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All Journal Journal of Economics, Business, & Accountancy Ventura Competence : Journal of Management Studies (Kompetensi : Jurnal Studi Manajemen) Briliant: Jurnal Riset dan Konseptual SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan DIKEMAS (Jurnal Pengabdian Kepada Masyarakat) Jurnal Pendidikan dan Kewirausahaan Enrichment : Journal of Management Jurnal Scientia Buletin Poltanesa Jurnal Pengabdian Pada Masyarakat Jurnal Pengabdian Kepada Masyarakat Asian Journal of Management, Entrepreneurship and Social Science
Ika Rachmawati
Akademi Komunitas Negeri Putra Sang Fajar Blitar
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Digital Financial Innovation as a Strategic Driver of MSMEs’ Financial Performance Rani Arifah Normawati; Eko Esti Santoso; Ika Rachmawati
Poltanesa Vol 27 No 1 (2026): June 2026
Publisher : P3KM Politeknik Pertanian Negeri Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51967/tanesa.v27i1.3637

Abstract

This study explores the impact of Digital Financial Innovation (DFI) on the financial management capabilities and performance of Micro, Small, and Medium Enterprises (MSMEs) in East Java Province. Employing a quantitative approach with Structural Equation Modeling–Partial Least Squares (SEM-PLS), the research investigates how DFI influences four factors of financial management: liquidity planning, lender management, customer management, and financial strategy, and how these factors subsequently affect financial performance. The findings reveal that DFI significantly enhances all four financial management factors, demonstrating its role as a catalyst for modernizing MSMEs’ financial operations. Among these factors, lender management, customer management, and financial strategy exhibit a positive and significant effect on financial performance, highlighting the importance of managing external relationships and leveraging strategic financial planning. In contrast, liquidity planning does not show a direct impact on performance, suggesting that access to digital tools alone is insufficient without strategic application. Notably, financial strategy emerges as the most influential factor, emphasizing that MSMEs benefit most from DFI when they adopt data driven and forward-looking decision-making approaches. Overall, this study positions DFI as a strategic enabler that not only strengthens financial management capabilities but also drives financial performance in the digital economy. The results offer practical insights for MSME managers and policymakers seeking to promote financial innovation as a pathway to long-term business sustainability.
The Effect of Intellectual Capital and Innovative Work Behavior on Business Performance Abu Muna Almaududi Ausat; Anna Widayani; Ika Rachmawati; Nunuk Latifah; Suherlan Suherlan
Journal of Economics, Business, and Accountancy Ventura Vol. 24 No. 3 (2021): December 2021 - March 2022
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v24i3.2809

Abstract

The twenty-first century is a century of knowledge, discovery, and innovation, with rapid advances in science and information technology marking significant developments. The level of competitiveness within organizations is increasing. This truth motivates entrepreneurs to grow in order for their businesses to thrive. The major goal of this research is to examine how intellectual capital and innovative work behavior affect business performance in SMEs. The author then explains the three constructions' conceptual structure. To further understand the relationship between variables, quantitative methods based on Structural Equation Modeling (SEM) and Partial Least Squares (PLS) variance were used. Participants were chosen from SMEs in Yogyakarta, Indonesia, via an online questionnaire. The findings of this research show that intellectual capital and creative work behavior have a positive and significant effect on business performance. SMEs can use intellectual capital to define expected performance and as a tool to evaluate performance to develop employees who will be able to meet the needs of SMEs in the future. Furthermore, it demonstrates that SMEs, not just large corporations, can attain high-performance levels through synchronizing intellectual capital and innovative work behavior.
Co-Authors Abu Muna Almaududi Ausat Adiguna S. W. Utama Adiguna Sasama Wahyu Utama Anna Widayani Anna Widayani Anna Zahrotul Wahidah Eko Esti Santoso Hindra Kurniawan Latifah, Nunuk Normawati, Rani Arifah Rani A. Normawati Rani A. Normawati Shanti Shanti Ike Wardani Shanti Ike Wardani Suherlan Suherlan, Suherlan