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All Journal JAM : Jurnal Aplikasi Manajemen Jurnal Pengabdian Kepada Masyarakat (Indonesian Journal of Community Engagement) Jurnal Riset Manajemen dan Bisnis (JRMB) Fakultas Ekonomi UNIAT Jurnal Ekonomi Pembangunan STIE Muhammadiyah Palopo Equilibrium: Jurnal Ilmiah Ekonomi, Manajemen dan Akuntansi Syntax Literate: Jurnal Ilmiah Indonesia Dinamisia: Jurnal Pengabdian Kepada Masyarakat Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Jurnal Manajemen Strategi dan Aplikasi Bisnis EKUITAS (Jurnal Ekonomi dan Keuangan) Jurnal Abdimas PHB : Jurnal Pengabdian Masyarakat Progresif Humanis Brainstorming EAJ (ECONOMICS AND ACCOUNTING JOURNAL) ACCOUNTHIK : Journal of Accounting and Finance International Journal of Business Studies JIEB : Jurnal Ilmiah Ekonomi Bisnis Riset: Jurnal Aplikasi Ekonomi Akuntansi dan Bisnis Yumary: Jurnal Pengabdian kepada Masyarakat Lumbung Inovasi: Jurnal Pengabdian Kepada Masyarakat ABDI MOESTOPO: Jurnal Pengabdian pada Masyarakat Journal of Sustainable Community Development (JSCD) Studi Ilmu Manajemen dan Organisasi Shafin: Sharia Finance and Accounting Journal International Journal of Social Service and Research Jurnal Manajemen Dan Bisnis Jurnal Akuntansi dan Keuangan Aptekmas : Jurnal Pengabdian Kepada Masyarakat Jurnal Ekonomika dan Manajemen Jurnal Manajemen dan Perbankan (JUMPA) AKUNSIKA: Jurnal Akuntansi dan Keuangan JAMAIKA: Jurnal Abdi Masyarakat Profit: Jurnal Manajemen, Bisnis dan Akuntansi Journal of Management and Social Sciences Jurnal Pendidikan dan Pengabdian Masyarakat Journal of Economics, Entrepreneurship, Management Business and Accounting Jurnal bintang manajemen Jurnal Nusantara Mengabdi Jurnal Riset Manajemen Lokawati: Jurnal Penelitian Manajemen dan Inovasi Riset Jurnal Akuntansi, Keuangan, Perpajakan dan Tata Kelola Perusahaan Jurnal Ekonomi Bisnis Manajemen dan Akuntansi (Jebisma) Menawan : Jurnal Riset dan Publikasi Ilmu Ekonomi JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Jurnal Inovasi Manajemen, Kewirausahaan, Bisnis dan Digital JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Jurnal Manajemen Kewirausahaan dan Teknologi Pajak dan Manajemen Keuangan Global Leadership Organizational Research in Management Indonesian Journal of Emerging Trends in Community Empowerment
Retno Fuji Oktaviani
Universitas Budi Luhur
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FROM SURVIVAL TO SUSTAINABILITY: FINANCIAL PERFORMANCE AND LITERACY EFFECTS IN INDONESIAN SMALL AND MEDIUM-SIZED ENTERPRISES Retno Fuji Oktaviani; Rachmat Arief; Hakam Ali Niazi
EKUITAS (Jurnal Ekonomi dan Keuangan) Vol 9 No 4 (2025): December
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya(STIESIA) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24034/j25485024.y2025.v9.i4.7454

Abstract

Tanah Abang Market is the largest fashion hub in Southeast Asia. It faces significant challenges in maintaining business sustainability, particularly for Small and Medium-Sized Enterprises (SMEs) that have experienced severe revenue declines in the post-pandemic era. This study aims to examine the influence of entrepreneurial orientation and risk-taking on business sustainability in Indonesia, with financial performance as a mediating variable and financial literacy as a moderating variable. Therefore, a quantitative approach was employed, using survey data collected from 217 fashion traders, determined using Cochran’s formula. Its data were obtained using a Likert-scale questionnaire (1–5) and analyzed with Structural Equation Modeling–Partial Least Squares (SEM-PLS). Furthermore, the findings reveal that entrepreneurial orientation and risk-taking have a significant positive effect on financial performance. Then, the entrepreneurial orientation does not directly affect business sustainability. In contrast, risk-taking directly affects business sustainability. While financial performance plays a crucial mediating role in both relationships, financial literacy significantly strengthens the effect of financial performance on business sustainability. A key novelty of this study is the finding that Tanah Abang traders tend to emphasize survival rather than long-term sustainability strategies.
Analisis Pengaruh Social Distancing, Work from Home dan Aplikasi Video Call terhadap Produktivitas Organisasi: Studi Kasus pada Permukiman di DKI Jakarta Dewi Puspaningtyas Faeni; Ratih Puspitaningtyas Faeni; Ravindra Safitra Hidayat; Retno Fuji Oktaviani; Rinny Meidiyustiani
Studi Ilmu Manajemen dan Organisasi Vol 2 No 1 (2021): April
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/simo.v2i1.92

Abstract

Purpose: This research aimed to analyze the influence of Social Distancing, Work from Home and Video Call applications towards Organizational Productivity. Method: This type of research is a quantitative descriptive research. The analysis tool used in this study is SmartPLS 3.0. The population of this study is 9880 people. The samples studied were 130 people using the Simple Random Sampling method. The sampling technique refers to the Slovin formula. The results stated that the analysis of Social Distancing influence, Work From Home and Video Call application (0,052), (0,047) and (0,924). Results: Based on test of R Square, Productivity of the Organization as Endogenous variable affects 98.6% while the remaining 1.4% is influenced by other factors.
Enhancing MSME Performance through Digital Financial Capability and Financial Literacy: A Multi-Group Analysis Based on Experience Retno Fuji Oktaviani; Yesi Puspita Dewi
Journal of Economics, Entrepreneurship, Management Business and Accounting Vol 4 No 5 (2026): Volume 4, Issue 5, September 2026
Publisher : CV. Sakura Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61255/jeemba.v4i5.1875

Abstract

Purpose – This study examines how digital financial capability and financial literacy influence the performance of Micro, Small, and Medium Enterprises (MSMEs), with financial capability serving as a mediating mechanism and business experience capturing heterogeneity across entrepreneurs. Design/methodology/approach – A quantitative survey was conducted among 230 owners and managers of food and beverage MSMEs in South Tangerang. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) and Multi-Group Analysis (MGA) was subsequently employed to compare structural relationships between MSMEs with less than five years and those with five years or more of business experience. Findings/Results – Digital financial capability and financial literacy significantly enhance financial capability, while digital financial capability and financial capability significantly improve MSME performance. Financial literacy has no significant direct effect on MSME performance; however, its effect becomes significant through financial capability, confirming the critical role of practical financial capability in translating financial knowledge into business outcomes Originality/Value – Digital financial capability and financial literacy significantly enhance financial capability, while digital financial capability and financial capability significantly improve MSME performance. Financial literacy has no significant direct effect on MSME performance; however, its effect becomes significant through financial capability, confirming the critical role of practical financial capability in translating financial knowledge into business outcomes.
Co-Authors Adzhari, Putri Akilah, Maysa Alia Aprilia Amir Indrabudiman Anissa Amalia Mulya Anwar, Syaiful  Arif, Fadli Arif, Rachmat Astri Mulyati Chyntia Chantikaruby Dendi Anggi Gumilang Dewi Puspaningtyas Faeni Dewi, Yesi Puspita Elizabeth Elizabeth Endah Sri Wahyuni Endang Supriyanti Fauziyah, Nurul Khansa Fini Rahma Hakam Ali Niazi Hakam Ali Niazi Hayatul Khairul Rahmat Helmi Heni Iswati Heru Nugroho Hidayat, Ravindra Safitra Iftitah Mutiara Sudiro Imelda Imelda, Imelda Indah Rahayu Lestari Ivo Rolanda Laksmiwati, Mia Lestari, Setyani Dwi Medina, Andri Mia Laksmiwati Mia Laksmiwati Muhammad Mifdhol Rahman Mulyani, Rita Nanang Suryadi Nayadi, Armetha Niazi, Hakam Ali Nur Rachmania Prasetya, Rizky Eka Prasetyo, Rio Adit Qodariah Qodariah Qodariah Qodariah, Qodariah Rachmat Arief Ramadhan, Delia Fitri Rani Hairunnisa Rahmawati Ratih Puspaningtias Faeni Ratih Puspitaningtias Faeni Ravindra Safitra Hidayat Revina Zahrani Richter, Ulf Henning Rika Aprianti Rini Amelia, Rini Rinny Mediyustiani Rinny Meidiyustiani Serina Indah Fitriani Setiawati, Suci SRI RAHAYU Sugeng Priyanto Syaiful Anwar Syaiful Anwar Thoha, M. Nuur Farid Vina Lestari Wahyumi Ekawanti Wulandari Wulandari Zavyra Maharani Putri