Article Per Year (5 Year)
p-Index From 2021 - 2026
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This Author published in this journals
All Journal Indatu Journal of Management and Accounting Grimsa Journal of Business and Economics Studies
Salwa Hayati Hasan
Department of Management, Faculty of Social Sciences and Education, Universitas Ubudiyah Indonesia, Banda Aceh 23114, Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Energy Environmental Science Social Sciences Other

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Analysis of Financial Education, Risk Management, and Accessibility of Technology-Based Loans on Improving Village Economic Resilience Soraya Lestari; Muksalmina Muksalmina; Baiti Baiti; Salwa Hayati Hasan; Sari Raudhatul Jannah SI
Grimsa Journal of Business and Economics Studies Vol. 3 No. 1 (2026): January 2026
Publisher : Graha Primera Saintifika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61975/gjbes.v3i1.108

Abstract

Village economic resilience is critical for sustainable rural development, yet remains challenged by limited financial literacy, inadequate risk management, and restricted access to capital. This study examines how financial education, risk management, and technology-based loan accessibility influence economic resilience among culinary sector MSMEs in Syiah Kuala District, Banda Aceh. Using a quantitative approach, data were collected through Likert-scale questionnaires distributed to 68 respondents selected via proportional stratified random sampling from 217 culinary MSMEs. Multiple linear regression analysis reveals that all three independent variables significantly and positively affect village economic resilience. Technology-based loan accessibility emerged as the most dominant factor, followed by financial education and risk management. The findings suggest that integrated interventions combining digital financial inclusion, financial literacy programs, and risk management training can substantially strengthen rural economic resilience. This research contributes empirical evidence on the synergistic effects of these factors in developing economies and provides actionable insights for policymakers designing resilient rural economic development strategies. From a policy perspective, the findings highlight the importance of integrated rural economic policies that simultaneously promote financial education, strengthen risk management capacity, and expand responsible access to technology-based lending. Policymakers and local governments are encouraged to design village-level financial literacy programs and fintech regulations that support productive MSME financing while minimizing financial vulnerability.
Modeling Circular Economy Behavior: The Influence of Brand Activism and Environmental Awareness on Green Repurchase Intention Muksalmina Muksalmina; Salwa Hayati Hasan; Ahmad Syahyana
Indatu Journal of Management and Accounting Vol. 4 No. 1 (2026): June 2026
Publisher : Heca Sentra Analitika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60084/ijma.v4i1.412

Abstract

This study investigates the influence of Brand Activism and Environmental Awareness on Green Repurchase Intention, with Circular Economy Behavior as a mediating variable. The study addresses the persistent attitude–behavior gap in sustainable consumption, whereby consumers often express environmental concern but do not consistently engage in green repurchasing behavior. A quantitative associative approach was employed using data collected from consumers in Banda Aceh City and Aceh Besar Regency, Indonesia, through structured questionnaires. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results reveal that Brand Activism and Environmental Awareness positively and significantly influence Circular Economy Behavior. Circular Economy Behavior also demonstrates the strongest positive effect on Green Repurchase Intention, emerging as the most dominant predictor in the model. In addition, Brand Activism directly and positively affects Green Repurchase Intention, whereas Environmental Awareness shows a negative but significant direct effect, indicating that environmental awareness alone does not necessarily encourage repeated green purchasing. The mediation analysis further reveals that Circular Economy Behavior acts as an important behavioral pathway linking environmental values and brand-related factors with sustainable repurchase behavior. The indirect effects also indicate that Circular Economy Behavior strengthens the influence of Brand Activism and Environmental Awareness on Green Repurchase Intention by translating environmental values and brand-related stimuli into consistent sustainable consumption practices. These findings suggest that sustainable repurchase behavior is primarily shaped by actual behavioral engagement rather than cognitive awareness alone. This study contributes to the sustainable consumer behavior literature by emphasizing the role of Circular Economy Behavior as a key mediating mechanism within the circular economy framework. The findings also suggest that companies and policymakers should focus on encouraging sustainable behavioral practices rather than relying solely on environmental awareness campaigns.
Co-Authors Ahmad Syahyana Baiti Baiti Muksalmina Muksalmina Sari Raudhatul Jannah SI Soraya Lestari