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All Journal Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Dinasti International Journal of Management Science Jurnal Locus Penelitian dan Pengabdian
Rendy, Pras
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Aerospace Engineering Automotive Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Electrical & Electronics Engineering Industrial & Manufacturing Engineering Mathematics Social Sciences Other

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The Effect of Financial Technology and Financial Inclusion on UMKM Performance with Financial Literacy as an Intervention Variable (Case Study of MSMEs Using Bank Mandiri's Livin Merchant in Bandung City) Anggraeni, Dwi Retno; Rendy, Pras; Mulyana, Asep; Sutisna, Sutisna
Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Vol. 19, No. 4 : Al Qalam (Juli 2025)
Publisher : Sekolah Tinggi Ilmu Al-Qur'an (STIQ) Amuntai Kalimantan Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35931/aq.v19i4.5288

Abstract

Data from the Ministry of Cooperatives and SMEs, the number of MSMEs in Indonesia reached 64.2 million and contributed 61.07 percent or 8,573.89 trillion rupiah to GDP. The largest MSMEs throughout Indonesia are dominated by Java Island, the first position as the province with the most MSMEs, namely West Java with 1,494,723 units.MSMEs experience delays in their development and find it difficult to move up a class because MSMEs do not have an innovation concept, an unstructured financial management system and a business pattern that follows current developments due to a lack of financial literacy.Bank Mandiri as a State-Owned Enterprise which is a leading Wholesale Bank in financing, including as a Bank that has the best digital banking product innovation that encourages the growth of MSMEs. Bandung City is one of the cities with the most MSMEs and utilizes services from Bank Mandiri in the form of Livin Merchant, which helps in managing MSME finances and facilitates MSME access to obtain capital loans from the Bank. The research conducted used the Balanced Scorecard as a measure of business performance. Based on the results of a Pre-survey of 30 MSME actors registered as Livin Merchant users in Bandung City randomly, it was obtained that MSME actors had a lack of knowledge in the financial perspective. The variables measured in the study used Financial Technology, financial inclusion and financial literacy as intervening variables on MSME performance.
The Influence of Job Training and Organizational Culture on Employee Job Satisfaction and Its Impact on Turnover at PT Len Industri (Persero) Gustiawan, Devryansyah; Chandra, Rama; Rendy, Pras
Dinasti International Journal of Management Science Vol. 7 No. 3 (2026): Dinasti International Journal of Management Science (January - February 2026)
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijms.v7i3.6171

Abstract

This paper seeks to evaluate the effect of job training and organizational culture on job satisfaction and its effect on turnover intentions at PT Len Industri (Persero) after it changed its status to the Defense Industry Holding, Defend ID. This is due to the organizational restructuring and changes in human resources management that have resulted in changes in the organizational system, as evidenced by low scores in the Career and Development and Growth and Development factors, among others. This proposed study involves an associative quantitative approach with an explanatory design, where 162 valid questionnaires were collected through purposive sampling of employees in the directorate with the lowest performance score. The data were collected by a five-point Likert-scale questionnaire and analyzed by means of PLS-SEM using SmartPLS 4.0. Results indicate that both job training and organizational culture have positive and significant effects on job satisfaction, while the latter was the strongest predictor. Further, it is found that job satisfaction has a negative and significant effect on turnover intention and significantly mediates the relationships between job training and turnover intention as well as between organizational culture and turnover intention. These findings underlined the central role of job satisfaction as a psychological mechanism linking human capital development and organizational environment to employee retention and provided practical insights for strengthening training effectiveness and organizational culture in support of workforce stability in view of the Defend ID transformation.
Pengaruh Teknologi Informasi dan Pelatihan Terhadap Efektivitas Kinerja Aparatur Pemerintahan Desa Sungai Payang: Peran Adopsi Inovasi Sebagai Variabel Moderasi Tedy, Hilmanius; Rendy, Pras; Dayona Ismail, Gurawan; Ayu Sofiati, Nunung; Raras Tirto Sakti, Anggono
Jurnal Locus Penelitian dan Pengabdian Vol. 5 No. 2 (2026): JURNAL LOCUS: Penelitian dan Pengabdian
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/locus.v5i2.5473

Abstract

Pelatihan ini bertujuan untuk menganalisis pengaruh pemanfaatan teknologi digitak dan pelatihan terhadap efektivitas kinerja aparatur desa dengan adopsi inovasi sebagai variabel moderasi pada pemerintahan desa sungai payang. Metode yang digunakan adalah Partial Least Square-Structural (PLS-SEM) dengan bantuan software SmartPLS versi 4. Data di kumpulkan melalui kuesioner terhadap aparatur desa yang berjumlah 33 responden. Hasil penelitian menunjukkan bahwa pemanfaatan teknologi digital berpengaruh positif dan signifikan terhadap efektivitas kinerja aparatur desa. Sebaliknya, variabel pelatihan tidak berpengaruh signifikan terhadap efektivitas kinerja aparatur. Selain itu, adopsi inovasi juga tidak mampu memoderasi pengaruh pemanfaatan teknologi digital dan pelatihan terhadap efektivitas kinerja aparatur desa. Ketidaksignifiakn pada variabel pelatihan dan moderasi disebabkan oleh keterbatasan implementasi materi pelatihan, rendahnya budaya inovasi serta belum optimalnya dukungan dan fasilitas teknologi. Penelitian ini memberikan implikasi penting bagi pemerintah desa dan daerah bahwa transformasi digital perlu diiringi peningkatan kemampuan sumber daya manusia, monitoring pasca pelatihan, serta penguatan infrastruktur digital agar efektivitas kinerja aparatur dapat meningkat secara optimal.
Co-Authors Anggraeni, Dwi Retno Asep Mulyana Chandra, Rama Dayona Ismail, Gurawan Gustiawan, Devryansyah Nunung Ayu Sofiati (Efi) Raras Tirto Sakti, Anggono Sutisna Sutisna Tedy, Hilmanius