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Literasi Keuangan, Toleransi Risiko, dan Pengelolaan Keuangan Pelaku Usaha Mikro Heni Hirawati; Yacobo P Sijabat; Axel Giovanni
Society Vol 9 No 1 (2021): Society
Publisher : Laboratorium Rekayasa Sosial, Jurusan Sosiologi, FISIP Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/society.v9i1.277

Abstract

Micro-enterprises have a significant role in the country’s economy. However, business owners must face various problems to develop their business. One of the problems is the limited funding for micro-enterprises due to the low financial literacy of business owners. In addition, the business owner’s tolerance for risk is also expected to affect the financial management of micro-enterprises. This study aims to determine the level of financial literacy and tolerance of business owners and the financial management of micro-enterprises. This research method uses a questionnaire distributed to micro-enterprise owners in Central Java Province and Yogyakarta Special Region. The results showed that the level of financial literacy of micro-enterprise owners was in the medium category. Micro-enterprise owners have a neutral attitude towards risk and are not individuals who dare to take risks but do not avoid risk. Financial management carried out by business owners is still in the poor category. Improvement of financial literacy, understanding of risks, and financial management of micro-enterprises still need to be done.
ANALISIS KINERJA TENAGA PENJUALAN BERDASARKAN GENDER PADA PT. TELKOM INDONESIA WITEL MAGELANG Hendi Ari Wibowo; Heni Hirawati
TRANSEKONOMIKA: AKUNTANSI, BISNIS DAN KEUANGAN Vol. 2 No. 2 (2022): March 2022
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/transekonomika.v2i2.117

Abstract

This study aims to see whether there are differences in performance between salespeople at PT Telkom Indonesia Witel Magelang from a gender perspective. The population of this study was 306 salespeople consisting of 214 males and 92 females. The analysis of this research is seen from the difference in average, highest sales, and standard deviation of sales for each gender. The results showed that the average sales showed the differences between male and female salespeople. From the highest sales, it shows the dominance of female salespeople from the number of individual sales. The standard deviation describes the distribution of the average sales. This study shows that female salespeople have a more unequal distribution than male salespeople. The dominance of male salespeople in terms of numbers did not make sales performance increase drastically. Female salespeople dominate on average and from maximum sales in a few months. These results indicate that there are differences in performance between male and female salespeople.
PENGARUH LINGKUNGAN KERJA, MOTIVASI, DAN GAYA KEPEMIMPINAN TERHADAP KINERJA PEGAWAI PADA DINAS KOMUNIKASI DAN INFORMATIKA KABUPATEN PURWOREJO Lindarizki Safitri; Heni Hirawati
TRANSEKONOMIKA: AKUNTANSI, BISNIS DAN KEUANGAN Vol. 2 No. 2 (2022): March 2022
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/transekonomika.v2i2.118

Abstract

Employee performance is a component to measure the success of employees in carrying out the work. The purpose of this study was to analyze and determine the effect of work environment, work motivation, and leadership style on employee performance at the Department of Communication and Information, Purworejo Regency. The population in this study were employees at the Communication and Information Office of Purworejo Regency with a sample of 30 people whose data could be through questionnaires and then processed using multiple linear regression data analysis methods on SPSS type 23 software to measure the effect of work environment, work motivation, and leadership style on employee performance in the Department of Communication and Information Purworejo Regency. Based on linear regression analysis, it is known that Work Environment (X1), Work Motivation (X2), and Leadership Style (X3) have no significant effect on Employee Performance (Y) with a sig. more than 0.05 and testing (R) 0.273 and coefficient of determination (R Square) of 0.075 with the results of the value of the regression coefficient on the Work Environment variable (X1) of 0.168 stating that every 1% of the value of the work environment, will improve performance 16.8 %. The value of the regression coefficient on the Work Motivation variable (X2) of -0.49 means that every 1% of the value of Work Motivation, will reduce performance by 4.9%. The value of the regression coefficient on the Leadership Style (X3) variable is -0.116 which means that every 1% the performance value will decrease by -1.16%.
PENGARUH HARGA, KUALITAS PRODUK, DAN KUALITAS PELAYANAN TERHADAP LOYALITAS PELANGGAN PADA LARISSA AESTHETIC CABANG MAGELANG Amalia Isnaini Purinda Laksana; Heni Hirawati
TRANSEKONOMIKA: AKUNTANSI, BISNIS DAN KEUANGAN Vol. 2 No. 5 (2022): September 2022
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/transekonomika.v2i5.243

Abstract

The purpose of this study was to examine the effect of price, product quality and service quality on customer loyalty at Larissa Beauty Center Magelang Branch using quantitative research methods. The sample in this study is to use raw data from 50 respondents. How to collects data using a questionnaire. The sampling technique used is non-random sampling, using the criteria selected by the researcher at the time of sampling. Respondents in this study were defined as customers of Larissa Skicare Magelang Branch who bought the product or made two or more transactions. The data analysis technique used in this research is multiple linear regression analysis with the help of SPSS program. The results showed that simultaneously price, product quality and service quality had a significant influence on customer loyalty. The product quality and service quality have a positive and significant effect on customer loyalty, but price has a positive and insignificant effect on customer loyalty. The results of the determination test stated that the percentage of the influence of price, product quality and service on customer loyalty was 72.4% so that the influence of other variables on consumer satisfaction outside this study was 27.6%.
The Effect of Financial Literacy on MSME Financial Management in the Gunungpring Religious Tourism Area Sijabat, Yacobo P; Hirawati, Heni
Reflection Journal Vol. 6 No. 1 (2026): June
Publisher : Lembaga Penelitian dan Pemberdayaan Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/eb7mx837

Abstract

MSMEs play a strategic role in the Indonesian economy, yet many business owners continue to face challenges in managing business finances, particularly in financial recording, reporting, control, and the separation of personal and business finances. This study aims to analyze the effect of financial literacy on the financial management of MSME actors in the Gunungpring religious tourism area, Magelang. Gunungpring provides an important research context because MSME activities in this area are shaped by the characteristics of religious tourism businesses, including daily cash transactions, fluctuating tourist visits, and strong social and family-based economic practices. This study employed a quantitative approach with a causal research design. Convenience sampling was applied due to limited access to respondents during the tourist season. The sample consisted of 30 MSME actors. Primary data were collected using a five-point Likert-scale questionnaire. Financial literacy was measured through indicators of financial knowledge, financial behavior, financial attitude, and financial capability. Financial management was measured through indicators of financial planning, financial recording, financial reporting, financial control, and separation of personal and business finances. The data were analyzed using validity and reliability tests, classical assumption tests, simple linear regression, coefficient of determination, and t-test. The results show that financial literacy has no significant effect on MSME financial management, as indicated by a significance value of 0.228 > 0.05. The Adjusted R Square value of 0.017 indicates that financial literacy explains only 1.7% of the variation in financial management. These findings suggest that MSME financial management in the Gunungpring religious tourism area may be more strongly influenced by factors outside the model, such as business experience, family habits, access to informal capital, and mutual-help practices.
Analisa Struktur Modal dan Likuiditas Terhadap Profitabilitas Pada Perusahaan Sub Sektor Batubara Muhamad Fahrul Raihan; Heni Hirawati
OPTIMAL Jurnal Ekonomi dan Manajemen Vol. 2 No. 4 (2022): Desember : Jurnal Ekonomi dan Manajemen
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/optimal.v2i4.761

Abstract

Coal mining sub-sector companies listed on the IDX from 2017 to 2021 will be the subject of this investigation, which aims to determine how capital structure and liquidity affect profitability and how they are described.A purposive sampling strategy was used to select the sample for this study.Multiple linear analysis was used to analyze the data in this study.This study found that profitability and liquidity are unaffected by the capital structure and liquidity variables.
Strategi Peningkatan Kinerja Usaha Mikro Kecil dan Menengah Axel Giovanni; Budi Hartono; Heni Hirawati; Yacobo P Sijabat; Clarisa Alfa Lionora; Vierda Dwi Aprilia; Galuh Witantri; Erika Kurniasari
JURISMA : Jurnal Riset Bisnis & Manajemen Vol. 15 No. 1: April 2025
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jurisma.v15i1.14281

Abstract

This study aims to identify the internal and external challenges faced by micro, small, and medium enterprises (MSMEs) in Magelang City and to develop effective strategies for enhancing their overall performance. The sample consists of 215 MSMEs selected through snowball sampling, ensuring a comprehensive representation of the sector. Data analysis utilized the internal-external (IE) matrix and the quantitative strategic planning matrix (QSPM) to generate strategic options. The results demonstrate that the strategic formulation using these matrices produces viable alternatives for MSMEs in Magelang, with a specific focus on a market penetration strategy. Concrete actions to implement this strategy include effective customer management, improving product quality and value, addressing customer complaints promptly, establishing partnerships with customers, and creating integrated distribution channels. By adopting these strategies, MSMEs can significantly enhance their competitive edge and achieve better performance outcomes. This research provides valuable insights for MSMEs seeking to navigate challenges and leverage opportunities in the dynamic business environment of Magelang City. Keywords: MSMEs; Strategy; Performance; IE Matrix; QSPM
PENGARUH STRATEGI BISNIS,KEMAMPUAN MANAJERIAL PELAKU UMKM TERHADAP KINERJA UMKM PADA BIDANG KNALPOT DI KABUPATEN PURBALINGGA Alifa Aulia Rahman; Heni Hirawati
Jurnal Ekonomi Kreatif dan Manajemen Bisnis Digital Vol 1 No 2 (2022): NOVEMBER
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/jekombital.v1i2.339

Abstract

Purbalingga Regency has good potential in terms of its metal industry, one of the superior products with this metal base material is exhaust. This automotive component promises an opportunity in developing a business in the exhaust sector, so this research was conducted with the aim of testing the effect of business strategy and managerial capabilities of MSME actors on the performance of MSMEs in the exhaust sector in Purbalingga Regency. This study's sample was drawn from the population of MSME actors in the exhaust industry in Purbalingga Regency. Using the Slovin algorithm to determine the number of samples, 38 responders were gathered. The testing procedure employs multiple regression analysis. The findings of this study reveal that business strategy has no effect on the performance of MSMEs, however managerial skill has a substantial and significant effect on the performance of MSMEs in the exhaust sector in Purbalingga Regency. Simultaneously, the results shows that business strategy and managerial ability have a significant effect on the performance of MSMEs in MSMEs in the exhaust sector in Purbalingga Regency. The results of this study indicate that MSME actors in the exhaust sector have not implemented a business strategy in managing their business. Lack of work experience is a factor in the absence of a set strategy to help the process of running the business. On the other hand, MSME actors have good managerial skills.