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All Journal IRDH International Journal of Social Sciences & Humanities (IRDH IJSCH) International Journal of Management and Business
Moch Nurhidayat
Management, Faculty of Economics, University of Tribhuwana Tunggadewi, Malang, Indonesia
Humanities Economics, Econometrics & Finance Social Sciences

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Financial Management Analysis for the Development of SMEs in the Era of the Industrial Revolution 4.0 (Case Study on SMEs in Junrejo City, Batu) Septiana Epliani Marni; Poppy Indrihastuti; Nur Ida Iriani; Moch Nurhidayat
International Journal of Management and Business Vol. 3 No. 1 (2026): January
Publisher : International Research & Development for Human Beings (IRDH)

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Technological developments in the Industry 4.0 era present digital business models, artificial intelligence, and big data that drive changes in SME financial management. This research aims to analyze the financial management of SMEs in the era of the Industrial Revolution 4.0. Using a qualitative approach with a descriptive design, the study was conducted in Junrejo District, Batu City, from December 2024 to January 2025. Primary data is obtained through observation and interviews with SME owners, while secondary data comes from business documents and academic references. The sample was determined by purposive sampling, including SMEs operating for at least five years and applying technology in production, promotion, and finance. Data analysis was carried out thematically through reduction, presentation, and conclusion. The study results show that using technology in financial recording and business operations increases the efficiency and competitiveness of SMEs. A study on three SMEs, namely Tohu Srijaya and Orchid Nursery, shows the use of accounting, IoT, and e-commerce software in managing cash flow, investment, and access to financing. Good financial literacy allows for more optimal financial management. Therefore, increased financial understanding, technology adoption, and government support in access to funding and training are needed for SMEs to develop sustainably.
The Influence of Financial Literacy, Consumptive Lifestyle, And E-Money on Family Financial Management in The Village of Tlogomas Malang City Aristo Aldi; Elly Lestari; Moch Nurhidayat
International Journal of Management and Business Vol. 3 No. 1 (2026): January
Publisher : International Research & Development for Human Beings (IRDH)

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The aim of this study is to determine the effect of financial literacy, consumptive lifestyle and e-money on family financial management in RW 06, Tlogomas Village, Malang City, both partially and simultaneously. Descriptive research design, type of explanatory research using quantitative methods. The population of this research is a resident (head of the family) in the RW 06 environment of Malang City Tlogomas Village as many as 719, sampling techniques using purposive sampling obtained as many as 88 people. Instrument using a questionnaire. Data analysis uses multiple linear regression analysis. Hypothesis testing using the T (partial) test and F test (simultaneous). The results of multiple linear regression obtained by the three independent variables have a positive regression coefficient value and the coefficient of R Square's coefficient of 0.571 (contribution of the independent variable to the dependent variable of 57.1%). The results of the t (partial) hypothesis testing obtained the three independent variables have a tcount> ttable value significantly <0.05 and the results of the F (simultaneous) hypothesis testing obtained the Fcount> Ftable value with significantly <0.05. So it was concluded that financial literacy, consumptive lifestyle and e-money had a significant effect on family financial management in RW 06, Tlogomas Village, Malang City, both partially and simultaneously. The family should manage finances by considering the three factors of financial literacy, lifestyle, and e-money in order to achieve more stable and prosperous financial conditions.
The Role of Financial Literacy as a Mediator of The Influence of Financial Knowledge, Financial Attitude, Financial Experience, and Locus of Control on Students' Personal Financial Management Anggraini Lokku Dapa Teo; Ahmad Mukoffi; Moch Nurhidayat
International Journal of Management and Business Vol. 3 No. 1 (2026): January
Publisher : International Research & Development for Human Beings (IRDH)

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Personal financial management is an essential skill that students need to effectively organize and plan their finances. However, many students still struggle with financial management, which can lead to financial problems in the future. This study aims to analyze the role of financial literacy as a mediating variable in the relationship between financial knowledge, financial attitude, financial experience, and locus of control on students' personal financial management. This research employs a quantitative approach using a survey method on Management students at Universitas Tribhuwana Tunggadewi Malang from the 2021 and 2022 cohorts. Data were collected through questionnaires and analyzed using the Structural Equation Modeling-Partial Least Square (SEM-PLS) method. The results indicate that financial literacy has a significant influence on personal financial management and serves as a mediator in the relationship between independent variables and personal financial management. These findings have implications for students to enhance their financial literacy to better manage their finances and for educational institutions to improve financial literacy programs for students.
The Effect of Online Marketing and Shipping Costs on Consumer Buying Interest in Dennis Orchid House Maria Renita Da Costa; Moch Nurhidayat; Warter Agustim
International Journal of Management and Business Vol. 3 No. 1 (2026): January
Publisher : International Research & Development for Human Beings (IRDH)

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This research explores how online promotion strategies and delivery charges impact consumer buying decisions at Dennis Orchid House, both individually and collectively. The study applies a quantitative descriptive approach, targeting buyers of Dennis Orchid House. A total of 100 participants were chosen using purposive sampling. Data were obtained through structured questionnaires. The responses were processed using multiple linear regression analysis, supported by t-tests for individual variables and an F-test for combined variable influence. The analysis shows that both online marketing and delivery fees have a positive influence on purchase interest, with an R² value of 0.756. This indicates that 75.6% of the variation in consumer interest is explained by the two variables. Statistical tests confirm that both factors significantly affect consumer buying interest, as shown by significance values below 0.05. Online marketing initiatives and delivery cost policies play an essential role in shaping customer purchasing decisions. Business owners are advised to enhance their digital marketing appeal and provide flexible shipping options to attract more buyers.
Financial Performance Analysis of Village Unit Cooperatives (Koperasi Unit Desa) Karangploso, Malang Regency Maria Dominika Agni; Anung Prasetyo Nugroho; Moch Nurhidayat
International Journal of Management and Business Vol. 3 No. 1 (2026): January
Publisher : International Research & Development for Human Beings (IRDH)

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This study aimed to determine the financial performance of KUD Karangploso for the last five years by analyzing the parameters of liquidity, solvency, and profitability. This study uses a quantitative descriptive research design. The data was used as financial statements for the KUD Karangploso period 2019-2023. Data analysis using ratio analysis in the form of liquidity analysis (Current Ratio and Cash Ratio), solvency ratio (Net Worth to Debt Ratio and Debt to Equity Ratio), activity ratio (Fixed Asset Turnover Ratio and Debt to Equity Ratio), and profitability ratio (Return on Assets and Return on Equity). The analysis results show that the financial performance of KUD Karangploso, based on the solvency ratio, faces challenges in maintaining its liquidity because the ratio value is below the standard.Furthermore, the analysis of solvency ratios shows good performance, although fluctuating, and analysis of Net Worth to Debt Ratio in 2019. Moreover, the study of profitability ratios shows unhealthy financial performance (ineffective). Karangploso Village Unit Cooperative (KUD) managers need to improve the efficiency of cash management and current assets, balance the capital structure by reducing long-term debt and increasing equity, and improve the effectiveness of asset management and equity to generate optimal profits through business diversification, increased operational efficiency, and product and service innovation.
The Influence of Working Capital Structure on The Profitability of Manufacturing Companies Listed on The Indonesia Stock Exchange Oktavianus Karno; Elly Lestari; Moch Nurhidayat
International Journal of Management and Business Vol. 3 No. 1 (2026): January
Publisher : International Research & Development for Human Beings (IRDH)

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This quantitative study looked at the relationship between three key debt ratios—the Debt to Equity Ratio (DER), the Long-term Debt to Equity Ratio (LDER), and the Debt to Assets Ratio (DAR)—and the profitability of manufacturing companies that are partially listed on the Indonesia Stock Exchange (IDX). The researchers used a purposive sample technique to choose six industrial enterprises on the IDX, and they gathered 30 financial statement data points from 2019 to 2023. Multiple linear regression analysis was the primary method used to examine the data.   The study's findings demonstrate that any debt ratio alone has a statistically significant impact on profitability.   Specifically, DAR, LDER, and DER had t-values of 5.095 (p < 0.05), 4.751 (p < 0.05), and 6.072 (p < 0.05), the corresponding accordingly.   Furthermore, the combined influence of DAR, LDER, and DER on profitability was shown to be extremely significant with an F-value of 17.116 and an R2 of 75.2%.  This suggests that when combined, these three debt ratios may account for a sizable portion of the variation in the profitability of the chosen businesses. The study concludes that an increase in these debt ratios (DAR, LDER, and DER) is associated with a larger possibility for enhanced profitability, underscoring the critical role that effective working capital management plays in enhancing a company's financial performance.
The Influence of Financial Planning Literacy and Financial Inclusion on The Growth of Cafe Smes in Malang City Priskalina Sartika Sudirman; Moch Nurhidayat; Noviana Yaniar Suprajitno
International Journal of Management and Business Vol. 3 No. 3 (2026): July
Publisher : International Research & Development for Human Beings (IRDH)

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This study aims to determine the effect of financial planning literacy and financial inclusion on the growth of Small and Medium Enterprises (SMEs) cafes in Malang City. Financial planning literacy is the ability of business actors to understand, plan, and manage business finances effectively, while financial inclusion relates to access and utilization of formal financial services such as banking and other financial institutions. This study uses a quantitative approach with descriptive and verification methods. The population in this study were all 144 SME cafe operators in Malang City, with a sample of 60 respondents determined using a purposive sampling technique. Data collection was carried out through a questionnaire with a Likert scale. Data analysis techniques used include validity tests, reliability tests, classical assumption tests, multiple linear regression analysis, t-tests, F-tests, and coefficients of determination. The results of the study indicate that financial planning literacy and financial inclusion, both partially and simultaneously, have a positive and significant effect on the growth of SME cafes in Malang City. This indicates that the better the ability of business actors in financial planning and the wider access to formal financial services, the greater the growth of cafe businesses. Therefore, improving financial literacy and expanding access to formal financial services will further boost cafe business growth. Therefore, improving financial literacy and expanding access to financial services for SMEs are crucial factors in driving sustainable business development.
The Effect of Recruitment Activities on Social Media and Employer Branding on the Quality of Job Candidates Yosep Perianto; Moch Nurhidayat; Retno Ayu Dewi Novitawati
International Journal of Management and Business Vol. 3 No. 3 (2026): July
Publisher : International Research & Development for Human Beings (IRDH)

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This study aims to analyze the influence of social media recruitment activities and employer branding on the quality of job candidates. The development of digitalization encourages companies to utilize social media as an effective recruitment tool to reach candidates more widely, quickly, and efficiently. Furthermore, employer branding is a crucial factor in building a company's image to attract qualified candidates. This study employed a quantitative approach with a survey method, distributing questionnaires to 183 respondents who met the research criteria. Data analysis techniques included validity testing, reliability testing, classical assumption testing, multiple linear regression analysis, t-tests, F-tests, and the coefficient of determination (R²). The results showed that social media recruitment activities had a positive and significant effect on the quality of job candidates. Employer branding also had a positive and significant effect on the quality of job candidates. Simultaneously, social media recruitment activities and employer branding had a significant influence on the quality of job candidates. These findings suggest that companies need to optimize the use of social media and strengthen employer branding to improve their ability to attract candidates who match the organization's needs. This research is expected to provide theoretical contributions to the development of human resource management science and serve as a practical reference for companies in designing effective digital recruitment strategies.
The Influence of Digital Financial Literacy and Trust on Fintech Lending Among Gen Z in Malang City Moch Nurhidayat; Warter Agustim; Fransiska Susanti
IRDH International Journal of Social Sciences & Humanities Vol. 3 No. 2 (2026): June
Publisher : International Research and Development for Human Beings (IRDH)

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The purpose of this study was to determine the effect of digital financial literacy and trust on the use of fintech lending among Generation Z in Malang City, both partially and simultaneously. This study employed a quantitative research method. The sample was determined using a purposive sampling technique, resulting in 100 respondents. Data were collected through questionnaires. The data analysis method used was multiple linear regression with the assistance of SPSS version 26. The results showed that partially, digital financial literacy had a significant effect on the use of fintech lending with a t-value of 5.769 and a significance value of 0.001, and trust also had a significant effect on the use of fintech lending with a t-value of 4.310 and a significance value of 0.001. Simultaneously, digital financial literacy and trust had a significant effect on the use of fintech lending with an F-value of 127.088, which was greater than the F-table value of 3.097 and a significance value of 0.001. The results indicate that the higher the level of digital financial literacy and trust, the higher the tendency of Generation Z to use fintech lending services.
The Influence of Financial Literacy, Individual Confidence, and Peers on Students' Saving Behavior in Malang City Moch Nurhidayat; Noviana Yaniar Suprajitno; Teresia Sensari Sartini
IRDH International Journal of Social Sciences & Humanities Vol. 3 No. 2 (2026): June
Publisher : International Research and Development for Human Beings (IRDH)

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This study aims to analyze the effect of financial literacy, individual self-efficacy, and peer influence on students’ saving behavior in Malang City. The research uses a quantitative approach with a survey method by distributing questionnaires to 100 student respondents. Data analysis techniques include validity test, reliability test, classical assumption test, multiple linear regression analysis, and hypothesis testing using t-test and F-test.  The results show that partially, financial literacy does not have a significant effect on students’ saving behavior. This indicates that students’ financial knowledge has not been fully implemented in their daily financial behavior. Meanwhile, individual self-efficacy has a positive and significant effect on saving behavior, meaning that higher confidence in managing finances leads to better saving behavior. In addition, peer influence also has a positive and significant effect, indicating that the social environment plays an important role in shaping students’ financial habits.  Simultaneously, financial literacy, individual self-efficacy, and peer influence significantly affect students’ saving behavior. This shows that saving behavior is influenced by a combination of knowledge, psychological, and social factors. The conclusion of this study is that saving behavior is more influenced by individual confidence and social environment rather than financial literacy alone. Therefore, it is necessary to improve self-awareness, motivation, and create a supportive social environment to encourage better financial management behavior.
Co-Authors Ahmad Mukoffi Anggraini Lokku Dapa Teo Anung Prasetyo Nugroho Aristo Aldi Elly Lestari Fransiska Susanti Imam Hidayat Maria Dominika Agni Maria Renita Da Costa Marianus Jaban Noviana Yaniar Suprajitno Nur Ida Iriani Oktavianus Karno Poppy Indrihastuti Priskalina Sartika Sudirman Retno Ayu Dewi Novitawati Septiana Epliani Marni Teresia Sensari Sartini Warter Agustim Yosep Perianto