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All Journal International Journal of Business, Law, and Education West Science Interdisciplinary Studies SINTESA
Kartiwa, Aa
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Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Neuroscience Social Sciences Other

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The Effect of Cash Management and Credit Policy on Liquidity and Profitability of MSMEs in Bandung City Hidayat, Gustina; Kartiwa, AA; Putro, Herman Purwoko
West Science Interdisciplinary Studies Vol. 2 No. 08 (2024): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v2i08.1237

Abstract

This study examines the impact of Cash Management and Credit Policy on the Liquidity and Profitability of Micro, Small, and Medium Enterprises (MSMEs) in Bandung City. Utilizing a quantitative research approach, data were collected from 210 MSMEs through structured questionnaires employing a Likert scale ranging from 1 to 5. The data were analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS 3). The results reveal that both Cash Management and Credit Policy have significant positive effects on the Liquidity and Profitability of MSMEs. Specifically, effective Cash Management enhances a firm’s ability to meet short-term obligations, thereby improving Liquidity, while robust Credit Policy practices directly contribute to both Liquidity and Profitability by ensuring timely collections and minimizing the risk of bad debts. These findings underscore the critical role of strategic financial management in sustaining the financial health and growth of MSMEs in Bandung City.
Impact of Financial Literacy, Risk Tolerance, Usefulness Perception, and Trust Perception on Financial Decision of MSMEs in West Java Kartiwa, Aa; Hidayat, Gustina; Lisbet, Zeanette T; Siagian, Ade Onny
International Journal of Business, Law, and Education Vol. 5 No. 2 (2024): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v5i2.869

Abstract

This study investigates the impact of financial literacy, risk tolerance, perceived usefulness, and trust perception on the financial decision-making of micro, small, and medium-sized enterprises (MSMEs) in West Java. Using a sample of MSME owners, the study employs multiple regression analysis to explore the relationships between these variables. The findings reveal that financial literacy is the most significant factor influencing financial decision-making, followed by perceived usefulness, risk tolerance, and trust perception. The results underscore the importance of financial education, adoption of beneficial financial tools, and fostering trust in financial institutions for enhancing MSME financial decisions. The study offers practical and theoretical contributions, providing valuable insights for policymakers, financial institutions, and MSMEs. Future research should consider expanding the geographical scope and exploring potential moderating factors in financial decision-making.
Implementation of Quality Management on Service Quality at PT PLN (Persero) UP3 Sumedang Rimbani, Silvia Herawati; Dwinova, Ghea Aulia; Rohman, Nursaeful; Febrianika, Luthfianeu; Kartiwa, Aa
SINTESA Vol. 15 No. 1 (2024): Sintesa
Publisher : SINTESA

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Abstract

This study explores the implementation of quality management in improving service quality at PT PLN (Persero) UP3 Sumedang, an operational unit of PT PLN (Persero) responsible for electricity services in the Sumedang and Majalengka regions. Using a qualitative method, this research analyzes the quality management practices applied, evaluates their impact on service quality, and provides recommendations for further improvement. The results show that focusing on customers, enhancing service quality, responsiveness to complaints, technology utilization, employee training, and a commitment to continuous improvement are key success factors in quality management implementation. Effective quality management at PT PLN (Persero) UP3 Sumedang can increase customer satisfaction and loyalty, reduce complaints, enhance the company's reputation, and optimize operations. This study is expected to provide guidance for other public service providers in their efforts to improve operational performance and service through quality management
Analysis of Product Innovation and Customer Relationship Management (CRM) as Marketing Tools by UMKM Sawo Sukatali Kartiwa, Aa; Az Zahra, Syifa Deliasari; Febriyanti, Aliya Susilo; Muharam, Anggun Nur Riska Muharam; Ariska, Siti
SINTESA Vol. 15 No. 2 (2024): Sintesa
Publisher : SINTESA

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Abstract

The study analyzes the role of product innovation and Customer Relationship Management (CRM) in enhancing the competitiveness of Sawo Sukatali SMEs in Sumedang Regency, using a qualitative approach through interviews, observations, and documentation. Sawo Sukatali SMEs have significant potential but face challenges in product innovation, competitiveness, and marketing effectiveness. The findings show that Sawo Sukatali SMEs have successfully innovated by creating various processed sawo products such as syrup, chips, dodol, and cakes, which add value and market appeal. The implementation of CRM has also enchanced customer loyalty through personalized services and operational efficiency. The main challenges include decining demand due to the pandemic and limit ed product distribution. Consumers show strong preferences for high-quality products, attractive packaging, and excellent service, highlighting the importance of innovation and CRM in creating positive customer experiences. Overall Sawo Sukatali SMEs have seccessfully empowered local potential through product innovation and CRM implementation, providing inspiration for other SMEs to continue innovating and leveraging their regional strengths
Co-Authors Ade Onny Siagian Ariska, Siti Az Zahra, Syifa Deliasari Dwinova, Ghea Aulia Febrianika, Luthfianeu Febriyanti, Aliya Susilo Herman Purwoko Putro Hidayat, Gustina Muharam, Anggun Nur Riska Muharam Rimbani, Silvia Herawati Rohman, Nursaeful Zeanette Tiarma Lisbet