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RR. Andriani Sariwardani
Universitas Bina Bangsa
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Analysis of Public Understanding of Online Loans in Banten Viewed from Financial Literacy and Consumptive Behavior with Financial Inclusion as an Intervening Variable Adysta Carina Tawakal; Basrowi Basrowi; RR. Andriani Sariwardani
Jurnal Economic Resource Vol. 9 No. 1 (2026): October - March
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v9i1.2262

Abstract

This study analyzes the influence of financial literacy and consumptive behavior on understanding of online loans in Banten, with financial inclusion as an intervening variable. The rapid growth of fintech lending in Indonesia has facilitated access to financing but has also raised risks such as loan defaults, misuse of personal data, and the proliferation of illegal lending. A quantitative approach was employed using primary data collected through questionnaires. Data were analyzed using Structural Equation Modeling based on Partial Least Squares (SEM-PLS) with path analysis. Sampling using purposive sampling method and obtained samples of 398 respondents. The results indicate that financial literacy has a significant positive effect on understanding online loans and on financial inclusion. Consumptive behavior has a significant negative effect on understanding online loans but no significant effect on financial inclusion. Financial inclusion has a significant positive effect on understanding online loans and mediates the effect of financial literacy on understanding online loans. Conversely, consumptive behavior has no significant indirect effect through financial inclusion. These findings highlight the importance of improving financial literacy to enhance financial inclusion and strengthen public understanding of online lending services.
The Influence Of Organizational Culture And Work Environment On Employee Loyalty Through Job Satisfaction As A Mediating Variable In The Government Environment City Of Cilegon Dessy Hertantia; Basrowi Basrowi; RR. Andriani Sariwardani
Jurnal Economic Resource Vol. 9 No. 1 (2026): October - March
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v9i1.2299

Abstract

In the era of bureaucratic digitalization and public service transformation, the government is required to provide excellent and responsive services to meet public needs, particularly in the City Government of Cilegon. Issues related to organizational culture, work environment, and job satisfaction pose significant challenges that can influence employee loyalty. This study aims to empirically analyze the influence of organizational culture and work environment on employee loyalty through job satisfaction. This study is expected to provide theoretical and practical contributions to the development of human resource management policies in the public sector. The research method uses an explanatory quantitative approach, with a sample of 177 respondents from the City Secretariat and the Human Resources and Development Agency of Cilegon City. Data were collected through a closed-ended questionnaire and analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS) with the assistance of SmartPLS. The results of the study indicate that organizational culture and work environment significantly influence job satisfaction and employee loyalty, both directly and indirectly through job satisfaction in the Cilegon City Government environment. In conclusion, organizational culture and work environment play a strategic role in enhancing employee loyalty within the Cilegon City Government. Enhancing loyalty cannot be achieved through partial measures but requires a holistic approach through strengthening organizational culture, creating a conducive work environment, and improving job satisfaction as a bridge to support the performance of local government organizations.
Co-Authors Adysta Carina Tawakal Basrowi Basrowi Dessy Hertantia