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p-Index From 2021 - 2026
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All Journal Airlangga Journal of Innovation Management
Naelati Tubastuvi
Department of Management, Faculty of Economics and Business, Universitas Muhammadiyah Purwokerto
Economics, Econometrics & Finance Social Sciences

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Financial Inclusion as a Mediator of Financial Literacy, Technology Adoption, and Government Policy on MSME Performance Zaki Nur Hamam; Wida Purwidianti; Naelati Tubastuvi; Ika Yustina Rahmawati
Airlangga Journal of Innovation Management Vol. 7 No. 1 (2026): Airlangga Journal of Innovation Management
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ajim.v7i1.82959

Abstract

This study focuses on analyzing the effects of financial literacy, technology adoption, and government policies in influencing Micro, Small, and Medium Enterprises (MSMEs) in Banyumas, with financial inclusion acting as a mediator. This study utilizes a quantitative method through a convenience sampling approach, gathering data from a sample of 200 MSME stakeholders. Data has been processed using Structural Equation Modelling-Pooled Least Squares (SEM-PLS) via SmartPLS Software Version 3.0. The results show a significant positive effect of financial literacy, technology adoption, and government policies on financial inclusion. Financial literacy and technology adoption have a direct positive effect; in contrast, government policies have an insignificant direct effect, although a positive influence, on MSME performance. Financial inclusion has a surprisingly negative effect on MSME performance. However, financial inclusion still has a role as a mediator in MSMEs relating to performance among all financial literacy, technology adoption, and government policies. The observations from this paper provide an implication that financial inclusion plays a crucial role in determining business performance results. In practice, this paper supports promoting adaptive financial literacy, growth in technology adoption in financial services, and the development of policies tailored in accordance with local MSMEs. This study also enriches the literature by confirming the variation in the direction and strength of the relationship between variables in the context of developing countries, especially in non-metropolitan areas.
Dynamics of Ambidextrous Leadership in Fostering Innovative Work Behaviour and Employee Performance Divasa Fatikhatul Laeli; Fatmah Bagis; Naelati Tubastuvi; Meydy Fauziridwan
Airlangga Journal of Innovation Management Vol. 7 No. 1 (2026): Airlangga Journal of Innovation Management
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ajim.v7i1.84503

Abstract

Dynamic changes in the healthcare sector require organizations to adopt a leadership style that is capable of encouraging innovation while maintaining work stability. This study aims to examine the effect of ambidextrous leadership, consisting of opening leadership behavior and closing leadership behavior, on innovative work behavior and employee performance, and to analyze the mediating role of innovative work behavior. The study used a quantitative approach with a population of 524 employees with a final sample of 235 respondents from three health institutions in Pemalang Regency. Data were collected through an online questionnaire and analyzed using SEM-PLS. The results of the study show that opening leadership behavior and closing leadership behavior do not have a direct effect on employee performance. However, both leadership behaviors had a positive and significant effect on innovative work behavior. In addition, innovative work behavior was proven to significantly influence employee performance and mediate the relationship between opening leadership behavior and closing leadership behavior with employee performance. These findings confirm that innovation is a key mechanism in converting the influence of ambidextrous leadership into improved employee performance. The practical implications of this study emphasize the importance of cultivating an innovative work culture and the role of leaders in balancing freedom to explore with procedural control to improve work effectiveness in healthcare institutions. procedural control to improve work effectiveness in healthcare institutions.
Co-Authors Divasa Fatikhatul Laeli Fatmah Bagis Ika Yustina Rahmawati Meydy Fauziridwan Wida Purwidianti Zaki Nur Hamam