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All Journal IRDH International Journal of Social Sciences & Humanities (IRDH IJSCH)
Yayuk Sulistyowati
Accounting, Faculty of Economics, University of Tribhuwana Tunggadewi, Malang, Indonesia
Humanities Social Sciences

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The Effect of Education Level, Business Scale, Business Duration, and Business Turnover on the Financial Performance of MSMEs in Malang City Jefrianus Petrus Ibar; Agnes Quartina Pudjiastuti; Yayuk Sulistyowati
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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Abstract

This study aims to examine and analyze the influence of education level, business scale, length of business, and business turnover on the financial performance of Micro, Small, and Medium Enterprises (MSMEs) in Malang City. Poor financial performance in the MSME sector is often attributed to the limited competency of the owners and the operational characteristics of the businesses. The research method used was a quantitative survey approach. The population in this study was MSMEs in Malang City, with a sampling technique used to obtain a sufficient number of respondents. Data collection was conducted through questionnaire interviews that had been tested for validity and reliability. The data analysis technique used was multiple linear regression analysis using SPSS software. The results showed that simultaneously, education level, business scale, length of business, and business turnover significantly influenced the financial performance of MSMEs in Malang City. Partially, the variables had a positive and significant effect on financial performance. This indicates that the higher the education level of the owner and the greater the turnover generated, the better the financial performance management tends to be. However, the variables did not show a significant effect in this study.
The Effect of QRIS (Quick Response Code Indonesian Standard) Usage on Profit Growth in Small and Medium Enterprises (SMEs) in Malang City Constantia Aryani Jebaru; Risnaningsih Risnaningsih; Yayuk Sulistyowati
IRDH International Journal of Social Sciences & Humanities Vol. 3 No. 3 (2026): October
Publisher : International Research and Development for Human Beings (IRDH)

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Abstract

The development of digital technology has brought significant changes to financial transaction systems, particularly in the Small and Medium Enterprises (SMEs) sector. Digital transformation is encouraging businesses to adapt to cashless payment systems to improve operational efficiency and competitiveness. However, not all SMEs have optimally adopted QRIS. Some still face obstacles in using the technology, such as limited digital literacy and a lack of understanding of QRIS's benefits. This study aims to analyze the effect of the use of the Quick Response Code Indonesian Standard (QRIS) on profit increase in Small and Medium Enterprises (SMEs) in Malang City. This research uses a quantitative approach with a survey method through the distribution of questionnaires to 100 respondents selected using a simple random sampling technique. Data analysis was carried out using simple linear regression. The results show that the use of QRIS has a positive and significant effect on profit increase, with a significance value of 0.000 < 0.05 and a coefficient of determination of 48.5%. This indicates that the use of QRIS contributes to improving the financial performance of SMEs, particularly in increasing profits.
Co-Authors Agnes Quartina Pudjiastuti Constantia Aryani Jebaru Jefrianus Petrus Ibar Risnaningsih Risnaningsih