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The Mediating Role of Financial Inclusion in the Relationship between Financial Literacy and MSME Performance Haikal, Fahri; Fitri, Diin; Priyono, Agung; Putri, Narti Eka
Journal of Business and Behavioural Entrepreneurship Vol. 9 No. 2 (2025): Journal of Business and Behavioural Entrepreneurship
Publisher : Fakultas Ekonomi, Universitas Negeri Jakarta, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/JOBBE.009.2.07

Abstract

MSMEs play a strategic role in the Indonesian economy but still face obstacles in the form of low financial literacy and limited access to formal financial services. This study uses a quantitative approach involving 200 MSME actors in Jakarta selected through purposive sampling, where data were collected using questionnaires and analysed using a Partial Least Squares (PLS-SEM) structural equation model. The results show that financial literacy has a positive and significant effect on financial inclusion and SME performance. Financial inclusion also has a positive and significant effect on SME performance and mediates the relationship between financial literacy and SME performance, with a stronger indirect effect than a direct effect. These findings emphasise the importance of improving financial literacy, followed by expanding access to formal financial services so that SMEs can improve their performance and competitiveness.
The Influence of Compensation And Work-Life Balance On Work Productivity Through Employee Resilience Priyono, Agung; Dwi Astuti, Nani; Saryatmo, Agung; Darmawan Putra, Awang; Haikal, Fahri
Jurnal Manajemen dan Inovasi (MANOVA) Vol. 9 No. 1 (2026): January
Publisher : Management Department, Faculty of Islamic Economics and Business, Universitas Islam Negeri Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/manova.v9i1.2355

Abstract

Abstract Objective – This study aims to examine the influence of compensation and work-life balance on employee work productivity among the sandwich generation in South Jakarta, and to analyze the mediating role of employee resilience in these relationships. Design/methodology/approach – A quantitative descriptive approach was employed using a questionnaire distributed to 96 respondents identified as sandwich-generation workers. Data were analyzed using Structural Equation Modelling–Partial Least Squares (SEM-PLS) to evaluate both direct and indirect effects among the variables. Findings – The results reveal that compensation and resilience significantly affect employee productivity. Employee resilience was also found to mediate the relationship between compensation and work-life balance with work productivity. However, work-life balance does not directly influence productivity without the mediating role of resilience. These findings highlight that productivity among sandwich-generation employees is driven not only by financial rewards but also by psychological strength and adaptability. Research limitations/implications – This study is limited to respondents in the South Jakarta area with a relatively small sample size, which may limit generalizability. Future research is encouraged to expand to other sectors and regions, and to explore additional variables such as job stress, psychological well-being, and employee engagement. Practical implications – Organizations are advised to enhance compensation strategies, provide flexible work policies, and implement mental health and resilience development programs in order to support the productivity of sandwich-generation employees who carry dual family responsibilities. Originality/value – This research contributes a novel empirical model by integrating employee resilience as a mediating variable in the relationship between compensation, work-life balance, and productivity—a perspective that remains underexplored, particularly within the Indonesian sandwich-generation workforce context. The findings provide valuable insights to guide more effective and human-centered human resource policies.
Pelatihan Pengajaran Berbasis Digital Bagi Guru SMK Gutama Jakarta Priyono, Agung; Mulya, Muhamad Femy; Umam, Akhmad Hairul; Diandra, Didip; Anwar, Saipul; Haikal, Fahri
Journal of Servite Vol. 6 No. 2 (2024): Journal of SERVITE
Publisher : Institut Komunikasi dan Bisnis LSPR

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37535/

Abstract

Kemajuan teknologi digital telah membawa perubahan besar dalam berbagai aspek kehidupan, termasuk dalam dunia Pendidikan. Saat ini, penerapan teknologi dalam proses pembelajaran menjadi kebutuhan yang mendesak untuk meningkatkan kualitas pendidikan di era digital. Untuk menjawab tantangan tersebut, diperlukan sebuah program pelatihan yang bertujuan meningkatkan kemampuan para guru dalam menggunakan teknologi sebagai bagian dari proses pembelajaran. Melalui kegiatan Pengabdian kepada Masyarakat ini, kami berharap dapat membantu guru-guru SMK Gutama Jakarta dalam mengembangkan keterampilan mereka dalam pengajaran berbasis digital. Dengan begitu, diharapkan para guru mampu menciptakan pengalaman belajar yang lebih menarik, interaktif, dan efektif bagi siswa. Metode ini berfokus pada pengembangan kemampuan berpikir kritis, analitis, dan praktis yang memungkinkan siswa untuk memahami dan menerapkan pengetahuan dalam kehidupan nyata. bahwa peserta merasa sangat puas dengan penyelenggaraan kegiatan berdasarkan waktu pelaksanaan, materi yang disampaikan, cara penyajian materi, aspek kemanfaatan materi. Kegiatan ini juga sejalan dengan upaya pemerintah dalam mempersiapkan sumber daya manusia yang unggul dan adaptif terhadap perkembangan teknologi. Kata kunci: Pengajaran, Digital, Kompetensi, Pelatihan, Teknologi   The advancement of digital technology has brought about major changes in various aspects of life, including in the world of education. Currently, the application of technology in the learning process is an urgent need to improve the quality of education in the digital era. To answer this challenge, a training program is needed that aims to improve the ability of teachers to use technology as part of the learning process. Through this Community Service activity, we hope to be able to help SMK Gutama Jakarta teachers develop their skills in digital-based teaching. That way, it is hoped that teachers will be able to create a more interesting, interactive, and effective learning experience for students. This method focuses on developing critical, analytical, and practical thinking skills that enable students to understand and apply knowledge in real life. that participants were very satisfied with the implementation of the activity based on the time of implementation, the material presented, the method of presenting the material, and the aspect of the usefulness of the material. This activity is also in line with the government's efforts to prepare superior human resources that are adaptive to technological developments. Keywords: Teaching, Digital, Competence, Training, Technology