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All Journal Journal of Economics, Business, & Accountancy Ventura Journal of Business & Banking JAM : Jurnal Aplikasi Manajemen MODUS-Jurnal Ekonomi dan Bisnis Prosiding Seminar Nasional Darmajaya Jurdimas (Jurnal Pengabdian Kepada Masyarakat) Royal JURNAL EKSBIS Dinasti International Journal of Education Management and Social Science Jurnal Kedaymas Jurnal Pengabdian Kepada Masyarakat
Rr. Iramani
Unknown Affiliation
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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Journal : Journal of Business

 1 
Kekuatan financial tehnology dalam Meningkatkan Kinerja Bisnis UMKM Amilia, Wilda Sinta; Rr. Iramani
Journal of Business & Banking Vol 14 No 02: November-April 2025
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v14i02.5044

Abstract

 Micro, Small and Medium Enterprises contribute greatly to driving the regional economy and providing employment opportunities for the community. Therefore, research to improve the performance of MSMEs is still very relevant to do. This study aims to examine the importance of financial technology, financial literacy, and culture in improving the business performance of MSMEs in East Java. Business performance studies that combine financial literacy, financial technology and culture with business performance, especially in the East Java region, are still very limited. Therefore, this research is important to be conducted to enrich empirical findings related to business performance. The sampling technique used was purposive sampling, by taking samples of MSMEs in the Surabaya, Mojokerto, Sidoarjo and Gresik areas. Total sample of 100 MSMEs. The data source used is primary data collected by survey using a questionnaire. Analysis was conducted with Partial Least Square. The results showed that financial technology and financial literacy as well as culture have a significant positive effect on MSME business performance. The results of this study imply that to improve the sustainability and business performance of MSMEs in East Java, MSME managers should improve their financial technoly and financial literacy capabilities and foster a culture that is the value of their business.
Kekuatan financial tehnology dalam Meningkatkan Kinerja Bisnis UMKM Amilia, Wilda Sinta; Rr. Iramani
Journal of Business & Banking Vol 14 No 2 (2025): November-April 2025
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v14i02.5044

Abstract

 Micro, Small and Medium Enterprises contribute greatly to driving the regional economy and providing employment opportunities for the community. Therefore, research to improve the performance of MSMEs is still very relevant to do. This study aims to examine the importance of financial technology, financial literacy, and culture in improving the business performance of MSMEs in East Java. Business performance studies that combine financial literacy, financial technology and culture with business performance, especially in the East Java region, are still very limited. Therefore, this research is important to be conducted to enrich empirical findings related to business performance. The sampling technique used was purposive sampling, by taking samples of MSMEs in the Surabaya, Mojokerto, Sidoarjo and Gresik areas. Total sample of 100 MSMEs. The data source used is primary data collected by survey using a questionnaire. Analysis was conducted with Partial Least Square. The results showed that financial technology and financial literacy as well as culture have a significant positive effect on MSME business performance. The results of this study imply that to improve the sustainability and business performance of MSMEs in East Java, MSME managers should improve their financial technoly and financial literacy capabilities and foster a culture that is the value of their business.
The Moderating Effect Of Gender On The Relationship Between Service Quality and Student Satisfaction Using A Hesqual Model: Evidence From A Private University In East Borneo Jaka Susila, Haryadi; Rr. Iramani
Journal of Business & Banking Vol 15 No 01 (2025): Mei-Oktober 2025
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v15i01.5089

Abstract

ABSTRACT Higher education institutions face challenges in providing services to meet student expectations. This study aims to examine the impact of service quality on student satisfaction using the HESQUAL (Higher Education Service Quality) model. Sampling was used with random sampling technique, involving 290 respondents. Data analysis was conducted with SEM-PLS. The results showed that administrative services, physical facilities, and teaching quality had a significant positive impact on student satisfaction. However, academic services related to the Academic Information System (SIAKAD) do not have a significant impact on student satisfaction. The results of this study imply that to increase student satisfaction, education service providers should optimize administrative procedures, better facility maintenance, and excellent lecturer services.
Co-Authors Amilia, Wilda Sinta Ansyori Mahdi Bagus, Dhyka Basuki Rachmat Dhorifi, Ahmad Erie Febrian Harry Widyantoro JAKA SUSILA, HARYADI Lutfi Lutfi Meliza Silvy Naefs, Aka Nurul Hasanah Uswati Dewi Puspitaningrum, Titis Ronny Soepardi, Gerryd Dina Soni Harsono Suprianto, Gaguk Tatik Suryani Trisa Indrawati Yanuarini, Lily