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THE INFLUENCE OF FINANCIAL TECHNOLOGY (FINTECH) USAGE, FINANCIAL LITERACY, SAVING HABITS, AND CAPITAL STRUCTURE ON THE FINANCIAL CAPABILITY OF MSMES IN TANGERANG REGENCY Nor Fatah Ulinnuha; Abu Naim; Sapriyadi; Andika Mugi Gumilang; Ervina Yennie Permananingrum; Mardi
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 4 No. 10 (2025): SEPTEMBER
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijset.v5i1.1408

Abstract

MSMEs in Tangerang Regency deal with a number of financial management issues, such as low financial literacy, poor saving practices, an uneven capital structure, and inefficient use of financial technology (Fintech). These circumstances affect MSMEs' limited ability to manage cash flow, secure capital, and sustain firm stability. This study aims to quantitatively analyse the influence of Fintech usage, financial literacy, saving habits, and capital structure on the financial capability of MSMEs in Tangerang Regency. The research method uses an associative approach with multiple regression analysis techniques applied to 200 MSME respondents selected through purposive sampling. The research instrument is a Likert scale that is evaluated using validity and reliability tests, while data analysis is carried out using SPSS using classical assumptions, t, and F tests. The study's findings indicate that the following variables—Fintech, financial literacy, kebiasaan menabung, and modal structure—have a positive and significant impact on UMKM's financial capabilities, both in a parallel and parallel manner. The Adjusted R-Squared value of 0.612 indicates that 61.2% of the financial variability can be explained by the developed model. This study highlights the importance of financial education, effective financial management, and the use of financial technology to increase UMKM's financial capabilities in the digital age. It is anticipated that this will serve as a catalyst for government agencies, financial institutions, and Fintech companies to develop more effective UMKM strategies
THE INFLUENCE OF INVENTORY MANAGEMENT, PRODUCTION LEAD TIME, AND RAW MATERIAL QUALITY ON COMPANY OPERATIONAL PERFORMANCE Abu Naim; Nirfison; Abdul Rouf; Eko Hadi Sucipto; Mardi
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 4 No. 12 (2025): NOVEMBER
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

In the era of increasingly intense business competition, companies are required to achieve superior operational performance in order to survive and remain competitive. Operational performance reflects a company’s ability to manage resources effectively to produce goods with high quality, timely delivery, and optimal cost. Several key factors that influence operational performance include inventory management, production lead time, and raw material quality. Poor inventory management can lead to excess stock, increased storage costs, or shortages of raw materials that disrupt production. Long production lead times may cause delivery delays, higher operational costs, and reduced customer satisfaction. In addition, low-quality raw materials can increase defect rates, rework, and waste, thereby reducing operational efficiency. This study aims to analyze the effect of inventory management, production lead time, and raw material quality on company operational performance using a quantitative approach. The research employs a causal associative design to examine the cause-and-effect relationships between the independent variables—inventory management (X1), production lead time (X2), and raw material quality (X3)—and the dependent variable, operational performance (Y). The population consists of employees directly involved in operational activities, including production, warehouse, and quality control departments. Data were collected through questionnaires using a five-point Likert scale and analyzed using SPSS software. Prior to hypothesis testing, validity and reliability tests as well as classical assumption tests (normality, multicollinearity, and heteroscedasticity) were conducted to ensure that the regression model met the BLUE criteria. Multiple linear regression analysis was used to test both partial and simultaneous effects. The results indicate that inventory management and raw material quality have a positive and significant effect on operational performance, while production lead time has a negative and significant effect. Simultaneously, the three variables significantly influence operational performance, with a coefficient of determination of 0.612. These findings suggest that companies should manage inventory effectively, shorten production lead times, and maintain high raw material quality to enhance operational performance. The study provides practical insights for management and serves as a reference for future research in operations management.
THE INFLUENCE OF PRODUCTION PLANNING, INVENTORY CONTROL, PRODUCT QUALITY, AND COST EFFICIENCY ON THE OPERATIONAL PERFORMANCE OF MANUFACTURING COMPANIES Maman Supriatman; Abu Naim; Agus Hermawan; Sapriyadi; Mardi
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 3 (2026): FEBRUARY
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.18958430

Abstract

The manufacturing sector faces increasing pressure due to rising production costs, fluctuating demand, and intense global competition, forcing companies to improve operational performance to remain competitive and sustainable. Many manufacturing firms still experience inaccurate production planning, imbalanced inventory levels, inconsistent product quality, and inefficient cost management, resulting in delivery delays, high holding costs, product returns, and declining profitability. This study aims to analyze the influence of production planning, inventory control, product quality, and cost efficiency on the operational performance of manufacturing companies. A quantitative explanatory approach was employed using primary data collected from 200 managers and operational staff through structured questionnaires. The data were analyzed using Structural Equation Modeling (SEM) with AMOS to examine both simultaneous and partial effects. The results indicate that the research model demonstrates good goodness-of-fit and that all four variables have positive and significant effects on operational performance. Product quality shows the strongest influence, followed by production planning, cost efficiency, and inventory control. Together, these factors explain 72% of the variance in operational performance. The findings emphasize that integrating effective planning, inventory management, quality assurance, and cost control is essential for improving productivity, efficiency, competitiveness, and long-term sustainability in manufacturing organizations.
Co-Authors A. Rizky Ramaditya Amali Abdul Hamid Abdul Rahman Abdul Rouf Abu Naim Achmad Fauzi Adisty, Fairuznissa Pelita Aditya Pratama Aditya, Ilham Agus Hermawan Ahmad Tantoni Amrullah Andika Mugi Gumilang Anggraeni, Silvia Arvina Anggreani, Raden Andini Anlinia, Neiska Anwar, Febby Chaerisah Aprian, Farhan Habib Ardiansyah, Muklas Nur Armeliza, Diah Armi Damai Setiawan Asriadi Ati Sumiati ATI SUMIATI, ATI Baiq Yulia Fitriyani Bintang Saputra Corry Yohana Della Rosalynna Stiadi Desy Kurniawati Dewi Susita Dewi, Anisa Kurnia Dwi Handarini Dwi Handarini, Dwi Dwi Kismayanti Respati Eka Lidia Riska Eko Hadi Sucipto El Badry, Aminatud Dawa'a Ervina Yennie Permananingrum Fadila Suryani Fauzi , Ahmad Gandi, Muhammad Rajib Gatot Nazir Ahmad Haikal Marif Handayani, Nur Ayu Hani Dahlia Hapzi Ali Hastuti Herman Hikmah, Umi Nurul I Gusti Ketut Agung Ulupui Isnaini, Zahrofa Dinillah Isnawati, Maulida Kaafah, Najwa Silmi Karlau, Sensius Amon Khairul Imtihan Kiki Haerani Koen Hendrawan Maman Supriatman Marsellisa Nindito Muhamad Rodi Muhammad Fauzi Zulkarnaen Muhammad Fawaiq Muhammad Sadat, Andi Muliasari, Indah Nirfison Nita Sari, Nita Nor Fatah Ulinnuha Nor Lailla Nuramalia Hasanah Pinkan, Friska Nabilla Punagi, Mirza Putri Ana, Aziza Putri, Nanda Eka Rachmadania, Riski Firdausi Rahayu Ningsih, Siti Rahayu Ningsih, Sri Rahmat Hidayat Ramadhanti, Tiara Zulfina Rante Tasak, Edie Rara Bahri, Rayhani Ratumbuisang, Laura Walanda Regina Pakpahan Respati, Dwi Kismayanti Rida Prihatni Rina Herlina Roni Faslah sahli Santi Susanti, Santi Sapriyadi, Wandi SAPUTRI, ANGGUN Sari, Ratmelia Septiani, Ane Tri Setyo Ferry Wibowo Shidiq, Muhammad Sri Indah Nikensari Sri Zulaihati Sri Zulaihati, Sri Sukma, Novianny Sukron Makmun SUSAN FEBRIANTINA, SUSAN Susi Indriani Sutjiptadi, Muhammad Mustaqim Tantular, Aulia Putri Tresnawati, Mei Ulupui, I.G.K.A Unggul Purwohedi Wahiddah Putri Yusfah Widya Parimita, Widya Wire Bagye Wire Bagye, Wire Bagye Wulandari, Arista Yunika Murdayanti, Yunika