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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 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 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 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 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 Brilliant International Journal of Management and Tourism (BIJMT) Formosa Journal of Sustainable Research (FJSR) Journal of Management, Accounting, General Finance and International Economic Issues (MARGINAL) 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 JIPkM 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 MILRev: Metro Islamic Law Review International Journal of Education, Language, Literature, Arts, Culture, and Social Humanities Enigma in Education Enigma in Economics Jurnal Penelitian Pendidikan Indonesia Journal of Social Work and Science Education International Journal of Economics and Management Sciences International Journal of Economics, Management and Accounting International Journal of Business and Quality Research International Journal of Economics, Business and Innovation Research Asian Journal of Management, Entrepreneurship and Social Science Journal of International Accounting, Taxation and Information Systems Greenation International Journal of Tourism and Management Harmony Management: International Journal of Management Science and Business Jurnal At-Tamwil: Kajian Ekonomi Syariah Brilliant International Journal of Management and Tourism International Journal of Economics and Management Research
Heri Pratikto
Universitas Negeri Malang
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Mechanical Engineering Neuroscience Physics Public Health Social Sciences Transportation Other

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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.
Digital Marketing Strategy in the Perspective of the Global Value Chain (GVC) of MSME Products: Case Study of Wedang Dayak Adi Hermawansyah; Sudarmiatin Sudarmiatin; Heri Pratikto
Harmony Management: International Journal of Management Science and Business Vol. 3 No. 1 (2026): International Journal of Management Science and Business
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70062/harmonymanagement.v3i1.519

Abstract

The Role digital marketing nowadays become part important in today's business strategies implemented by MSMEs, which is enable MSMEs to​​ reach the target market with more broad , measurable , and efficient in global value chain (GVC) context . Digital marketing strategies do not can denied involving various elements, including optimization machine search engine optimization (SEO), marketing through social media, digital advertising, marketing content ,and also email marketing. In buniess process of PT Bungas food Nusatra abalikpapan tahy have product a weadang dayang. In facing such a market dynamic, marketing strategy must capable adapt with current digital trends including Fear of Missing Out (FOMO) approach to create greater urgency and involvement​ tall in a way contextual relation with the value chain that creates consumer new abroad or​ marketing across countries by them. In this case, on of the challege ib export product process. The methods of research here, is survey and looking some literature that related in this subject discussion and research, the conclusion is the With utilise trend this company​ can increase visibility brand , strengthen interaction with customers and encourage conversion sale in a way more effective and This strategy expected can give impact positive to growth business and power competition companies in the digital era in more fluently in global value chain (GVC).
Exploring Financial Behaviour in MSME’s Sector: a Sytematic Review of Literacy, Attitude, and Gender Perspective Murdiono, Achmad; Kurniawan, Fajar Azmi; Pratikto, Heri; Hermawan, Agus
Journal of International Accounting, Taxation and Information Systems Vol. 2 No. 3 (2025): August
Publisher : CV. Proaksara Global Transeduka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70865/jiatis.v2i3.120

Abstract

Financial behavior is a critical aspect of economic life, particularly for actors in the micro, small, and medium enterprises (MSMEs) sector. This study aims to systematically review academic literature on the influence of financial literacy, financial attitudes, and gender role on financial behavior, utilizing a Systematic Literature Review (SLR) approach guided by the PRISMA protocol. This study was arranged to review in a systematic literature review approach, focusing on the influence of academic literature related to literacy finance, attitude finance, and gender roles in behavior finance, using a Systematic Literature Review (SLR) approach based on the PRISMA protocol. Sixty articles were selected from five academic databases (Scopus, ScienceDirect, Google Scholar, Emerald, and ProQuest), published between 2015 and 2025, and analyzed through thematic coding techniques. The results are relevant that financial literacy affects financial behavior directly and indirectly, mediated by attitude and intentions. Financial attitude is a key moderator in fostering responsible financial behavior. At the same time, gender is a moderate variable that influences the strength of the relationships among the variables. Moreover, behavioral characteristics differ among MSME actors, indicating the need for demographically contextualized interventions. This review emphasizes integrating financial literacy, attitude, and gender in shaping financial behavior. It supports the necessity for targeted financial education policies, including gender- and community-based approaches. The findings further affirm the relevance of theories such as the theory of planned behavior and mental accounting in understanding financial behavior in the digital era.
The Effect of Customer Experience, Shopping Motivation and Electronic Word of Mouth on Purchase Decisions Mediated by Online Trust (Study on Shopee E-commerce Users in Malang City) Faradila, Fian Arifiona; Pratikto, Heri; Rahayu, Wening Patmi
Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Vol. 20, No. 2 : Al Qalam (In Progress March 2026)
Publisher : Sekolah Tinggi Ilmu Al-Qur'an (STIQ) Amuntai Kalimantan Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35931/aq.v20i2.6414

Abstract

This study aims to analyze the mediation of trust on the influence of customer experience, shopping motivation, and electronic word of mouth (e-WOM) on purchase decisions among Shopee e-commerce users from generation Z in Malang City. This research approach is quantitative with descriptive and explanatory research methods. The data sample consisted of 174 respondents with a purposive sampling technique who had the criteria of being 17–29 years old, domiciled in Malang City, having the Shopee application, and having made a transaction in the last three months. Data processing was carried out using the Partial Least Square (PLS) method through SmartPLS 4 software. The results showed that customer experience, shopping motivation, and e-WOM had a significant effect on purchase decisions. In addition, trust was proven to significantly mediate the relationship between the three variables on purchase decisions. The R-Square value of 0.900 for trust and 0.905 for purchase decisions indicates that the research model has very strong explanatory power. These findings strengthen the relevance of the Technology Acceptance Model (TAM) and the Theory of Planned Behavior (TPB) theories in explaining the online purchasing behavior of Generation Z.
GLOBAL VALUE CHAIN PARTICIPATION OF AN INDONESIAN MODEST FASHION SME’s: A CASE STUDY FROM MALANG Setyawati, Dyah; Sudarmiatin, Sudarmiatin; Pratikto, Heri
Journal of Management Small and Medium Enterprises (SMEs) Vol 19 No 1 (2026): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v19i1.27727

Abstract

This study examines the participation of an Indonesian modest fashion SME in the global value chain. The research focuses on an Abaya-producing SME in Malang that has expanded its market to several international destinations. Data were collected through in-depth interviews, observation, and supporting documentation, and analyzed thematically. The findings show that the firm entered export markets gradually through digital platforms, exhibitions, and direct communication with overseas buyers. Its global value chain participation was strengthened by trust-based relationships, product adaptation, quality control, and continuous learning in export procedures. The study also finds that internationalization encouraged capability upgrading and created local economic benefits through the involvement of community-based workers. This case suggests that SME participation in global value chains can develop incrementally through adaptive learning, relational governance, and strong local production linkages. Keywords : Global Value Chain; Modest Fashion; SME Internationalization;Uppsala Model
Co-Authors A Halim Abdilah, Eka Novianti Abdullah Syakur Novianto Achmad Murdiono Adhy Wicaksono Adi Hermawansyah Adi Sucipto, Adi Afifa, Nurul Hildha Agung Winarno Agus Hermawan Agus Hermawan Aji Prasetya Wibawa Al Azhar, M. Habib Albar Bari'na, Moch. Yusufa Amin, Muhammad Sirojuddin Amirudin Amry Mahdan Abrari Amry Mahdan Abrari Anam, Hoirul Andi Basuki Andi Basuki, Andi Anis Sya’bania Anita Handayani Anni Yudiastuti 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 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 Gunartin Hamdana, Hamdana Hanif Rani Iswari Hari Wahyono Haya Nur Safa’atin Hendri Gunawan Heny Kusdiyanti, Heny Hong, Yeap Chi Imam Mukhlis Imam Sanusi, Imam Imaniyah, Sari Ayu Indira Oktavianti Ira Wikartika Iva Khoiril Mala 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 Martha, Jefry Aulia Martin Martin Mazarina Devi Miranda Lukita Sari Moh Yasir Mohamad Bastomi Mohammad Arief Mohammad Arief Muaddab, Hafis Muhadjir Anwar Muhammad Bukhori Dalimunthe Muhammad Irfanul Hakim Zain Muhammad Luthfi Alif Utama Muhammad Nanang Choiruddin Muhammad Sulhan Muntholib Nadila, Salsaufy Brillian Naswan Suharsono Novitasari, Anindita Trinura Nurika Restuningdiah Nurul Falah Hashim Nurul Farida Parawansah, Rosa Indah Prabowo, Andri Eko Pramika, Depi Puji Handayati Punaji Setyosari Purnomo, Irfan Agung Purwanto, Sandi Rachmad Hidayat Rahmi Rahayu, Dita Restu Millaningtyas Reza Aditia Rosmala Dewi Rosmiza Bidin Rr Suci Palasari Saiful Aminudin Alkusuma Putra Santi Widyanigryum Saptaria, Lina Sari, Dewi Wulan Sari, Vina Budiarti Mustika Setyohadi Sholikan Sholikan Sholikhan Sinollah Siti Khoiriyah Siti Salina Mustakim Soenar Soekopitojo Sopia, Sopia Sopiah, Sopiah Sopiah, Sopiah 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 Vhalery, Rendika Vindi Kusuma Wardani Wahjoedi Wahjoedi Wahyuningtiyas, Nanik Wening Patmi Rahayu Wita Ryani Juniar Yandi, Andri Yashinta Ula Qomarina Yuli Agustina, Yuli