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All Journal Jurnal Ilmiah Ilmu Terapan Universitas Jambi
Abdrazakova, Ainur
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Education Engineering Industrial & Manufacturing Engineering

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DIGITAL AND FINANCIAL LITERACY DRIVING MICRO FINANCE ACCESS: RELIGIOSITY AS CATALYST FOR SME DEVELOPMENT Darda, Ahmad; Yuli, Rama; Wati, Lela Nurlaela; Abdrazakova, Ainur
Jurnal Ilmiah Ilmu Terapan Universitas Jambi Vol. 9 No. 4 (2025): Volume 9, Nomor 4, December 2025
Publisher : LPPM Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jiituj.v9i4.47587

Abstract

Microfinancing has contributed to the development of micro, small, and medium enterprises (MSMEs), market expansion, and reduced economic inequality in developing countries. Microfinancing enhances MSMEs' resilience to economic and environmental changes by facilitating the adoption of sustainable technology. Gaps in financial literacy, particularly in financial management, impede MSMEs access to credit. Limited digital literacy and poor Internet access hinder MSMEs engagement in the digital economy. This study analyzes how financial literacy and digital platform usage influence microfinancing and MSMEs development, with religiosity as a moderating factor. Using a quantitative methodology with structural equation modeling and moderating regression analysis, the research sampled 200 MSMEs that obtained loans from formal microfinance institutions, specifically conventional People's Economic Banks (BPR) and Sharia People's Economic Banks (BPRS) in Western Indonesia. The results demonstrate that financial literacy and digital platforms facilitate access to microfinance and MSMEs growth, aligning with the theories of Diffusion of Innovation, Technology Acceptance Model, and Resource-Based View. The ineffectiveness of microfinance as a mediating variable reveals a disparity between financing access and productive fund utilization. The negative moderation of religiosity on the effect of financial literacy on microfinancing shows the influence of religious values on MSMEs' financial perceptions. These results indicate the need to integrate financial literacy, digital mentoring, and religious-value-based strategies into MSME empowerment programs. Financing institutions must modify their interventions to ensure that financing promotes inclusive MSME growth. This study uniquely examines religiosity moderation and microfinancing's ineffectiveness as mediating factors in MSME digitalization in developing countries.
SUPERIOR AGRO INDUSTRY BASED ON THE PEOPLE’S ECONOMY AND ITS DEVELOPMENT STRATEGY FOR SUSTAINABILITY Yuvanda, Sesraria; Rachmad R, Muhammad; Achmad, Erni; Zamzami, Zamzami; Abdrazakova, Ainur; Listyaningsih, Erna
Jurnal Ilmiah Ilmu Terapan Universitas Jambi Vol. 9 No. 4 (2025): Volume 9, Nomor 4, December 2025
Publisher : LPPM Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jiituj.v9i4.47669

Abstract

Agroindustry is a processing industry that contributes significantly to the economy of Jambi Province. Agroindustry in Jambi Province is dominated by the plantation sector. Plantations in Jambi Province produce agricultural commodities that are used as raw materials for agroindustry. The purpose of this study is to determine superior agroindustries based on community economics and then formulate appropriate strategies for the sustainable economic development of Jambi Province. The research method applied is secondary data analysis and observational analysis. Meanwhile, the analysis models used are the TOPSIS analysis model to determine leading agro-industries and the TOPSIS-SWOT analysis model to formulate development strategies. The results of the study show that the cooking oil industry was selected as the superior agro-industry. The development strategy for the selected cooking oil industry includes increasing the production capacity of palm oil plantations and CPO factories, establishing a CPO processing industry polytechnic, applying low-cholesterol technology to processed products from CPO, facilitating investment in environmentally friendly CPO factories, and increasing export quotas and controlling domestic consumption. The uniqueness of this research focuses on agro-industry development based on the criteria used in determining leading agro-industries, including business units, labour, production value, investment value, and capital turnover.
CONNECTING CONTEXTUAL PERFORMANCE TO CULTURAL OPENNESS, STRATEGIC MANAGEMENT, AND ORGANIZATIONAL CLIMATE THROUGH INNOVATIVE WORK BEHAVIOR: EVIDENCE FROM PRIVATE UNIVERSITIES Supriadi, Supriadi; Abdrazakova, Ainur; Listyaningsih, Erna
Jurnal Ilmiah Ilmu Terapan Universitas Jambi Vol. 9 No. 4 (2025): Volume 9, Nomor 4, December 2025
Publisher : LPPM Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jiituj.v9i4.49719

Abstract

Supportive organizational climates and strategic management that prioritizes innovation are critical variables that affect contextual performance. Nevertheless, this influence is not directly felt; rather, it is facilitated by innovative work practices. People who are motivated by the company's strategy and supported by a positive organizational climate are more likely to demonstrate innovative work behavior, which in turn enhances their contextual performance and makes a positive contribution to the organization as a whole.  The sample for this study was composed of 280 educational staff members from nine private universities in Medan City, each of which had a minimum accreditation rating of B. Descriptive and structural equation modeling (SEM) analyses were implemented. It is evident from the findings that innovative work behavior is significantly influenced by cultural openness. Work behavior that is innovative has a substantial impact on contextual performance. The influence of cultural openness and contextual performance is mediated by innovative work behavior. The behavior of innovative employees is substantially determined by strategic management. Contextual performance is substantially predicted by strategic management. The influence of strategic management and contextual performance is mediated by innovative work behavior. Innovative work behavior is substantially determined by organizational climate. The contextual performance is significantly influenced by the organizational climate. Innovative work behavior serves as a mediator between contextual performance and organizational climate.
Co-Authors Darda, Ahmad Erna Listyaningsih Erni Achmad Rachmad R, Muhammad Supriadi Supriadi Wati, Lela Nurlaela Yuli, Rama Yuvanda, Sesraria Zamzami