International Journal of Management and Education in Human Development

The Influence of E-Wallet Usage and Financial Literacy on Consumptive Behavior: A Study on Students of the Faculty of Economics and Business, Halu Oleo University, Kendari

Dedy Takdir Syaifuddin — Wed, 30 Sep 2026 00:00:00 +0700

The rapid development of financial technology has transformed the way university students conduct financial transactions and consume goods and services. E-wallets provide convenience, speed, accessibility, and promotional incentives that may encourage students to make purchases more frequently, while financial literacy is expected to help individuals manage financial resources and control excessive consumption. This study aims to examine the influence of e-wallet usage and financial literacy on the consumptive behavior of students at the Faculty of Economics and Business, Universitas Halu Oleo, Kendari. This research employed a quantitative approach using an explanatory survey design. The sample consisted of 120 students selected through purposive sampling. Data were collected using a structured questionnaire with a five-point Likert scale and analyzed using validity and reliability tests, classical assumption tests, multiple linear regression, t-test, F-test, and coefficient of determination. The illustrative regression results indicate that e-wallet usage has a positive and significant effect on students' consumptive behavior, while financial literacy has a negative and significant effect. Simultaneously, e-wallet usage and financial literacy significantly influence consumptive behavior. E-wallet usage represents the stronger predictor of consumptive behavior in the proposed model. The findings indicate that the convenience and promotional characteristics of digital payments may encourage consumption, whereas stronger financial literacy may help students control unnecessary expenditure. The study recommends strengthening financial literacy education and encouraging responsible use of digital payment technologies among university students.

Financial Statement Analysis of PT Bank Mandiri (Persero) Tbk.

Wed, 30 Sep 2026 00:00:00 +0700

Banks are financial institutions that play a crucial role in national economies through financial intermediation, credit allocation, and liquidity provision. This study employs a descriptive analytical approach to assess the financial performance and soundness of PT Bank Mandiri (Persero) Tbk. over the 2017–2021 period. The analysis focuses on five key financial ratios: Return on Assets (ROA), Non-Performing Loans (NPL), Capital Adequacy Ratio (CAR), Operating Expenses to Operating Income (BOPO), and Loan-to-Deposit Ratio (LDR). The results indicate that ROA remained within the healthy category throughout the observation period, despite declining to 1.64% in 2020. NPL remained below the 5% benchmark, while CAR consistently exceeded the minimum standard, reflecting strong capital adequacy. BOPO remained within the healthy range, although operational efficiency weakened in 2020. LDR was classified as unhealthy in 2018 and 2019, but returned to the healthy range in 2020 and 2021. Overall, Bank Mandiri maintained sound financial performance and demonstrated resilience in profitability, credit quality, capital adequacy, operational efficiency, and liquidity management despite external economic pressures, including the COVID-19 pandemic.

Enhancing Public Service Quality through Servant Leadership, Employee Competence, and Self-Efficacy

La Hatani, La Arufi, Nursaban Rommy, Usman Usman, Jumadil — Wed, 30 Sep 2026 00:00:00 +0700

This study aims to examine and explain the improvement of public service quality based on servant leadership, employee competence, and self-efficacy, both simultaneously and partially. The study adopts a quantitative approach within a positivist paradigm. Data were collected cross-sectionally using questionnaires distributed to all 38 employees at the Lasalimu District Office. Multivariate regression analysis was employed as the main analytical technique. The results show that servant leadership, employee competence, and self-efficacy simultaneously have a positive and significant effect on service quality. Partially, servant leadership has a positive and significant effect on service quality; employee competence also has a positive and significant effect; and self-efficacy positively and significantly influences public service quality. These findings indicate that stronger servant leadership, higher employee competence, and greater self-efficacy are associated with improved employee service quality, reflected in service requirements; systems, mechanisms, and procedures; completion time; service fees/tariffs; service product specifications; implementer behavior; complaint, suggestion, and feedback handling; and facilities and infrastructure.

The Effect of Public Service Motivation on Lecturer Performance with Organizational Citizenship Behavior as a Mediating Variable (Study at Computer-Based Private Higher Education Institutions in Kendari City)

Usman Usman, Nirmala Indah Sari, Alida Palilati, Hayat Yusuf, Wade Rahma Batin — Wed, 30 Sep 2026 00:00:00 +0700

Citizenship Behavior as a mediating variable. The study employed Partial Least Squares (PLS) to analyze data collected through questionnaires from 95 lecturers at STMIK Bina Bangsa Kendari, STMIK Catur Sakti, Indotech Kendari Polytechnic, and STIKOM 22 Januari. The results show that Public Service Motivation has a positive but non-significant effect on lecturer performance; Public Service Motivation has a positive and significant effect on Organizational Citizenship Behavior; Organizational Citizenship Behavior has a positive and significant effect on lecturer performance; and Public Service Motivation has a positive and significant effect on lecturer performance through Organizational Citizenship Behavior. Thus, Organizational Citizenship Behavior fully mediates the effect of Public Service Motivation on lecturer performance.

The Effect of Leadership, Work Motivation, and Compensation on Employee Performance at PT. Rajawali Tambang Indonesia, Kendari Branch

Wed, 30 Sep 2026 00:00:00 +0700

This study aims to analyze the effects of leadership, work motivation, and compensation on employee performance at PT. Rajawali Tambang Indonesia (RTI), a company operating in the mining contractor sector. The study employed a mixed-method approach with an explanatory design combining quantitative and qualitative analyses. Data were collected through questionnaires and observations involving 43 permanent employees of PT. RTI. The data were analyzed using multiple linear regression with SPSS. The results show that leadership, work motivation, and compensation significantly affect employee performance, with an R² value of 0.851, indicating that 85.1% of the variation in the dependent variable is explained by the independent variables in the model. Leadership has a positive effect with a coefficient of 0.310 (p = 0.001), work motivation has a stronger effect with a coefficient of 0.577 (p = 0.000), and compensation has a positive effect with a coefficient of 0.175 (p = 0.018). This study makes an important contribution to human resource management in mining contractor companies and recommends improving employee performance through more effective leadership, appropriate work motivation, and adequate compensation.

Human Resource Development (HRD) and Organizational Justice on Employee Performance at the Regional General Hospital of Kolaka Regency

Devian Apriani, Suharto, Usman, Wa Ode Dien Indalestari, Muhamad Farih — Wed, 30 Sep 2026 00:00:00 +0700

This study aims to examine and explain the effects of human resource development (HRD) and organizational justice on employee performance, both partially and simultaneously, at the Regional General Hospital of Kolaka Regency. The study employed a survey method with an explanatory research design. Data were collected cross-sectionally using a questionnaire. The population comprised all 65 civil servants employed at the Regional General Hospital of Kolaka Regency. Data were analyzed using multivariate regression analysis. The results show that HRD has no significant effect on employee performance, whereas organizational justice has a positive and significant partial effect on employee performance. Simultaneously, HRD and organizational justice have a significant effect on employee performance. Therefore, improvements in HRD and organizational justice, as reflected in empowerment and interactional justice, contribute positively to improved employee performance, as indicated by work-target aspects (quantity, quality, and time) and work behavior (service orientation, integrity, commitment, discipline, cooperation, and leadership).

Financial Performance Analysis of the Regional Government of North Buton Regency

Wed, 30 Sep 2026 00:00:00 +0700

The high demand for regional performance and accountability necessitates the measurement of local government performance. Accordingly, governments are required to develop appropriate performance measures. This study aims to evaluate the financial performance of the North Buton Regency Government using a financial accountability approach. Data were collected through interviews, documentation, and literature review, using both primary and secondary data. The data were analyzed using qualitative descriptive analysis. The results show that: (1) the financial performance of North Buton Regency during 2016-2021, as measured by the effectiveness ratio of locally generated revenue, was classified as effective, with an average of 103.72%; (2) the regional financial dependency ratio was classified as very high, averaging 95.20%; (3) the regional financial independence ratio remained very low, with an average of 3.29%; (4) the regional financial efficiency ratio was classified as efficient, with an average of 98.95%; (5) the degree of fiscal decentralization was categorized as very low, with an average ratio of 4.75%; (6) the expenditure compatibility ratio consisted of an average operating expenditure ratio of 68.75%, while the capital expenditure ratio was categorized as inefficient, averaging 30.72%; (7) the liquidity ratio remained at a healthy level; and (8) the solvency ratio indicated an annual increase in the ability of the North Buton Regency Government's equity or own capital to meet its liabilities or debts.