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All Journal Jurnal Hukum Lex Generalis Golden Ratio of Finance Management
Munna, Navis Nailil
Unknown Affiliation
Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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The Impact of Financial Technology on Employee Well-Being in PDAM Jepara: Mediating Roles of Financial Literacy and Lifestyle Munna, Navis Nailil; Widiastuti, Anna; Riyoko , Sisno
Golden Ratio of Finance Management Vol. 5 No. 1 (2025): October - March
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grfm.v5i1.1099

Abstract

This research aims to analyze the influence of Financial Technology (FinTech) on Employee Well-Being, both directly and through the mediation of Financial Literacy and Lifestyle, within the context of PDAM Jepara, Indonesia. Using a purposive selection approach, 120 respondents were selected from the population of PDAM Jepara workers to participate in this research. The data was analyzed using Structural Equation Modeling (SEM) with the Smart-PLS version 4.0 tool through outer model testing, inner model testing, mediation testing, and hypothesis testing. The validity test results indicate that the instrument is valid, as evidenced by the loading factor and average variance extracted (AVE) values exceeding 0.7. Additionally, the reliability test results confirm the instrument's reliability with composite reliability and Cronbach's alpha values above 0.7. The research findings demonstrate that Financial Technology positively and significantly affects Employee Well-Being. At the same time, Financial Literacy does not directly influence Employee Well-Being in a significant manner. Moreover, Lifestyle is a significant mediating variable in the relationship between Financial Technology and Employee Well-Being, with a significant positive effect. The findings provide actionable insights for PDAM Jepara management to prioritize FinTech adoption and lifestyle education over financial literacy programs to enhance team members' well-being.
Rembuk Blok dan Tepo Seliro: Menegakkan Harmoni Melalui Nilai Hukum Adat di Rutan Jepara Falaq, Firdaus; Munna, Navis Nailil
Jurnal Hukum Lex Generalis Vol 6 No 3 (2025): Tema Hukum Adat dan Kebiasaan
Publisher : CV Rewang Rencang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56370/jhlg.v6i3.831

Abstract

This study examines the integration of Javanese customary values (rembuk blok and tepo seliro) in conflict resolution among inmates at Jepara Detention Center as an alternative to seclusion-based sanctions. Using critical ethnography (2023-2024) with participatory observation, interviews with inmates and prison officer, and analysis of conflict cases, findings reveal: (1) rembuk blok prevents conflict escalation through participatory dialogue; (2) tepo seliro facilitates empathy-based reconciliation; (3) adaptation of customary social sanctions (voluntary exclusion) improves social cohesion. Key barriers include philosophical gaps between state-customary law, staff resistance, and regulatory voids. Recommendations include integrating rembuk blok into conflict mediation SOPs and legal pluralism-based staff training.
Co-Authors Anna Widiastuti Falaq, Firdaus Riyoko , Sisno