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Financial Behavior Dynamics of MSME Actors: A Contemporary Islamic Financial Management Study on Literacy, Attitude, Intention, Personality, and Legal Aspects Muhammad Sulhan; Heri Pratikto; Imam Mukhlis; Puji Handayati; Muhammad Irfanul Hakim Zain
MILRev: Metro Islamic Law Review Vol. 4 No. 1 (2025): MILRev: Metro Islamic Law Review
Publisher : Faculty of Sharia, IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/milrev.v4i1.10075

Abstract

This study explores the dynamics of financial behaviour among Micro, Small, and Medium Enterprises (MSMEs) within the framework of contemporary Islamic financial management. It focuses on analyzing the relationship between financial literacy, attitudes toward Islamic finance, intention to manage finances in line with Sharia principles, and the influence of personality traits on financial decision-making. Using a quantitative survey involving MSME actors from various industry sectors, the research finds that while overall financial literacy remains relatively low, most respondents possess a basic understanding of Islamic financial principles. Higher levels of financial literacy—especially in areas like cash flow and investment—are positively linked to effective financial management. A positive attitude toward Islamic finance also enhances MSME actors' intention to apply Sharia-compliant practices in their business operations. Those who value Islamic financial principles tend to manage debt more responsibly and avoid non-compliant financial behaviour. The study further shows that intention plays a central role in shaping Sharia-aligned financial practices. MSME actors with strong Sharia-based financial intentions are more open to using Islamic financial instruments and participating in related educational programs. Personality traits, particularly openness and conscientiousness, are found to significantly influence the likelihood of adopting Islamic financial practices, whereas closed or less detail-oriented individuals face greater challenges. This research contributes to the broader literature on Islamic financial management by offering insights into the behavioural factors influencing MSME financial practices and providing practical implications for strengthening Islamic financial literacy and implementation in the MSME sector.
Unlocking UMKM Potential: How Employee Satisfaction Mediates HRM Practices to Enhance Employee Performance in the Global Landscape – Case Study of the Kaboki Woven Bag Industry Lutfi; Mukhlis, Imam; Murwani, F Danardana
Jurnal Multidisiplin Madani Vol. 4 No. 5 (2024): May 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/mudima.v4i5.9194

Abstract

This study focuses on unlocking the potential of Micro, Small, and Medium Enterprises (MSMEs) and how employee satisfaction mediates human resource management (HRM) practices to enhance employee performance globally. Through a case study of the KABOKi Woven Bag Industry, this research explores the relationship between employee satisfaction, HRM practices, and employee performance. Involving a population of 112 employees in this industry, a sample of 87 employees was selected using the Slovin technique. Findings highlight the crucial role of employee satisfaction as a mediator between HRM practices and employee performance in facing challenges and opportunities in the global market. The results of this study contribute significantly to stakeholders in developing effective HRM strategies to strengthen MSMEs' employee performance on an international scale
The Impact of Leadership, Organizational Culture, and Innovative Work Behavior on Employee Performance in Teak MSME Centers in Pasuruan Sueb; Mukhlis, Imam; Murwani, F Danardana
Jurnal Multidisiplin Madani Vol. 4 No. 5 (2024): May 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/mudima.v4i5.9195

Abstract

This research investigates the impact of leadership, organizational culture, and innovative work behavior on employee performance within Teak Micro, Small, and Medium Enterprises (MSMEs) centers in Pasuruan. The study employs a mixed-methods approach, combining quantitative surveys and qualitative interviews. With a population of 153 employees in Teak MSMEs in Pasuruan, a sample size of 102 is selected using the Slovin technique. Data collection includes surveys and interviews to gather insights into leadership styles, organizational culture dynamics, innovative work behavior, and employee performance indicators. Statistical analyses, including regression models and thematic analysis, are utilized to interpret the data. The findings contribute to understanding the intricate relationship between leadership, organizational culture, innovative work behavior, and employee performance in the context of Teak MSMEs in Pasuruan, offering valuable insights for both academics and practitioners in the field
Determine Marketing Strategies Using SWOT Analysis in The MSME Creative Industry to Design Mock-Up Products Maharani, Rieska; Mukhlis, Imam
BALANCE: Economic, Business, Management and Accounting Journal Vol 21 No 2 (2024): Juli
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v21i2.22751

Abstract

The MSME creative industry has a significant role in local and national economic activities. Creative products from MSMEs provide added value and innovation, create jobs, and support economic growth. MSMEs often face challenges in marketing their products. In increasingly fierce competition, it is important to develop effective marketing strategies. Geographical boundaries are no longer limits today's creative industries. MSMEs in this sector must face competition not only in regional areas but also on a national scale. The research method used in this article is a descriptive qualitative method with a SWOT analysis approach. This research can analyze MSME marketing strategies in the creative industry and become a new contribution to literature and business practices. It is hoped that this research can also provide insight and practical recommendations to MSMEs in the creative industry, the government, and other related parties to increase the competitiveness and growth of the creative industry by using all marketing media and doing it consistently
Impact Of Multiple Positions And Organizational Culture On Job Performance At Asca Elpida Service Bureu Maretasari, Rina; Mukhlis, Imam
BALANCE: Economic, Business, Management and Accounting Journal Vol 22 No 1 (2025): Januari
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v22i1.25535

Abstract

The psychology bureau is a place for the public to tell a problem to the experts or psychological tests for job recruitment, psychological tests for students, and other IQ tests. AscaElpida Service Bureau is an institution engaged in services. Based on this, the research aims to find out the effect of dual positions and work culture on work performance at the AscaElpida service bureau. The research method used is qualitative. Data will be collected using interviews, observation, and documentation with as many as 2 informants. The study results indicate that job performance at the AscaElpida Service Bureau is the target that has been achieved. The number of customers increased, and there are multiple positions, namely leaders who carry out more than one activity and are carried out with one person. The organizational culture applied to the Asca Elpida Service Bureau is not optimal enough. This makes employees less efficient or can hinder work. Concurrent positions and organizational culture should be controlled and given maximally so that employees can pay more attention to performance for better performance.
The Influence of Price, Advertising, Online Customer Review and Convenience on Purchase Decisions in E-Commerce Sari, Wahyu Tita; Mukhlis, Imam
Jurnal Ekonomi Balance Vol. 18 No. 2 (2022): Desember 2022
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v18i2.9600

Abstract

The existence of e-commerce provides convenience in economic transactions, especially buying and selling transactions. However, behind the convenience there is also a risk that must be borne by consumers. However, this still makes e-commerce enthusiasts increase every year. The purpose of the study was to see the effect of price, advertising, online customer reviews and convenience on purchasing decisions at e-commerce. The research method applied is descriptive quantitative method, which is a method which explains the data in the form of numbers or numbers. In this study, primary data was used through a questionnaire with 301 respondents. The scale of the questionnaire is a Likert scale of 1-5. Multiple linear regression OLS method was applied as an analytical method which was processed using e-views 10 software and tested classical assumptions and hypothesis tests. The research findings found that price, online customer review and convenience showed a positive and significant relationship to purchasing decisions partially. Meanwhile, advertising shows a positive and insignificant relationship with purchasing decisions. Price, advertising, online customer review and convenience variables show a positive and significant relationship to purchasing decisions simultaneously
Analysis Of The Influence Of Perception Factors On Interest In Using E-Wallet Shopeepay Kinanti, Sekar Ayu; Mukhlis, Imam
Jurnal Ekonomi Balance Vol. 18 No. 2 (2022): Desember 2022
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v18i2.9614

Abstract

This study aims to see the effect of perceived convenience, perceived usefulness and perceived risk on interest in using shopeepay e-wallet. In this study, primary data was used in the form of questionnaires which were distributed to students of the Faculty of Economics and Business, State University of Malang. Quantitative research was applied with a Likert scale of 1-5 and the respondents were 120 respondents. As for the use of analysis in the study, namely the use of the SEM-PLS method and processed with SmartPLS 3.0 software to determine the relationship between variabels, then there is also a classical assumption test analysis and descriptive analysis in the study. This study intends to see how students' perceptions are related to the use of digital money or electronic money considering the current covid-19 pandemic in Indonesia. The results of this study are that the perception of convenience has no effect on the interest in using the shopeepay e-wallet, while the perception of usefulness and the perception of risk has an influence on the interest in using the shopeepay e-wallet
Social Media Marketing: Peranannya Dalam Meningkatkan Kinerja UMKM di Kota Malang Pada Masa Pandemi Covid-19 Handoko, Elvanda Satria Pratama; Mukhlis, Imam
Jurnal Maksipreneur Vol 15 No 1 (2025)
Publisher : Universitas Proklamasi 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30588/jmp.v15i1.1097

Abstract

The Covid-19 pandemic in Indonesia has caused crises in various sectors, including health, education, and the economy. SMEs play a crucial role in promoting economic growth and achieving national stability. At this time, there are many buying and selling activities that use digital media, because it makes it easier for both consumers and SMEs themselves. This study aims to analyze the role of social media marketing in improving performance in several SMEs in Malang City during the Covid -19 pandemic. This study used qualitative methods, while the data obtained were based on primary data. The data collection technique used is the triangulation technique, while the sample is taken using purposive sampling, with the criteria of informants, namely SMEs in Malang City who have implemented social media marketing. There are several benefits obtained by MSME actors in implementing social media marketing during the Covid -19 pandemic. First, social media can be used as an effective and efficient promotional medium. Second, social media marketing can also build brand awareness by consistently running promotions on social media. Third, research informants agreed that implementing social media marketing during the Covid -19 pandemic was effective in increasing SMEs' sales. Restrictions on people's activities in Indonesia during the pandemic have made consumers who buy products from social media tend to increase.
The Role of Digitalization on the Development of MSME in Business Actors Bangka Typical Souvenirs in Pangkalpinang City Rimadhini, Adilla Naura; Mukhlis, Imam
MediaTrend Vol 20, No 2 (2025): OKTOBER
Publisher : Trunojoyo University of Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/mediatrend.v20i2.32252

Abstract

Rapid technological advancements occur in almost all countries, including Indonesia.One field affected by technological progress is the economy. Indonesia’s economic strength includes the continuous development of Micro, Small, and Medium Enterprises (MSMEs). Digitalization plays a significant role in advancing MSMEs and thus the economy. This study aims to analyze the role of digitalization in the development of MSMEs among traditional snack business owners in Pangkalpinang City. Sampling was done using purposive sampling technique with a population of traditional snack business owners, particularly those dealing with sea products, with a sample size of 70 respondents. Data collection was conducted through an online questionnaire using Google Form platform. The data analysis method employed in this study is Partial Least Square using SmartPLS software, utilizing both outer and inner models. Research findings indicate that digital marketing, financial literacy, and financial technology have a positive and significant impact on the development of MSMEs among traditional snack business owners in Pangkalpinang City.
The Role Of Competitive Advantage Towards Accelerating Internationalization Of SMES In Indonesia Gunartin, Gunartin; Mukhlis, Imam; Danardana Murwani, Fulgentius
International Journal of Educational Research & Social Sciences Vol. 3 No. 3 (2022): June 2022
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijersc.v3i3.397

Abstract

This paper aims to explore the role of competitive advantage in accelerating the internationalization ofSMEs in Indonesia. The source of this paper is secondary data with a literature and empirical study approach from previous articles and other supporting sources. Data sources and various articles show that digitalization as a competitive advantage has a very important role in accelerating the internationalization of SMEs in Indonesia, but the results of the study of various sources of digitizing strategies for competitive advantage, many factors determine the international acceleration of SMEs in Indonesia such as partnerships, customer relations, business process management, as well as investing in information and communication resources. The government's role is also very dominant in the process towards accelerating the internationalization of SMEs in Indonesia
Co-Authors Abdul Hadi Abdul Halim Achmad Ali Said Achmad Mamduh Achmad Murdiono Ade Setia Pratama Adelia Rahma Aditya Nirwana Afif Nur Rahmadi, Afif Nur Agel Cahyo Putro Aguk Triyanto Agung Haryono Agung Nugroho Agus Hermawan Agussalim Agussalim Ahmad Fawaiq Suwanan Aji Prasojo Akbarti Na'ima Alya Rachma Fadhillah Ana Dhaoud Daroin Anggun Satriani Anggun Yuli Wijaya Anita Sumelvia Dewi Annisya Annisya’ Arief Noviarakhman Zagladi Arief Noviarakhman Zagladi Arik Wulandari Ashif Chumaida Sari Astri Ibadiyah Avelia, Rizky Renuka Betari Putri Pavita Budi Eko Soetjipto Budi Utami Budi Utami Buyung Adi Dharma Cahayati, Nila Choirul Anam Choirus Saadah Chusnul Chotimah Damis Veri Budianto Danar Ezrananda Danardana Murwani Danardana Murwani Danardana Murwani Danardana Murwani, Fulgentius Davied Radhika Saputra Dedy Saputra Delta Ananda Arga Putra Deni Andrean Deni Andrean desi kristanti, desi Desy Eka Agustina Dewi Nurjannah Dewi Wulan Sari Dewi, Velina Sari Dewinda Anggi Putri Setiawan Dhiah Fitrayati Diana Ambarwati Didin Elok Parastiti Dwi Annissa CRB Dwi Wulandari Dyah Arini Rudhiningtyas Dzaki Alfarrez, Muhammad Edi Murdiyanto Eka Ramadanti Elfiya Yetti Ellyana Indriani Wulandari Elmira Mufliha Camila Endang Miftaqul K Endang Sri Andayani Ermita Yusida Erna Retno Rahadjeng Erwin Syahputra Esy Nur Aisyah Etty Soesilowati Fadali Rahman Fajar Azmi Kurniawan, Fajar Azmi Farida Rahmawati Farida Styaningrum Fathonah, Sastiana Mandasari Fauji, Diah Ayu Septi Feberlian Elisabeth Gulo Fidelis Dwi Putra Santoso Fitriyah Fitriyah Fuat’dah, Devit Anisatul Fulgentius Danardana Murwani Genadi Septiansyah GLADY OLINE Grisvia Agustin Gunartin . Hadi Sumarsono Hamdana, Hamdana Handoko, Elvanda Satria Pratama Handri Dian Wahyudi Hanif Rani Iswari Hardiningrum, Iing Sri Hari Wahyono Helmi Abidin Heri Pratikto Herman Herman Herman Hesti, Mirna Shofa Hidayat, Moh. Nurul Huda, Muhammad Rifqi Mafatikhul Husnul Khotimah Inayati Nuraini Dwiputri Indah K, Luluk Nur Ismayantika Dyah Puspasari Isnawati Hidayah Iva Chandraningtyas Iva Khoiril Mala Ivan armawan Joko Setiyo Karolus Suban Waikelak Kespandiar, Tengku Kinanti, Sekar Ayu Kuntum Kinanthi Linda Seprillina Lisa Rokhmani Lustina Fajar Prastiwi Lutfi M Ansyar Bora M Dayat M. Fahrizal Hasibuan Madziatul Churiyah Magistyo Purboyo Priambodo Mahmud Mahmud Mala , Iva Khoiril Maretasari, Rina Markhamah, Siti Martha Hendrati, Ignatia Martin Maulidia, Rina Melany, Melany Moch. Wahyu Widodo Moh. Hefni Munawar Muh. Irshan Sachrir Muhammad Hariri Muhammad Irfanul Hakim Zain Muhammad Sulhan Muhammad Taqwa Mukti, Teguh Lingga Munandar Munandar Munda Rahma Dana Munir , Muhammad Syahrul Na'ima, Akbarti Nahdi, Moehammad Robith Nasikh Ni'matul Istiqomah Nila Cahayati Nugrahaningtyas, Andien Nugroho, Agung Nur Anita Yunikawati Nuraini, Fariha Nuril Aulia Munawaroh Nursabrina, Zata Yumni Subhati Nurul Azizah Nurul Faizah Nurul Hildha Afifa Ozlem Sokmen Gurcam Özlem Sökmen Gürçam Pambudy, Akhlis Priya Parawansah, Rosa Indah Phousith Phongsavath Prihatini, Hikmah Tri Puji Handayati Putra Hilmi Prayitno Putri, Salsabilla Pyng, How Shwu Qofifah, Salmaa Nur Qurrota Ayun Qurrotu Ayniy Rachmad Hidayat Rachmad Ilham Rafikhein Novia Ayuanti Rahawarin, Fazlur Rahman Rahman, Fadali Rahmayanti, Dhita Aulia Ratna Mitasari Refo Putra S Refo Putraseto Regina Trisuci Rahmadani Reinanda Putri Reza Lainatul Rizky Richa Afriana Munthe Rieska Maharani, Rieska Rimadhini, Adilla Naura Ririt Dwiputri Permatasari Riza Dwi Meidiaputri Rizky Renuka Avelia Ro'ufah Inayati Robbi Readi Rofiqi Rofiqi Rosyida, Rosyida Rudhiningtyas, Dyah Arini Rudi, Jupensius Said, Sitaman Sainul Salman Farizi Saptaria, Lina Saputra, Muhamad Ajye Saraswati, Nurma Sari, Ashif Chumaida Sari, Wahyu Tita Sariyani Sariyani Sariyani Sariyani Selviasari, Rike Sirodjudin, Mochamad Solikhatul Azizah Sri Handayani Sri Hariyanti Sri Rahayu Subhan, Ega Saiful Suci Rohayati Sudarmiatin Sueb Sugeng Hadi Utomo Sugiarti Ramadhan, Tri Sukarsih Sukma Nawang Sulistyowati, Nur Wahyuning Suparno Suratno Suratno Surya, Eka Putri Sutomo Sutomo Syahrul Munir , Muhammad Taruni Risla Hanifah Timbul Hamonangan Simanjuntak Timbul Hamonangan Simanjuntak Tsabita Khwarazmita Ubeid Fandi Nasrulloh Umi Nadhiroh Ustadus Sholihin Ustadus Sholihin Vidya Purnamasari Vira Anandha Wahjoedi Wahjoedi wahyuni wahyuni Wahyuningtiyas, Nanik Wati, Sri Sulistiya Widya Anjani Yayang Syania Sabilla Taqwa Yogi Dwi Lestari Yudiarto Perdana Putra, Yudiarto Perdana Yuli Soesetio Yuli Soesetyo, Yuli Yundari, Yundari Yusna Arlavico Safira Nadadies Zaenul Muttaqien Zuhrotul Munawwaroh Zulpan Akhir Ritonga