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All Journal INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen JAS (Jurnal Akuntansi Syariah)
Marsudiana, I Dewa Nyoman
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Economics, Econometrics & Finance

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Financial Literacy Can Overcome Barriers To MSME Financing: Evidence From Indonesia Suidarma, I Made; Widiantari, Komang Sri; Masno, Masno; Sukarnasih, Desak Made; Armanid, Aura; Marsudiana, I Dewa Nyoman
JAS (Jurnal Akuntansi Syariah) Vol 8 No 2 (2024): JAS (Jurnal Akuntansi Syariah) - December
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jas.v8i2.2050

Abstract

This study aims to analyze the influence of financial literacy, debt management literacy, budgeting literacy, banking service literacy, and bookkeeping literacy on financing constraints for Micro, Small, and Medium Enterprises (MSMEs). The research population comprises 16,574 MSMEs in Badung Regency, Bali, Indonesia. This study uses primary data from questionnaires distributed via social media using Google Forms to respondents according to the criteria. The data collection technique used a questionnaire consisting of respondents' identities and six points related to financial literacy, measured by a 5-point Likert scale. Sampling used random sampling; the number of samples was measured using the Yamane formula approach to obtain a sample of 391 MSMEs. The data analysis method uses SEM-PLS, with the help of the SmartPLS tool, to test external models, internal models, and hypotheses. The study results revealed that financial literacy, debt management literacy, budgeting literacy, banking service literacy, and bookkeeping literacy positively influence financial constraints in MSMEs. A better understanding of debt management and bookkeeping also reduces financial constraints. This research expands the financial management theory by integrating five dimensions of financial literacy in one comprehensive model, which helps MSMEs improve financial literacy and reduce barriers to access to financing for sustainable business growth.
Capital structure and company growth to profitability and value of manufacturing companies Sanica, I Gede; Suidarma, I Made; Sumantri, I. GA. Alit; Ayu, Putu Cita; Marsudiana, I Dewa Nyoman
INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen Vol. 19 No. 4 (2023): November
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mulawarman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/jinv.v19i4.2486

Abstract

This study aims to evaluate and analyze the impact of growth and the relationship between capital structure and company growth with profitability and company value in the context of manufacturing companies listed on the Indonesia Stock Exchange. The data used are secondary in the form of debt-to-equity ratio, return on equity, and price book value. The data is sourced from the financial statements of manufacturing companies listed on the Indonesia Stock Exchange for 2019-2022 with a sample of 28 manufacturing companies. Data analyzed using a path analysis model is used to analyze the pattern of relationships between variables to determine the influence of the independent variable on the dependent variable. The results showed that the influence of the variable debt to equity ratio on return on equity was significant, the effect of the variable of company growth on profitability return on equity was significant, the influence of the variable capital structure debt to equity ratio to the value of the company price book value was insignificant, the influence of the variable of company growth on the value of the company was not significant,  and the effect of profitability variables on company value is significant. The originality lies in the comprehensive merging of two important aspects in the management of the enterprise: factors that affect profitability and factors that affect the value of the company. It not only identifies problems and challenges that the company may face but also provides a set of concrete solutions and actions to be taken to address those problems. In addition, it emphasizes the importance of integrating financial and operational aspects in growth planning and risk management. Thus, it can create a balanced framework to help companies achieve sustainable profitability and optimal long-term value
Co-Authors Armanid, Aura Desak Made Sukarnasih I Gede Sanica I Made Suidarma Komang Sri Widiantari Masno, Masno Putu Cita Ayu Sumantri, I. GA. Alit