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All Journal JRB-Jurnal Riset Bisnis Journal of Economics, Entrepreneurship, Management Business and Accounting
Dian Rahmayanti Rivai
Universitas Sulawesi Barat, Majene, Indonesia
Economics, Econometrics & Finance

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FINANCIAL INCLUSION : TRANSFORMING INORGANIC WASTE INTO INCOME FOR WASTE BANK CUSTOMERS IN MAKASSAR CITY Nur Ariyandani Nanda; Rahmat Ghazali; Irawati; Dian Rahmayanti Rivai; Futri Ayu Wulandari
Jurnal Riset Bisnis Vol. 9 No. 2 (2026): April
Publisher : Fakultas Ekonomi dan Bisnis Universitas Pancasila Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65179/jrb.2026.9926

Abstract

Makassar City faces critical waste management challenges, with daily volumes reaching 800–900 tons. This condition threatens the environment due to increasingly limited handling capacity. As an innovative solution, digital financial inclusion has been introduced to help the community manage income generated from plastic waste collection. Although community participation in waste management is quite high, the main obstacle lies in the lack of understanding and adaptation to formal and digital financial systems. This study uses a qualitative approach with a case study design to deeply explore the experiences of waste bank actors in transforming waste into economic value through digital financial management. The research focus includes community dynamics, transaction governance, price-setting mechanisms, and the transition from manual to digital systems. The research results show that the waste bank program in Makassar has a positive impact on digital financial inclusion and the economic empowerment of marginal communities. Through collaboration with Bank Sulselbar, customers now use digital savings books to store the proceeds from their waste sales. It is recorded that more than 458 tons of plastic waste were successfully managed and paid for through the digital system. Furthermore, digital financial literacy training has proven effective in increasing customers' understanding of modern financial management, thereby creating economic independence while supporting environmental sustainability in Makassar City. Key Words : Waste Bank, Financial Inclusion, Inorganic Waste Products, Income, Customer
Strategic Resources and MSME Performance: The Role of Sustainable Competitive Advantage Fajar Rakasiwi Syamsuddin; Samsuardi Said; Futri Ayu Wulandari; Dian Rahmayanti Rivai; Anfas
Journal of Economics, Entrepreneurship, Management Business and Accounting Vol 4 No 5 (2026): Volume 4, Issue 5, September 2026
Publisher : CV. Sakura Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61255/jeemba.v4i5.1721

Abstract

Purpose – This study examines the relationships between Human Capital Interaction (IHC), Endorsement Strategy (SE), and Social Media Capability (KMS) with MSME Performance (KU), while investigating Sustainable Competitive Advantage (KKB) as a resource-specific mediating mechanism and Innovation Capability (KI) as a potential boundary condition and direct capability associated with MSME Performance. Design/methodology/approach – This study employed a quantitative cross-sectional design involving MSME owners and managers in Majene Regency, Indonesia. Data were collected from 243 responses, of which 44 were excluded based on eligibility criteria, resulting in a final sample of 199 respondents. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) and PLSpredict. Finding/Results – The results indicate that Endorsement Strategy (SE) and Social Media Capability (KMS) are positively associated with Sustainable Competitive Advantage (KKB). Furthermore, SE, KKB, and Innovation Capability (KI) have positive direct associations with MSME Performance (KU). The mediation analysis shows that SE and KMS have significant indirect associations with KU through KKB, whereas IHC does not demonstrate a significant indirect pathway. Innovation Capability is directly associated with KU, but its moderating effects on the relationships between IHC, SE, KMS, and KU are not supported. Originality/Value – This study contributes by demonstrating that Sustainable Competitive Advantage is not a universal mediating mechanism for all strategic resources. Instead, its role differs according to specific antecedents. The findings also highlight that Innovation Capability primarily functions as an independent capability associated with MSME Performance rather than as a moderating boundary condition in non-metropolitan MSME contexts.
Co-Authors Anfas Fajar Rakasiwi Syamsuddin Futri Ayu Wulandari Irawati Nur Ariyandani Nanda Rahmat Ghazali Samsuardi Said