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All Journal Journal of Management, Accounting, General Finance and International Economic Issues (MARGINAL) Jurnal Ekonomi Kreatif dan Manajemen Bisnis Digital (JEKOMBITAL)
Edi Wibowo
Management Study Program, Faculty of Economics, Slamet Riyadi University, Surakarta
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences

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FINANCIAL PERFORMANCE OF CULINARY MSMEs IN JEBRES DISTRICT, SURAKARTA CITY BASED ON FINANCIAL LITERACY, FINANCIAL INCLUSION, AND FINANCIAL TECHNOLOGY Edi Wibowo; Berliana Christian Widayat
JOURNAL OF MANAGEMENT, ACCOUNTING, GENERAL FINANCE AND INTERNATIONAL ECONOMIC ISSUES Vol. 2 No. 2 (2023): MARCH
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/marginal.v2i2.656

Abstract

The financial well-being of micro, small, and medium enterprises (MSMEs) plays a vital role in driving economic growth and fostering entrepreneurship in urban areas. In this context, the culinary sector in Jebres District, Surakarta City, has emerged as a significant contributor to the local economy. However, the performance and sustainability of these culinary MSMEs depend on various factors, including their level of financial literacy, access to financial services, and utilization of financial technology. Understanding the influence of these factors on the financial performance of culinary MSMEs is crucial for devising effective strategies to support and enhance their economic impact. This study aims to determine and analyze the significance of the influence of financial literacy, financial inclusion, and financial technology on the financial performance of culinary micro, small, and medium enterprises (MSMEs) in Jebres District, Surakarta City. The research method employed in this study is a survey conducted among culinary MSMEs in Surakarta City, utilizing quantitative data. The findings indicate that financial literacy has a significant effect on the performance of culinary MSMEs in Jebres District, Surakarta City, which has been proven. Similarly, financial inclusion has also been proven to have a significant impact on the performance of culinary MSMEs in Jebres District, Surakarta City. Additionally, it has been established that financial technology significantly affects the financial performance of culinary MSMEs in Jebres District, Surakarta City.
THE ROLE OF FINANCIAL RESILIENCE FACTORS ON FINANCIAL MANAGEMENT BEHAVIOR IN CENTRAL UMKM ACTORS STRAIGHT WOVEN CRAFTS IN CAWAS DISTRICT KLATEN DISTRICT Edi Wibowo; Akbar Febrianto
Jurnal Ekonomi Kreatif dan Manajemen Bisnis Digital Vol 3 No 4 (2025): MEI
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/jekombital.v3i4.926

Abstract

In the field of economics, the concept of financial management behavior is highly regarded. It encompasses all aspects of acquiring, utilizing, and managing funds within a company. The focus of this study is to examine how financial knowledge, income, financial attitudes, and personality impact the financial management behavior of MSMEs operating in lurik weaving craft centers in Cawas District, Klaten Regency. The subjects of this research were 94 MSMEs at the lurik weaving craft center in Cawas District, Klaten Regency. Various data analysis methods were utilized including multiple linear regression, t-test, F-test, and coefficient of determination. The findings of the study indicate that there is a notable impact of financial literacy on the financial management practices of micro, small, and medium enterprises (MSMEs) in the lurik weaving industry in Cawas District, Klaten Regency. The level of income plays a vital role in shaping the financial management practices of small and medium enterprises operating within the lurik weaving craft centers in Cawas District, Klaten Regency. The attitudes towards finances also play a crucial role in determining the financial management behavior of MSMEs in these areas. Additionally, the personality traits of individuals involved in running MSMEs at lurik weaving craft centers in Cawas District, Klaten Regency have a significant impact on their financial management practices.
Co-Authors Akbar Febrianto Berliana Christian Widayat