The research goals to analyze the affect of My Digital Academy (MDA) Training Program as an early hiring strategy for fresh graduates on employee work synergy at Bank Mandiri in Cirebon City using a second order model approach with Integrated Organizational construct comprising three dimensions: MDA Training Program, Work Readiness, and Organizational Socialization. The research employs a quantitative approach utilizing a survey method with 107 Bank Mandiri employees in Cirebon who participated in the MDA program. Data analysis utilizes two-stage Partial Least Squares-Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0 to test the formative second order model. This outcomes demonstrate that Integrated Organizational has a significant positive affect on Work Synergy (β = 0.609, p < 0.05) with a large affect size (f² = 0.589). Organizational Socialization contributes the most (outer weight = 0.640), followed by Work Readiness (0.500) and MDA Training Program (0.473). The model exhibits moderate explanatory power (R² = 0.384) and good predictive relevance (Q² = 0.347). The study contributes to HRM literature by integrating three organizational dimensions into a single formative second order construct to predict work synergy. The two-stage PLS-SEM approach enables identification of unique contributions of each dimension in forming organizational integration, which has been underexplored in the context of early hiring programs in Indonesia's banking industry. HR managers should prioritize organizational socialization programs in fresh graduate onboarding, integrating them with technical training and work readiness development. Bank Mandiri is advised to develop structured mentoring programs and buddy system mechanisms that support cultural adaptation of new employees, and design MDA training that focuses not only on technical competencies but also facilitates understanding of organizational values and culture.
This study aims to analyze the influence of ease of use, security, and perceived usefulness of QRIS on the development of the digital economy among Generation Z in Cirebon City. Using the Technology Acceptance Model (TAM) framework, data were collected from 300 respondents through an online questionnaire and analyzed using multiple linear regression. The results indicate that, both partially and simultaneously, the variables of ease of use, security, and perceived usefulness have a positive and significant effect on digital economic development. These three factors contribute 56.2% to enhancing the efficiency of cashless transactions and strengthening the digital ecosystem. The findings highlight the importance of optimizing digital payment technology features to accelerate digital economic transformation.
In recent time, cybercrime has emerged as a critical threat to economic stability in Nigeria, with disproportionate effects on local economies. This paper examines the impact of cybercrime on the activities of indigenous entrepreneurs in Awka, Anambra, Nigeria. A cross-sectional survey research design was adopted. Questionnaires were distributed to 87 respondents purposively selected from 22 indigenous enterprises and key community wealth creators in the study area. The presentation of data was done using frequency distribution tables, charts and relevant narratives. The study found out that cybercrime undermines business growth through financial losses, erosion of customer trust, and reduced investor confidence. These disruptions extend beyond individual enterprises, contributing to declining household incomes, weakened reinvestment capacity, and slower community wealth distribution. The study identifies weak law enforcement, low digital literacy, and poor cyber security infrastructure as key enablers of cybercrime. The study, therefore, recommends multi-interventions, including digital security training for indigenous entrepreneurs, stronger regulatory enforcement, and community-based awareness programs, among others.
This study examines the integration of public policy, green business practices, and economic value creation in supporting the sustainability of micro, small, and medium enterprises (MSMEs), focusing on the case of Zunda White Tea in West Java, Indonesia. The research adopts a sustainability science perspective, emphasizing the interaction between economic, social, and environmental dimensions. Using financial analysis from 2022–2025 and applying the Economic Value Added (EVA) approach, this study evaluates whether the enterprise creates real economic value beyond accounting profits. The findings indicate that Zunda MSME demonstrates consistent financial growth, operational efficiency, and increasing profitability, supported by green business implementation such as organic inputs, eco-friendly packaging, and waste management. Furthermore, the study reveals that public policy plays a critical role in shaping sustainable agribusiness ecosystems, although its effectiveness depends on implementation consistency and alignment with MSME needs. The integration of Creating Shared Value (CSV), green business, and EVA provides a comprehensive framework for sustainable value creation. This study contributes to sustainability science by offering an integrative model that connects policy, business strategy, and financial performance in agribusiness MSMEs.
His study aims to determine the effect of Intellectual Capital (X1) and Company Financial Performance (X2) on Financial Distress (Y). The results of the study indicate that there is an influence of Intellectual Capital (X1) on Financial Distress (Y). The results of the first hypothesis test are proven by the value of 6,651 ≥ 1,97944 and a t significance of 0,000 < 0,05. After that, there is an influence of Company Financial Performance (X2) on Financial Distress (Y). The results of the second hypothesis test are proven by the value of 18,250 ≥ 1,97944 and a t significance of 0,000 < 0,05. In addition, there is a simultaneous influence of Intellectual Capital (X1) and Company Financial Performance (X2) on Financial Distress (Y). The results of the third hypothesis test are proven by the value of 70,029 ≥ 3,07 and a significance F of 0,000 < 0.05. Companies with intellectual capital tend to have operational efficiency, The synergy between optimal intellectual capital management and good financial performance will strengthen the company's financial condition and minimize the risk of financial distress.
