Financial inclusion, operating costs, and entrepreneurial traits; Gender-based insights into MSME financial performance in Indonesia Khairun Nisa, Agung Dharmawan Buchdadi, Saparuddin Mukhtar, Faisal Hamdi Contaduria Y Administracion, 2026 This study investigates the unique effects of financial inclusion, operating costs, and entrepreneurial characteristics on the financial performance of micro, small, and medium enterprises (MSMEs) in Indonesia, with a specific focus on gender-based analysis. Using a 2023 sample of 292 MSMEs across 29 Indonesian provinces, this research incorporates a diverse and extensive dataset to enhance the understanding of MSME dynamics. Structural Equation Modeling (SEM) was employed to analyze the relationships among the variables. The findings reveal that financial inclusion, operating costs, and entrepreneurial characteristics significantly enhance MSME financial performance, with no notable performance differences between male-led, female-led, or jointly managed businesses. These results provide insights into achieving equitable and optimal MSME financial performance and inform strategies to enhance women’s roles in Indonesia’s economy.
EXPLORING THE DYNAMICS OF WORK SATISFACTION AND INNOVATION AMONG YOUNG LECTURERS IN POST-PANDEMIC INDONESIA Despinur Dara, Saparuddin Saparuddin Journal of Indonesian Economy and Business, 2025 Introduction/Main Objectives: This study purposes to investigate the complex relationship among work autonomy, work crafting, work satisfaction, and innovative work behaviour. Background Problems: How autonomy, crafting, and work satisfaction relate and, more collectively, affect young lecturers' innovative work behaviours within the shifting educational circumstances in Indonesia is a major concern. Novelty: This research has groundbreaking importance because it applies the self-determination theory to this particular academic context of Indonesia. It emphasises the impact of cultural variations on the motivation and behaviour of young lecturers. It offers an innovative perspective on how young lecturers may be innovative and adaptable in the face of pedagogical and technical changes that are occurring at a fast rate. Research Methods: The study uses a mixed method approach in which 382 young lecturers from state universities in Indonesia participate in surveys, in-depth interviews, and participatory observations. By using structural equation modelling (SEM) by Lisrel and systematically coded by NVIVO, it becomes possible to analyse the complex interrelationships between the variables. Finding/Result: Work crafting on work satisfaction and work satisfaction on innovative behaviour has a significant positive impact. In contrast, work autonomy has no significant influence on lecturer work satisfaction. Excessive autonomy and interference without assistance will lower lecturer work satisfaction. In a dynamic educational environment, encouraging young lecturers to use creative teaching techniques and having institutional support can boost their creativity. Conclusion: What is brought into sharp focus through this study is the balance of autonomy with adequate support for young lecturers in a world that is rapidly developing in terms of digital education. Thus, pressure exists in universities to ensure young lecturers enjoy convenience in their work and support them to ensure they obtain the institutional support and work tools required in the digital era.
Factors That Influence the Implementation of Good Governance and Their Implications for Performance Accountability Quality Access to Success, 2024 This study aims to examine several main issues, namely the effect of the competence of local government apparatus on the implementation of good governance and the effect of the implementation of good governance on local government performance accountability.what factors affect performance accountability in the Merangin district government, further researchers are interested in analyzing differences in performance accountability of each agency in Merangin Regency based on performance reports that have been reported using the PLS Multi Group Analysis (MGA) method.Quantitative methods were used in this study using questionnaires as primary data and the Merangin Regency Regional Apparatus Organization (OPD) Accountability Performance Evaluation Report as secondary data.The sample obtained in this study was 56 Regional Apparatus Work Units.The following research results provide findings that the competence of government officials has a direct positive effect on Good Corporate Governance, the professionalism of the government internal control apparatus has a direct positive effect on Good Corporate Governance, Good Corporate Governance has a direct positive effect on performance accountability.
Supportive leadership and voice behavior: The mediating role of work engagement Dodot Adikoeswanto, , Siti Nurjanah, Saparuddin Mukhtar, Anis Eliyana, Nurul Liyana Mohd Kamil, , , , and International Journal of Advanced and Applied Sciences, 2024 This study examines how supportive leadership, through the influence of work engagement, affects the voice behavior of correctional officers in Aceh's Ministry of Law and Human Rights. A total of 158 officers participated by completing questionnaires distributed via Google Forms over different time periods. All proposed hypotheses were confirmed. The results emphasize the significance of understanding these factors for organizational success and enhancing employee engagement. Correctional officers in Aceh benefit from supportive leadership, which improves work quality and increases their willingness to share opinions on work-related matters.
Fostering voice behavior in correctional institutions: Investigating the role of organizational support and proactive personality Dodot Adikoeswanto, Siti Nurjanah, Saparuddin Mukhtar, Anis Eliyana, Andika Setia Pratama, Rachmawati Dewi Anggraini, Nurul Liyana Mohd Kamil Plos One, 2024 This research delves into the intricate interplay between perceived organizational support, proactive personality, and voice behavior. Furthermore, it establishes the pivotal role of work engagement as a mediating factor within the articulated research model. The study engaged 287 healthcare professionals within correctional institutions and detention centers in Indonesia, employing a dual-phase questionnaire distribution to capture the dynamic aspects of the participants’ experiences. Utilizing the statistical technique of Partial Least Square—Structural Equation Modeling with the SmartPLS 4 program as an analysis tool, the collected data underwent comprehensive analysis. The outcomes reveal that proactive personality significantly influences voice behavior both directly and indirectly through its impact on work engagement. Conversely, perceived organizational support directly influences work engagement but does not exhibit a direct impact on voice behavior. These findings underscore the significance of proactive personality in fostering a conducive environment for constructive organizational change from a grassroots perspective. The study suggests that organizations prioritize the cultivation of proactive personality traits to stimulate voice behavior, thereby facilitating ongoing improvements and sustainable organizational progress.
The Role of Professionalism, Auditor’s Experience, and Independence in Improving the Quality of Audit Results: Empirical Study on The Government Internal Monitoring Apparatus ITJEN Kemendikbudristek Budi Agung Prasetya, Dedi Purwana, Saparuddin Muhtar Journal of Ecohumanism, 2024 The Government Internal Monitoring Apparatus is an important part of government management to realize good governance. This research aims to carry out analysis through the stages of identifying, reviewing, and proving hypotheses, as well as finding variables that influence the quality of audit results. The research method used is a mixed parallel convergent method. This research analyzes data through two analyses: quantitative and qualitative analysis, quantitative data was collected through questionnaires from 201 ITJEN Kemendikbudristek auditors. while qualitative data was obtained through interviews and observation. The analysis technique uses SPSS 26.0, Amos 5, and QSR NVivo 20.2 software. Research results from the quantitative analysis show that the level of professionalism, experience, independence, and quality of audit results at ITJEN Kemendikbudristek is in the sufficient category. The causal relationship between professionalism, experience, independence, and the quality of audit results is not significantly strengthened by the existence of the working time moderating variable. The model with the moderating variable produces a fit model. Likewise, the proposed model without the moderating variable produces a fit model. A model that can not only interpret samples but also interpret the population as a whole. The model without the moderating variable has a much more effective model, namely 15.2%, compared to the model with working time with a model effectiveness level of 15.1%. The research results from the qualitative analysis show that the level of professionalism, experience, independence, and quality of audit results at ITJEN Kemendikbudristek is in the sufficient category. These results are in line with the results of quantitative analysis using arithmetic average calculations. For this reason, increasing the professionalism, experience, and independence of auditors, which is currently considered sufficient, will further improve the quality of audit results when the level of professionalism, experience, and independence increases.
Optimizing Performance: The Role of Job Rotation in Employee Motivation and Satisfaction Bakasia Helaudho, Saparuddin Mukhtar, Indra Pahala Pakistan Journal of Life and Social Sciences, 2024 This study aims to understand the effect of job rotation on employee performance through job satisfaction and motivation at the Ministry of Law and Human Rights (Kemenkumham).The research methodology employs a quantitative approach with surveys as the data collection method.The research population comprises all employees at the Ministry of Law and Human Rights, specifically in the Directorate General of Intellectual Property, using purposive sampling to yield 262 respondents.Data analysis was conducted using Structural Equation Modeling (SEM) with the assistance of AMOS software.The study concludes that although job rotation can directly enhance employee performance, it can decrease employees' work motivation.Therefore, planning job rotation should be conducted carefully and accompanied by adequate training programs to minimize the negative impact on work motivation.Proper implementation of job rotation can assist organizations in optimizing the potential of their human resources and achieving strategic goals.This research provides theoretical contributions to human resource management and practical information for organizations to consider factors of job satisfaction and motivation in the application of job rotation.
Navigating Uncertainty: How Dynamic Capabilities Drive Competitive Advantage in Indonesian Hospitals Emile aifa Pakistan Journal of Life and Social Sciences, 2024 Agriculture, a critical sector within the economic system, encompasses activities aimed at utilizing and transforming the natural environment for the production of plants and animals beneficial to humanity.Its multifunctional nature renders it dynamic and indispensable in the development of any nation.This article delves into this subject by providing a theoretical and empirical review, aiming to revisit certain experiences and achievements in agricultural production.While economic literature sometimes suggests an ambiguous relationship between agriculture and the broader economy, in developing countries, this sector remains vital due to its contributions to national wealth, employment, and foreign trade.This underscores the sector's significance in the economies of developing nations and the potential ripple effects it may induce, despite the challenges it faces, such as low productivity, limited mechanization, and climate change, when formulating development strategies.
GOVERNMENT POLICY AND ENTREPRENEURSHIP PREPARATION: THE MEDIATING ROLE OF MOTIVATION AND RISK PERCEPTION Karuniana Dianta Arfiando Sebayang, Agus Wibowo, Saparuddin Mukhtar, Bagus Shandy Narmaditya Corporate and Business Strategy Review, 2024 Escalating the number of young entrepreneurs is challenging (Saptono et al., 2020; Maebane, 2023), and government support can be beneficial in raising the intention toward entrepreneurship. This research assessed how government policies influence the readiness of young people to become entrepreneurs and involved motivation and risk perception as mediators. As many as 360 young entrepreneurs in the Special Capital Region of Jakarta were involved in this self-administered survey research, and the hypotheses were estimated using partial least squares structural equation modeling (PLS-SEM) with SmartPLS 3.0 software. The results of our study are consistent with a number of preliminary papers, which indicate that government policies not only affect the readiness of young entrepreneurs to be concerned about entrepreneurship but also increase their motivation and resilience when facing risks. The findings also show that resilience in facing risks can strengthen the influence of government policies and increase the readiness of young entrepreneurs to do business. This work furnishes insight into the vital role of government policy in increasing motivation, resilience to risk, and the readiness of young entrepreneurs to do business.
Using technology acceptance model to investigate digital business intention among Indonesian students Agus Wibowo, Ari Saptono, Bagus Shandy Narmaditya, Mohammad Sofwan Effendi, Saparuddin Mukhtar, Suparno, Muhammad Hakimi Mohd Shafiai Cogent Business and Management, 2024 The digitalization of entrepreneurship articulates concepts from various streams of literature to promote entrepreneurial intentions. This study investigates the influence of digital entrepreneurship education, perceived usefulness, and perceived ease of use on digital entrepreneurial intentions. Drawing on knowledge-based literature, this research explores the mediating effect of digital entrepreneurial self-efficacy. The data were collected from 309 university students in Indonesia through a self-administered survey, and the hypotheses were estimated using PLS-SEM with Smart-PLS 3.0. The findings indicate that digital entrepreneurship education significantly affects digital entrepreneurial self-efficacy and intention among Indonesian students. This study also demonstrates that the variables of the technology acceptance model can promote digital entrepreneurial self-efficacy and intention. In addition, the result confirms the mediating role of digital entrepreneurial self-efficacy in explaining the association between digital entrepreneurship education, perceived ease of use, and entrepreneurial intentions.
The impact of new media literacy and supply chain knowledge management on community economy in Indonesia International Journal of Supply Chain Management, 2020
The use of digital social media in the creative economy under quarantine conditions during the coronavirus pandemic, 2020 International Journal of Innovation Creativity and Change, 2020
The impact of spillover and spatial interaction of growth center metropolitan “MAMMINASATA” in South Sulawesi, Indonesia International Journal of Scientific and Technology Research, 2019
The impact of spillover and spatial interaction of growth center metropolitan “Mamminasata" in South Sulawesi, Indonesia International Journal of Recent Technology and Engineering, 2019
The impact of word of mouth and service quality toward customer loyalty: The mediating role of customer trust Proceedings of the 33rd International Business Information Management Association Conference Ibima 2019 Education Excellence and Innovation Management Through Vision 2020, 2019
Beach attraction: Upcoming model in Bangka Island, Indonesia Academy of Strategic Management Journal, 2019
The influence of service quality and perception of large financing margin on financing aplication decisions and their impact on customer satisfaction Proceedings of the 33rd International Business Information Management Association Conference Ibima 2019 Education Excellence and Innovation Management Through Vision 2020, 2019
The effect of compensation, motivation of employee and work satisfaction to employee performance PT. Bank XYZ (Persero) Tbk Academy of Strategic Management Journal, 2018
Exploring the Impact of selected Macro-Economic Variables on GDP of Indonesia Proceedings of the 32nd International Business Information Management Association Conference Ibima 2018 Vision 2020 Sustainable Economic Development and Application of Innovation Management from Regional Expansion to Global Growth, 2018
Analysis of welfare in Indonesia Basri Bado, Syamsu Alam, Vandy, Saparuddin International Journal of Economics and Business Administration, 2018
Tourism attraction: Finding from Bangka Island, Indonesia Proceedings of the 32nd International Business Information Management Association Conference Ibima 2018 Vision 2020 Sustainable Economic Development and Application of Innovation Management from Regional Expansion to Global Growth, 2018
Revisiting the nexus of FDI and DDI: Evidence from Tourism (Hotel and Restaurant) sector in Indonesia Proceedings of the 32nd International Business Information Management Association Conference Ibima 2018 Vision 2020 Sustainable Economic Development and Application of Innovation Management from Regional Expansion to Global Growth, 2018
Marketing strategy analysis of micro, small and medium enterprises of culinary field in the East Bogor region Proceedings of the 31st International Business Information Management Association Conference Ibima 2018 Innovation Management and Education Excellence Through Vision 2020, 2018
The influence of interest rate of Indonesian central bank certificate and non performing loan to investment loans in SME's in Indonesia Proceedings of the 32nd International Business Information Management Association Conference Ibima 2018 Vision 2020 Sustainable Economic Development and Application of Innovation Management from Regional Expansion to Global Growth, 2018
Identification of the Levulinate Dehydratase (ALAD) gene polymorphism and whole blood hemoglobin in the students of elementary school in Kalideres, Jakarta, Indonesia Asian Journal of Microbiology Biotechnology and Environmental Sciences, 2017
Prediction of scouring in the bridge pillar on intermittent river Arpn Journal of Engineering and Applied Sciences, 2015
RECENT SCHOLAR PUBLICATIONS
Entrepreneurial Sustainability through Digital Innovation and Knowledge Capabilities: A AR Utami¹, S Mukhtar, S Suparno Proceedings of the 4th International Conference on Management and Business … , 2026 2026
Entrepreneurial Sustainability through Digital Innovation and Knowledge Capabilities: A Systematic Literature Review AR Utami, S Mukhtar, S Suparno 4th International Conference on Management and Business (ICOMB 2025), 278-295 , 2026 2026
Model Of Sustainable Competitive Advantage In Culinary Small And Medium Enterprises In Bogor Regency K Ratnasari, S Mukhtar, H Herlitah DANESIA: International Journal of Social Sciences and Economics 1 (1), 99-101 , 2026 2026
Escaping the Captive Market: Strategic Innovation in Co-branding and Mitigating Community-induced Inefficiencies in Faith-Based Micro-Enterprises A Azzahid, M Rizan, S Mukhtar Journal of Strategic Innovation in Economics and Business 1 (3), 15-22 , 2026 2026
Pengaruh Literasi Keuangan Digital dan E-Commerce Terhadap Perilaku Doom Spending di Kalangan Generasi Z Universitas Negeri Jakarta SZ Andriani, S Nurjanah, S Mukhtar Ekopedia: Jurnal Ilmiah Ekonomi 2 (1), 533-550 , 2026 2026
Financial inclusion, operating costs, and entrepreneurial traits; Gender-based insights into MSME financial performance in Indonesia K Nisa, AD Buchdadi, S Mukhtar, F Hamdi Contaduría y administración 71 (3), 1-20 , 2026 2026
Pengaruh Perilaku Interaktivitas Live Streaming terhadap Purchase Intention pada Keputusan Pembelian Thrift Shop, melalui Literasi Ekonomi sebagai Variabel Mediasi Studi pada … RHIMI Hibban, KDA Sebayang, S Mukhtar PENG: Jurnal Ekonomi dan Manajemen 3 (1), 438-450 , 2026 2026 Citations: 2
DIGITAL ENTREPRENEURSHIP LEARNING TRAINING WITH AI ENHANCING COMPETENCE AND PROFESSIONAL COMPETITIVENESS S Mukhtar, A Wibowo, A Kusumaningrum, DRED Negara, E Maulida, ... Jurnal Pemberdayaan Masyarakat Madani (JPMM) 9 (2), 55-65 , 2025 2025
Driving Business Performance in Jakarta’s Fried Chicken MSMEs: The Role of Product and Service Innovation in Creating Competitive Advantage A Fadhillah, S Mukhtar, O Usman Journal of Strategic Innovation in Economics and Business 1 (2), 36-55 , 2025 2025 Citations: 1
Understanding How Export Stimuli, Export Knowledge, Product Standards, and Marketing Strategies Shape the Export Performance of Indonesian MSMEs ST Widati, S Mukhtar Journal of Digital Business and Global Economy 1 (3) , 2025 2025 Citations: 2
THE EFFECT OF E-COMMERCE, ECONOMIC LITERACY, AND BUSINESS LOCATION ON MSME INCOME IN JAKARTA S Mukhtar, KDA Sebayang International Journal of Current Economics & Business Ventures 5 (2) , 2025 2025
Leadership for Success and Fulfillment: Inspiring Nobility in Action HP Murtopo, ES Dedi Purwana, M Bus, S Mukhtar, SP Suparno PT Bukuloka Literasi Bangsa , 2025 2025
Strategic Entrepreneurship: Systematic Literature Review K Ratnasari, W Naf’an, D Purwana, S Mukhtar, S Suparno IKRAITH-EKONOMIKA 8 (2), 350-359 , 2025 2025
AHP and CLD as Pre-Research Tools for Strategic ESG-Based Competency Models: A Resource-Based View in Action ETP Saratian, T Akbar, S Mukhtar Jurnal Informatika Ekonomi Bisnis, 315-322 , 2025 2025
Strategi Struktur Organisasi Hybrid dan Dampaknya terhadap Keterlibatan Karyawan, serta Kemampuan Beradaptasi dalam Transformasi Digital: Systematic Literature Review HK Jusuf, A Alhidayatullah, MA Aziz, D Purwana, S Mukhtar, S Suparno Jurnal Ilmu Manajemen Retail Universitas Muhammadiyah Sukabumi 6 (2), 144-159 , 2025 2025 Citations: 3
Restructuring for Sustainability: How Organizational Culture Drives Green Strategic Initiatives ETP Saratian, T Akbar, S Mukhtar Jurnal Informatika Ekonomi Bisnis, 221-225 , 2025 2025 Citations: 3
The Effect of Entrepreneurial Knowledge and Self-Efficacy on Business Success through Business Motivation as Mediation (Study on Food Sector Millennial MSMEs in DKI Jakarta) NN Fadilah, S Mukhtar, KDA Sebayang 2025
Using technology acceptance model to investigate digital business intention among Indonesian students A Wibowo, A Saptono, BS Narmaditya, MS Effendi, S Mukhtar, Suparno, ... Cogent Business & Management 11 (1), 2314253 , 2024 2024 Citations: 37
The Influence of Third-Party Funds, Return on Assets, and Financing to Deposit Ratio on Sharia Banking Financing In MSMEs RA Safitri Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) 8 (2), 329-351 , 2024 2024 Citations: 1
Factors That Influence the Implementation of Good Governance and Their Implications for Performance Accountability IP Dinata, M Saparuddin, I Pahala Calitatea 25 (203), 328-332 , 2024 2024 Citations: 1
MOST CITED SCHOLAR PUBLICATIONS
The effect of compensation, motivation of employee and work satisfaction to employee performance Pt. Bank Xyz (Persero) Tbk KIR Sudiardhita, S Mukhtar, B Hartono, T Sariwulan, SI Nikensari Academy of Strategic Management Journal 17 (4), 1-14 , 2018 2018.0 Citations: 358
Does entrepreneurship education and culture promote students’ entrepreneurial intention? The mediating role of entrepreneurial mindset S Mukhtar, LW Wardana, A Wibowo, BS Narmaditya Cogent Education 8 (1), 1918849 , 2021 2021.0 Citations: 288
Does digital entrepreneurship education matter for students’ digital entrepreneurial intentions? The mediating role of entrepreneurial alertness A Wibowo, BS Narmaditya, A Saptono, MS Effendi, S Mukhtar, ... Cogent Education 10 (1), 2221164 , 2023 2023.0 Citations: 121
How does digital entrepreneurship education promote entrepreneurial intention? The role of social media and entrepreneurial intuition A Wibowo, BS Narmaditya, KDA Sebayang, S Mukhtar, MHM Shafiai Social Sciences & Humanities Open 8 (1), 100681 , 2023 2023.0 Citations: 97
Analisis pengaruh indeks pembangunan manusia dan tingkat pengangguran terbuka terhadap kemiskinan di Indonesia S Mukhtar, A Saptono Ecoplan 2 (2), 77-89 , 2019 2019.0 Citations: 81
The analysis of the effects of human development index and opened unemployment levels to the poverty in Indonesia S Mukhtar, A Saptono, AS Arifin Jurnal ecoplan 2 (2), 77-89 , 2019 2019.0 Citations: 46
The influence of leadership styles on employees’ job satisfaction in public sector organizations in Indonesia J Holbert, R Madhakomala, S Saparuddin, E Timotius Management Science Letters 11 (4), 1393-1398 , 2021 2021.0 Citations: 44
The influence of brand image, price, product quality and perceive risk on purchase decision transformer product PT. Schneider Indonesia M Rizan, MO Nauli, S Mukhtar JRMSI-Jurnal Riset Manajemen Sains Indonesia 8 (1), 101-119 , 2017 2017.0 Citations: 39
Technology integrated on media literacy in economic studies on higher education S Mukhtar, K Putri Journal of Social Studies Education Research 12 (1), 95-123 , 2021 2021.0 Citations: 38
Using technology acceptance model to investigate digital business intention among Indonesian students A Wibowo, A Saptono, BS Narmaditya, MS Effendi, S Mukhtar, Suparno, ... Cogent Business & Management 11 (1), 2314253 , 2024 2024.0 Citations: 37
Determinants of debt policy for public companies in Indonesia H MUKHIBAD, S SUBOWO, DO MAHARIN, S MUKHTAR The Journal of Asian Finance, Economics and Business 7 (6), 29-37 , 2020 2020.0 Citations: 36
Assessing the university students’ entrepreneurial intention: Entrepreneurial education and creativity H Yanto Humanities & Social Sciences Reviews , 2019 2019.0 Citations: 36
The influence of ambidextrous organization and authentic followership on innovative performance: The mediating role of change readiness K Kosasih, W Wibowo, S Saparuddin Management Science Letters 10 (7), 1513-1520 , 2020 2020.0 Citations: 29
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Influence of Service Quality, Innovation, Price, Promotion on Customer Satisfaction and Customer Loyalty. Y Hapsari, U Suhud, S Mukhtar Accounting & Finance/Oblik i Finansi , 2021 2021.0 Citations: 19
S., & Indah, NS (2018). The effect of compensation, motivation of employee and work satisfaction to employee performance PT. Bank XYZ (Persero) Tbk S Ketut, M Saparuddin, H Budi, T Herlitah Academy of Strategic Management Journal 17 (4), 1-14 , 0 Citations: 19
Influence of information technology towards the development economics of SMEs in Indonesia KYS Putri, DA Suseno, A Wibowo, LW Wardana Humanities 8 (3), 280-291 , 2020 2020.0 Citations: 17
Dampak Industri Kecil dan Menengah pada Kesempatan Kerja dan Pendapatan per Kapita M Saparuddin Trikonomika Journal 10 (2), 85-94 , 2014 2014.0 Citations: 16
The determinant factors of development batik cluster business: Lesson from Pekalongan, Indonesia A WIBOWO, S MUKHTAR, BS NARMADITYA, HD SINTA The Journal of Asian Finance, Economics and Business 6 (4), 227-233 , 2019 2019.0 Citations: 15