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All Journal Journal of Management, Accounting, General Finance and International Economic Issues (MARGINAL) Review of Applied Accounting Research Journal of International Islamic Business Studies
Ronald Haryanto
Universitas Jenderal Soedirman
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences

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TRANSFORMASI DIGITAL, LITERASI KEUANGAN, DAN ORIENTASI PASAR SEBAGAI DETERMINAN KINERJA UMKM PEREMPUAN DI BANYUMAS DENGAN PENDEKATAN SEM-PLS Isti Riana Dewi; Sausan Nuhaa Maisarah; Ronald Haryanto
Review of Applied Accounting Research (RAAR) Vol. 6 No. 1 (2026): Review Of Applied Accounting Research (RAAR)-February
Publisher : Lembaga Publikasi Ilmiah dan Penerbitan (LPIP)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/raar.v6i1.29951

Abstract

Peran strategis dari UMKM untuk ekonomi Indonesia dilihat dari kontribusi terhadap PDB sebesar 60,5% dengan 64% perempuan menjadi pelaku utamanya. UMKM juga menyerap sebesar 96,7% tenaga kerja. Di Banyumas, perempuan memiliki kontribusi pendapatan tertinggi dibandingkan kabupaten sekitarnya. Meskipun jumlah UMKM perempuan terus meningkat dalam lima tahun terakhir, termasuk saat pandemi, mereka menghadapi tantangan berupa keterbatasan penerapan transformasi digital, rendahnya literasi keuangan, serta orientasi pasar yang belum optimal. Tujuan penelitian ini untuk menganalisis pengaruh transformasi digital, literasi keuangan, dan orientasi pasar terhadap kinerja UMKM perempuan di Banyumas. Secara teoretis, penelitian ini mengintegrasikan perspektif Resource-Based View (RBV) yang menekankan kapabilitas internal usaha melalui transformasi digital dan literasi keuangan sebagai sumber daya strategis, dengan Market Orientation Theory yang menyoroti kemampuan merespons kebutuhan pasar sebagai determinan keunggulan kompetitif. Pendekatan kuantitatif dengan teknik purposive sampling melalui kuesioner, serta analisis data menggunakan SEM berbasis PLS digunakan sebagai metodennya. Hasil menunjukkan transformasi digital, literasi keuangan, dan orientasi pasar berpengaruh positif terhadap peningkatan kinerja UMKM perempuan. Temuan ini menegaskan pentingnya penguatan kapasitas digital, pemahaman keuangan, dan strategi berorientasi pasar sebagai langkah strategis dalam bersaing dengan kompetitor sehingga meningkatkan keberlanjutan UMKM perempuan di Banyumas.
THE ROLE OF ATTITUDE AND FUTURE ORIENTATION IN STIMULATING SUSTAINABLE ENTREPRENEURIAL INTENTION Filda Khoirun Nikmah; Ronald Haryanto; Sudarto Sudarto; Ekaningtyas Widiastuti
JOURNAL OF MANAGEMENT, ACCOUNTING, GENERAL FINANCE AND INTERNATIONAL ECONOMIC ISSUES Vol. 3 No. 4 (2024): SEPTEMBER
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/marginal.v3i4.1435

Abstract

During a period of fast economic expansion and worldwide environmental issues, an increasing number of business owners are incorporating sustainable practices in order to make sure their companies contribute positively to society and safeguard the environment. This research investigates how the consideration of future consequences, attitude, and perceived behavioral control impact the intention to become an entrepreneur among students at Universitas Jenderal Soedirman. A total of 77 participants completed a questionnaire to provide data for the study.   The results of the research suggest that the consideration of future consequences does not influence entrepreneurial intention.  However, Sustainable Entrepreneurial Intention is positively impacted by Attitude and Perceived Behavioral Control. This study provides implications for students to get support in increasing their confidence in running a sustainable business, campuses as educational institutions to develop business incubation programs that focus on sustainable entrepreneurship, and the government can design policies that support positive attitudes towards sustainable entrepreneurship among young people, such as incentives and training.
Islamic Cooperative Financing as a Driver of Traditional Market Traders’ Income: Evidence from Beringharjo Market, Yogyakarta Ahmad Fajar Nugraha; Pramono Hari Adi; Daryono Daryono; Adi Indrayanto; Joni Prayogi; Ahmad Nasori; Ronald Haryanto; Isti Riana Dewi; Sulistyandari Sulistyandari; Rahab Rahab
Journal of International Islamic Business Studies Vol 3 No 1 (2026): JIIBS
Publisher : Fakultas Ekonomi dan Bisnis Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/jiibs.v3i1.22265

Abstract

Islamic cooperative financing plays an important role in supporting financial inclusion and the sustainability of micro-enterprises, particularly traditional market traders with limited access to formal financing. This study examines the effect of Islamic cooperative financing on the income of traditional market traders in Beringharjo Market, Yogyakarta. A quantitative approach was employed using simple linear regression analysis with SPSS. The results show that Islamic cooperative financing has a positive and significant effect on traders’ income, with a regression coefficient of 0.853 and a significance value of 0.000. Thus, the research hypothesis is supported. The coefficient of determination shows an R Square value of 0.785, indicating that Islamic cooperative financing explains 78.5% of the variation in traders’ income, while the remaining 21.5% is explained by other factors outside the research model. These findings demonstrate that Islamic cooperative financing can serve as an important instrument for strengthening traders’ productive capacity and income. The study contributes empirical evidence to the literature on Islamic microfinance and provides practical implications for Islamic cooperatives and policymakers to expand productive financing while strengthening financial literacy and business assistance for traditional market traders.
Co-Authors Adi Indrayanto Ahmad Fajar Nugraha Ahmad Nasori Daryono Daryono Ekaningtyas Widiastuti Filda Khoirun Nikmah Isti Riana Dewi Joni Prayogi Pramono Hari Adi Rahab Rahab Sausan Nuhaa Maisarah Sudarto Sudarto Sulistyandari Sulistyandari