Article Per Year (5 Year)
p-Index From 2021 - 2026
0.408
P-Index
This Author published in this journals
All Journal Research Horizon
Bakri Soamole
Universitas Khairun, Indonesia
Arts Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
The Effect of Human Resources, Financial Literacy, Financial Management, and Access to Capital on MSME Financial Performance Bakri Soamole; Mohammad Khotib; Asri Thalib; Arman Ali
Research Horizon Vol. 6 No. 2 (2026): Research Horizon - April 2026
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.6.2.2026.1072

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are crucial for economic growth and employment, yet many in North Ternate District face challenges such as limited resources, uneven managerial skills, and restricted access to capital, making competency development essential for sustainable financial performance. This study examines the key factors influencing MSME financial performance, including human resources, financial literacy, financial management, and access to capital. Data were collected using a quantitative approach from 88 MSME actors through structured questionnaires and analyzed using multiple linear regression with SPSS version 27. The results show that human resource capability does not have a significant impact on financial performance, while financial literacy, effective financial management, and access to capital positively and significantly contribute to improving financial outcomes. The findings provide practical implications for policymakers and MSME practitioners. By strengthening financial literacy programs, promoting sound financial management practices, and facilitating easier access to capital, stakeholders can support the sustainable growth of MSMEs. This study also contributes to the academic literature by highlighting the critical factors beyond human resources that drive MSME success and offering actionable insights for regional economic development.
The Role of Digital Transformation in the Performance of Micro and Small Enterprises Said Mala; Yuliyana Susan Kalengkongan; Riskal Muslim; Bakri Soamole; Muhajir Zam-zam
Research Horizon Vol. 6 No. 4 (2026): Research Horizon - Agustus 2026
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.6.4.2026.1535

Abstract

Digital transformation involves WhatsApp Business for digital marketing and QRIS for digital payments. This study analyzes the role of digital transformation in improving the performance of micro, small, and medium enterprises. This study uses a qualitative case study approach, with data collected through observations, in-depth interviews, and documentation, and analyzed using SWOT, IFAS, and EFAS matrices. The results show that the use of digital technology has a positive impact on improving MSME performance, particularly in increasing business turnover, customer numbers, and transaction efficiency. Business actors using QRIS have an average daily turnover of IDR 1,000,000 to IDR 2,000,000 with approximately 50-80 customers per day, while those who do not use QRIS earn around IDR 500,000 to IDR 1,000,000 with 25-50 customers per day. The IFAS and EFAS results indicate that it has a strong internal position (2.79) and a highly favorable external environment (3.06), with strengths and opportunities outweighing weaknesses and threats. The SWOT analysis indicates that the business development strategy lies in the aggressive strengths-opportunities quadrant, meaning that the business possesses strong internal capabilities and significant external opportunities for expansion. Therefore, digital transformation plays an important role in improving the competitiveness and sustainability of MSMEs.
Co-Authors Arman Ali Asri Thalib Mohammad Khotib Muhajir Zam-zam Riskal Muslim Said Mala Yuliyana Susan Kalengkongan