Tujuan dari penelitian ini adalah untuk mengetahui bagaimana literasi keuangan dan financial technology berdampak meningkatkan kinerja UMKM melalui inklusi keuangan di kota Palembang. Jenis yang digunakan adalah penelitian kuantitatif yang bersifat explanatory research dengan menggunakan data primer yang dikumpulkan melalui kuesioner. Subjeknya merupakan pelaku UMKM pada bidang sektor kuliner sebanyak 32.728 yang ada di kota Palembang, sampel dalam penelitian ini adalah 100 responden dengan teknik simple random sampling. Adapun teknik analisis data dalam penelitian ini menggunakan SEM-PLS 4.0 (Partical Least Square) dengan bantuan tool SmartPLS. Analisis data yang pertama digunakan dalam SEM-PLS yakni pengukuran outer model, dengan melakukan uji reliabilitas dan uji validitas. Kedua, pengukuran inner model dengan melakukan uji T, serta melihat R-Square untuk melakukan uji hipotesis yang terbagi menjadi dua yakni uji direct effect dan indrect effect. Hasil menunjukan bahwa literasi keuangan memiliki pengaruh positif signifikan terhadap kinerja UMKM, financial technology memiliki pengaruh positif signifikan terhadap kinerja pelaku UMKM, literasi keuangan tidak berpengaruh signifikan terhadap inklusi keuangan, financial technology memiliki pengaruh positif signifikan terhadap inklusi keuangan, inklusi keuangan memiliki pengaruh positif signifikan tehadap kinerja pelaku UMKM, inklusi keuangan tidak memediasi antara literasi keuangan dan kinerja pelaku UMKM dan Inklusi keuangan memediasi antara financial technology dan kinerja pelaku UMKM.

This study aims to analyze the impact of organizational culture and work environment on employee performance, with job satisfaction as a mediating variable, at Information and Communication Technology Company. The background of the study stems from observed issues such as declining employee performance, high absenteeism, and inequality in facilities and organizational policies. Using a quantitative method with a causal-explanatory design, data were collected from 94 randomly selected employees through a structured questionnaire and analyzed using the Partial Least Squares Structural Equation Modeling (SEM-PLS) approach. The results show that both organizational culture and work environment significantly influence job satisfaction, which in turn mediates their effect on employee performance. Additionally, organizational culture and work environment each have a direct positive impact on performance. These findings emphasize the critical psychological role of job satisfaction in linking organizational conditions with productivity outcomes. The implication of this study is that companies, particularly in the ICT sector, can enhance employee performance by developing a strong organizational culture and improving both physical and social aspects of the work environment in a strategic and sustainable manner.

Permasalahan terkait dengan permodalan yang dialami oleh UMKM yang ada di Kota Palembang membuat para pelaku UMKM sulit untuk menambah biaya-biaya yang diperlukan untuk meningkatkan usahanya terutama dalam meningkatkan Profitabilitas mereka. Sehingga dalam hal ini menunjukkan bahwa perbedaan biaya yang signifikan pada pelaku UMKM di Kota Palembang sebelum dan sesudah menggunakan program yang diberikan oleh pemerintah yaitu Kredit Usaha Rakyat (KUR). Tujuan dilakukan penelitian ini yaitu untuk mengetahui ketepatan penyaluran dana KUR yang diterima oleh pelaku UMKM dan pengaruhnya terhadap kenaikan Profitabilitas usaha bagi masyarakat Kota Palembang. Jenis dan sumber data pada penelitian ini yaitu data kuantitatif. Metode pengumpulan data dengan mengumpulkan data berupa angka-angka, dalam penelitian ini menggunakan data primer dan diperkuat dengan kajian teori yang terkait dengan variabel yang digunakan dalam penelitian ini. Populasi dan sampel yang digunakan yaitu pelaku UMKM yang menerima Kredit Usaha Rakyat (KUR) yang ada di Kota Palembang. Analisis data penelitian ini adalah regresi linier sederhana. Dimana dari analisis data yang digunakan menghasilkan temuan bahwa KUR berpengaruh positif dan signifikan terhadap Profitabilitas UMKM di Kota Palembang dan menunjukkan bahwa nilai t_hitung sebesar 5,074 > 1,087 dan tingkat signifikanya sebesar 0,00 dapat diartikan bahwa tingkat signifikan tersebut lebih kecil dari taraf signikan α = 0,05. Kata Kunci: Kredit Usaha Rakyat (KUR); Profitabilitas; UMKM

The digital era demands transformation from universities, including private ones. However, the effectiveness of digital transformation on university brand image can be strengthened by ownership. This research investigates the impact of digital transformation on the university's brand image, with ownership as a moderating variable. Using random sampling, we analyzed 45 private universities affiliated with Private Universities in Indonesia Region 2A. This exploratory study employed a quantitative method. The results indicate a significant positive relationship between digital transformation and university brand image, suggesting an enhancement of the university's reputation in the eyes of the public. However, the study also reveals that ownership does not mediate the relationship between digital transformation and university brand image. This suggests that each university may have different Ownership Competencies, especially in decision-making regarding digital transformation. The conclusion of this research indicates that digital transformation affects university brand image. However, specifically in the case of universities in LLDIKTI Region 2, ownership does not moderate the effects of digital transformation on university brand image. It is recommended that this research be continued using mixed methods to explore ownership moderation or test it in other regions' universities.

FinTech-based lending has rapidly expanded in emerging economies, offering convenience and inclusion but also raising concerns about over-indebtedness. In Indonesia, the surge of digital loans has been accompanied by growing signs of risky borrowing behavior, including late payments, high debt-to-income ratios, and poor credit discipline. This study investigates the determinants of individuals’ propensity to indebtedness in FinTech-based loans, focusing on the influence of financial behavior biases, emotions, culture, and materialism, as well as the moderating effects of financial literacy, job security, and religiosity. Data were collected from 400 Indonesian civil servants and private/self-employed workers through an online questionnaire and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). Results show that all proposed determinants significantly increase indebtedness, with financial behavior biases having the strongest impact. Financial literacy and job security amplify these effects, while religiosity weakens the influence of emotions and materialism. These findings contribute to behavioral finance theory and underscore the importance of promoting financial literacy, strengthening job stability, and integrating responsible lending policies to mitigate debt risks in emerging economies.

This study examines the impact of financial technology on the financial performance of micro, small, and medium enterprises (MSMEs), with payment transaction convenience as a mediating variable. Data were collected from 100 MSME participants in the Seberang Ulu region who actively use financial technology services. A quantitative approach with non-probability sampling was applied, and the data were analyzed using structural equation modeling–partial least squares (SEM-PLS) with SmartPLS 4. The findings show that financial technology positively and significantly influences both MSME financial performance and payment transaction convenience. Moreover, payment transaction convenience partially mediates the relationship between financial technology and financial performance. These results suggest that fintech adoption improves MSME productivity, streamlines transactions, and enhances financial management. The study recommends that MSME operators strengthen fintech adoption to optimize operations, while policymakers and institutions support this process through training and literacy programs that foster sustainable competitiveness.