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All Journal BUANA SAINS Viabel : Jurnal Ilmiah Ilmu-Ilmu Pertanian
Budiman, Eko Wahyu
Unknown Affiliation
Agriculture, Biological Sciences & Forestry Biochemistry, Genetics & Molecular Biology Chemistry Mathematics Physics

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PENGARUH LITERASI KEUANGAN TERHADAP KETAHANAN UMKM PANGAN DALAM PEMANFAATAN FINTECH PADA PELAKU USAHA KOTA BLITAR Budiman, Eko Wahyu; Kurniastuti, Tri
BUANA SAINS Vol 25, No 3 (2025)
Publisher : Universitas Tribhuwana Tunggadewi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33366/bs.v25i3.7918

Abstract

This study aimed to examine the influence of financial literacy on the resilience of food-sector MSMEs (Micro, Small, and Medium Enterprises), with fintech adoption as a supporting variable, to address the research gap concerning the interaction between financial competence and technology adoption in the context of economic digitalization. A quantitative survey of 50 food-sector MSME actors in Blitar City who have used fintech services was analyzed using multiple linear regression. The results indicate that financial literacy has a significant and strong influence on business resilience (? = 0.47; p 0.01), while fintech adoption has a positive but more moderate effect (? = 0.22; p 0.05). The model explains 45% of the variance in MSME resilience. These findings reinforce the resource-based view theory by affirming that internal capability (financial literacy) is a key resource that is enhanced by technology (fintech) to build resilience. The implication is that MSME empowerment programs should integrate financial training with guided adoption of digital technology in a comprehensive manner
PENGARUH TRICHODHERMA sp. TERHADAP PERTUMBUHAN DAN HASIL TANAMAN MELON var Honey Orange DI GREENHOUSE UNISBA Serdani, Army Dita; Palupi Puspitorini; Tri Endrawati; Eko Siswanto; Budiman, Eko Wahyu
Viabel : Jurnal Ilmiah Ilmu-Ilmu Pertanian Vol 20 No 2 (2025): November 2025
Publisher : Universitas Islam Balitar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35457/bdqhjk28

Abstract

Melon (Cucumis melo L.) Honey Orange variety is a horticultural commodity with superior taste, aroma, and nutritional content, but its productivity is relatively low. The purpose of this study was to examine the effect of various doses of Trichoderma sp. on the growth and yield of melon plants of the Honey Orange variety. The study used a Randomized Block Design (RBD) with six treatments, namely T0 = without Trichoderma sp., T1 = 5 g/L, T2 = 10 g/L, T3 = 15 g/L, T4 = 20 g/L, and T5 = 25 g/L. The parameters observed were the number of leaves (leaflets), stem diameter (cm), fruit diameter (cm), and fruit weight (g). The data obtained were analyzed using analysis of variance, followed by Duncan's Test at the 5% level. The results of this study showed that the administration of Trichoderma sp. had a significant effect on all observed growth and yield parameters. The T3 treatment (15 g/L) was the most effective treatment, with an increase in the number of leaves and stem diameter, and produced the highest fruit diameter and fruit weight, namely 36.48 cm and 876 g, respectively. Thus, the application of Trichoderma sp. at a dose of 15 g/L can be recommended as the optimum dose to increase the growth and productivity of the Honey Orange melon variety.
Co-Authors Eko Siswanto Kurniastuti, Tri Puspitorini, Palupi Serdani, Army Dita Tri Endrawati