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All Journal KEUNIS Dialektika: Jurnal Ekonomi dan Ilmu Sosial Golden Ratio of Data in Summary Jurnal Dinamika Manajemen
Nur Listiani
Universitas YPPI Rembang
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Kemampuan Diversifikasi Pendapatan dan Keberlanjutan Keuangan UMKM Kuliner: Peran Mediasi Stabilitas Pendapatan Nur Listiani; Siti Alliyah; Rita Meiriyanti
DIALEKTIKA: Jurnal Ekonomi dan Ilmu Sosial Vol 11 No 1 (2026): Dialektika: Jurnal Ekonomi dan Ilmu Sosial
Publisher : Prodi Manajemen Fakultas Ekonomi dan Bisnis Universitas Islam Raden Rahmat Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36636/dialektika.v11i1.9171

Abstract

This study aims to examine the effect of revenue diversification capability on the financial sustainability of culinary micro, small, and medium enterprises (MSMEs), with income stability as a mediating variable. Data were collected through a survey of 150 culinary MSMEs in Rembang Regency, Central Java, Indonesia, using a structured questionnaire. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with a bootstrapping approach to test the proposed relationships. The results indicate that revenue diversification capability has a positive and significant effect on both income stability and financial sustainability. Income stability also significantly influences financial sustainability and partially mediates the relationship between diversification capability and sustainability. These findings suggest that diversification enhances financial sustainability primarily by stabilizing income streams, providing practical implications for MSMEs to develop strategies that ensure more predictable and sustainable income.
Digital Transformation, Fintech Utilization, Digital Financial Literacy, and Financial Sustainability of Culinary MSMEs Nur Listiani; Siti Alliyah
Jurnal Dinamika Manajemen Vol. 17 No. 1 (2026): March
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jdm.v17i1.37422

Abstract

This study aims to analyze the effect of digital transformation and fintech utilization on the financial sustainability of culinary micro, small, and medium enterprises (MSMEs), with digital financial literacy as a mediating variable. This research employed a quantitative explanatory approach involving 250 MSME owners and financial managers in Salatiga, Semarang, and Rembang. Data were collected through structured questionnaires and analyzed using Partial Least Squares-Structural Equation Modeling (PLS-SEM). The results indicate that digital transformation and fintech utilization have positive and significant effects on digital financial literacy. Furthermore, digital financial literacy significantly influences the financial sustainability of culinary MSMEs. The findings also confirm that digital financial literacy plays an important mediating role in strengthening the relationship between technology adoption and financial sustainability. These results suggest that technology adoption becomes more effective when supported by adequate financial knowledge and digital skills. This study provides practical implications for policymakers and MSME practitioners to strengthen digital and financial literacy programs in order to enhance sustainable business performance.
The Effect of Discouraged Borrowers on Business Sustainability Through Financial Bootstrapping and Financial Inclusion (Study of Creative Entrepreneurs in Startup Phase) Dhoni Rizky Widya Mardika; Nur Listiani
KEUNIS Vol. 14 No. 1 (2026): JANUARY 2026
Publisher : Finance and Banking Program, Accounting Department, Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32497/keunis.v14i1.6783

Abstract

This quantitative study aims to examine the effects of discouraged borrowers on financial bootstrapping and financial inclusion, as well as how they affect business performance and business sustainability among startup creative economy entrepreneurs. Data were gathered from innovative MSME participants and analyzed using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method. The results indicate that the hesitance of business stakeholders to pursue formal funding substantially promotes the use of bootstrapping techniques, while concurrently diminishing the level of financial inclusion. Moreover, both financial bootstrapping and financial inclusion positively influence business performance, thereby enhancing business sustainability. These findings highlight the significance of alternative funding techniques and participation in the formal financial system in encouraging small enterprises’ growth and resilience. Policy implications necessitate enhancing financial bootstrapping, providing management support, and streamlining access to financial services to promote firm autonomy and sustainability.
Influence of TATO, DER and NPM on Profit Growth in Property and Real Estate Sub-Sector Companies Listed on the IDX Indah Lestari; D. Damayanti; Nur Listiani
Golden Ratio of Data in Summary Vol. 6 No. 2 (2026): February - April
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v6i2.2029

Abstract

This study aims to analyze the effect of Total Asset Turnover (TATO), Debt to Equity Ratio (DER), and Net Profit Margin (NPM) on profit growth. The objects of this study were property and real estate companies listed on the Indonesia Stock Exchange (IDX) for the 2020-2024 period. Sampling was conducted using a purposive sampling technique, with a sample size of 22 property and real estate companies. Based on the statistical analysis, it can be concluded that TATO has a positive but insignificant effect on profit growth. Based on the statistical analysis, it can be concluded that DER has a positive but insignificant effect on profit growth. Based on the statistical analysis, it can be concluded that NPM has a positive but insignificant effect on profit growth. This indicates that increasing the efficiency of asset use, capital structure, and profitability levels have not been able to significantly influence profit growth. Thus, it can be concluded that TATO, DER, and NPM are not entirely the main factors in driving profit growth in property and real estate companies. This research is expected to be a consideration for company management and investors in decision-making and serve as a reference for further research.
Co-Authors D. Damayanti Dhoni Rizky Widya Mardika Indah Lestari Rita Meiriyanti Siti Alliyah