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All Journal Applied Business and Administration Journal (ABAJ) Ektasi : Jurnal Ekonomi, Akutansi dan Organisasi
Wijaya, Tria Fenda Afi
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Humanities Economics, Econometrics & Finance Social Sciences

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Artificial Intelligence (AI) Innovation in Driving Global Financial Inclusion: Student Program to Reduce Inequity, Support Sustainable Development Goals(SDG) 8 Through Digital Solutions and Empowering Micro and Small Businesses in the Society 5.0 Era Wijaya, Tria Fenda Afi
Applied Business and Administration Journal Vol. 4 No. 2 (2025): Financial Accountability, Technological Innovation, and Sustainable Development
Publisher : Ebiz Prima Nusa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62201/abaj.v4i02.225

Abstract

Financial inclusion is a critical element in achieving sustainable economic growth and reducing inequality, especially among Micro and Small Enterprises (MSEs). This article examines Artificial Intelligence (AI) innovations that play a role in driving global financial inclusion, and how student programs can support Sustainable Development Goal (SDG) 8. By utilizing digital solutions, students play an active role in designing applications and platforms that improve MSEs’ access to financial services. Through a qualitative approach, this study highlights several student initiatives that have successfully improved financial literacy and credit access for MSEs. It was found that the use of AI in data analysis allows for more accurate risk assessments, reduces costs, and accelerates the financing process. As a result, student involvement in financial technology innovations not only increases inclusion but also empowers MSEs to contribute to the local economy. This article provides recommendations for stakeholders in optimizing the role of students in supporting financial inclusion and achieving SDG 8 in the Society 5.0 Era.
Pengaruh Kompetensi Digital, Agile Leadership dan Organizational Citizenship Behavior (OCB) terhadap Kinerja Pegawai Badan Pusat Statistik Kabupaten Jember Wijaya, Tria Fenda Afi; Setyowati, Trias; Winahyu, Pawestri; Nursaid
Jurnal Ekonomi, Akutansi dan Organisasi Vol. 3 No. 3 (2026): Edisi Bulan April
Publisher : Universitas Muhammadiyah Jember

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Abstract

Transformasi digital menuntut peningkatan kinerja pegawai sektor publik, sementara hasil penelitian sebelumnya mengenai faktor penentu kinerja masih menunjukkan perbedaan. Penelitian ini bertujuan menganalisis pengaruh kompetensi digital, agile leadership dan organizational citizenship behavior (OCB) terhadap kinerja pegawai Badan Pusat Statistik Kabupaten Jember. Seluruh pegawai berjumlah 41 orang dijadikan responden dengan teknik sampling jenuh. Data dianalisis menggunakan regresi linier berganda dan uji statistik pendukung. Hasil penelitian menunjukkan bahwa kompetensi digital, agile leadership, dan OCB berpengaruh positif dan signifikan terhadap kinerja pegawai. OCB merupakan variabel yang paling dominan dalam meningkatkan kinerja. Nilai Adjusted R Square sebesar 0,850 menunjukkan bahwa 85% variasi kinerja pegawai dapat dijelaskan oleh ketiga variabel tersebut, sedangkan 15% sisanya dipengaruhi oleh faktor lain di luar model penelitian. Secara teoretis, penelitian ini memperkuat peran kompetensi digital, kepemimpinan adaptif, dan perilaku ekstra-peran dalam meningkatkan kinerja pegawai sektor publik. Secara praktis, instansi perlu meningkatkan kompetensi digital, menerapkan kepemimpinan yang adaptif, dan membangun budaya kerja yang mendorong OCB guna mengoptimalkan kinerja pegawai.
Co-Authors Nursaid Trias Setyowati, Trias Winahyu, Pawestri