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All Journal Journal of Management and Digital Business Penamas: Journal of Community Service
Heru Cahyo
Fakultas Ekonomika dan Bisnis, Universitas Wijayakusuma Purwokerto
Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Health Professions Other

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Faktor psikologis pemilik UMKM knalpot terhadap pengambilan keputusan keuangan di Kabupaten Purbalingga Isnaeni Rokhayati; Mayla Surveyandini; Heru Cahyo
Journal of Management and Digital Business Vol. 5 No. 3 (2025): Journal of Management and Digital Business
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/jmdb.v5i3.2173

Abstract

The research aims to determine the influence of psychological factors on the financial decisions of micro, small, and medium enterprise owners. The population consisted of 90 muffler MSME owners in Purbalingga Regency, with 48 respondents selected as the sample. Data analysis used multiple linear regression. The analysis shows that financial knowledge, financial attitudes, and financial planning significantly influence the financial decision-making of muffler MSMEs in Purbalingga Regency. These findings suggest that psychological factors, such as financial knowledge, financial attitudes, and financial planning, possessed by micro, small, and medium enterprise owners can influence their financial decision-making in their businesses. Based on the study’s results, it is clear that a business owner must always pay attention to the psychological factors of financial knowledge, financial attitudes, and financial planning in every consideration of financial decisions in their business activities.
Pendampingan terpadu UMKM kuliner dalam kegiatan sosial Manggala Sakti Sejahtera berbasis pemberdayaan ekonomi masyarakat Abidillah Effendi; Apriliani Apriliani; Heru Cahyo; Edi Sumantri
Penamas: Journal of Community Service Vol. 6 No. 2 (2026): Penamas: Journal of Community Service
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/penamas.v6i2.2847

Abstract

Micro, Small, and Medium Enterprises (MSMEs) in the culinary sector have significant potential to support economic growth, particularly in generating employment opportunities, increasing income, and fostering local economic independence. However, the optimization of this potential is still constrained by several challenges, including limited access to capital, low production capacity, weak marketing strategies, income fluctuations, and inadequate supporting facilities and infrastructure. Therefore, an assistance program was conducted for culinary MSME actors in collaboration with Manggala Sakti Sejahtera, located in Kober Village, West Purwokerto District, Banyumas Regency. This assistance was implemented through a direct, participatory approach, using an integrated framework that includes identifying key problems, analyzing business needs, and evaluating program implementation. The program also focused on enhancing the capacity of business actors in production management, strengthening marketing strategies, and optimizing the use of available facilities and infrastructure. The results indicate that the integrated assistance program effectively improved business readiness, enhanced managerial practices, and significantly strengthened the sustainability and competitiveness of culinary MSMEs.
Co-Authors Abidillah Effendi Apriliani Apriliani Edi Sumantri Isnaeni Rokhayati Mayla Surveyandini