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"ABSTRAKUsaha Mikro dan Kecil UMK memiliki peran penting dalam perekonomian Indonesia. Pertumbuhan dan perkembangan UMK menjadi perhatian banyak institusi, termasuk instansi pemerintah. Pemerintah menyediakan berbagai dukungan, termasuk bantuan keuangan, untuk mendukung pengembangan UMK. Studi ini menyelidiki peran dukungan pembiayaan pemerintah sebagai moderator kendala keuangan dan efek self-efficacy kewirausahaan terhadap inovasi UMK. Penelitian ini menggunakan teknik Structural Equation Model untuk menguji sampel yang terdiri dari 750 UMK. Hasilnya menemukan bahwa kendala finansial UMK dapat membatasi inovasi UMK, dan self-efficacy mereka meningkatkan inovasi. Lebih penting lagi, penelitian ini menegaskan bahwa dukungan pembiayaan pemerintah merupakan strategi efektif untuk memfasilitasi inovasi UMK. Makalah ini memberikan kontribusi dalam mengklarifikasi peran penting bantuan keuangan pemerintah sebagai moderator terhadap inovasi UMK.

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ABSTRACTMicro and Small Enterprises MSEs have important roles in Indonesian economy. The growth and development of MSEs is a concern of many institutions, including government agencies. Government provides various supports, including financial aids, to sustain the development of MSEs. This study investigates the role of government financing support as a moderator of financial constraint and entrepreneurial self efficacy effect toward MSEs innovation. This research applies Structural Equation Model technique to examine a sample consists of 750 MSEs. The results find that MSEs rsquo financial constraint might limit the MSEs rsquo innovation, and their self efficacy improve the innovation. More importantly, the research confirms that the government financing support is an effective strategy to facilitate MSEs rsquo innovation. This paper contributes in clarifying the importance roles of government financial aid as moderator to MSEs rsquo innovation. "

"Penelitian ini didasari oleh fenomena meningkatnya pendapatan masyarakat Indonesia pada beberapa tahun terkakhir, namun intensi menabung masyarakat justru cenderung menurun. Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan dan financial self-efficacy terhadap intensi menabung pada karyawan dewasa muda. Pengukuran literasi keuangan dilakukan dengan menggunakan alat ukur Tes Pengetahuan Keuangan (Sjabadhyni dkk, 2016), pengukuran financial self-efficacy dilakukan menggunakan Financial Self-Efficacy Scale (Lown, 2011), dan pengukuran intensi menabung dikembangkan dari Ladhari dan Michaud (2015). Partisipan berjumlah 434 karyawan dewasa muda yang diperoleh melalui teknik accidental sampling. Hasil penelitian menujukkan bahwa terdapat pengaruh signifikan dari literasi keuangan dan financial self-efficacy secara bersama-sama terhadap intensi menabung (F=8.964, p < 0.01). Berdasarkan hasil penelitian, peneliti menyarankan karyawan dewasa muda untuk mampu meningkatkan literasi keuangan dan financial self-efficacy agar dapat membuat keputusan keuangan dengan lebih baik, misalnya keputusan untuk menabung di bank.

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This study was based on the phenomenon towards the rising income that Indonesian citizens have recieved in recent years, but the intention of saving is likely to decline. This study was conducted to find out the influence of financial literacy and financial self-efficacy on saving intention among young adult employees. Financial literacy was measured using Tes Pengetahuan Keuangan (Sjabadhyni dkk, 2016), financial self-efficacy was measured using Financial Self-Efficacy Scale (Lown, 2011), and saving intention scale was developed from Ladhari and Michaud (2015). The participants of this study were 434 young adult employees, which were obtained through accidental sampling technique.

The main result shows that there are significant influence of financial literacy and financial self-efficacy on saving intention (F=8.964, p < 0.01). Based on this result, it is suggested for young adult employees to improve their financial literacy and financial self-efficacy in order to make financial decision better, like the decision to saving in the bank."

"Tujuan utama inovasi di sektor swasta adalah mendapatkan keunggulan kompetitif dan kinerja organisasi, demikian juga di sektor publik untuk mencapai kinerja yang berdampak pada kepuasan pemangku kepentingan. Sudah banyak penelitian yang membuktikan peran perilaku inovatif dalam membentuk iklim inovasi dalam organisasi. Untuk itu penelitian ini mencoba memberikan kontribusi tentang bagaimana meningkatkan kinerja sektor publik secara komprehensif melalui perilaku inovatif yang dibentuk oleh keyakinan individual dan dukungan lingkungan internal organisasi, serta peran kepemimpinan kewirausahaan. Tujuan dari penelitian ini adalah menganalisis apakah perilaku inovatif dipengaruhi oleh efikasi diri kreatif dan iklim inovasi, serta peran moderasi kepemimpinan kewirausahaan, yang pada gilirannya akan mempengaruhi kinerja organisasi sektor publik. Penelitian dilakukan di salah satu organisasi publik di Indonesia. Responden penelitian ini adalah 162 manajer tingkat menengah dan dianalisis menggunakan Structural Equation Model (SEM) dengan pendekatan Partial Least Square (PLS). Hasil penelitian menunjukkan bahwa perilaku inovatif mempengaruhi kinerja organisasi, dan perilaku inovatif dipengaruhi oleh efikasi diri kreatif dan iklim inovasi. Namun, penelitian ini tidak menemukan efek moderasi kepemimpinan kewirausahaan dalam hubungan antara efikasi diri kreatif dan perilaku inovatif.

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The main purpose of innovation in the private sector is to gain competitive advantage and organization’s performance, likewise in public sector to achieve performance that impact stakeholder’s satisfaction. There have been many studies that prove the role of innovative behavior in shaping the innovation climate in organizations. This study tries to contribute to how to improve the performance of the public sector comprehensively through innovative behavior shaped by individual beliefs and support from the internal environment of the organization, as well as the role of entrepreneurial leadership. The purpose of this study was to analyze whether innovative behavior is influenced by creative self-efficacy and innovation climate, as well as the moderating role of entrepreneurial leadership, which in turn will affect the organizational performance of the public sector. The study conducted in one of public organization in Indonesia. The respondent of this study is 162 middle-level managers and analyzes using Structural Equation Model (SEM) with the Partial Least Square (PLS) approach. The results show that innovative behavior affects organizational performance, and innovative behavior is influenced by creative self-efficacy and innovation climate. However, this study did not find the moderating effect of entrepreneurial leadership in the relationship between creative self-efficacy and innovative behavior."

"Dukungan universitas sangat diperlukan dalam upaya meningkatkan intensi kewirausahaan mahasiswa. Hal ini merupakan salah satu solusi atas permasalahan rendahnya tingkat kewirausahaan Indonesia. Penelitian ini bertujuan untuk menganalisis pengaruh dukungan universitas terhadap intensi kewirausahaan mahasiswa melalui efikasi diri sebagai variabel mediasi. Pendekatan yang digunakan dalam penelitian ini adalah pendekatan kuantitatif dengan melakukan survei terhadap 300 mahasiswa. Data diolah dengan metode Structural Equation Modeling-Partial Least Square (SEM-PLS) menggunakan tools SmartPLS 4. Hasil penelitian menunjukkan bahwa dukungan universitas berpengaruh positif intensi kewirausahaan mahasiswa, baik secara langsung maupun melalui mediasi efikasi diri. Selain itu, efikasi diri juga diketahui memberikan pengaruh yang positif terhadap intensi kewirausahaan mahasiswa.

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University support is essential in an effort to increase student entrepreneurial intention. It is one of the solutions to Indonesia's low level of entrepreneurship. The study aims to analyze the impact of university support on student entrepreneurial intention through self-efficacy as a mediation variable. The approach used in this study is a quantitative approach by conducting surveys of 300 students. Data is processed using the Structural Equation Modeling-Partial Least Square (SEM-PLS) method using SmartPLS 4 tools. Research results show that university support has a positive impact on student entrepreneurial intention, both directly and through self-efficiency mediation. In addition, self-efficiency is also known to have a positive influence on student entrepreneurial intention."

"Penelitian ini bertujuan untuk menguji hubungan antara entrepreneurial self-efficacy dan proactive personality pada entrepreneurial intention dengan attitude toward entrepreneuship dan perceived behavioural control sebagai variabel mediasi. Penelitian ini mengadopsi pendekatan kuantitatif untuk menjawab tujuan penelitian. Partisipan dalam penelitian ini adalah mantan pekerja migran Indonesia di Provinsi Nusa Tenggara Barat dan Nusa Tenggara Timur (n=352). SPSS dan LISREL digunakan untuk menganalisis data kuantitatif meliputi statistik deskriptif, reliabilitas, validitas, dan SEM. Hasilnya, terdapat hubungan positif dan signifikan antara proactive personality terhadap attitude toward entrepreneurship dan perceived behavioural control. Selain itu, ada hubungan positif dan signifikan yang ditemukan antara attitude toward entrepreneurship dan entrepreneurial intention. Attitude toward entrepreneurship memiliki efek mediasi antara proactive personality dan entrepreneurial intention. Jumlah responden yang lebih banyak diharapkan dapat memberikan hasil analisis yang lebih baik dan akurat. Temuan penelitian ini harus divalidasi kembali melalui penelitian lebih lanjut dalam berbagai konteks, karena generalisasi hasil dalam penelitian ini hanya didasarkan pada sampel responden yang berada di Provinsi Nusa Tenggara Barat dan Nusa Tenggara Timur. Dengan menggunakan hasil penelitian ini, pemerintah dapat mendorong dengan menciptakan ekosistem dan membuat instrumen kebijakan yang tepat sasaran seperti memberikan pelatihan kewirausahaan dan literasi digital untuk mendukung kegiatan kewirausahaan. Mantan pekerja migran perlu memiliki inisiatif, selalu ingin belajar hal baru, menjaga perilaku kepeloporan dan mengenali peluang.

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The purpose of this paper is to examine the relationship between entrepreneurial self-efficacy and proactive personality on entrepreneurial intention with attitude toward entrepreneurship and perceived behavioural control as mediation variabel. This study adopts a quantitative approach to address the research objectives. The participants in this study were former Indonesian migrant workers in the province of West Nusa Tenggara and East Nusa Tenggara (n=352). SPSS and LISREL was used to analyze the quantitative data including descriptive statistics, reliability, validity, and SEM. In the results, there is a positive and significant relationship between proactive personality on attitude toward entrepreneurship and perceived behavioral control. In addition, there is a positive and significant relationship was found between attitude toward entrepreneurship and entrepreneurial intention. Attitude toward entrepreneurship has a mediating effect between proactive personality and entrepreneurial intention. A larger number of respondents is expected to provide better and more accurate analysis results. The findings of this study must be re-validated through further research in various contexts, because the generalization of the results in this study is based only on a sample of respondents who are in the provinces of West Nusa Tenggara and East Nusa Tenggara. Using the results of this study, the government can encourage by creating an ecosystem and making targeted policy instruments such as providing entrepreneurship training and digital literacy to support entrepreneurial activities. Former migrant workers need to have initiative, always want to learn new things, maintain pioneering behavior and recognize opportunities."

"Menjadi seorang wirausahawan memiliki pengaruh yang baik dalam membantu para PMI untuk mengelola uang yang didapatkan dari hasil bekerja di luar negeri, agar uang tersebut berputar dan mereka bisa memiliki peningkatan pendapatan hingga kualitas hidup secara berkelanjutan. Dari hasil penelitian-penelitian terdahulu diketahui bahwa locus of control, entrepreneurial self-efficacy dan entrepreneurial intention dapat berpengaruh terhadap kemampuan opportunity recognition yang dimiliki PMI untuk memulai wirausaha. Pengumpulan data dilakukan dengan melakukan survey hingga mendapat 202 orang PMI yang berada di Provinsi Nusa Tenggara Timur dan kemudian data yang diperoleh diolah menggunakan Structural Equation Modelling. Hasil penelitian menunjukkan bahwa locus of control positif tidak signifikan dan entrepreneurial self-efficacy berpengaruh signifikan negatif terhadap entrepreneurial intention dan keduanya berpengaruh positif signifikan terhadap opportunity recognition. Entrepreneurial intention berpengaruh positif signifikan terhadap opportunity dan memediasi sempurna pada locus of control dan opportunity recognition serta memediasi secara parsial signifikan terhadap entrepreneurial self-efficacy dan opportunity recognition.

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Becoming an entrepreneurs have a good influence in helping PMIs to manage the money they get from working abroad, so that the money goes round and they can have an increase in income to a sustainable quality of life. From the results of previous studies, it is known that locus of control, entrepreneurial self-efficacy and entrepreneurial intention can affect PMI's ability to have opportunity recognition to start an entrepreneur. Data collection was carried out by conducting a survey to obtain 202 PMI people in East Nusa Tenggara Province and then the data obtained were processed using Structural Equation Modeling. The results showed that positive locus of control was not significant and entrepreneurial self-efficacy had a significant negative effect on entrepreneurial intention and both had a significant positive effect on opportunity recognition. Entrepreneurial intention has a significant positive effect on opportunity and mediates perfectly on locus of control and opportunity recognition as well as partially significant mediation on entrepreneurial self-efficacy and opportunity recognition"

"ABSTRACTPenelitian ini bertujuan untuk menganalisis pengaruh entrepreneurship education terhadap entrepreneurial intention mahasiswa dengan self-efficacy sebagai variabel mediasi. Penelitian ini menggunakan pendekatan kuantitatif. Data penelitian diperoleh dari data primer melalui penyebaran kuesioner dengan responden sebanyak 195 mahasiswa program studi bisnis atau manajemen di Universitas Indonesia, Universitas Prasetya Mulya, dan Universitas Bina Nusantara dengan menggunakan teknik quota sampling. Penelitian ini menggunakan analisis causal-step dan sobel test untuk mengguji pengaruh langsung dan pengaruh mediasi di antara variabel-variabel kunci. Hasil penelitian menunjukkan bahwa entrepreneurship education mempengaruhi entrepreneurial intention mahasiswa secara signifikan, dimana self-efficacy memediasi secara parsial hubungan entrepreneurship education terhadap entrepreneurial intention mahasiswa. Temuan ini dapat membantu Pemerintah Indonesia merumuskan kebijakan dan program guna mendorong mahasiswa untuk mengejar karir kewirausahaan, yang mana dapat mengurangi ketergantungan besar mereka pada pekerjaan konvensional dan dengan demikian mengurangi pengangguran. Temuan ini juga bermanfaat bagi universitas dan lembaga pendidikan tinggi lainnya, dimana universitas dan institusi pendidikan tinggi dapat mempertimbangkan untuk merancang kurikulum, program, dan mata kuliah kewirausahaan.

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ABSTRACTThis study aims to analyze the effect of entrepreneurship education on student entrepreneurial intention with self-efficacy as a mediation variable. This study uses a quantitative approach. The research data are obtained from primary data through questionnaires with respondents as many as 195 students majoring in business or management of University of Indonesia, Prasetya Mulya University, and Bina Nusantara University by using the quota sampling technique. This study uses causal-step and sobel tests to examine the direct and mediation influence among key variables. The results of the study show that entrepreneurship education influences student entrepreneurial intention significantly, where self-efficacy partially mediates the relationship between entrepreneurship education and student entrepreneurial intention. This finding can help the Government of Indonesia to formulate policies and programs that encourage students to pursue entrepreneurial careers, which can reduce their large dependence on conventional jobs and thereby reduce unemployment. This finding is also beneficial for universities and other higher education institutions, where universities and higher education institutions can consider designing curriculum, program, and entrepreneurship courses."

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Penelitian ini bertujuan untuk meneliti pengaruh antara financial literacy dan risky credit behavior dengan mediasi financial self-efficacy dan moderasi financial stress. Pengambilan data dilakukan dengan metode purposive sampling menggunakan survei online kepada mahasiswa yang pernah menggunakan metode pembayaran paylater. Sebanyak 120 responden terkumpul yang kemudian diolah dan dianalisis menggunakan metode regresi dengan menggunakan SPSS 26. Hasil penelitian menunjukkan bahwa financial literacy signifikan berpengaruh negatif terhadap risky credit behavior mahasiswa. Selanjutnya, subjective financial literacy memiliki efek negatif yang lebih besar daripada objective financial literacy terhadap risky credit behavior. Penelitian ini juga menemukan bahwa efek moderasi dari financial stress berhasil mempengaruhi hubungan antara subjective financial literacy dan risky credit behavior namun peranan efek moderasi terhadap objective financial literacy belum terlihat signifikansinya. Selanjutnya, financial self-efficacy signifikan memediasi secara parsial hubungan antara subjective financial literacy dan risky credit behavior namun tidak memediasi hubungan pada objective financial literacy.

 

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This study aims to analyze the effect of financial literacy on risky credit behavior with financial self-efficacy as an mediating variables and financial stress as an moderating variables. Data collection was carried out by purposive sampling method using online surveys to students who had used the paylater payment method. A total of 120 respondents were collected which were then processed and analyzed using the regression method using SPSS 26. The results showed that financial literacy had a significant negative effect on the risky credit behavior of students. Furthermore, subjective financial literacy has a greater negative effect than objective financial literacy on risky credit behavior. This study also finds that the moderating effect of financial stress has succeeded in influencing the relationship between subjective financial literacy and risky credit behavior, but the role of the moderating effect on objective financial literacy has not been shown to be significant. Furthermore, financial self-efficacy partially partially mediates the relationship between subjective financial literacy and risky credit behavior but does not mediate the relationship on objective financial literacy.

 

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"Perubahan lingkungan yang cepat menyebabkan organisasi publik harus beradaptasi dan berinovasi. Untuk itu diperlukan Aparatur Sipil Negara yang memiliki perilaku kerja yang inovatif disertai kepercayaan diri yang tinggi dalam mengerjakan pekerjaannya dan senantiasa mau meningkatkan kompetensinya serta berbagi pengetahuan melalui proses pembelajaran dalam organisasi. Didukung oleh pimpinan agar senantiasa memberikan pelayanan terbaik kepada masyarakat. Oleh karenanya penelitian ini bertujuan untuk menganalisis adanya pengaruh Creative Self-efficacy dan Organizational Learning terhadap Innovative Work Behavior yang dimoderasi oleh Managerial Support di lingkungan Direktorat Jenderal Pelayanan Kesehatan, dengan lokus penelitian di kantor pusat Direktorat Jenderal Pelayanan Kesehatan. Penelitian ini menggunakan pendekatan penelitian kuantitatif yang menggunakan teknik survei dan kuesioner sebagai instrumen penelitian pada 255 Aparatur Sipil Negara. Pemilihan sampel dilakukan dengan teknik total sampling. Dengan analisis data dilakukan dengan teknik Regresi Linier Berganda dengan Moderated Regression Analysis (MRA) menggunakan software SPSS versi 29. Hasil penelitian ini membuktikan bahwa Creative Self-efficacy dan Organizational Learning memberikan pengaruh positif dan signifikan terhadap Innovative Work Behavior baik secara terpisah maupun bersamaan, dan Managerial Support dapat memoderasi pengaruh Creative Self-efficacy terhadap Innovative Work Behavior serta memoderasi pengaruh Organizational Learning terhadap Innovative Work Behavior.

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Public organizations have to adapt and innovate in response to rapid environmental changes. To continuously provide services to the community, the State Civil Apparatus must exhibit innovative work behavior along with a high degree of self-confidence in their ability to do their jobs. They must also constantly seek to share knowledge and increase their competence through a learning process in the organization. encouraged by the leadership to always provide the best service to the community . The aims of this study is to examine the effect of Creative Self-efficacy and Organizational Learning on Innovative Work Behavior, as moderated by Managerial Support, within the Directorate General of Health Services, with a research locus at the Directorate General of Health Services headquarters, This study employs a quantitative research methodology and employs questionnaires and survey methods as research instruments on 255 State Civil Apparatus. The sample selection was carried out with total sampling technique. With data analysis carried out by Multiple Linear Regression techniques with Moderated Regression Analysis (MRA) using SPSS version 29 software. The finding of this study demonstrates that both Organizational Learning and Creative Self-efficacy positively and significantly influence Innovative Work Behavior, both independently and simultaneously. And Managerial Support can moderate the effect of Creative Self- efficacy on Innovative Work Behavior and moderate the effect of Organizational Learning on Innovative Work Behavior."

"Kewirausahaan secara luas diakui sebagai faktor penentu yang dapat meningkatkan pembangunan sosial dan ekonomi, baik di negara maju ataupun berkembang. Tujuan dari penelitian ini adalah untuk menguji pengaruh efikasi diri kewirausahaan dan kepribadian proaktif terhadap niat berwirausaha melalui sikap terhadap kewirausahaan di antara mantan pekerja migran. Penelitian ini menggunakan metodologi berbasis survei dan menggunakan kuesioner yang terdiri dari 27 item dengan  penilaian lima poin skala Likert untuk 195 mantan pekerja migran. Penelitian dilakukan di Kota/Kabupaten Kupang, Provinsi Nusa Tenggara Timur, Indonesia. Selanjutnya, studi ini menggunakan pemodelan persamaan struktural dan confirmatory factor analysis untuk menguji hipotesis yang diajukan. Perangkat lunak Lisrel digunakan untuk menganalisis dan menguji tujuh hipotesis yang dibuat berdasarkan model penelitian. Hasil penelitian menunjukkan adanya pengaruh tidak langsung pada hubungan antara kepribadian proaktif dan niat berwirausaha melalui sikap berwirausaha, namun efikasi diri kewirausahaan ditemukan memiliki pengaruh negatif signifikan terhadap niat berwirausaha. Selain memberikan kontribusi penting terhadap literatur kewirausahaan, temuan ini juga memberi wawasan baru bagi pembuat kebijakan dan pihak terkait untuk mengembangkan perilaku kewirausahaan para mantan pekerja migran, serta memberikan perhatian pada berbagai elemen kunci yang mempengaruhi proses pembentukan perilaku kewirausahaan.

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Entrepreneurship is widely recognized as a determining factor that can improve social and economic development, both in developing and developed country. The purpose of this study is to examine the effects of entrepreneurial self-efficacy and proactive personality on entrepreneurial intentions among migrant returns through attitude toward entrepreneurship. This research employs a survey-based methodology and uses a 27-item questionnaire with five-point Likert for a total sample of 195 migrant returns. The research was conducted in Kupang City/Regency, East Nusa Tenggara province, Indonesia. Further, the study employs the structural equation modelling and confirmatory factor analysis to test the proposed hypotheses. Lisrel were used to analyse and test seven hypotheses derived from the research model. The results show the indirect effect on the relationship between proactive personality and entrepreneurial intention through attitude towards entrepreneurship, while entrepreneurial self-efficacy is found to have negative significant effect on entrepreneurial intention. By doing so, this study gives important contributions to the literature of entrepreneurship. The findings also provide policy makers with important insights how to develop entrepreneurial intentions on post migrant workers and give attention to key elements of the entrepreneurial process"