decisions, meaning that the higher the level of financial literacy of a young professional, the better the quality of investment decisions made. Financial literacy also proved to have a positive and significant effect on risk perception, indicating that individuals with adequate financial understanding are able to assess investment risks more accurately and objectively. Furthermore, financial literacy has a positive and significant effect on the adoption and utilization of financial technology. Risk perception and financial technology were each proven to have a positive and significant effect on investment decisions. Moreover, the mediation test results show that risk perception is able to mediate the effect of financial literacy on investment decisions positively and significantly. Likewise, financial technology proved to serve as a significant mediator in the relationship between financial literacy and investment decisions. This research model demonstrates a very strong predictive capability toward variation in investment decisions. These findings imply the importance of improving financial literacy as a foundation for rational investment decision-making, particularly among young professionals in developing regions of Indonesia.
THE INFLUENCE OF SERVICE DIGITALIZATION AND TECHNOLOGY COMPETENCY ON EMPLOYEE PERFORMANCE THROUGH EMPLOYEE ADAPTABILITY AT BANK BRI SAMARINDA GAJAH MADA BRANCH Ariani; Irsan Tricahyadinata; Wirasmi Wardhani
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 7 (2026): JUNE
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Digital transformation in the banking sector requires employees not only to operate technology-based service systems, but also to adjust their work behavior quickly, flexibly, and productively. This study aims to analyze the influence of service digitalization and technology competence on employee performance and to examine the mediating role of employee adaptability at Bank BRI Samarinda Gajah Mada Branch. This research employed a quantitative explanatory design. The research population consisted of all 149 employees at Bank BRI Samarinda Gajah Mada Branch; therefore, a census or saturated sampling technique was applied. Data were collected using a Likert-scale questionnaire and analyzed through Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings indicate that service digitalization has a positive and significant effect on employee adaptability and employee performance. Technology competence also has a positive and significant effect on employee adaptability and employee performance. Furthermore, employee adaptability positively and significantly affects employee performance and partially mediates the effect of service digitalization and technology competence on employee performance. These findings confirm that successful banking digital transformation depends not only on technological infrastructure, but also on employees' readiness to adapt to changing work processes. This study recommends strengthening technology training, change-management support, and an adaptive work culture to ensure that service digitalization translates into sustainable performance improvement.
Co-Authors Ahyani Ridzky Ramadhan Al Hidayah, Rahmawati Anggi Oktawiranti Ariani Bryan Jefry Rumengan Christine Gabriella F. Defung Felisitas Defung Fibriyani Nur Khairin Firdaus Rofiansyah Heni Rahayu Rahmawati Hidayani Ike Purnamasari Irsan Tricahyadinata Iwan Sariono Sukadi Iwan Sujarwo Muhammad Ramadhani Kesuma Musdalifah Azis Nilawati Saida Zainurossalamia Siti Rabiah Sri Harningsih Syarifah Yasmin Teddy Chandra ZA, Saida Zainurossalamia