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Financial technology adoption on MSMEs sustainability: The mediating role of financial literacy and financial inclusion Safii, Abdul Azis; Anom, Latifah; Murtini, Murtini
JOURNAL OF SOCIOECONOMICS AND DEVELOPMENT Vol 7 No 2 (2024): October
Publisher : Publisher of Widyagama University of Malang (UWG Press)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31328/jsed.v7i2.5258

This research examines how the adoption of financial technology impacts the sustainability of Micro, Small, and Medium Enterprises (MSMEs), emphasizing the intermediary roles of financial literacy and financial inclusion. A random sample of 288 MSME owners was chosen from the 1,020 members participating in the business legality assistance program by the Bojonegoro Regency Cooperative and MSME Service. Out of these, 247 owners fully completed the survey, providing data for the research. Data analysis utilized Structural Equation Modeling-Partial Least Squares (SEM-PLS). The results indicate that although the adoption of financial technology positively influences MSME sustainability, the impact is relatively modest. However, financial literacy and financial inclusion considerably enhance this relationship, with financial literacy exhibiting a stronger mediating effect. These outcomes highlight the importance of specific financial literacy initiatives and better access to financial services to promote the sustainable growth of MSMEs.JEL ClassificationÂ L21; L26; O15

PENGEMBANGAN "ANIS SNACK" MELALUI DIGITAL MARKETING DAN MEDIA SOSIAL Ari Kuntardina; Latifah Anom; Dewi Rochmayanti
Buletin Abdi Masyarakat Vol 5, No 1 (2024): Edisi Agustus 2024
Publisher : Universitas YPPI Rembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47686/bam.v5i1.695

AbstrakProgram pengabdian masyarakat dilaksanakan di Desa Ngradin, Kecamatan Padangan, Kabupaten Bojonegoro. Desa Ngradin memiliki sepuluh Usaha Mikro Kecil Menengah (UMKM). Permasalahan yang dihadapi UMKM adalah kurang memahami cara melakukan promosi melalui media sosial dan digital marketing. Salah satu UMKM tersebut adalah “Anis Snack” yang memproduksi camilan kerupuk. Dengan melakukan branding pada “Ánis Snack” diharapkan konsumen mengenali produknya. Kemudian “Anis Snack” dimotivasi untuk melakukan promosi produk melalui media sosial dan internet. Metode yang dilakukan dalam pendampingan adalah sebagai berikut: 1) Melakukan survey lokasi UMKM; 2) Kunjungan ke UMKM untuk menentukan solusi; 3) Persiapan pelaksanaan kegiatan; 4) Pelaksanaan kegiatan; 5) Monitoring dan evaluasi. Capaian luaran program adalah supaya produk semakin dikenal oleh konsumen serta peningkatan penjualan melalui digital marketing dan media sosial. Kata kunci: Camilan kerupuk, UMKM, branding, digital marketing, media sosial. DEVELOPMENT OF "ANIS SNACK" THROUGH DIGITAL MARKETING AND SOCIAL MEDIAAbstractThe community service program was carried out in Ngradin Village, Padangan District, Bojonegoro Regency. Ngradin Village has ten Micro, Small and Medium Enterprises (UMKM). The problem faced by UMKM is a lack of understanding of how to promote through social media and digital marketing. One of these UMKM is "Anis Snack" which produces cracker snacks. By branding "Ánis Snack", it is hoped that consumers will recognize the products. Then "Anis Snack" is motivated to promote products through social media and the internet. The methods of assistance are as follows: 1) Conducting a survey of UMKM locations; 2) Visits to UMKM and research to determine solutions; 3) Preparation for the implementation of activities; 4) Implementation of activities; 5) Monitoring and evaluation. The output of the program is to make the product more known by consumers and increase sales through digital marketing and social media. Keywords: Cracker snacks, UMKM, branding, digital marketing, social media.

Penerapan Inovasi Manajemen Usaha dan Pemasaran Digital pada Wisata Edukasi dan Produk Gerabah Anom, Latifah; Safii, Abdul Azis; Rahayu, Susilowati; Murtini, Murtini; Alifah, Fatma Nova Dwi
Capacitarea : Jurnal Pengabdian Kepada Masyarakat Vol 4 No 3 (2024): September - Desember
Publisher : Universitas Pancasila

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35814/capacitarea.2024.004.03.12

Program pengabdian kepada masyarakat ini bertujuan untuk meningkatkan kapasitas manajemen usaha dan pemasaran digital pada para pengrajin gerabah serta pengelola wisata edukasi di Desa Rendeng, Kecamatan Malo, Kabupaten Bojonegoro. Melalui penerapan inovasi manajemen usaha dan strategi pemasaran berbasis digital, program ini diharapkan dapat membantu pelaku usaha lokal dalam mengoptimalkan potensi pasar melaalui inovasi produk gerabah dengan desain tokoh kartun. Metode yang digunakan mencakup pelatihan manajemen usaha, pemasaran digital, pelatihan inovasi produk gerabah bertema tokoh kartun dan anime, serta pendampingan, dan evaluasi berkelanjutan. Hasil dari kegiatan ini menunjukkan adanya peningkatan pemahaman dan penerapan manajemen keuangan, pengelolaan usaha, serta kemampuan memasarkan produk melalui platform digital seperti media sosial dan marketplace. Meskipun ada tantangan dalam hal adaptasi teknologi, upaya ini telah membantu meningkatkan daya saing produk gerabah dan memperluas jangkauan pasar. Program ini memberikan dampak positif terhadap pertumbuhan usaha lokal serta mendorong keberlanjutan dalam inovasi pemasaran digital dan manajemen usaha yang lebih efektif.

ANALISIS PELAYANAN BERBASIS DIGITAL CEDAK MAS Anom, Latifah; Kuntardina, Ari; Adiputra, Eka; Hidayatin, Dina Alafi; Rochmayanti, Dewi; Arlina, Ima Yuni
BBM (Buletin Bisnis & Manajemen) Vol 11, No 1 (2025): Vol. 11 No. 1
Publisher : Universitas YPPI Rembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47686/bbm.v11i1.723

AbstrakMunculnya pelayanan berbasis Digital Cedak Mas (Cepat Dekat Masyarakat) berawal dari banyaknya keluhan masyarakat tentang pelayanan terpusat di Dukcapil Kabupaten Tuban. Keluhan yang muncul mengenai jarak yang relatif jauh dan biaya transportasi pada saat pengurusan administrasi pada Dukcapil. Penelitian ini penelitian kualitatif, bertujuan mengetahui proses dan dampak dari Pelayanan berbasis digital pada Dukcapil Kabupaten Tuban. Informan dipilih secara purposive sampling. Pengumpulan data dengan observasi, wawancara dan dokumentasi. Alur tahapan analisis data meliputi reduksi data, penyajian data, dan penarikan kesimpulan atau verifikasi. Validitas data akan menggunakan triangulasi sumber data. Hasil analisis menunjukkan pelaksanaan Cedak Mas mendekatkan tempat pelayanan kepada masyarakat. Penerapan proses pelayanan sudah sesuai dengan Standar Operasional Prosedur. Dampaknya, Pelayanan Dukcapil menjadi lebih dekat dengan masyarakat. Pelayanan ini merupakan pelayanan berbasis digital dengan memanfaatkan teknologi yang kedepannya bisa lebih diperhatikan dan ditingkatkan lagi sarana dan pasarana pendukung dari pelayanan berbasis digital Cedak Mas untuk menunjang pelayanan lebih baik. Kata Kunci : Pelayanan Digital; Cedak Mas; Dukcapil. ANALYSIS OF DIGITAL-BASED SERVICES CEDAK MASAbstrackThe emergence of ‘Cedak Mas’ Digital-based services began with many public complaints about centralized services at the Tuban Regency Population and Civil Registration Office (Dukcapil). Complaints that arise regarding the relatively long distance and transportation costs during administrative management at the Dukcapil. This research is qualitative research, aimed at determining the process and impact of digital-based services on the Tuban Regency Population and Civil Registration office. Sample was selected by purposive sampling. Data collection techniques using Observation, Interviews and Documentation. While the Data Analysis Technique uses the flow of stages of data reduction, data presentation, and conclusion. The validity of the data will use triangulation of the data source. The results of the analysis show that the implementation of ‘Cedak Mas’ brings the place of service closer to the community. The service process in application is in accordance with Standard Operating Procedures. As a result, the Dukcapil services becomes closer to the community. This service is a digital-based service by utilizing technology that in the future can be more considered and improved.Keywords : Digital Services; Cedak Mas; Dukcapil

Faktor-Faktor Yang Mempengaruhi Ketepatan Penyampaian Laporan Keuangan Perusahaan Publik di Indonesia: Kajian Systematic Literature Anom, Latifah; Ridawati, Yeti
Jurnal Manajemen dan Penelitian Akuntansi (JUMPA) Vol 17 No 2 (2024): Juli - Desember
Publisher : Sekolah Tinggi Ilmu Ekonomi Cendekia Bojonegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58431/jumpa.v17i2.297

Laporan keuangan yang baik dan disampaikan secara tepat waktu dapat meningkatkan kepercayaan pihak ketiga untuk menjalin hubungan kerjasama. Tujuan dari systematic literature riview adalah untuk mengetahui faktor-faktor yang mempengaruhi ketepatan waktu penyampaian laporan keuangan perusahaan publik di Indonesia. Data penelitian didapat dari Google Scholar tahun 2019-2024 berdasarkan pencarian awal ditemukan sebanyak 20 artikel dan hanya 15 jurnal yang digunakan sebagai sumber data dan akan dianalisis lebih lanjut. Kajian ini hanya menggunakan penelitian dengan pendekatan kuantitatif saja, karena pendekatan ini memberikan hasil yang mudah dipahami. Hasil studi ini menyatakan bahwa faktor internal yang bisa mempengaruhi ketepatan penyampaian laporan keuangan sangat beragam yaitu profitabilitas, likuiditas, laverage, ukuran perusahaan, resiko keuangan, total assets, umur perusahaan, dan struktur kepemilikan. Sedangkan faktor internal yang bisa mempengaruhi ketepatan penyampaian laporan keuangan yaitu opini auditor, reputasi KAP, kualitas auditor, Good Corporate Governance (GCG), dan eksternal ownership.

Rasio Profitabilitas Sebagai Anteseden Harga Saham Anom, Latifah; Dewi, Vera Sintya; Suberi, Moch.
Jurnal Manajemen dan Penelitian Akuntansi (JUMPA) Vol 18 No 1 (2025): Januari - Juni
Publisher : Sekolah Tinggi Ilmu Ekonomi Cendekia Bojonegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58431/jumpa.v18i1.310

Penelitian ini dilakukan untuk mengetahui ada tidaknya pengaruh rasio-rasio profitabilitas yaitu Return On Asset (ROA), Return On Equity (ROE), Gross Profit Margin (GPM), dan Net Profit Margin (NPM) terhadap harga saham secara pada perusahaan Food and Beverage yang terdaftar di Bursa Efek Indonesia. Hasil Signifikan parsial (uji t) menunjukkan bahwa Return On Asset (ROA) dan Gross Profit Margin (GPM) berpengaruh terhadap harga saham, sedangkan Return On Equity (ROE) dan Net Profit Margin (NPM) tidak berpengaruh terhadap harga saham dimana tingkat signifikansinya lebih dari 0,05. Hasil uji determinasi menunjukkan bahwa secara simultan variabel Return On Asset (ROA), Return On Equity (ROE), Gross Profit Margin (GPM), dan Net Profit Margin (NPM) mempunyai kontribusi tinggi terhadap harga saham.

Penerapan Inovasi Manajemen Usaha dan Pemasaran Digital pada Wisata Edukasi dan Produk Gerabah Anom, Latifah; Safii, Abdul Azis; Rahayu, Susilowati; Murtini, Murtini; Alifah, Fatma Nova Dwi
Capacitarea : Jurnal Pengabdian Kepada Masyarakat Vol. 4 No. 3 (2024): September - Desember
Publisher : Universitas Pancasila

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35814/capacitarea.2024.004.03.12

Program pengabdian kepada masyarakat ini bertujuan untuk meningkatkan kapasitas manajemen usaha dan pemasaran digital pada para pengrajin gerabah serta pengelola wisata edukasi di Desa Rendeng, Kecamatan Malo, Kabupaten Bojonegoro. Melalui penerapan inovasi manajemen usaha dan strategi pemasaran berbasis digital, program ini diharapkan dapat membantu pelaku usaha lokal dalam mengoptimalkan potensi pasar melaalui inovasi produk gerabah dengan desain tokoh kartun. Metode yang digunakan mencakup pelatihan manajemen usaha, pemasaran digital, pelatihan inovasi produk gerabah bertema tokoh kartun dan anime, serta pendampingan, dan evaluasi berkelanjutan. Hasil dari kegiatan ini menunjukkan adanya peningkatan pemahaman dan penerapan manajemen keuangan, pengelolaan usaha, serta kemampuan memasarkan produk melalui platform digital seperti media sosial dan marketplace. Meskipun ada tantangan dalam hal adaptasi teknologi, upaya ini telah membantu meningkatkan daya saing produk gerabah dan memperluas jangkauan pasar. Program ini memberikan dampak positif terhadap pertumbuhan usaha lokal serta mendorong keberlanjutan dalam inovasi pemasaran digital dan manajemen usaha yang lebih efektif.

Penguatan Usaha Bumdes Melalui Pelatihan Dasar Dan Pendampingan Penyusunan Laporan Keuangan: Penguatan Usaha Bumdes Melalui Pelatihan Dasar Dan Pendampingan Penyusunan Laporan Keuangan Hidayatin, Dina Alafi; Prasaja, Mukti; Anom, Latifah; Mazidah, Nurul
Prosiding Seminar Nasional Manajemen, Ekonomi dan Akuntansi Vol. 6 No. 1 (2021): PROSIDING SEMINAR NASIONAL MANAJEMEN, EKONOMI DAN AKUNTANSI 2021
Publisher : Universitas Nusantara PGRI Kediri

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

The government continues to make efforts to increase village development. This is evidenced by the implementation of one of the programs in the form of the establishment of Village-Owned Enterprises (BUMDes). BUMDes was established based on the principles that characterize this business unit. These principles is such as cooperative, balance, tranparansi and accounting. These principles must be implemented in financial management carried out by BUMDes. One of them happened at BUMDes in Bogo Village. This village has the uniqueness as a tourist village, namely kelor village. In the village, BUMDes is also established, Unit Dagang and Kelompok Wanita Tani (KWT) which has made financial statements. Through the qualitative approach used by the researcher and interviewing some of the information in this study, the results are obtained if in terms of transparency, the financial reports that have been prepared in each period have met transparency. This is evidenced by the financial statements that have been prepared and have been informed to the Village Head and local village officials. However, on the other hand, the financial statements they did are not comply with the standards that have been put in place by the Government. Therefore, the need to adjust the financial statements of BUMDes in Bogo Village to the standards set by the Government and the encouragement of cooperation conducted by bogo village with related agencies for the performance of BUMDes is getting better.

Exploring The Relationship Between Entrepreneurial Networking, Entrepreneur Leadership, Innovation capability, and MSMEs Performance Murtini Murtini; Abdul Azis Safii; Latifah Anom
Innovation Business Management and Accounting Journal Vol. 3 No. 1 (2024): January - March
Publisher : Trescode Green Organization

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56070/ibmaj.2024.005

This research aims to determine the role of entrepreneurial networks, entrepreneur leadership, on innovation capabilities and MSME performance. The sampling technique used purposive sampling, obtaining a total of 247 samples of MSME owners in the culinary sector in Bojonegoro City. Research data was analyzed using SEM techniques with AMOS software. The research results show that entrepreneurial networking has a positive effect on the innovation ability and performance of MSMEs. Meanwhile, entrepreneurial leadership has no effect on the innovation ability of MSMEs, but has a positive influence on MSME performance. The implications of this research are that the development of entrepreneurial networks can be a crucial factor in enhancing innovation capabilities and performance for Micro, Small, and Medium Enterprises (MSMEs) owners in the culinary sector in Bojonegoro City. Additionally, entrepreneurial leadership also plays a significant role in improving the performance of MSMEs, even though it does not have a direct influence on innovation capability. Therefore, in the effort to enhance the performance of MSMEs in the culinary sector, MSME owners should consider expanding their entrepreneurial networks and strengthening entrepreneurial leadership.

Exploring Gastronomic Value in Increasing the Competitive Advantage of Traditional Restaurants Murtini; Hafidza Nash’ul Amrina; Abdul Azis Safii; Latifah Anom
ABM: International Journal of Administration, Business and Management Vol 8 No 1 (2025): June 2025 - November 2025
Publisher : LPPM Institut Teknologi dan Sains Mandala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31967/abm.v8i1.1694

This study aims to identify the factors influencing the formation of gastronomic value and how these factors can create a competitive advantage for traditional restaurants. In the culinary context, gastronomic value encompasses the quality of ingredients, menu innovation, restaurant atmosphere, sensory experience, and sense of place, which serve to differentiate restaurants in an increasingly competitive culinary market. This study uses a descriptive approach and case studies with three traditional restaurants as subjects: Warung Kopi Klotok in Yogyakarta, RM Pawon Sego Lego in Mojokerto, and Warung Rempah in Batu. Data was obtained through semi-structured interviews with owners, managers, and customers, and analysed using QSR-NVivo software. The results indicate that factors such as the use of high-quality local ingredients, an atmosphere that reflects local culture, and sensory experiences play a crucial role in building gastronomic value. Furthermore, restaurants that create a strong sense of place, combining authentic cuisine and a supportive atmosphere, can strengthen their competitiveness in the culinary market.

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