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All Journal JAM : Jurnal Aplikasi Manajemen IMAGE Conference on Innovation and Application of Science and Technology (CIASTECH) JCRS (Journal of Community Research and Service) Jurnal Ilmu Manajemen Jurnal Manajemen dan Bisnis Kreatif Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Bulletin of Management and Business Widyagama National Conference on Economics and Business (WNCEB) Governors Journal of Public and Business Accounting Journal Community Service Consortium Abadi: Jurnal Ahmad Dahlan Mengabdi Pangripta Jurnal Ilmiah Kajian Perencanaan Pembangunan TGO Journal of Community Development Jurnal Pengabdian Masyarakat dan Riset Pendidikan Jurnal Pengabdian Nasional (JPN) Indonesia Clean and Sustainable Production Jurnal Ekonomi, Manajemen, Akuntansi Journal of Management Research and Studies Jurnal Ilmiah Manajemen Dan Kewirausahaan
Hanif Rani Iswari
Universitas Widyagama Malang
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Ketidakpastian Pengambilan Keputusan Keuangan dan Kegagalan Adopsi Teknologi pada UMKM dengan Keterbatasan Sumber Daya Iswari, Hanif Rani; ainun, siti nur
Bulletin of Management and Business Vol. 3 No. 1: Maret 2022
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Widya Gama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31328/bmb.v4i2.426

Abstract

Hilirisasi teknologi pada Usaha Mikro, Kecil, dan Menengah (UMKM) sering kali tidak berlanjut hingga tahap adopsi industri, meskipun teknologi yang ditawarkan telah menunjukkan kinerja teknis yang memadai. Penelitian ini bertujuan untuk mengkaji faktor non-teknis yang memengaruhi kegagalan adopsi teknologi pada UMKM dengan keterbatasan sumber daya. Menggunakan pendekatan kualitatif eksploratif, data dikumpulkan melalui wawancara mendalam dengan pelaku UMKM sektor pengolahan pangan berbasis sumber daya lokal. Hasil penelitian menunjukkan bahwa ketidakpastian dalam pengambilan keputusan keuangan, persepsi risiko finansial, serta keterbatasan kemampuan pelaku usaha dalam menilai kelayakan ekonomi inovasi merupakan faktor utama yang menghambat adopsi teknologi. Teknologi yang unggul secara teknis berpotensi tidak diadopsi apabila nilai tambah, struktur biaya, dan implikasi finansialnya tidak disajikan dalam bentuk yang mudah dipahami oleh pelaku UMKM. Temuan ini menegaskan pentingnya integrasi evaluasi kelayakan ekonomi dan kerangka pendukung pengambilan keputusan bisnis dalam perancangan program hilirisasi teknologi agar selaras dengan karakteristik dan kapasitas UMKM.
The Role of Economic Feasibility in Advancing Technology Adoption among UMKM Iswari, Hanif Rani; Ainun, Siti Nur
Bulletin of Management and Business Vol. 4 No. 2 (2023): October 2023
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Widya Gama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31328/bmb.v4i2.453

Abstract

Technology hilirization in micro, small, and medium enterprises (UMKM) often encounters barriers not primarily rooted in technical limitations, but in economic uncertainty and decision-making constraints. Many technologies with proven technical performance fail to be adopted due to unclear value propositions, ambiguous cost structures, and limited financial comprehension among UMKM actors. This study aims to examine the role of economic feasibility as a critical bridge between technical readiness and technology adoption in resource-constrained UMKM contexts. Using a qualitative explanatory approach combined with techno-economic analysis, this study investigates how feasibility indicators such as production cost, break-even point, investment recovery, and perceived financial risk influence adoption decisions. Empirical insights are drawn from UMKM cases involved in food and agro-processing technology hilirization. The findings reveal that economic feasibility does not merely function as a financial evaluation tool, but also as a cognitive framing mechanism that shapes risk perception, confidence, and managerial commitment toward innovation adoption. Technologies accompanied by clear, transparent, and context-relevant feasibility information demonstrate significantly higher acceptance and readiness for adoption. This study contributes to the literature by positioning economic feasibility as an adoption readiness instrument rather than a post-implementation assessment. Practically, the results suggest that successful hilirization strategies for UMKM should integrate economic feasibility analysis alongside technical validation to ensure sustainable and scalable technology adoption.
HR Audit-Based SOP Development for Sustainable Workforce Retention in Culinary MSMEs Kedai Bakso Pemuda Spesial Kuah Bening Fadilah, Mega Fianita; Iswari, Hanif Rani; Sudiyono, Sudiyono; Bahtiar , Muhammad Yusuf; Zahroh, Viony Alfiyatu; Nur, Ayu Wandani Mustika Rahma Ba'its
TGO Journal of Community Development Vol. 3 No. 2 (2025): July - December
Publisher : Trescode Green Organization

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56070/jcd.2025.005

Abstract

This community service project was conducted to address the high turnover rate among mobile bakso sales employees at Kedai Bakso Pemuda Spesial Kuah Bening in Malang City. The initiative aimed to enhance workforce stability through a structured Human Resource Audit (HRA) and the development of Standard Operating Procedures (SOPs) based on job analysis and placement principles. The project applied a participatory action approach, involving both management and employees in diagnosing human resource problems and co-developing solutions. The HRA process included five key stages: problem identification, job analysis, job evaluation, job placement, and SOP formulation, followed by monitoring and review. Data were collected through structured interviews, observations, and performance record analysis. Findings revealed that unclear job boundaries, overlapping responsibilities, and a lack of standardized performance monitoring were the primary causes of employee dissatisfaction and turnover. As a result, four major SOPs were developed covering recruitment and orientation, route management, sales operation, and reporting procedures. These SOPs provided clear task guidelines, transparent performance metrics, and fair compensation mechanisms. Within two months of implementation, employee turnover decreased by 25%, and satisfaction levels improved significantly, especially regarding communication and role clarity. This program demonstrates that human resource auditing, when combined with participatory SOP design, can transform informal MSME labor structures into efficient and sustainable systems. The model offers a replicable framework for other small enterprises that rely on mobile or field-based sales personnel, promoting workforce professionalism and long-term business resilience.
How Do Informal Financial Practices Emerge in MSME Management? A Grounded Theory–Informed Thematic Analysis Iswari, Hanif Rani; Nisful Laili, Choirun; Wandani Mustika Rahma Ba'its Nur, Ayu
Bulletin of Management and Business Vol. 6 No. 2 (2025): October 2025
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Widya Gama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31328/bmb.v6i2.455

Abstract

This study explores how informal financial practices emerge and are sustained in the management of micro, small, and medium enterprises (MSMEs). Departing from conventional financial research that prioritizes rationality and formal accounting systems, this study adopts an inductive perspective that views financial practices as socially constructed, experience-based, and contextually embedded behaviors. Consistent with this approach, the study does not predefine variables but allows conceptual understanding to emerge from empirical evidence. A qualitative design employing grounded theory–informed thematic analysis was used. Data were collected through in-depth interviews, participant observation, and document analysis at Omah Sayur MQ’s, a retail-based MSME in Malang, Indonesia. Data analysis followed iterative stages of open coding, axial coding, and selective coding to identify recurring behavioral patterns, interpretive meanings, and social processes underlying financial management practices. The findings indicate that MSME financial practices are shaped by habitual routines, intuitive judgment, and relational dynamics rather than formal accounting logic. These practices are characterized by reliance on memory, resistance to formal record-keeping, intuition-based financial decision-making, and trust-oriented financial relationships. Integrating these empirical themes, the study inductively constructs Informal Financial Behavior (IFB) as a patterned and context-dependent mode of financial behavior that operates along a continuum of informality rather than as a binary condition. This study contributes theoretically by extending behavioral accounting literature through an empirically grounded conceptualization of informal financial behavior. Methodologically, it demonstrates the relevance of grounded theory for developing behavioral constructs and provides an initial framework for measuring the level of informal financial behavior among MSMEs. Practically, the findings suggest that financial literacy and inclusion initiatives should move beyond technical instruction and engage with existing behavioral patterns to promote more inclusive and context-sensitive financial interventions.
Digital Financial Governance Transformation in Urban Food Supply SMEs Iswari, Hanif Rani; Laili, Choirun Nisful; Vemy Martha Aulia; Jedina, Aurelia
PANGRIPTA Vol. 9 No. 1 (2026): Pangripta Jurnal Ilmiah Kajian Perencanaan Pembangunan
Publisher : Badan Perencanaan Pembangunan Kota Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58411/6h96am68

Abstract

This study examines how digital financial governance transformation reshapes informal financial recording practices and strengthens governance quality within urban food supply SMEs in Malang City. Existing studies on SME digitalization predominantly emphasize technological adoption and operational efficiency, while limited attention has been given to the behavioral and organizational mechanisms through which governance transformation becomes embedded within daily operational systems. Addressing this gap, the study adopts a case-based quasi-experimental design integrating a stepped-wedge implementation strategy with interrupted time series (ITS) analysis across three embedded outlets of Omah Sayur MQS, an urban food supply SME operating within Malang City’s local food distribution network. The intervention was implemented sequentially through standardized financial recording procedures, adoption of real-time digital recording systems, and continuous monitoring designed to support behavioral adaptation and procedural compliance. Data were collected longitudinally through structured observation, in-depth interviews, and financial document analysis covering pre-intervention, transition, and post-intervention phases. The findings reveal that baseline financial practices were characterized by delayed reporting, fragmented documentation, retrospective recording routines, and weak procedural standardization. Following intervention exposure, substantial improvements emerged in recording accuracy, reporting timeliness, documentation consistency, and managerial visibility. Interrupted time series patterns demonstrate both immediate level changes and sustained trend stabilization, indicating that governance transformation evolved progressively through behavioral internalization and routinized compliance across outlets. Beyond firm-level operational improvement, the findings show that governance standardization strengthened coordination, transparency, and information reliability across organizational units, thereby supporting broader urban SME ecosystem governance. The study further demonstrates that financial governance quality contributes to the reliability and coordination of urban food supply systems, particularly in relation to policy-oriented distribution initiatives such as the Free Nutritious Meal (MBG) program. This study proposes a Financial Governance Transformation Model for Urban Food Supply SMEs that conceptualizes digital governance transformation as a multi-level process operating across firm, ecosystem, and policy system dimensions. The study contributes to the literature by repositioning SME digitalization as a longitudinal governance restructuring process shaped by behavioral adaptation, organizational internalization, and ecosystem coordination rather than merely technological adoption.
Media Arts, Creative Economy Transformation, and Collaborative Urban Governance in Emerging Creative Cities: Evidence from Malang, Indonesia Albaba, M Ziaelfikar; Aini, Asfa Agustina Nusba; Iswari, Hanif Rani; Ainun, Siti Nur; Meilani, Cindy
PANGRIPTA Vol. 9 No. 1 (2026): Pangripta Jurnal Ilmiah Kajian Perencanaan Pembangunan
Publisher : Badan Perencanaan Pembangunan Kota Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58411/mtn1cs77

Abstract

The growing importance of creative economies has positioned Media Arts as a strategic driver of urban transformation, digital innovation, and sustainable competitiveness. However, existing creative city scholarship remains heavily concentrated on metropolitan cities in developed countries, while medium-sized cities in emerging economies, particularly in Southeast Asia, remain underexplored. This study examines the transformation of Malang City, Indonesia, into the first UNESCO Creative City of Media Arts in Southeast Asia by analyzing the integration of creative economy strategies, collaborative governance mechanisms, and Media Arts-based urban development. Using a qualitative descriptive case study approach, this research draws upon UNESCO dossiers, regional planning documents, policy reports, creative economy statistics, and relevant academic literature. The findings reveal that Malang’s transformation was supported by the synergistic interaction between cultural heritage, educational ecosystems, digital innovation, and collaborative governance institutionalized through the Culture–Talent–Technology (CTT) framework and the Hexahelix governance model. The study further demonstrates that Media Arts ecosystems contributed not only to economic growth and employment generation but also to cultural revitalization, urban branding, tourism development, and social inclusion. The findings contribute theoretically by extending creative city and collaborative governance literature through the proposed Media Arts-Based Urban Transformation Model for medium-sized cities in emerging economies. Practically, the study provides strategic insights for cities seeking to develop sustainable and globally competitive creative ecosystems through culturally grounded, innovation-oriented, and collaborative urban development strategies.
Co-Authors Agus Hermawan Ahmad Syifaudin Aini, Asfa Agustina Nusba Ainun, Siti Nur Albaba, M Ziaelfikar Alfiana Alfiana Ana Sopanah, Ana Arief Purwanto Atim Djazuli Aulia, Elcyntha Aurelia Jedina Azis, Santika Abd Baits Nur, Ayu Wandani Mustika Rahma Budi Eko Soetjipto Chaerani, Aura Choirul Anam Choirul Anam AM Diponegoro Cipto Wardoyo Ery Tri Djatmika RWW Fadilah, Mega Fianita Fauziah, Riris Zahrotul Hamida, Ika Fitria Nur Hendry Kurniawan Heni Pujiastuti Heri Pratikto I Gusti Bagus Wiksuana Ika Fitria Nur Hamida Imanita Septian Rusdianti Indriani, Tantri Intyas, Yekti Jedina, Aurelia Khasanah, Rizki Dwi Farotul Khojanah Hasan Kirana, Prambayu Candra Laili, Choirun Nisful Lely Dista Safitri M. Yusuf Bahtiar, M. Yusuf Maya Ratnasari Meilani, Cindy Mulyono Mulyono Nanda Apriliya Nasharuddin Mas Niken Paramita Niken Paramita Nisful Laili, Choirun Nur, Ayu Wandani Mustika Rahma Ba'its Nur, Ayu Wandani Mustika Rahma Baits Nurasiah Nurasiah Nurika Restuningdiah Puji Handayati Purnomowati, Wiwin Rahayu Puji Suci Rahmawati, Widiya Ratnasari, Maya Raya, Silfanus Lebu Ruhmawati Safitri, Lely Dista Salamah, Salafiatus Sodik Sodik, Sodik Sudarmiatin Sudiyono Sudiyono Survival SURVIVAL - - Syaadzan, Daiva Permana Ardanu Ubud Salim Ulfi Alifatu Solihah Vemy Martha Aulia Wandani Mustika Rahma Ba'its Nur, Ayu Yekti Intyas Rahayu Yuni Agung Nugroho Zahroh, Viony Alfiyatu Zulkifli