Article Per Year (5 Year)
p-Index From 2021 - 2026
0.408
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This Author published in this journals
All Journal Journal of Marketing Management and Innovative Business Review
Nurlia Nurlia
Balikpapan University
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Financial Inclusion, Risk Management Practices, and SME Performance: A Mixed Methods Study of Mediation Effects in Emerging Economies Nira Dewi Susanti; Andika Benu; Fransisca Ursula Yakomina Lau Yalla; Nurlia Nurlia
Journal of Marketing Management and Innovative Business Review Vol. 4 No. 1 (2026): Mariobre, June 2026 (ISSN : 3031-4208)
Publisher : Master of Management Study Program, Universitas Kristen Indonesia Paulus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63416/mrb.v4i1.472

Abstract

This study examines the relationship between financial inclusion, risk management practices, and SME financial performance using an explanatory sequential mixed methods approach. Quantitative data were collected from 140 SME owners in Makassar and Balikpapan and analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM), followed by qualitative interviews to provide deeper insights into the findings. The results reveal that financial inclusion does not have a significant direct effect on SME financial performance. However, it has a strong positive effect on risk management practices, which in turn significantly improve financial performance. Furthermore, risk management practices fully mediate the relationship between financial inclusion and SME performance. Qualitative findings support these results, indicating that access to financial services alone is insufficient to enhance performance without adequate managerial capabilities in managing financial risks. The study contributes to the literature by integrating the Resource-Based View and Dynamic Capability Theory, highlighting the importance of internal capabilities in leveraging external financial resources. Practically, the findings suggest that policymakers should complement financial inclusion initiatives with capacity-building programmes in risk management to achieve sustainable SME performance.
Financial Anxiety, Financial Self-Efficacy, and Investment Decision-Making: A Mediation Perspective Meliani Triana Puspitasari; Grace Indri; Alex Syauta; Nurlia Nurlia
Journal of Marketing Management and Innovative Business Review Vol. 4 No. 1 (2026): Mariobre, June 2026 (ISSN : 3031-4208)
Publisher : Master of Management Study Program, Universitas Kristen Indonesia Paulus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63416/mrb.v4i1.496

Abstract

This study examines the relationship between financial anxiety, financial self-efficacy, and investment decision-making among individual investors in Indonesia. Grounded in Social Cognitive Theory and behavioral finance perspectives, the research investigates the mediating role of financial self-efficacy in explaining how financial anxiety influences investment behavior. A quantitative approach with an explanatory research design was employed, involving 150 retail investors selected through purposive sampling. Data were collected using structured questionnaires and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with Smart-PLS software. The findings reveal that financial anxiety negatively and significantly affects investment decision-making and financial self-efficacy. In contrast, financial self-efficacy positively and significantly influences investment decision-making. Furthermore, the mediation analysis confirms that financial self-efficacy significantly mediates the relationship between financial anxiety and investment decision-making. These results indicate that higher financial anxiety weakens investors’ confidence in managing financial matters, which subsequently reduces the quality of investment decisions. The study contributes to behavioral finance literature by providing empirical evidence regarding the psychological mechanisms underlying investment behavior in emerging markets. Practically, the findings suggest that investment education programs should not only emphasize financial literacy but also strengthen psychological resilience and financial confidence among investors.
Co-Authors Alex Syauta Andika Benu Fransisca Ursula Yakomina Lau Yalla Grace Indri Meliani Triana Puspitasari Nira Dewi Susanti