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All Journal IJBE (Integrated Journal of Business and Economics) BAREKENG: Jurnal Ilmu Matematika dan Terapan JURNAL PENDIDIKAN TAMBUSAI YUME : Journal of Management Almana : Jurnal Manajemen dan Bisnis PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Journal of Political Issues Yumary: Jurnal Pengabdian kepada Masyarakat Studi Ilmu Manajemen dan Organisasi Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Jurnal For Management Student (JFMS) Innovative: Journal Of Social Science Research International Journal of Magistravitae Management Journal of Management, Economic, and Financial Benefit: Jurnal Manajemen dan Bisnis
Saputra, Darman
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Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Mathematics Mechanical Engineering Physics Public Health Social Sciences Transportation Other

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Factors Affecting the Financial Performance of MSMES: Financial Literacy, Financial Inclusion, Financial Self-Efficacy, Financial Technology, Credit Granting, and Intellectual Capital Christine, Christine; Zukhri, Nizwan; Saputra, Darman
Almana : Jurnal Manajemen dan Bisnis Vol 8 No 2 (2024): August
Publisher : Bandung: Prodi Manajemen FE Universitas Langlangbuana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36555/almana.v8i2.2602

Abstract

MSMEs are one of the economic icons that have the biggest impact on Indonesia's economic growth, especially when a crisis occurs. MSMEs are able to get through monetary crises such as in 1998 and during the Covid-19 pandemic. MSMEs are independent and have great potential to improve community welfare. This research aims to examine the influence of the variable’s financial literacy, financial inclusion, financial self-efficacy, financial technology, credit granting, and intellectual capital on the financial performance of MSMEs in the Bangka Belitung Islands Province. This research is quantitative research with an associative method using a quantitative approach from primary data through distributing questionnaires. The sampling method was nonprobability sampling with a purposive sampling technique so that 102 MSME actors were obtained. The data analysis technique uses SPSS version 26 software. The research results prove that partial financial inclusion (X2), financial technology (X4), credit granting (X5), and intellectual capital (X6) have a positive and significant effect on the financial performance of MSMEs, while financial literacy (X1) and financial self-efficacy (X3) do not have a positive and significant effect on the financial performance of MSMEs. Simultaneously, the variables financial literacy, financial inclusion, financial self-efficacy, financial technology, credit granting, and intellectual capital have a positive and significant effect on the financial performance of MSMEs in the Bangka Belitung Islands. The R Square value in this research is 0.885, so it is concluded that 88.5% of the variation in the dependent variable can be explained by the independent variable and the remaining 11.5% is influenced by other variables not examined in this research. It is hoped that the research results can become reference material and motivation for MSMEs in improving the financial performance of their businesses.
Improving and Maximizing the Financial Performance of MSMEs: A Case Study on MSMEs in the Bangka Belitung Islands Province Christine, Christine; Zukhri, Nizwan; Saputra, Darman
Journal of Management Economic and Financial Vol. 2 No. 4 (2024): Special Issue
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/jmef.v2i4.46

Abstract

Even in times of financial crisis, MSMEs remain an important economic tool that influence Indonesia's economic growth. MSMEs have the power to raise people's standard of living, particularly in terms of money. The purpose of this study is to investigate how the financial performance of MSMEs in the Bangka Belitung Islands Province is impacted by credit giving, financial inclusion, fintech, and intellectual capital characteristics. This study uses an associative methodology and is quantitative in nature. Purposive sampling procedures were used to obtain 102 MSME actors for the sample. SPSS software version 26 is used to assist with the data analysis technique. The study's findings demonstrate that financial inclusion (X2), fintech (X5), intellectual capital (X6), and partial credit giving (X1) all significantly and favorably impact MSMEs' financial performance. The Bangka Belitung Islands' MSMEs' financial performance is positively and significantly impacted by the concurrent factors of credit granting, financial inclusion, fintech, and intellectual capital. The independent variable accounts for 88.5% of the variation in the dependent variable, with the remaining 11.5% being impacted by factors not examined in this study, according to the R Square value of 0.885 in this investigation.
Pengaruh Perputaran Kas, Perputaran Piutang dan Perputaran Persediaan terhadap Net Profit Margin pada Perusahaan Umum Daerah Air Minum Kabupaten Belitung Timur Imanda, Yurliza; Zukhri, Nizwan; Saputra, Darman
Innovative: Journal Of Social Science Research Vol. 4 No. 4 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i4.13432

Abstract

Penelitian ini bertujuan untuk menganalisis dan menguji pengaruh perputaran kas, perputaran piutang dan perputaran persediaan terhadap net profit margin pada Perusahaan Umum Daerah Air Minum Kabupaten Belitung Timur baik secara parsial maupun simultan. Metode penelitian yang digunakan dalam penelitian ini yaitu metode kuantitatif dengan menggunakan SPSS versi 25, dilengkapi dengan uji statistik deskriptif, uji normalitas, uji multikolinearitas, uji heterokedastisitas, uji autokorelasi, analisis regresi linier berganda, uji koefisien determinasi (R2), uji t parsial dan uji f simultan. Hasil penelitian ini menyatakan bahwa secara parsial perputaran kas berpengaruh posisif dan signifikan terhadap net profit margin, perputaran piutang berpengaruh positif dan signifikan terhadap net profit margin dan perputaran persediaan berpengaruh negatif dan tidak signifikan terhadap net profit margin. Sedangkan secara simultan ketiga variabel independen memiliki pengaruh positif dan signifikan terhadap net profit margin.
Analisis Komparasi Laju Pertumbuhan dan Kontribusi Pajak Daerah terhadap Pendapatan Asli Daerah di Kota Pangkalpinang dan Kabupaten Belitung Mastira, Ovina; Zukhri, Nizwan; Saputra, Darman
Journal of Political Issues Vol 1 No 2 (2020): Journal of Political Issues (August - January)
Publisher : Jurusan Ilmu Politik Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/jpi.v1i2.12

Abstract

Local governments have the authority and obligation to implement regional autonomy more independently to reduce the level of fiscal dependence on the central goverment. One way is to maximize the recepit of PAD, one of which is local tax. The purpose of the study was to analyze the growth rate and contribution of entertainment taxes, hotel taxes and advertisement taxes on PAD in the Bangka Belitung Islands Province. The analysis used in this research is quantitative descriptive analysis, namely by collecting, compiling and calculating data in the form of reports on the realization of financial budgets in the Pangkalpinang City and Belitung Regency by using the ratio of the growth rate and contribution ratio. The results showed that the PAD of Belitung Regency was better than City of Pangkalpinang. The growth rate of entertainment tax in Pangkalpinang City lower than Belitung Regency with both categories unsuccessful, but the contribution given by entertainment tax in Pangkalpinang City is higer than Belitung Regency with the category of both being very lacking. The growth rate and contribution of hotel tax in Pangkalpinang City is lower than Belitung Regency with the category of hotel tax growth rate in Pangkalpinang City unsuccessful while Belitung Regency is less, while the hotel tax contribution is both very lacking. The growth rate and the contribution of advertisement tax in Pangkalpinang City is higer than Belitung Regency with the category of the advertisement tax growth rate, both of them are not successful while the contributions given by advertisement tax are bot very lacking.
Pengelolaan Keuangan Yang Tranparan Dan Akuntabel Bumdes Di Desa Rajik Saputra, Darman; Wibawa, Dian Prihardini; Guspian, Iza; Azelya, Iis
Yumary: Jurnal Pengabdian kepada Masyarakat Vol. 6 No. 2 (2025): Desember
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/yumary.v6i2.5504

Abstract

Purpose: The purpose of this community service activity is to overcome the main problems in the management of Village-Owned Enterprises (BUMDes) in Rajik Village, where most of the managers have limited knowledge and ability in administration and financial reporting. Methodology/approach: The methodology used is participatory training and mentoring, which actively involves all parties. This approach is carried out through material presentations, question and answer sessions, and direct assistance in compiling financial statements of BUMDes in Rajik city. Results/findings: The results of this activity show that well-managed BUMDes can have a positive impact on the village economy. The existence of a well-organized financial system can increase the credibility and sustainability of BUMDes, avoid misuse of funds, and get wider support from the government and the public. Participants showed high enthusiasm and hoped for continuous assistance to improve their financial management. Conclutions: BUMDes have an important role as a driver of the village economy, but their success depends heavily on transparent and accountable financial management. Therefore, continuous technical guidance and training are needed so that BUMDes can continue to develop and provide real benefits to the village community. Limitations: This service is limited to increasing human resource capacity and socializing financial management, without touching the implementation of an integrated accounting system which is still a challenge for BUMDes. Contribution: The main contribution of this service is to increase the understanding of village managers and stakeholders about the best practices of managing BUMDes that are transparent, accountable, and sustainable.
Co-Authors AGUSTINI, AISYAH PUTRI Alvito, Alvito Angraini, Suci Aryansyah, Ary Fakturrachman Azelya, Iis Christine Christine Desy Yuliana Dalimunthe, Desy Yuliana Dian Prihardini Wibawa Gunawan, Vebiola Guspian, Iza Hamsani Hamsani, Hamsani Herman Aldila Imanda, Yurliza Ineu Sulistiana, Ineu Julia Julia Khairiyansyah, Khairiyansyah Kusumah, Echo Perdana Mastira, Ovina Mursyid Hasan Basri Musa, Jacqueline Aprilia Nanang Wahyudin Nizwan Zukhri Noviyanti, Indah Pririzki, Sisilia Jesika Reniati Reniati Sari, Willa Fatika Sumar, Sumar Yasmin Yasmin