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All Journal eCo-Fin Jurnal Manajemen Jurnal Ekonomi dan Kewirausahaan West Science Jurnal Ekonomi, Manajemen, Akuntansi
Hansen Hein Rumtutuly
universitas pattimura
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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The Role of Pela Gandong Local Wisdom in Strengthening Human Capital and the Financial Performance of MSMEs in Maluku Pieter Novry Ruddy Rehatta; Hansen Hein Rumtutuly
MAMEN: Jurnal Manajemen Vol. 5 No. 2 (2026): April 2026
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/mamen.v5i2.7813

Abstract

The financial performance of SMEs in Maluku is influenced not only by financial and technical factors but also by social capital embedded in local wisdom, such as Pela Gandong, which emphasizes solidarity, trust, and mutual cooperation. This study aims to analyze the role of Pela Gandong in strengthening human capital and enhancing the financial performance of SMEs in Maluku. This research employs a quantitative explanatory approach with a population of all SMEs in Maluku, and a sample of 234 respondents selected through purposive sampling based on the criteria of operating for at least two years and understanding the values of Pela Gandong. Data were collected using structured questionnaires and analyzed using Partial Least Squares Structural Equation Modeling (SEM-PLS). The results indicate that Pela Gandong has a significant positive effect on human capital (β = 0.645; p < 0.001) and SME financial performance (β = 0.389; p < 0.001), and human capital mediates the effect of Pela Gandong on financial performance (β = 0.542; p < 0.001). The novelty of this study lies in integrating local wisdom as strategic social capital within the Social Capital Theory framework to measure its tangible economic impact on SMEs, which has been rarely examined empirically. The findings highlight the importance of leveraging local culture-based empowerment as a strategy to improve human capital, strengthen business networks, and enhance financial performance, offering new insights for local economic policies in Maluku.
Peran Risiko Geopolitik dalam Memoderasi Pengaruh Nilai Tukar Rupiah terhadap Kinerja Pasar Saham di Indonesia Martha Racwel Patty; Hansen Hein Rumtutuly; Sabda Aji Kurniawan
eCo-Fin Vol. 8 No. 2 (2026): eCo-Fin
Publisher : Komunitas Dosen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32877/ef.v8i2.3758

Abstract

Ketidakpastian global yang meningkat akibat dinamika geopolitik dan fluktuasi makroekonomi telah memengaruhi stabilitas pasar modal, namun hasil penelitian sebelumnya menunjukkan temuan yang belum konsisten terkait peran nilai tukar dan risiko geopolitik terhadap kinerja pasar saham, khususnya di negara berkembang. Tujuan dari penelitian ini adalah untuk menganalisis dampak nilai tukar terhadap Indeks Harga Saham Gabungan (IHSG) serta untuk mengkaji peran risiko geopolitik sebagai variabel moderasi dalam konteks pasar modal Indonesia. Penelitian ini menggunakan pendekatan kuantitatif dengan desain eksplanatori, memanfaatkan data sekunder bulanan selama periode Januari 2020 hingga Desember 2025, yang dianalisis menggunakan teknik Moderated Regression Analysis (MRA) melalui IBM SPSS setelah memenuhi uji asumsi klasik. Hasil penelitian menunjukkan bahwa nilai tukar dan risiko geopolitik memiliki pengaruh positif terhadap IHSG, serta risiko geopolitik memperkuat hubungan antara nilai tukar dan kinerja pasar saham. Temuan ini mengindikasikan bahwa dalam kondisi ketidakpastian yang tinggi, investor cenderung lebih responsif terhadap indikator makroekonomi sebagai dasar pengambilan keputusan investasi. Penelitian ini memberikan implikasi bahwa interaksi antara faktor domestik dan global menjadi determinan penting dalam pembentukan harga aset, sehingga stabilitas nilai tukar dan pemantauan risiko geopolitik perlu menjadi perhatian utama bagi investor dan pembuat kebijakan.
Layanan Dompet Digital dan Literasi Keuangan Terhadap Perilaku Konsumtif: Dimoderasi oleh Mental Akuntansi Hansen Hein Rumtutuly; Simon Hendrik Leasa; Nur Azda
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 1: November 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i1.11719

Abstract

Kemajuan teknologi yang semakin berkembang membuat mahasiswa semakin mudah untuk melakukan transaksi, tapi juga mendorong peningkatan consumptive behavior karena promo dan kemudahan akses. Mahasiswa rentan terhadap consumptive behavior disebabkan oleh mudahnya akses transaksi digital, promosi dan promo yang ditawarkan. Tujuan penelitian ini adalah untuk melakukan analisis pengaruh E-Wallet dan financial literacy terhadap consumptive behavior mahasiswa dengan mental accounting sebagai variabel moderasi. Adapun metode penelitian dilakukan dengan pendekatan kuantitatif dengan menyebarkan kuesioner pada mahasiswa pengguna E-Wallet, dan analisis data dilakukan dengan PLS-SEM. Hasil dari penelitian yang dilakukan membuktikan bahwa E-Wallet memiliki pengaruh positif signifikan terhadap consumptive behavior, sementara financial literacy memberikan pengaruh negatif signifikan. Sedangkan mental accounting ternyata mampu memperkuat pengaruh E-Wallet terhadap consumptive behavior dan memperlemah pengaruh financial literacy. Hasil penelitian ini mempertegas akan perlunya faktor psikologis untuk dapat memahami consumptive behavior mahasiswa pada era yang serba digital.
Teknologi Keuangan dan Inklusi Keuangan UMKM: Peran Moderasi Infrastruktur Digital di Wilayah Kepulauan Hansen Hein Rumtutuly
Jurnal Ekonomi dan Kewirausahaan West Science Vol 4 No 01 (2026): Jurnal Ekonomi dan Kewirausahaan West Science
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/jekws.v4i01.3113

Abstract

Financial inclusion remains a major challenge for MSMEs, particularly in island regions facing limited access to formal financial institutions, disparities in digital infrastructure, and high transaction costs. This study aims to analyze the effect of financial technology (fintech) on MSMEs’ financial inclusion while also examining the moderating role of digital infrastructure in the context of the Maluku island economy. The study population comprised MSMEs operating in the Maluku islands with access to digital devices, with a total sample of 250 MSMEs selected using purposive sampling based on the criteria of being active for at least one year and having experience with fintech services. Data were collected through structured questionnaires and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to simultaneously test direct causal relationships and moderation effects. The results indicate that fintech has a positive and significant effect on MSMEs’ financial inclusion, and digital infrastructure strengthens this effect by enhancing access, usage, and quality of financial services. The novelty of this study lies in integrating the Technology Acceptance Model (TAM) with digital infrastructure as a moderating variable to explain fintech adoption in island regions, thus addressing the research gap related to challenging geographical contexts. Practically, these findings provide important implications for policymakers and fintech developers, highlighting that strengthening digital infrastructure should be a strategic priority to maximize fintech benefits and expand MSMEs’ financial inclusion in remote areas.
Co-Authors Martha Racwel Patty Nur Azda Pieter Novry Ruddy Rehatta Sabda A. Kurniawan Simon Hendrik Leasa