This study aims to analyze the influence of Financial Literacy, Risk Perception, and Investment Return on Gold Investment Interest among the community at PT. Pegadaian CP Sanggau. This study employed a quantitative approach using a survey method and involved 150 respondents determined using purposive sampling. Data collection was conducted through questionnaires distributed using Google Form. The analysis techniques used include validity testing, reliability testing, normality testing, multicollinearity testing, heteroscedasticity testing, multiple linear regression analysis, correlation coefficient analysis, coefficient of determination analysis, simultaneous testing, and partial testing. The results of the study indicate that all research instruments are valid and reliable. Specifically, Financial Literacy has a positive and significant effect on Gold Investment Interest with a t-count value of 2.703 and a significance level of 0.042. Risk Perception has a negative but significant effect with a t-count value of -2.069 and a significance level of 0.040. Investment Return has a positive and significant effect with a t-count value of 2.795 and a significance level of 0.040. Simultaneously, Financial Literacy, Risk Perception, and Investment Return have a significant effect on Gold Investment Interest at PT. Pegadaian CP Sanggau, as evidenced by the F-count value of 45.8 exceeding the F-table value of 2.47 and a significance level of 0.000. The coefficient of determination (R²) of 0.458 indicates that 45.8% of Gold Investment Interest is explained by Financial Literacy, Risk Perception, and Investment Return, while the remaining portion is influenced by other factors outside this study.
This research aims to analyze the challenges of cross-border da'wah communication and the sociocultural adaptation strategies employed by preachers (dai) in the Frontline, Outermost, and Disadvantaged (3T) regions of Indonesia. Da'wah in 3T regions requires more than conventional lecturing due to severe geographical isolation, thick local mystical beliefs, cultural resistance, and minimal infrastructure. This qualitative study used a case study approach, collecting data through in-depth interviews, non-participant observations, and documentation from ten purposively selected operational field preachers. The collected data were analyzed using Miles and Huberman’s interactive model. The results indicate that preachers experience language barriers, low religious literacy, and severe structural limitations. To overcome these barriers, preachers adapt by shifting from oral preaching (da'wah bil-lisan) to action-oriented, community-based development preaching (da'wah bil-hal), utilizing interpersonal approach models, local language assimilation, and economic empowerment. This study implies that contextual da'wah adaptation significantly enhances religious acceptance and fosters socioeconomic resilience among marginal Muslim groups in border areas.
Abstract This study aims to analyze the effect of financial literacy, financial attitude, and digital transaction adoption on the financial management of micro, small, and medium enterprises (MSMEs) in the food and beverage (F&B) sector in Pontianak City. This study employs a quantitative approach with an associative research design. The sampling technique used is purposive sampling, involving 150 MSME owners as respondents. Primary data were collected through a questionnaire using a five-point Likert scale and were analyzed using multiple linear regression after passing validity, reliability, and classical assumption tests. The results show that financial literacy has a positive and significant effect on MSME financial management, financial attitude has a positive and significant effect, and digital transaction adoption also has a positive and significant effect. Simultaneously, the three independent variables have a significant effect on MSME financial management. The correlation coefficient indicates a strong relationship (R = 0.722) with a coefficient of determination of 0.521, meaning that 52.1% of the variation in MSME financial management can be explained by financial literacy, financial attitude, and digital transaction adoption, while the remainder is influenced by other factors outside the research model. These findings emphasize the importance of improving financial literacy and financial attitude as well as utilizing digital transactions in supporting more effective and sustainable financial management for F&B MSMEs.
This study aims to determine the influence of Financial Knowledge, Financial Self-Efficacy, and Financial Stress on Financial Well-Being among university students using paylater in Pontianak City. This study uses an associative method. The population in this study consists of university students in Pontianak City who use paylater services for transactions, with a sample of 150 respondents determined using purposive sampling techniques. Instrument testing techniques in this study include validity and reliability tests. Furthermore, the classical assumption tests used consist of normality, linearity, and multicollinearity tests. Hypothesis testing was conducted using multiple linear regression analysis, correlation coefficient, coefficient of determination, simultaneous test (F test), and partial test (t test). Based on the results of multiple linear regression analysis, the regression equation obtained is Y = 1.509 + 0.254X₁ + 0.433X₂ − 0.064X3. The correlation coefficient results show a value of 0.769, meaning there is a strong relationship between Financial Knowledge, Financial Self-Efficacy, and Financial Stress on Financial Well-Being. The coefficient of determination shows a value of 0.592, meaning that Financial Well-Being is influenced by Financial Knowledge, Financial Self-Efficacy, and Financial Stress by 59.2%, while the remaining 40.8% is influenced by other variables not examined in this study. The simultaneous test results indicate that Financial Knowledge, Financial Self-Efficacy, and Financial Stress together have a positive and significant influence on Financial Well-Being. Based on the partial test results, it is known that Financial Knowledge and Financial Self-Efficacy have a positive and significant influence on Financial Well-Being. Meanwhile, Financial Stress separately has a negative and significant influence on Financial Well-Being.
This study aims to analyze the effect of organizational culture and work motivation on the employee engagement of Civil Servants (PNS), both partially and simultaneously. The study employs a quantitative approach with an associative design. The population and sample consist of 132 civil servants (total sampling). Data were collected using a Likert-scale questionnaire and analyzed through multiple linear regression using SPSS, supported by instrument validity and reliability tests, classical assumption tests (normality, linearity, and multicollinearity), correlation coefficient (R), coefficient of determination (R²), as well as F-test and t-test at a 0.05 significance level. The results indicate that organizational culture and work motivation simultaneously have a positive and significant effect on employee engagement. Partially, both organizational culture and work motivation also have a positive and significant effect on employee engagement. An R value of 0.660 indicates a strong relationship, while an R² value of 0.436 suggests that 43.6% of the variation in employee engagement is explained by organizational culture and work motivation, whereas the remaining 56.4% is influenced by other factors outside the model. Theoretically, this study strengthens organizational behavior literature by confirming the role of organizational culture and motivation as determinants of employee engagement within the public-sector bureaucratic context. Practically, the findings provide a basis for institutions to reinforce a constructive work culture and manage motivation systematically to improve employee attachment.
