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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

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

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.

DIGITAL TRANSFORMATION OF INFORMAL EDUCATIONAL INSTITUTIONS IN THE FRAMEWORK OF THE TRIDHARMA OF HIGHER EDUCATION: A META-SYNTHESIS ANALYSIS Apriyudin Apriyudin; Reti Sri Haryati; Nina Nurlina; Siti Salbiah; Muhammad Wachid Suryo Putro; RR. Andriani Sariwardani
International Journal of Economy, Education and Entrepreneurship (IJE3) Vol. 6 No. 1 (2026): International Journal of Economy, Education and Entrepreneurship
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/ije3.v6i1.456

The purpose of this study is to analyse how digital transformation in informal educational institutions is integrated and supported through the three pillars of the Tridharma of Higher Education (Education, Research, and Community Service). This research uses a qualitative meta-synthesis of 10 selected research articles published over the last 10 years (2016–2026). The data selection process is carried out through a systematic review to identify patterns, challenges, and digitalisation strategies. The findings show that digital transformation in informal institutions is evolving from simply using blended learning to adopting intelligent technologies such as AI and the Metaverse. Higher education institutions play a crucial role in closing the digital literacy gap through community service schemes and the development of innovative learning media. However, the main obstacles remain in human resources and digital quality standards. Conclusion: Synergy between higher education institutions and informal institutions within the Tridharma framework is the main key to the sustainability of the non-formal education ecosystem in the digital era.

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

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

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.

Mediation Of Organizational Commitment Between Discipline And Human Resource Development In Improving The Performance Of Local Government Employees In Pandeglang District Dava Febratama; Basrowi; RR. Andriani Sariwardani
Amkop Management Accounting Review Vol. 5 No. 2 (2025): July - December
Publisher : Yayasan Vifada Cendikia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i2.3162

This research is motivated by the importance of improving the performance of civil servants within the Pandeglang Regency Government in facing the increasingly complex dynamics of public service delivery. Discipline and human resource (HR) development are seen as strategic keys to boosting productivity, while organizational commitment is believed to strengthen employee engagement with the organization. The purpose of this study is to analyze the influence of discipline and human resource development on employee performance, and to test the role of organizational commitment as a mediating variable. The methodology used is a quantitative approach with the method Structural Equation Modelling-Partial Least Squares (SEM-PLS). Data was collected through the distribution of questionnaires to 297 civil servants which are selected using techniques proportionate stratified random sampling, so that it can represent conditions proportionally in each work unit. The results of the study indicate that discipline has a positive and significant effect on employee performance, both directly and indirectly through organizational commitment. Human resource development has a positive effect on organizational commitment, but does not have a significant direct effect on employee performance. These findings indicate that organizational commitment acts as an important mediator, strengthening the relationship between discipline and performance, as well as between human resource development and employee performance. The conclusion of this study confirms that improving employee performance in the Pandeglang Regency Regional Government does not only depend on efforts to improve discipline and develop HR capacity, but also requires strengthening organizational commitment as a binding factor that ensures the sustainability of results. Further discussion implied the need for an integrated civil service management strategy, such as implementing a culture of discipline based on exemplary behavior, sustainable competency development programs, and internal policies that strengthen employee loyalty and commitment to the organization. These efforts are expected to improve the quality of public services that are responsive, accountable, and oriented toward public satisfaction.

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