SMART : Management Journal

The Antecedents of MSME Sustainability with Financial Behavior as Intervening Variable

Ridwan Nur Alamsyah — 2025-03-31

MSMEs are an important pillar for a country's economy through their contribution to GDP and job creation. The development of MSMEs in Sleman Regency is accompanied by technological developments considering the high economic potential and growth of MSMEs in the region as previously explained. It is very interesting to study in the context of MSMEs in Sleman Regency which have great potential in regional economic development, but are indicated to face challenges in the sustainability of MSMEs due to various factors of misused financial technology advances such as online loans. MSME actors in Sleman Regency who lack understanding of financial aspects make the MSMEs they run go bankrupt due to high interest from illegal online loans. This study aims to empirically test the effect of financial literacy, financial inclusion, and fintech on the sustainability of MSMEs with financial behavior as an intervening variable. The type of data used in this study is primary data using quantitative methods. This study was conducted on MSME actors in Sleman Regency who use fintech with a total of 233 respondents processed. The sampling method uses a purposive sampling technique and data was taken in October – November 2024. Hypothesis testing in this study uses the SmartPLS4 application as a data processing tool. The results of this study indicate that financial literacy, fintech, and financial behavior have a positive effect on the sustainability of MSMEs, while financial inclusion does not affect the sustainability of MSMEs. Financial literacy and financial inclusion have a positive effect on financial behavior, while fintech does not affect financial behavior. And financial behavior mediates the positive influence of financial literacy, financial inclusion on the sustainability of MSMEs, while financial behavior does not mediate the influence of fintech on the sustainability of MSMEs.

The Impact of Service Quality and Product Quality to the Customer Satisfaction at PT Pos Inddonesia (Persero) Bekasi

Risma Andriyani — 2025-03-31

This study aims to determine how influential service quality and product quality are on customer satisfaction at PT Pos Indonesia (Persero) Bekasi empirically, both partially and simultaneously. This population is PT Pos Indonesia Bekasi consumers. This study used a sample of 90 respondents where the questionnaire was conducted via Google form. Sampling using the Probabillty Sampling method with a simple random sample method (Sample Random Sampling). The data analysis method uses Multiple Linear Regression Tests, with Partial and Simultaneous Hypothesis Tests processed using the SPSS Version 26.0 program. The results of this study indicate that the two independent variables, namely Service Quality and Product Quality, have a positive and significant effect both partially and simultaneously on Customer Satisfaction. In addition, in this study, service quality and product quality explain customer satisfaction by 70.4%, the remaining 29.6% is influenced by other factors.

The Impact of Leadership to Employee Performance at Kantor Camat Rawalumbu Kota Bekasi

Putri Lestari — 2025-03-31

Leadership is important in an organization or company, with effective leadership it can certainly improve employee performance. The relationship between leaders and subordinates is also a determining factor for employee success, because employee comfort is often determined by the leadership patterns applied in the organization. This study aims to determine the effect of leadership on employee performance at the Rawalumbu Sub-District Office, Bekasi City. This research uses quantitative method by applying simple linear regression analysis and correlation test to connect leadership variable (X) with employee performance (Y). The analysis results show that there is a positive relationship between leadership variables and employee performance, where the regression equation obtained is Y = 5.231 + 0.898X. The coefficient of determination (R2) of 65.8% indicates that the leadership variable significantly affects the employee performance variable, while the remaining 34.2% is influenced by other factors not examined in this study. By implementing effective leadership, it will improve employee performance, achieve organizational goals, and improve employee performance.