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

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The Effect of Cash Flow Management and Digital Technology on the Business Sustainability of SMEs in Malang City Krista Dewita Pantur; Risnaningsih Risnaningsih; Sri Indah
International Journal of Management and Business Vol. 3 No. 4 (2026): October
Publisher : International Research & Development for Human Beings (IRDH)

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Abstract

Cash flow management and digital technology are important factors in supporting business sustainability, especially for Small and Medium Enterprises (SMEs). Proper cash flow management helps maintain financial stability, while the utilization of digital technology can improve operational efficiency and expand market reach. This study aims to determine the effect of cash flow management and digital technology on the sustainability of SMEs in Malang City, both partially and simultaneously. This research uses a quantitative method with Slovin’s formula. The sample in this study consists of 54 SME actors in Malang City. Data collection techniques were conducted through questionnaires and surveys. The data analysis method used is multiple linear regression with the help of SPSS software. The results show that partially, cash flow management has a significant effect on SME sustainability with a t-value of 8.490 > t-table 2.008 and a significance value of 0.000. Digital technology also has a significant effect on SME sustainability with a t-value of 2.097 > t-table 2.008 and a significance value of 0.043. Simultaneously, cash flow management and digital technology have a significant effect on SME sustainability with an F-value of 37.560 > F-table 3.179 and a significance value of 0.000. The coefficient of determination (R²) is 0.596, indicating that cash flow management and digital technology explain 59.6% of the variation in SME sustainability, while the remaining 40.4% is influenced by other factors outside this study. These findings indicate that effective cash flow management and optimal use of digital technology can enhance the sustainability of SMEs in Malang City.
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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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 Constantia Aryani Jebaru Krista Dewita Pantur Sri Indah Yayuk Sulistyowati