Perkembangan perekonomian saat ini semakin berkembang dengan pesat seiring dengan perkembangan industri 4.0. Berada dalam revolusi industri saat ini sangat berkaitan dengan literasi keuangan yang ada di Indonesia terutama berkaitan dengan investasi dikota Batam. Sebagaian masyarakat berpikir untuk memperoleh pendapatan dari luar gaji selain dari tempat mereka bekerja. Salah satu jalan untuk memperoleh yakni dengan melakukan investasi. Dalam penelitian ini bertujuan untuk mengetahui tingkat literasi keuangan, experienced regret, dan risk tolerance pada keputusan investasi di Kota Batam. Populasi dalam penelitian ini adalah 2 kecamatan yang ada di Kota Batam yaitu Kecamatan Batu aji, kecamatan Sagulung. Metode pengumpulan data mengunakan kuesioner. Dengan mengunakan rumus Jacob cohen maka sampel dalam penelitian ini 204 respoenden. Reseponden dalam penelitian ini adalah masyarakat yang pernah melakukan investasi. Teknik penentuan sampel yang digunakan adalah purposive sampling. Adapun metode analisis yang digunakan mengunakan SEM dengan aplikasi SmartPLS. Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh secara signifikan dan positif terhadap keputusan investasi di kota Batam, experienced regret berpengaruh secara signifikan dan positif terhadap keputusan investasi di kota Batam, risk tolerance berpengaruh secara signifikan dan positif terhadap investasi di kota Batam.

Sektor UMKM merupakan salahsatu sektor penting untuk sumber perekonomian masyarakat Indonesia. Hal ini selain karena usaha tersebut merupakan tulang punggung sistem ekonomi kerakyatan yang tidak hanya ditujukan untuk mengurangi masalah kesenjanganaantar golongan, pendapatan dan antar pelaku usaha, ataupun pengentasan kemiskinan dan penyerapan tenaga kerja. Dikota Batam kinerja sektor usaha mikro dan kecil (UMK) dipengaruhi oleh dua faktor utama yakni faktor-faktor eksternal dan faktor-faktor internal. Faktor internal meliputi aspek SDM (pemilik, manajer, dan karyawan), aspek keuangan, aspek teknis produksi; dan aspek pemasaran. Sedangkan Faktor eksternal terdiri dari kebijakan pemerintah, aspek sosial budaya dan ekonomi, serta peranan lembaga terkait seperti Pemerintah, Perguruan Tinggi, Swasta, dan LSM. Dalam penelitian ini bertujuan untuk mengetahui pengaruh eksternal dan internal terhadap kinerja usaha mikro, kecil dan menengah di Kota Batam. Populasi dalam penelitian ini adalah 2 kecamatan yang ada di Kota Batam yaitu Kecamatan Batu aji dan kecamatan Sagulung. Metode pengumpulan data mengunakan kuesioner. Sampel dalam penelitian ini 150 respoenden. Reseponden dalam penelitian ini adalah UMKM yang unit usahanya kuliner. Teknik penentuan sampel yang digunakan adalah purposive sampling. Adapun metode analisis yang digunakan mengunakan SEM dengan aplikasi SmartPLS. Hasil penelitian menunjukkan bahwa Faktor eksternal terdapat pengaruh terhadap faktor internal secara signifikan dan positif UMKM di Kota Batam; Faktor eksternal terdapat pengaruh terhadap Kinerja UMKM secara signifikan dan positif di Kota Batam; Faktor internal terdapat pengaruh terhadap Kinerja UMKM secara signifikan dan positif di Kota Batam.

This study aims to examine the extent of work discipline, compensation in mendeterminasi employee performance with work motivation as intervening variables at PT Cahaya Pulau Pura in Batam City, using quantitative research methods with data analysis techniques with path analysis of employees as many as 160 reponden made a sample of a population of 268 employees, whose data were tested using SPSS 21 software tools. The results of the study were; Work discipline has a significant influence on work motivation with the coefficient of direct effect of work discipline on work motivation is 0,513. Compensation has no significant effect on work motivation with coefficient of direct effect of compensation on work motivation is 0,015. Work discipline has a significant effect on employee performance with coefficient of direct effect of work discipline on employee performance is 0,249. Compensation has a significant effect on employee performance with coefficient of direct effect of compensation on employee performance is 0,159. Motivation of work has a significant effect on employee performance with coefficient of direct influence of work motivation on employee performance is 0,559. Coefficient of indirect effect> direct effect (0.2867> 0.249). So that work discipline has a significant effect on employee performance through work motivation. Or it could be concluded that the motivation of work as an intervening variable in mediating the relationship of work discipline to the performance of employees. Coefficient of indirect effect> direct influence (0,1674> 0,159). So that compensation has a significant effect on employee performance through work motivation. Or it could be concluded that the motivation of work as an intervening variable in mediating the compensation relationship on employee performance.

The purpᴏse ᴏf this study was tᴏ identify the partial effect (t test) and simultaneᴏus (F test) between the cᴏmmunicatiᴏn variables, wᴏrk discipline and incentives ᴏn the perfᴏrmance ᴏf emplᴏyees at PT Citra Mandiri Distribusindᴏ. The research methᴏd utilized was descriptive research methᴏd with a quantitative apprᴏach, data analysis using SPSS sᴏftware prᴏgram versiᴏn 21. Data cᴏllectiᴏn techniques was undertaken by distributing questiᴏnnaires to 112 tᴏ respᴏndents. The results denoted that the R Square value ᴏf cᴏmmunicatiᴏn variables, wᴏrk discipline, and incentives affected emplᴏyee perfᴏrmance while the t test fᴏr cᴏmmunicatiᴏn comprised a value ᴏf 3.189 > 1.98177 with a significant value ᴏf 0.002 < 0.05, wᴏrk discipline had a value ᴏf 2.763 > 1.98177 and a significant value ᴏf 0.007 < 0.05 and fᴏr incentives possesed a value ᴏf 3.836 > 1.981777 and a significant value ᴏf 0.000 < 0.005 each variable gave a significant effect ᴏn emplᴏyee perfᴏrmance and the F test results comprised a value ᴏf 49.407 > 2.45 and a significant value ᴏf 0,000 < 0.05 demonstrating that cᴏmmunicatiᴏn, wᴏrk discipline and incentives simultaneᴏusly gave a significant effect ᴏn emplᴏyee perfᴏrmance.

This study aims to determine the direct influence of empirical and indirect influence of leadership variables, training, human resource competencies, work motivation, and employee performance. This study uses 185 employees of PT Graha Resik Batam as a research sample. The data obtained were analyzed using path analysis with the help of SPSS 21 software. The results obtained: leadership has a significant influence on work motivation, training has a significant effect on work motivation, human resource competence has a significant influence on motivation, leadership has influence which is significant to employee performance, training has a significant effect on employee performance, human resources competence has a significant effect on employee performance, work motivation has a significant effect on employee performance, leadership has no significant effect on employee performance through work motivation. This means that work motivation does not vary between variables in mediating leadership relationships on employee performance, training has a significant effect on employee performance through work motivation. This means that motivation to work as intervening variable in mediating training relationships on employee performance, human resource competence has no significant effect on employee performance through work motivation. This means that the competence of human resources does not vary between variables in mediating the relationship of competence of human resources with employee performance. Keywords: leadership, training, human resource competence, work motivation, employee performance.