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Hariyati Hariyati
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The Effect of Financial Literacy and Financial Technology on Msme Business Performance in Sidoarjo Fatmawati, Ananda Azkia; Hariyati, Hariyati
Jurnal Sosial Teknologi Vol. 5 No. 4 (2025): Jurnal Sosial dan Teknologi
Publisher : CV. Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/jurnalsostech.v5i4.32089

Abstract

Due to their substantial contributions to employment and local productivity, MSMEs are essential to Indonesia's economic stability.  MSMEs in areas like Sidoarjo, however, continue to struggle with funding, marketing, and operational effectiveness.  The purpose of this study is to examine how financial technology and financial literacy affect MSMEs' operations in Sidoarjo's food and beverage industry.  Questionnaires were used to gather quantitative data from 115 respondents who were chosen using purposive sampling.  The associations between the variables were investigated using multiple linear regression analysis. The findings demonstrate that technology and financial literacy have a favorable and significant impact on the success of MSME businesses. Financial literacy enhances entrepreneurs’ capabilities in managing cash flow, budgeting, debt, and investments. Meanwhile, fintech improves operational efficiency and financial access through digital platforms such as QRIS payments and online lending. These findings align with the resource-based view and financial behavior theories, emphasizing the strategic value of internal resources and the psychological dimensions of decision-making. The study highlights the need for integrative strategies combining education and technology adoption to elevate MSME competitiveness and sustainability. Future research could focus on longitudinal and comparative regional studies to better understand the dynamics and barriers of fintech and financial literacy in MSME development.
PELATIHAN MANAJEMEN RESIKO BISNIS KELOMPOK KOPERASI SYARIAH BAITUL MAAL WAT TAMWIL (BMT) SURABAYA Haryono, Nadia Asandimitra; Mongid, Abdul; Wardoyo, Dewie Tri Wijayati; Hariyati, Hariyati; Iriani, Sri Setyo; Amelia, Ratih
Jurnal Abdi Insani Vol 12 No 10 (2025): Jurnal Abdi Insani
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/abdiinsani.v12i10.2999

Abstract

Koperasi Syariah Baitul Maal wat Tamwil (BMT) di Surabaya menghadapi tantangan serius yang berdampak pada kinerja kelembagaan dan daya tarik terhadap nasabah baru. Beberapa isu utama yang diidentifikasi meliputi kualitas sumber daya manusia yang belum merata, minimnya inovasi dalam pengembangan produk keuangan, serta lemahnya efisiensi operasional dan sistem pengelolaan risiko. Kondisi ini berpotensi menghambat pertumbuhan kelembagaan dan menurunkan tingkat kepercayaan masyarakat terhadap layanan BMT. Untuk menjawab permasalahan tersebut, telah dilaksanakan kegiatan Pelatihan Manajemen Risiko Bisnis berbasis syariah yang dirancang secara komprehensif bagi pengurus dan anggota BMT. Metode kegiatan meliputi penyampaian materi interaktif yang berbasis prinsip-prinsip manajemen risiko syariah, analisis studi kasus dari praktik koperasi lokal, serta diskusi kelompok terstruktur yang mendorong refleksi kritis dan pemecahan masalah secara kolaboratif. Fokus pelatihan diarahkan pada penguatan kapasitas SDM, pengembangan produk keuangan yang relevan dengan kebutuhan masyarakat, pemanfaatan teknologi informasi untuk efisiensi operasional, serta penerapan sistem pengendalian internal yang sesuai dengan prinsip transparansi dan akuntabilitas syariah. Hasil kegiatan menunjukkan peningkatan signifikan dalam pemahaman peserta terhadap konsep manajemen risiko, serta kesadaran kolektif akan pentingnya inovasi dan efisiensi sebagai fondasi keberlanjutan usaha. Kesimpulannya, pelatihan ini berhasil memperkuat kapasitas kelembagaan BMT, meningkatkan kepercayaan masyarakat, dan memperkuat peran sosial-ekonomi koperasi syariah dalam pemberdayaan umat secara berkelanjutan.
Efektivitas Pembelajaran Dengan Kegiatan Praktikum Berbasis Jelajah Alam Sekitar (JAS) di SMA Negeri 3 Balaesang Kecamatan Balaesang Kabupaten Donggala Sulawesi Tengah Hariyati, Hariyati; Vlorensius, Vlorensius; Adhani, Aidil
Biopedagogia Vol 7, No 2 (2025): November
Publisher : Program Studi Pendidikan Biologi Universitas Borneo Tarakan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35334/biopedagogia.v7i2.6887

Abstract

Achieving learning objectives requires a strong understanding of the learning approach. One method that can aid in the learning process is the JAS approach, which places a strong emphasis on learning activities that are relevant to everyday life and the environment as a source of knowledge. The aim of this study was to assess how well students in class X of SMAN 3 Balaesang learned through practical activities centred on investigating the surrounding environment. This study employed a quasi-experimental research design using quantitative research methods. Learning outcome assessments and learning motivation questionnaires were used to gather data. 56 participants were selected from two classes XC, which included 29 students as a control group and XD, which included 27 students as an experimental group for this study's sample. The z test was used to determine the classical completeness of the control and experimental classes, and the independent sample t-test was utilized to determine the difference in learning outcomes between the two groups. The study's findings demonstrated that the experimental class utilizing JAS and the control class using the conventional approach had different learning outcomes, with the JAS-using students achieving better learning outcomes than the traditional approach. According to the z-test results, less than 70% of students in the control class using the traditional method obtained the KKM score, whereas more than 70% of students in the experimental class utilizing JAS received a passing mark. Students in the experimental class were more motivated to learn. than those in the control group.
Analisis Literasi Keuangan, Efikasi Diri, dan Persepsi Risiko terhadap Minat Investasi Dimoderasi Kemajuan Teknologi Investasi Abdillah, Moh. Ansyar; Hariyati, Hariyati; Hakim, Luqman
Jurnal Samudra Ekonomi dan Bisnis Vol 17 No 2 (2026): JSEB
Publisher : Fakultas Ekonomi dan Bisnis Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jseb.v17i2.10309

Abstract

The purpose of this study was to understand the influence of financial literacy, self-efficacy, and risk perception on investment interest, as moderated by advances in investment technology. The study utilized 105 university students in Surabaya as respondents. The analysis results provided evidence of a significant partial influence of financial literacy, self-efficacy, and risk perception on students' investment interest. Another finding was that advances in investment technology were proven to moderate the influence of financial literacy, self-efficacy, and risk perception on students' investment interest. Based on the results, it is recommended that students further improve their financial literacy, build self-efficacy by starting to invest gradually, and understand risk rationally. With the synergy between education, psychological factors, and technology, students' investment interest is expected to increase optimally.
Co-Authors Abdillah, Moh. Ansyar Aidil Adhani Asmayani Salimi Badariah, Siti Bambang Tjahjadi Bayu Rama Laksono Bhilawa, SE, Ak, M.Si, CA, Loggar Dewie Trie Wijayati Eni Wuryani Fatmawati, Ananda Azkia Febthian Lindenn Harahap Hafiz, Rapaul Henilia, Henilia Insyirah Putikadea Istiawati, Sri Jannah, Kunuzil Luqman Hakim M. Rudy Sumiharsono M.Pd S.T. S.Pd. I Gde Wawan Sudatha . Made Dudy Satyawan Mariana Mariana Mongid, Abdul Muljono Muljono Nadia Asandimitra Haryono Nasution, M. Hafis Akbar nursidin, nursidin Ratih Amelia saniah saniah Siti Sri Wulandari Sri Setyo Iriani Susi Handayani Vlorensius Vlorensius