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All Journal Jurnal Manajemen dan Organisasi MANAJEMEN IKM: Jurnal Manajemen Pengembangan Industri Kecil Menengah Jurnal Manajemen dan Bisnis (Performa) Infestasi JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) Competitive Jurnal Akuntansi dan Keuangan Jurnal Ilmiah Manajemen Kesatuan Jurnal Ilmiah Akuntansi Kesatuan Inobis: Jurnal Inovasi Bisnis dan Manajemen Indonesia JIRA: Jurnal Inovasi dan Riset Akademik Golden Ratio of Marketing and Applied Psychology of Business JDEP (Jurnal Dinamika Ekonomi Pembangunan)
Ali Mutasowifin
Department Of Management, Faculty Of Economics And Management, Institut Pertanian Bogor, Bogor, West Java 16153, Indonesia
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Social Sciences Other

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MSME’s Financing Decisions and the Roles of Financial Literacy and Microbusiness Demographics Mutasowifin, Ali; Sutisna, Cindy
Jurnal Ilmiah Manajemen Kesatuan Vol. 11 No. 2 (2023): JIMKES Edisi Agustus 2023
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v11i2.2104

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a crucial role in the Indonesian economy, contributing 60.5% to the GDP, employing 96.9% of the workforce, and accounting for 15.69% of exports. However, MSMEs still face capital problems. Many of them struggle to access financial institutions due to their limited financial literacy. This research aims to identify the level of financial literacy among microbusinesses. The survey involved 60 respondents in the Cibinong District of Bogor Regency and analyzed how financial literacy levels and demographic factors influence microbusinesses’ decisions regarding the use of financing products from micro financial institutions (MFIs). The analytical method employed in this study is logistic regression. The research results indicate that financial attitudes, education, and income have a significant positive impact on financing decision from micro financial institutions, while financial knowledge and behavior have a significant negative impact. Keywords: MSME, MFI, financial literacy, demography, micro businesses ABSTRAK Usaha Mikro, Kecil dan Menengah (UMKM) memiliki peran penting dalam perekonomian Indonesia dengan kontribusi terhadap PDB 60,5%, penyerapan tenaga kerja 96,9%, dan ekspor 15,69%. Namun, UMKM masih menghadapi masalah permodalan. Banyak UMKM masih belum mampu mengakses lembaga keuangan karena literasi keuangannya yang rendah. Penelitian ini bertujuan mengidentifikasi tingkat literasi keuangan usaha mikro, dengan menyebarkan kuesioner kepada 60 responden di Kecamatan Cibinong, Kabupaten Bogor dan menganalisis pengaruh tingkat literasi serta faktor demografi terhadap keputusan usaha mikro dalam menggunakan produk pembiayaan di lembaga keuangan mikro (LKM). Metode analisis yang digunakan adalah regresi logistik. Hasil penelitian menunjukkan bahwa sikap keuangan, pendidikan, dan pendapatan berpengaruh signifikan positif terhadap pengambilan keputusan menggunakan produk pembiayaan lembaga keuangan mikro, sementara pengetahuan dan perilaku keuangan berpengaruh signifikan negatif. Kata kunci: UMKM, LKM, literasi keuangan, demografi, bisnis mikro
Analisis Harga Saham Pada Perusahaan Siklis dan Non-Siklis Akibat Konflik Israel-Palestina (Studi Empiris) Okta Bahari, Defi; Mutasowifin, Ali
Jurnal Manajemen dan Organisasi Vol. 16 No. 2 (2025): Jurnal Manajemen dan Organisasi
Publisher : IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jmo.v16i2.59429

Abstract

The conflict between Palestine and Israel has a long and complex history that has persisted for over half a century without resolution. This conflict escalated again with an attack by Israel on October 7, 2023, causing significant casualties and damage in Gaza. This study aims to analyze the impact of the Israel-Palestine conflict on the stock prices of cyclical and non-cyclical companies. The variables in this study are the stock prices of cyclical companies (McDonald's and Starbucks) and non-cyclical companies (Unilever and Nestlé). The research was conducted on companies listed on the S&P Dow Jones. The data analysis methods used include descriptive tests, normality tests, homogeneity tests, Friedman tests, and Kruskal-Wallis tests using SPSS version 23. The results of the study indicate significant changes in the stock prices of cyclical and non-cyclical companies during the conflict. McDonald's and Starbucks experienced significant stock price declines, while Unilever and Nestlé showed greater stability. This research provides insights for investors and financial analysts in managing portfolios during periods of geopolitical uncertainty.
The Role of Organic Marketing on Instagram in Influencing Consumer Purchase Decisions: A Case Study of Kopi Kenangan Rahman, Dimas Aulia; Mutasowifin, Ali
Golden Ratio of Marketing and Applied Psychology of Business Vol. 6 No. 1 (2026): July - January
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grmapb.v6i1.1249

Abstract

This study investigates the impact of organic marketing on consumer purchasing decisions using a case study of Kopi Kenangan, a leading coffee chain in Indonesia. The research analyzes how Instagram features like Feed, Stories, Reels, and Live influence consumer behavior. A total of 100 Instagram users who have purchased Kopi Kenangan products were surveyed through an online questionnaire. The data were analyzed using descriptive statistics and the Structural Equation Modeling Partial Least Squares (SEM-PLS) method. The results show that Instagram Feed and Instagram Stories significantly positively affect purchasing decisions, while Instagram Reels and Live do not show a significant impact. The findings highlight the effectiveness of unpaid digital marketing efforts in shaping consumer preferences and suggest that businesses can leverage organic content on Instagram to enhance customer engagement and drive sales.
Analisis Pengaruh Kepemilikan Manajerial terhadap Kebijakan Pendanaan dan Dividen Gustian, Nofrida Utami; Mutasowifin, Ali
Jurnal Manajemen dan Organisasi Vol. 6 No. 2 (2015): Jurnal Manajemen dan Organisasi
Publisher : IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (618.518 KB) | DOI: 10.29244/jmo.v6i2.12246

Abstract

Banking regulations required banks to manage their capital structure well, including those related to  managerial ownership, funding and dividend policies. The primary objective of this research is to analyze the influence of managerial ownership on policies of funding and dividend. By using data of 22 banking companies listed at JSX for the period 2008-2012, we find that managerial ownership is not significantly influence funding policy. On the other hand, it negatively and significantly influences dividend policy. Keywords : banking, dividend policy, funding policy, managerial ownership
DETERMINANTS OF IPO UNDERPRICING: VALUATION, PERFORMANCE, AND NON-FINANCIAL FACTORS Ali Mutasowifin
COMPETITIVE Vol 9 No 2 (2025): Competitive Jurnal Akuntansi dan Keuangan
Publisher : Universitas Muhammadiyah Tangerang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/competitive.v9i2.13743

Abstract

Underpricing continues to be a prevalent phenomenon in Indonesia’s initial public offerings (IPOs), where issuing firms often fail to obtain the fair market value of their shares. This study is highly relevant given that, from 2012 to 2022, 92% of 415 IPOs listed on the Indonesia Stock Exchange (IDX) experienced underpricing. The purpose of this research is to examine the determinants of IPO underpricing through stock valuation, financial performance, and non-financial factors. Employing a quantitative method with multiple linear regression analysis, the study analyzes 259 non-financial companies using six independent variables: Price to Book Value (PBV), Price to Earnings Ratio (PER), Debt to Equity Ratio (DER), Return on Equity (ROE), Underwriter Reputation (UDW), and Auditor Reputation (AUD). The results show that PBV (β = –0.007; p < 0.05) and UDW (β = –0.071; p < 0.05) significantly and negatively affect underpricing, while PER (β = 0.0001; p < 0.05) has a significant positive impact. Meanwhile, DER, ROE, and AUD have no significant effects. These findings indicate that firm valuation accuracy and reputable underwriters play vital roles in mitigating underpricing. Strengthening these aspects can enhance market efficiency and investor confidence in Indonesia’s IPO market
Co-Authors Achmad Azis Fauzi Afrida Pebriana, Lila Alvinda Kusumaningrostati Annisa Farradila Arifin, Nisrina Putri Asmi Devi Azizah Aulia Amin Nasution Ayu Hidayati Munasyiroh Dasra Viana, Eka Dewi, Farida Ratna Dwitaningsih Dwitaningsih Dwitaningsih, Dwitaningsih Fauzi, Achmad Azis Fitri Apriani Maudinah Gridita Dwi Pratiwi Gustian, Nofrida Utami Hanny Farhanah Ikhram Hafiz Rahmadi Izzatul Islami Harli Maudinah, Fitri Apriani Mokhamad Syaefudin Andrianto Monika Ristana Limbong Nisrina Putri Arifin Okta Bahari, Defi Rahman, Dimas Aulia Ramadhan, Muhammad Farchan Riska Dayu Rizky Samirah Ali Sutisna, Cindy Tri Listirta, Risky Viana, Eka Dasra