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All Journal Ekonomi Bisnis Jurnal Pendidikan Ekonomi STATOR: Jurnal Ilmiah Mahasiswa Teknik Mesin Jurnal Karinov Jurnal Graha Pengabdian Entrepreneur : Jurnal Bisnis Manajemen dan Kewirausahaan CASHFLOW : CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Jurnal Ekonomi, Bisnis dan Pendidikan (JEBP) Journal of Sustainable Community Service Journal of International Accounting, Taxation and Information Systems
Achmad Murdiono
Universitas Negeri Malang
Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences Other

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The Influence of Financial Technology on the Performance of MSMEs in the Regency Blitar : Effect Financial Literacy Mediation Achmad Murdiono; Fadia Zen; Lulu Nurul Istanti
Journal of International Accounting, Taxation and Information Systems Vol. 1 No. 3 (2024): August
Publisher : CV. Proaksara Global Transeduka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70865/jiatis.v1i3.60

Abstract

The Pancasila democratic economic system places MSMEs as one of the ideal locomotives for driving the national economy. Financial technology (Fintech) presents a paradigm shift in the financial and business sectors, one of which is the development of Fintech in the MSME scale industry. The focus object in this research is Blitar district MSMEs administrators who use fintech under the coordination of the Blitar District MSMEs and MSMEs Service. From variable testing, we can find out the impact of financial technology on the performance of MSMEs with financial literacy as a mediating variable. This research uses a quantitative approach which is descriptive, meaning that data analysis is quantitative, data collection uses research instruments which are also used to examine populations and samples to test the hypotheses that have been applied. The research results show that Fintech does not affect the performance of MSMEs and financial literacy is able to moderate the influence of Fintech on the performance of MSMEs. Variables such as sales turnover, profitability and asset growth do not show significant differences between MSMEs that use Fintech and those that do not use Fintech. These findings indicate that the benefits of Fintech have not been fully felt by MSMEs.
Integration of the Theory of Planned Behavior (TPB) and Theory of Financial Planning Behavior in MSMEs Actors Achmad Murdiono; Fadia Zen; Subagyo Subagyo
Journal of International Accounting, Taxation and Information Systems Vol. 2 No. 4 (2025): November
Publisher : CV. Proaksara Global Transeduka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70865/jiatis.v2i4.121

Abstract

This study aims to integrate the Theory of Planned Behavior (TPB) and behavioral finance theory to explain financial planning behavior among Micro, Small, and Medium Enterprises (MSMEs). Using a descriptive quantitative approach, data were collected through a survey of 399 MSME actors in Malang District and Batu City. The research instruments were developed based on indicators from TPB (attitude, subjective norm, perceived behavioral control) and behavioral finance theory (financial literacy and mental accounting). The results of the descriptive statistical analysis show that the majority of respondents have a moderate level of financial literacy, a positive attitude toward financial planning, but relatively low perceived behavioral control. In addition, it was found that mental accounting behaviors such as present bias tend to influence daily financial decision-making. These findings indicate that integrating TPB and behavioral finance theory provides a more comprehensive understanding of MSMEs' financial planning behavior. The conclusion of this study confirms the importance of a holistic and behavior-based approach in designing educational interventions and appropriate financial policies, particularly to improve the quality of financial decision-making among MSME actors.
Co-Authors Afwan Hariri Ahmad Aji Ubaidillah Kari Andi Basuki Andreas Syah Pahlevi Darmawan Subangkit Deni Bagas Pradana Djoko Dwi Kusumajanto, Djoko Dwi Ely Siswanto Fadia Zen Fadia Zen Fitriana Fitriana Ihzani, Aditya Alifi Jefri Aulia Martha K.W., Robertoes Koekoeh Lulu Nurul Istanti M Edoward Ramadhan Maelly Widiana Putri Martha, Jefry Aulia Mega Fatimah Rosana Mukhbitah, Faiq Nafisatul Murad, Safwan Marwin Abdul Nabila Rizqi Maimunah Nik Mohd Hazrul Nik Hashim Nofianti, Siska Krisdiana Pradana, Deni Bagas Rika Dwiqoryah Salahuddin Junus Siska Krisdiana Nofianti Siska Krisdiana Nofianti Sopiah, Sopiah Subagyo Subagyo Subagyo, Subagyo Surya Hadi Prabowo Swasono Raharjo, Swasono Utomo Pujianto Yuni Hermawan