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All Journal International Journal of Evaluation and Research in Education (IJERE) Cakrawala Pendidikan Indonesian Journal of Business and Entrepreneurship (IJBE) JPBM (Jurnal Pendidikan Bisnis dan Manajemen) Jurnal Pendidikan: Teori, Penelitian, dan Pengembangan Al Ishlah Jurnal Pendidikan Jurnal Ekonika : Jurnal Ekonomi Universitas Kadiri JURNAL MANAJEMEN MOTIVASI Jurnal Penelitian Pendidikan IPA (JPPIPA) Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan JURNAL EKONOMI PENDIDIKAN DAN KEWIRAUSAHAAN JURNAL NUSANTARA APLIKASI MANAJEMEN BISNIS Almana : Jurnal Manajemen dan Bisnis MABIS: Manajemen dan Bisnis JURNAL LENTERA BISNIS International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Karinov Dinasti International Journal of Education Management and Social Science Journal of Enterprise and Development (JED) International Journal of Economics Development Research (IJEDR) RESEARCH AND DEVELOPMENT JOURNAL OF EDUCATION (RDJE) Jurnal Graha Pengabdian JBMR: Journal of Business and Management Review Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Journal of Management - Small and Medium Enterprises (SME's) International Journal Of Science, Technology & Management (IJSTM) International Journal of Business, Law, and Education Devotion: Journal of Research and Community Service International Journal of Social Science International Journal of Economy, Education and Entrepreneurship (IJE3) Kontigensi: Jurnal Ilmiah Manajemen Anjoro : International Journal of Agriculture and Business Transekonomika : Akuntansi, Bisnis dan Keuangan Journal of Applied Business, Taxation and Economics Reseach Jurnal Bisnis Mahasiswa JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (JHSSB) Social Science Studies Jurnal Multidisiplin Madani (MUDIMA) East Asian Journal of Multidisciplinary Research (EAJMR) International Journal of Humanities Education and Social Sciences JAMBURA: JURNAL ILMIAH MANAJEMEN DAN BISNIS Formosa Journal of Sustainable Research (FJSR) Journal of Management, Accounting, General Finance and International Economic Issues (MARGINAL) International Journal Administration, Business & Organization Journal of Finance and Business Digital (JFBD) International Journal of Accounting & Finance in Asia Pasific Asian Journal of Management Analytics International Journal of Advanced Multidisciplinary Governors Jurnal Ilmiah Ilmu Terapan Universitas Jambi JIPkM Journal of Scientific Research, Education, and Technology International Journal of Economics and Management Research Bulletin of Culinary Art and Hospitality International Journal of Asian Business and Management (IJABM) Jurnal Ekonomi, Bisnis dan Pendidikan (JEBP) Journal of Sustainable Community Service Business and Investment Review Research Horizon MILRev: Metro Islamic Law Review International Journal of Education, Language, Literature, Arts, Culture, and Social Humanities RISK : Jurnal Riset Bisnis dan Ekonomi Enigma in Education Enigma in Economics Jurnal Penelitian Pendidikan Indonesia Journal of Social Work and Science Education International Journal of Economics, Commerce, and Management International Journal of Economics and Management Sciences International Journal of Economics, Management and Accounting Green Inflation: International Journal of Management And Strategic Business Leadership International Journal of Business and Quality Research International Journal of Technology and Education Research International Journal of Economics, Business and Innovation Research Analisa: Jurnal Manajemen dan Akuntansi Asian Journal of Management, Entrepreneurship and Social Science Journal of International Accounting, Taxation and Information Systems Greenation International Journal of Tourism and Management Jurnal Ekonomi, Manajemen, Akuntansi Harmony Management: International Journal of Management Science and Business Jurnal At-Tamwil: Kajian Ekonomi Syariah META - JOURNAL Brilliant International Journal of Management and Tourism International Journal of Economics and Management Research CURVE: Journal of Economic, Business and Accounting Harmoni Economics: International Journal of Economics and Accounting
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Pengaruh Gender Pada Kinerja UMKM: Sebuah Literatur Review Sari, Dewi Wulan; Pratikto, Heri; Sopiah, Sopiah
Jurnal Nusantara Aplikasi Manajemen Bisnis Vol 7 No 2 (2022): Jurnal Nusantara Aplikasi Manajemen Bisnis
Publisher : UNIVERSITAS NUSANTARA PGRI KEDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/nusamba.v7i2.16837

Abstract

The role of women in improving the economy has often been echoed in relation to their work in doing business independently. However, so far, micro, small and medium enterprises managed by women have not been properly developed so that they are able to grow and develop and have optimal competitiveness. Is it true that businesses run by women are less profitable than businesses run by men? This study uses a systematic literature review method by analyzing the results of research in various places related to this, including factors that can be observed so that businesses managed by women can show maximum performance. The results of this study are expected to provide information related to improving performance, especially for women.
Family Financial Socialization and Social Media: Their Impact on Educational Investment Decision Among Worker Students, Mediated by Financial Literacy and Internal Locus of Control Kustitik Kustitik; Heri Pratikto; Hari Wahyono; Dwi Wulandari
AL-ISHLAH: Jurnal Pendidikan Vol 17, No 1 (2025): MARCH 2025
Publisher : STAI Hubbulwathan Duri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35445/alishlah.v17i1.6482

Abstract

This study investigates the impact of family financial education and social media on educational investment decisions, with financial literacy and internal locus of control as mediators. The research follows an explanatory design using a survey method. The population consists of 15,530 individuals enrolled in Pamulang University's employee class program. A sample of 375 respondents was selected through proportionate random sampling. Data was collected via an online survey using Google Forms. Partial least squares structural equation modeling (PLS-SEM), analyzed with SmartPLS version 3.0, was employed to estimate the data. The results indicate that social media and family financial socialization both directly and indirectly influence educational investment decisions. However, family financial socialization did not significantly affect financial literacy, and thus could not mediate educational investment decisions. Internal locus of control emerged as the most significant predictor and mediator, suggesting that psychological factors have a stronger influence than financial knowledge. Furthermore, social media was found to play a key role in enhancing students' financial literacy and internal locus of control. Based on these findings, it is recommended that universities implement financial literacy programs for parents to support family financial education, as well as leverage social media to enhance students' locus of control and financial literacy.
Religiusity And Bank Products And Their Relationship With Decision Making In Micro Small Medium Business Funding In Pt Bank Muamalat Indonesia Dwi Hernanik, Nova; Pratikto, Heri
International Journal of Science, Technology & Management Vol. 3 No. 4 (2022): July 2022
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v3i4.532

Abstract

This study aims to determine the impact of religion and banking products on the financing decisions of small and medium-sized enterprises (MSMEs) at Bank Muamalat Indonesia Malang Branch. A sample of this survey is an MSME lending customer at Bank Muamalat Indonesia Malang Branch. This study uses primary data through the distribution of quizions. The survey method uses the method of multiple linear regression analysis with SPSS version 18. The results of simultaneous tests based on the findings show that religion and banking products have a common and significant influence on the coefficients of funding. The results show that religion does not have a partial and significant impact on funding decisions. Second, banking products have a partial and significant impact on funding decisions. This study is expected to benefit Bank Muamalat Indonesia, especially PT Bank Muamalat Indonesia Malang Branch, in terms of product design that is more diverse and adapted to the needs of MSME.
Exploratory Factor Analysis MSMEs Anti-Fragile Fauji, Diah Ayu Septi; Pratikto, Heri; Handayati, Puji
International Journal of Science, Technology & Management Vol. 3 No. 4 (2022): July 2022
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v3i4.535

Abstract

Developing a framework for MSMEs to become more fragile is the goal of this research. As it is known that the business world has fluctuated a lot and is facing turbulence, so we need an anti-fragile MSME framework concept. Using Exploratory Factor Analysis (EFA), this research is then analyzed to produce 5 (five) factors that build an anti-fragile MSME framework, namely Network Building, Growth Mindset, and Willingness to Develop, Focusing on Sustainability, Support, and Ability to Overcome Risk and the last is Competence. So far, there has been no research on the anti-fragile concept for MSMEs in Indonesia, so it is hoped that the results of this study can be a reference for future researchers and business actors in running their businesses.
The Role Of Relationship Marketing, Word Of Mouth, Customer Delight In Building Customer Satisfaction And Loyalty : Systematic Literature Review Muhammad Luthfi Alif Utama; Agung Winarno; Heri Pratikto
Dinasti International Journal of Education Management And Social Science Vol. 6 No. 3 (2025): Dinasti International Journal of Education Management and Social Science (Febru
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijemss.v6i3.3869

Abstract

The dynamics of consumer behavior in the development of technology and information makes consumer customers have greater access to information and communication channels in referencing what they want and a deep understanding of how various elements. Customers have become very active in choosing what they need and sorting out what they want. This literature study describes the Role of Relationship Marketing Variables, Word Of Mouth, Customer Delight in building Customer Satisfaction And Loyalty whose purpose is to understand how these various elements influence each other in the modern marketing context. 200 articles found through the Publish Perish journal search tool, the Google website with Scopus indexed journal searches, with a combination of Copernicus indexed journal searches, Sinta, local Indonesian and foreign journals. After that, identify relevant literature with the results of 30 relevant articles in the review and discussion. The analysis in this journal is Descriptive analysis, where the results of the literature review are grouped with several categories and then discussed and analyzed descriptively. With the adoption of modeling using the PRISMA Flow Diagram tool. The results of the study conducted that. The result is that all the results of the Journal Literature Review carried out use quantitative research types with data analysis carried out using SEM PLS 22 Journals. Multiple Regression Analysis 5 Journals. Meanwhile, exploratory analysis factors, content analysis techniques, non-experimental and crosssectional each 1. In general, the results of the journal review research conducted by examining the role of each variable and looking for the influence of Relationship marketing variables, Word Of Mouth, Customer Delight in building Customer Satisfaction and Customer Loyalty have an influence between variables. The rest of the research shows different results with the results of negative and insignificant influence between variables.
Incorporating the five pillars of pancasila for enhancing anti-fragility in sustainable umkm development Diah Ayu Septi Fauji; Heri Pratikto; Agung Winarno; Puji Handayati
JPPI (Jurnal Penelitian Pendidikan Indonesia) Vol. 10 No. 3 (2024): JPPI (Jurnal Penelitian Pendidikan Indonesia)
Publisher : Indonesian Institute for Counseling, Education and Theraphy (IICET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/020244570

Abstract

Micro, Small, and Medium Enterprises (UMKM) play a vital role in the global economy, including in Indonesia, where their functions and definitions may vary across different countries. This research explores the integration of Pancasila values in fostering the sustainable development of UMKM in Indonesia, emphasizing ethical business practices and inclusivity. Conducted in East Java, the study involved 220 UMKM actors and focused on analyzing the influence of Pancasila-based performance factors on UMKM resilience. Using factor analysis, the study examines the effects of Pancasila values on UMKM resilience, demonstrating the high validity and reliability of the instruments used. The findings highlight that the adoption of Pancasila values significantly enhances the resilience of UMKM, particularly in terms of their ability to adapt and thrive in challenging conditions. The results also underscore the importance of integrating ethical, social, and cultural values into business practices to ensure long-term economic sustainability. These insights can inform practical strategies for managing UMKM and shaping policies that foster their growth and resilience.
Challenges and Opportunities for MSMEs in Accessing the Global Market: Qualitative Analysis through In-Depth Inter-views with Export-Oriented MSME Entrepreneurs Endayani, Fatmasari; Sudarmiatin Sudarmiatin; Heri Pratikto
International Journal of Economics, Management and Accounting Vol. 3 No. 1 (2026): International Journal of Economics, Management and Accounting
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/ijema.v3i1.1145

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a vital role in Indonesia's economy with a contribution of more than 60 percent to the Gross Domestic Product and the absorption of 97 percent of the national workforce, but their participation in international trade is still low with only 14 percent involved in export activities. This research aims to analyze the challenges and opportunities faced by MSMEs in accessing the global market and identify adaptation strategies developed by entrepreneurs. A qualitative method with a phenomenological approach was applied through in-depth interviews with 18 export-oriented MSME owners and managers in East Java who were selected by purposive sampling. Thematic analysis using ATLAS.ti revealed seven main challenges including limited access to capital, complexity of export regulations, constraints on production capacity and quality consistency, language and cross-cultural communication barriers, lack of international market information, logistics infrastructure problems, and intensive competition. On the other hand, four strategic opportunities were identified, namely increasing demand for sustainable authentic products, accelerating digitalization and e-commerce, utilizing free trade agreements, and ethical consumerism trends. MSMEs develop effective adaptation strategies in the form of strategic collaboration, product differentiation with premium positioning, the use of digital technology, and a focus on specific market niches. The research emphasizes that the successful internationalization of MSMEs requires a holistic approach integrating internal capacity building with the support of a conducive external ecosystem.
PENGARUH LITERASI DAN PENGALAMAN KEUANGAN TERHADAP PENGELOLAAN KEUANGAN MELALUI NIAT BERPERILAKU PADA PENGRAJIN KASUR BUSA KECAMATAN PAKISAJI KABUPATEN MALANG Fawwaz, Muhammad Iqbal; Pratikto, Heri
TRANSEKONOMIKA: AKUNTANSI, BISNIS DAN KEUANGAN Vol. 3 No. 3 (2023): May 2023
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/transekonomika.v3i3.425

Abstract

In developing a business, financial management of MSMEs plays an important role. This study aims to examine the effect of financial literacy and experience on the financial management of foam mattress craftsmen, as well as to examine whether behavioral intention is a mediating variable between financial literacy and experience with financial management. The survey was conducted on foam mattress craftsmen using total sampling technique, and the data were analyzed using Path Analysis. The results showed a significant positive influence between financial experience and financial management behavior. In addition, this study proves that financial literacy has an indirect effect on financial management through behavioral intentions. The managerial implications of this study emphasize the importance of having good financial experience in improving financial management. In addition, this study provides new insights that individuals with high financial literacy also need to have good Financial behavioral intentions to manage their business finances more carefully.
IMPLEMENTATION of SDGs – 4 THROUGH DIGITIZATION OF EDUCATION AT SANGGAR BIMBINGAN KUALA LANGAT, SELANGOR, MALAYSIA Churiyah, Madziatul; Agustina, Yuli; Pratikto, Heri; Arief, Mohammad; Abdilah, Eka Novianti; Camelia N. C., Inneke; Al Azhar, M. Habib; Albar Bari'na, Moch. Yusufa
JOURNAL OF SUSTAINABLE COMMUNITY SERVICE Vol. 3 No. 4 (2023): SEPTEMBER
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/jscs.v3i4.504

Abstract

Lecturers from Universitas Negeri Malang conducted Overseas Partnership Service activities at Sanggar Bimbingan Kuala Langat, Selangor, Malaysia. This service activity aims to enhance the quality of teaching and the understanding of both teachers and parents of students in the guidance studio, aligning with SDGs Goal 4, which is "Quality Education." The need for this service activity arises from the teachers' lack of understanding regarding learning media and models applicable in the classroom. Several specific activities were carried out, including a workshop titled "Enhancing Learning Quality and Teacher-Parent Understanding at Sanggar Belajar Kuala Langat, Selangor, Malaysia, Using the Flipped Classroom Learning Model." These activities also included a video tutorial demonstrating "How to Utilize Google Classroom as a supportive tool for the Flipped Classroom learning model" and assistance in setting up Google Classroom accounts and using the application. Through these activities, it was observed that both teachers and parents gained a better understanding of the flipped classroom learning model and the use of Google Classroom as a teaching tool. Consequently, it is anticipated that the learning quality at Sanggar Bimbingan Kuala Langat will see improvement.
KULAK .ID: AN INNOVATIVE SITE TO INTRODUCE SMES TO ECONOMIC SUSTAINABILITY BASED ON VILLAGE POTENTIAL Agustina, Yuli; Pratikto, Heri; Churiyah, Madziatul; Basuki, Andi
JOURNAL OF SUSTAINABLE COMMUNITY SERVICE Vol. 4 No. 4 (2024): SEPTEMBER
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/jscs.v4i4.817

Abstract

Kulak.id is an innovative platform designed to empower Small and Medium Enterprises (SMEs) by promoting economic sustainability based on the unique potential of villages. This initiative leverages local resources and capabilities, enabling SMEs to thrive within their communities while contributing to the broader economic landscape. The platform serves as a bridge between traditional village industries and modern market demands, offering tools and support for businesses to enhance their operations and reach. By focusing on the inherent strengths of village economies, Kulak.id not only fosters sustainable business practices but also preserves and revitalizes local cultures and industries. The ultimate goal of Kulak.id is to create a resilient and self-sufficient economic environment for SMEs that can adapt and flourish in the face of global challenges.
Co-Authors A Halim Abdilah, Eka Novianti Abdullah Syakur Novianto Achmad Murdiono Adhy Wicaksono Adi Hermawansyah Adi Sucipto, Adi Afif Nur Rokhman Afifa, Nurul Hildha Agung Winarno Agus Hermawan Agus Hermawan Agus Kurniadi Agus Salim Aisy Fiklil Nafisah Aji Prasetya Wibawa Al Azhar, M. Habib Albar Bari'na, Moch. Yusufa Alberta Adinata Amin, Muhammad Sirojuddin Amirudin Amry Mahdan Abrari Amry Mahdan Abrari Anam, Hoirul Andi Basuki Andi Basuki, Andi Andy Chandra Pramana Anis Sya’bania Anita Handayani Anni Yudiastuti Arif Isnaini Arifah Rahman, Amalia Asep Dana Saputra Bernadeta Wahyu Astri Pratita Brillian Rosy Budi Eko Soetjipto Buyung Adi Dharma Camelia N. C., Inneke Chicha Fahriana Choirul Anam AM Diponegoro Chong , Wan Ni Cindy Pramita Cipto Wardoyo Deddy Ibrahim Rauf Dede Rusmana Dewi ayu sakdiyyah Dewi Diah Fakhriyyah Dewi Nurjannah Djoko, Sunarti Dwi Hernanik, Nova Dwi rahayu Dwi Wulandari Dwivamilu Irianti Putri Dyah Arini R Dyah Setyawati Edi Irawan Elfit Maidah Elok Vilantika Elvira Nur Azizah Ely Rizky Amaliyah Ely Siswanto Eni Susilowati Enjelika Eny Yuniati Ery Tri Djatmika RWW Evi Susanti Fahmi Ashari S. Sihaloho Fajar Azmi Kurniawan, Fajar Azmi Faradila, Fian Arifiona Faridatun Nafisah Fatima, Arlindo Do Ceo Fatmasari Endayani Fauji, Diah Ayu Septi Fawwaz, Muhammad Iqbal Filianti Filianti Firdian Tri Cahyo Fitriani Fitriyah Fitriyah Fulgentius Danardana Murwani Gabriella Stefanny Gunartin . Hamdana, Hamdana Hanif Rani Iswari Hari Wahyono Haya Nur Safa’atin Hendri Gunawan Heny Kusdiyanti, Heny Hery Suprayitno Hong, Yeap Chi Imam Mukhlis Imam Sanusi, Imam Imaniyah, Sari Ayu Indira Oktavianti Ira Wikartika Iva Khoiril Mala Ivan Widjaja Januardi Joko Setiyo Juniar, Wita Ryani Khoiril Mala, Iva Khoiriyah, Siti Nur Kholifah, Leli Khusnia, Rif’atul Kustitik Kustitik Landreas Utama Lie Ludi Wishnu Wardana Lulu Nurul Istanti Luthfi Alif Utama, Muhammad M. Yogi Riyantama Isjoni Madziatul Churiyah Mansoor Abdul Hamid Mantony, Oslida Markhamah, Siti Martha, Jefry Aulia Martin Martin Mazarina Devi Mega Noerman Ningtyas Miranda Lukita Sari Mirza Esvianti Moh Yasir Moh. Faizin Mohamad Bastomi Mohammad Arief Mohammad Arief Muaddab, Hafis Muchamad Rizky Fauzi Muhadjir Anwar Muhammad Bukhori Dalimunthe Muhammad Irfanul Hakim Zain Muhammad Luthfi Alif Utama Muhammad Nanang Choiruddin Muhammad Sulhan Muhammad Tody Arsyianto Muntholib Nadila, Salsaufy Brillian Naswan Suharsono Niluh Komang Kusuma Yasari Novitasari, Anindita Trinura Nur Hidayatul Istiqomah Nurika Restuningdiah Nurul Falah Hashim Nurul Farida Oktaviani, Fadhilah Nur Oktavianti, Indira Parawansah, Rosa Indah Permatasari, Indriani Detty Pitoyo, Achmad Zani Prabowo, Andri Eko Pramika, Depi Prastiono, Suryo Prayogo Kusumaryoko Puji Handayati Punaji Setyosari Purnomo, Irfan Agung Purwanto, Sandi Rachmad Hidayat Rahmi Rahayu, Dita Rendika Vhalery Restu Millaningtyas Reza Aditia Rivaldo Kurniawan Rizkita, Marsya Aulia Rosmala Dewi Rosmiza Bidin Rr Suci Palasari Rufi'i Saiful Aminudin Alkusuma Putra Santi Widyanigryum Saptaria, Lina Saputra, Asep Dana Sari, Dewi Wulan Sari, Vina Budiarti Mustika Septiawan, Bambang Setyohadi Shiddiqy, Isymayati Ash Sholikan Sholikan Sholikhan Sinollah Siti Khoiriyah Siti Salina Mustakim Soenar Soekopitojo Sofia Mahardianingtyas Soleh Hanafi Ihsan Ihsan Sopia, Sopia Sopiah, Sopiah Sopiah, Sopiah Sriyani Mentari Sudarmiatin Sudarmiatin Sudarmiatin Sugiyanto - Sulastri Irbayuni Sulikah Sulikah Sulis Rochayatun Sulistiyani, Sulistiyani Sumiati Sumiati Sutantri Sutrisno Sutrisno Syahrul Munir Syamsul Arifin Syihabudhin Tamimi, Muhizan Titis Shinta Dhewi, Titis Tuatul Mahfud Umami, Nailariza Umatin, Choiru Umi Nandiroh Ummi Ainur Rizqi Umu Rosyidah Vindi Kusuma Wardani Wahjoedi Wahjoedi Wahyu Dede Gustiawan Wahyuningtiyas, Nanik Wening Patmi Rahayu Widyaningrum, Santi Wilyan Adisari Wisma Miftahur Rozi Wita Ryani Juniar Yandi, Andri Yashinta Ula Qomarina Yuli Agustina, Yuli