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All Journal Al-Kharaj: Journal of Islamic Economic and Business Jurnal Pustaka Cendekia Hukum dan Ilmu Sosial
Mirza Hapsari Hasidin
STIE Enam Enam Kendari
Religion Arts Humanities Computer Science & IT Economics, Econometrics & Finance

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Mobile Money As Drivers Of Women Msme Performance: The Moderating Effect Of Dynamic Capabilities Mirza Hapsari Hasidin; Astil Harli Roslan; Ichsanuddin Akbar
Jurnal Pustaka Cendekia Hukum dan Ilmu Sosial Vol. 3 No. 3 (2025): Vol. 3 No. 3 (2025): Jurnal Pustaka Cendekia Hukum dan Ilmu Sosial Volume 3 Nom
Publisher : PT PUSTAKA CENDEKIA GROUP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70292/pchukumsosial.v3i3.208

Abstract

This study aims to analyze the influence of mobile money on the performance of women's MSMEs, as well as test dynamic capabilities as a moderation variable that strengthens relationships in the model. The research uses a quantitative approach with a survey method. Data was collected through an online questionnaire distributed to 200 female MSME actors where respondents played the role of business owners or managers. The selection of respondents was carried out purposively with the criteria of women who actively run MSMEs and have experience using mobile money and/or accessing formal financial services in business activities. All indicators were measured using a five-point Likert scale from strongly disagree to strongly agree, with items adapted from previous literature and adjusted to the characteristics of local MSMEs. Data analysis was carried out using SEM PLS because it was able to test the relationship between constructs simultaneously while accommodating moderation testing. The test results show that the variables in the model have a meaningful influence on the performance of women MSMEs, with mobile money as the strongest driver through ease of transactions, payment efficiency, and acceleration of cash flow. Dynamic capabilities also contribute to improved performance because adaptive and innovative business actors are better able to optimize the benefits of digital financial services. In addition, the moderation effect emphasizes the existence of synergy, where the use of mobile money becomes more effective when MSMEs have higher dynamic capabilities. These findings emphasize the importance of expanding the adoption of digital financial services accompanied by strengthening the adaptive capabilities of women's MSMEs.
Green Transformation of MSMEs as Secondary Resource Suppliers in a Circular Economy: A Triple Bottom Line Approach Astil Harli Roslan; Syahrir; Mirza Hapsari Hasidin; Sahrul; Bintang Darajat Ahmed
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 3 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i3.12465

Abstract

This study aims to examine the green transformation of MSMEs as suppliers of secondary resources through the Triple Bottom Line (TBL) approach in supporting the circular economy in Kendari City. The study employs an exploratory qualitative approach with a multiple-case study design. Initial empirical evidence is drawn from focal cases in the processed food and food service subsectors that generate or handle production waste and operational residues. Data were collected through initial mapping, observation, field interviews, and document review; the broader research phase includes stakeholder interviews and validation through Focus Group Discussions (FGDs). Data analysis involved data familiarization, thematic coding, cross-case analysis, and the classification of findings into the People, Planet, and Profit dimensions. The feasibility of MSMEs as suppliers of secondary resources is assessed through availability, quality, continuity, and partnership/network readiness. Initial findings indicate that residues and potential secondary materials can be identified across all focal cases; however, the mere presence of residues does not automatically indicate supplier readiness. Material quality, supply consistency, information on economic value, and networks with processors or users remain aspects that need to be strengthened and further verified. This study proposes a phased conceptual framework ranging from material identification, quality control, continuity verification, and network development to value realization and integration into circular value chains. The findings provide an empirical basis for strengthening MSMEs and designing local circular economy policies.
Co-Authors Astil Harli Roslan Bintang Darajat Ahmed Ichsanuddin Akbar Sahrul Syahrir