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Pengaruh literasi keuangan, inklusi keuangan, dan literasi digital terhadap kinerja keuangan UMKM di kota Banjarmasin Nashoha, Muhammad Rizalun; Rasyid, Muhammad Zakiyyul Fuad; Awwal, Muhammad Al Faridho
UPAJIWA DEWANTARA : Jurnal Ekonomi, Bisnis dan Manajemen Daulat Rakyat Vol 9 No 1 (2025): UPAJIWA DEWANTARA: JURNAL EKONOMI, BISNIS, DAN MANAJEMEN DAULAT RAKYAT
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/mmud.v9i1.20104

Abstract

This study aims to analyze the influence of financial literacy, financial inclusion, and digital literacy on the financial performance of Micro, Small, and Medium Enterprises (MSMEs) in Banjarmasin City. MSMEs play a vital role in supporting the regional economy; however, they continue to face challenges in financial management and technological adaptation. Improving financial literacy and access to financial and digital resources is believed to be a crucial factor in promoting the growth and sustainability of MSMEs. This research employs a quantitative approach using a survey method. The population consists of all MSME actors operating in Banjarmasin City. A total of 70 respondents were selected through purposive sampling. After undergoing validity and reliability testing, primary data were collected using a structured questionnaire and distributed to MSME owners or managers. Data analysis was conducted using descriptive statistics and multiple linear regression with SmartPLS 4 software. The results indicate that financial literacy, financial inclusion, and digital literacy significantly contribute to the financial performance of MSMEs, both simultaneously and partially, thereby supporting the theoretical framework of the Resource-Based View (RBV).
THE EFFECT OF CORONA PANDEMIC, MINE COMMODITY PRICES AND RUPIAH EXCHANGE RATE ON INDONESIAN SHARIA SHARE PRICES IN THE MINING SECTOR 2020 Awwal, Muhammad Al Faridho; Afandi, Mukhamad Yazid
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 7 No. 2 (2021): JULY-DECEMBER 2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v7i2.29838

Abstract

This study aims to analyze the effect of the corona pandemic, mining commodity prices and the rupiah exchange rate on Indonesian Islamic Share Prices/Indeks Saham Syariah Indonesia (ISSI) in the mining sector in 2020. The corona pandemic is represented by daily active cases that occur in Indonesia, the mining commodities used are coal, oil and gold prices world, and the exchange rate of the rupiah against the dollar. The data used is a cross-sectional type with a sample of 32 companies with an observation duration of 195 days during the 2020 period. The results show that simultaneously the independent variables significantly affect the dependent variable and partially the world coal price, world oil price, gold price. The world and the rupiah exchange rate with the exception of corona have a significant effect on mining stock prices at Indonesian Islamic share prices in 2020. This research proves that the Market anomaly theory is proven to occur in 2020 as a result of the corona pandemic, anomaly in commodity prices and exchange rates on the Indonesia Stock Exchange, especially in the Indonesian Islamic share prices mining sector which proves that the market cannot be accurately predicted if it occurs a sentiment strong enough globally to move investors both in terms of selling or buying shares that previously could not be reflected by the company's stock price.