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All Journal Management and Economics Journal (MEC-J) Jurnal Abdimas Mahakam ANALISIS - SCIENTIFIC JOURNAL OF ECONOMICS, MANAGEMENT, BUSINESS, AND ACCOUNTING Jurnal Manajemen Agribisnis dan Agroindustri West Science Business and Management Carmin: Journal of Community Service Jurnal Penelitian dan Pengabdian Masyarakat
Wati, Cicik Retno
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Journal : Jurnal Manajemen Agribisnis dan Agroindustri

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Financial Insights and Risk Attitudes: Driving Firm Performance in Malang's Food and Beverage SMEs Fitria; Wati, Cicik Retno; Fadhila, Wildan
Jurnal Manajemen Agribisnis dan Agroindustri Vol. 4 No. 2 (2024): December
Publisher : Politeknik Negeri Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25047/jmaa.v4i2.99

Abstract

This study aims to analyze and understand the relationship between financial knowledge, financial behavior, and firm performance. The study was conducted on 120 food and beverage SMEs in Malang. The sampling technique used was purposive sampling with several criteria. The sample size was determined by multiplying 12 research indicators by 10, following the approach of JR. et al. (2022). The data analysis in this study used SEM-PLS, assisted by the SmartPLS 3.3.3 software. The results indicate that financial behavior and financial risk attitude significantly affect firm performance, while the relationship between financial knowledge and firm performance yielded different results. The testing shows that financial knowledge does not significantly affect firm performance. Furthermore, these findings suggest that the level of financial knowledge among SME actors in Malang does not sufficiently support the improvement of SME firm performance. The low level of financial knowledge also leads SME actors to be more cautious in making financial and business decisions, as they can better assess the extent of business and financial risks they may face. Therefore, further training is needed to enhance the financial knowledge and capabilities of SME actors, particularly in the field of finance.
Financial Savvy Unleashed: The Key Role of Knowledge, Behavior, and Access to Finance in Boosting MSME’sSuccess Wati, Cicik Retno; Bonita, Devi Artha; Putra, Ketut Candra Pangestu; Tarigan, Rallyanta
Jurnal Manajemen Agribisnis dan Agroindustri Vol. 5 No. 1 (2025): June
Publisher : Politeknik Negeri Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25047/jmaa.v5i1.100

Abstract

The issue of Sustainable Development Goals (SDGs) has a direct impact on the increase of a country’s Gross Domestic Product (GDP), particularly in the tourism sector. The growth of Micro, Small, and Medium Enterprises (MSMEs) has become a key factor in the success of this increase. However, capital constraints remain a challenge in unlocking the potential of MSMEs. Many MSME business owners are still not bankable and lack confidence in accessing capital. The purpose of this study is to examine the relationship between financial knowledge, financial behavior, access to finance, and firm performance among MSME owners in the thematic villages of Malang City. Using an explanatory research approach, the data collected were analyzed through SEM-PLS. The findings show that financial knowledge and financial behavior havea significant effect on firm performance, while access to finance does not influence firm performance.
Co-Authors Al Ayyubi, Waridad Umais Atim Djazuli Barinta, Dunga Dwi Bonita, Devi Artha Christin Susilowati Fadhila, Wildan Fitria Kurniasari, Irma Kusuma Ratnawati Nurmasari, Nuraini Desty Putra, Ketut Candra Pangestu Sholihah, Elis Rahmawati Mar’atus Siti Aisjah Tarigan, Rallyanta Wahdiyat Moko Yanuan, Mohammad Edwinsyah