Article Per Year (5 Year)
p-Index From 2021 - 2026
2.024
P-Index
This Author published in this journals
All Journal Jurnal Paradigma Ekonomika JURNAL MUTIARA AKUNTANSI Jurnal Informasi, Perpajakan, Akuntansi, dan Keuangan Publik
Sularsih, Hermi
Unknown Affiliation
Economics, Econometrics & Finance

Published : 11 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 11 Documents
Search

 1   2 
PERAN PERILAKU KEUANGAN DAN INKLUSI KEUANGAN DALAM MENJAGA KEBERLANGSUNGAN USAHA UMKM DI KOTA BATU: Financial Behavior, Financial Inclusion and Business Continuity Mukoffi, Ahmad; Himawan Wibisono, Sukarno; As’ adi, As’ adi; Sularsih, Hermi
Jurnal Paradigma Ekonomika Vol. 20 No. 4 (2025): Jurnal Paradigma Ekonomika
Publisher : Program Studi Ekonomi Pembangunan Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jpe.v20i4.51843

Abstract

Business sustainability refers to the ability of enterprises to maintain continuous operations through sound management practices, including business development, expansion, and adaptive decision-making in response to a dynamic business environment. In the context of micro, small, and medium enterprises (MSMEs), sustainability is largely influenced by internal factors, particularly the financial behavior of business owners and their level of financial inclusion. This study aims to examine the role of financial behavior and financial inclusion in sustaining MSMEs in Batu City.This research adopts a quantitative approach with a causal-associative research design. Data were collected through a survey using structured questionnaires distributed to MSME owners in Batu City. The collected data were analyzed using hypothesis testing techniques to assess both partial and simultaneous effects of financial behavior and financial inclusion on business sustainability.The findings indicate that financial behavior and financial inclusion play a significant role in supporting the sustainability of MSMEs in Batu City. Individually, both variables contribute positively to the ability of MSME owners to maintain and develop their businesses. Simultaneously, financial behavior and financial inclusion demonstrate a strong combined influence on MSME sustainability. These results highlight the importance of strengthening financial management capabilities and expanding access to inclusive financial services as strategic efforts to enhance the long-term sustainability of MSMEs.
Co-Authors Ahmad Mukoffi Ahmad Mukoffi, Ahmad Aprilia Dwi Suanti, Riski Armita Hina Marumata, Rambu As’ adi, As’ adi As’adi As’adi Fitria Hayuningtyas, Ruri Handayani, Sartina Handayanto, Adrian Junaidar Himawan W, Sukarno Himawan Wibisono, Sukarno Himawan, Sukarno Junaidar Handayanto, Adrian Luh Dina Ekasari Ndelu Lembo, Helmina Sesari, Vindi Slamet Wardhani, Fidyah Arini Kusuma Wibisono, Sukarno Himawan Wikardojo, Soko Yahfetson Boru, Aloysius Yayuk Sulistyowati