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All Journal UNEJ e-Proceeding AKUNTANSI DEWANTARA BISMA (Bisnis dan Manajemen)
Tria Apriliana
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Economics, Econometrics & Finance Education Social Sciences

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DETERMINANT FACTORS OF MSME FINANCING IN ISLAMIC BANK (STUDY CASE IN INDONESIA) irena Paramita Pramono; Rudy Hartanto; Tria Apriliana
AKUNTANSI DEWANTARA Vol 3 No 1 (2019): AKUNTANSI DEWANTARA VOL. 3 NO. 1 APRIL 2019
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (224.625 KB) | DOI: 10.26460/ad.v3i1.4309

Abstract

Micro, Small and Medium Enterprise (MSME) is an important segment of the Indonesian economy. The amount of MSME in Indonesia is 99,9% of the total entrepreneurs, it has high employment absorption and has a big contribution to the GDP. Despite the importance of MSME in Indonesia, financing, and lack of information become the main problem in MSMEs growth. In addition to financial assistance, Indonesia's MSMEs also need partner and guidance to help them grow. Islamic bank is an important segment in Indonesia's banking industry. We believe with a good coherency within Islamic Bank and MSME, both can support each other better either in financial aspect and management aspect. Therefore this research try to give an understanding what is the determinant factors of Islamic Bank financing for MSME, either in bank umum syariah and unit usaha syariah. This research use time series data of Islamic Bank financing, which monthly released by Otoritas Jasa Keuangan. There are several factors examined in this paper, which are Net Performing Financing (NPF), Return On Financing (ROA), Third Party Funds or Dana Pihak Ketiga (DPK), number of offices, number of workers and policy rate.
MODEL FOR HANDLING DISADVANTAGED VILLAGE IN FACING THE VICIOUS CIRCLES OF POVERTY IN SITUBONDO DISTRICT (CASE STUDY IN BESUKI VILLAGE) Tria Apriliana; Irena Paramita Pramono
UNEJ e-Proceeding the 3rd International Conference on Economics, Business, and Accounting Studies
Publisher : UPT Penerbitan Universitas Jember

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Abstract

The main problem of concern in economic development studies so far is the question of poverty. The effectiveness of poverty alleviation programs that have been piloted by both top-down and bottom-up government are not running well yet. Small and Medium Enterprises (SMEs) become one of the sectors that dominate economic activity besides agriculture sector. The purpose of this research was to obtain the synergy model of the policy implementation of underdeveloped village to face the vicious circles of poverty. Besides, this research was aimed to obtain a relationship model of factors of success in the implementation of disadvantaged village policy in facing the vicious circles trap. The data were processed and analyzed using SWOT and institutional analysis through focus group discussion (FGD) technique with the stakeholders. The results of the analysis showed that in enhancing economic activities through SMEs, an active role of government is needed as a mediator that connects SMEs with stakeholders such as academics, financial institutions, and trade associations.
Resilient MSMEs in the digital era: managing environmental uncertainty through dynamic capabilities Ahsin Kusuma Mawardi, Ahmad; Farida, Lilik; Endhiarto, Tatok; Tria Apriliana
BISMA (Bisnis dan Manajemen) Vol. 18 No. 1 (2025)
Publisher : Universitas Negeri Surabaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/bisma.v18n1.p131-158

Abstract

Business resilience is crucial for MSMEs to face post-pandemic challenges such as regulatory changes and economic fluctuations. Dynamic capabilities and digital transformation enable adaptation and innovation, enhancing competitiveness and sustainability, although there is still a lack of in-depth research on this relationship. This study aims to analyse the influence of environmental uncertainty on business resilience and MSME performance with dynamic capabilities and digital transformation as mediators, as well as business age as a moderating variable. This study uses primary data distributed through questionnaires with purposive sampling to 210 respondents who are MSMEs in Indonesia. Data analysis was conducted using SEM-PLS. The results of the analysis show that environmental uncertainty significantly affects dynamic capabilities, digital transformation, and business resilience, with positive coefficients for all three and a p-value below 0.05. Dynamic capabilities also have a positive impact on digital transformation and business resilience. However, dynamic capabilities do not have a significant effect on MSME performance. Both digital transformation and business resilience have a positive effect on MSME performance. In addition, dynamic capabilities moderate the influence of environmental uncertainty on digital transformation, while uncertainty through dynamic capabilities and digital transformation has a positive impact on business resilience and MSME performance. Business age does not moderate the influence of dynamic capabilities on business resilience.
Co-Authors Ahsin Kusuma Mawardi, Ahmad Irena Paramita Pramono irena Paramita Pramono Lilik Farida Rudy Hartanto Tatok Endhiarto