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All Journal Upajiwa Dewantara : Jurnal Ekonomi, Bisnis dan Manajemen Daulat Rakyat Widya Dharma Journal of Business
Regas Panji Pratomo
Universitas Nahdlatul Ulama Yogyakarta
Economics, Econometrics & Finance Environmental Science

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An Empirical Analysis of Factors Affecting Financial Well-Being among MSMEs in Yogyakarta Regas Panji Pratomo
Widya Dharma Journal of Business - WIJoB Vol. 5 No. 1 (2026): APRIL 2026
Publisher : FAKULTAS EKONOMI UNWIDHA KLATEN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54840/wijob.v5i1.584

Abstract

MSMEs still face issues of business sustainability, financial vulnerability, and low levels of financial well-being among business owners. This study aims to identify factors influencing the financial well-being of MSMEs in the Special Region of Yogyakarta, including financial literacy, financial traits, and financial behavior. The sampling technique was purposive, with the criteria being active MSMEs that have been operating for at least two years. Data analysis was conducted using Structural Equation Modeling (SEM-PLS). The results indicate that financial behavior negatively influences financial well-being; financial literacy positively influences financial behavior and financial traits; and both financial literacy and financial traits negatively influence financial well-being.
PERBANDINGAN KINERJA KEUANGAN ANTAR SUB-SEKTOR PERUSAHAAN CONSUMER NON-CYCLICALS INDONESIA YANG TERDAFTAR DI BURSA EFEK INDONESIA Novi Diah Wulandari; Regas Panji Pratomo
UPAJIWA DEWANTARA : Jurnal Ekonomi, Bisnis dan Manajemen Daulat Rakyat Vol 9 No 2 (2025): UPAJIWA DEWANTARA: JURNAL EKONOMI, BISNIS DAN MANAJEMEN DAULAT RAKYAT
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/mmud.v9i2.23401

Abstract

This study compares financial performance across four sub sectors of Indonesian consumer non cyclical companies listed on the Indonesia Stock Exchange during the 2021 to 2024 post pandemic recovery period. The analysis uses panel data from 26 firms and 104 firm year observations covering Food and Beverage, Pharmaceutical, Tobacco, and Agribusiness companies. The Kruskal Wallis test and Mann Whitney U post hoc comparisons with Bonferroni correction are applied to nine indicators: return on assets, return on equity, net profit margin, current ratio, debt to equity ratio, total asset turnover, cash holding ratio, price to book value, and Tobin’s Q. The results show significant differences in six indicators. Liquidity and leverage produce the largest effect sizes, with pharmaceutical firms recording the highest current ratio and lowest leverage, while Agribusiness firms show the weakest liquidity and relatively high leverage. Food and Beverage firms achieve the highest market valuation, whereas Agribusiness records the lowest Tobin’s Q. Pharmaceutical firms maintain the highest cash reserves, while Tobacco firms hold the lowest. Return on assets does not differ significantly across sub sectors, indicating comparable operational efficiency despite structural financial differences. These findings support investor benchmarking, sector allocation decisions, financial analysis, and sector specific policymaking in Indonesia.
Co-Authors Novi Diah Wulandari