Mohammad Iqbal
Brawijaya University

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The Effect of Financial Literacy and Financial Inclusion on Small Enterprises Performance in East Kalimantan Poppy Alvianolita Sanistasya; Kusdi Raharjo; Mohammad Iqbal
Jurnal Economia Vol 15, No 1: April 2019
Publisher : Faculty of Economics Universitas Negeri Yogyakarta in collaboration with the Institute for

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (243.757 KB) | DOI: 10.21831/economia.v15i1.23192

Abstract

AbstractThe aim of this paper is to find out the effect of financial literacy on enterprises (SEs) performance and the effect of financial inclusion on small enterprises (SEs) performance. This research is an explanatory research. The sample includes 100 SEs in East Kalimantan. The sample is gathered by using non probability sampling technique. By implementing census approach the data is gathered from all SEs in East Kalimantan. This study was a quantitative approach and data were analyzed using PLS (Partial Least Square). The unit of level analysis is the SEs business players in East Kalimantan. The results showed a positive and significant effect of financial literacy on enterprises (SEs) performance and, financial inclusion positively affects the performance of small enterprises (SEs). Keywords: financial literacy, financial inclusion, small enterprises performancePengaruh Literasi Keuangan dan Inklusi Keuangan Terhadap Kinerja Usaha Kecil di Kalimantan TimurAbstrakPenelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan terhadap kinerja usaha kecil, dan pengaruh inklusi keuangan terhadap kinerja usaha kecil. Jenis penelitian ini adalah penelitian explanatory. Sampel penelitian adalah 100 UMKM yang ada di Kalimantan Timur. Sampel dikumpulkan menggunakan teknik non probability sampling dengan pendekatan sensus yaitu mengambi seluruh UMKM yang beroperasi di Kalimantan Timur untuk dijadikan sampel dan dilakukan pengujian untuk menjawab isu penelitian yang diangkat. Penelitian ini bersifat kuantitatif dan menggunakan alat analisis PLS (Partial Least Square). Level unit analisis penelitian ini adalah pelaku usaha kecil di Kalimantan Timur. Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh secara signifikan terhadap kinerja usaha kecil dan inklusi keuangan memiliki pengaruh signifikan terhadap kinerja usaha kecil. Kata kunci: literasi keuangan, inklusi keuangan, kinerja usaha kecil
THE EFFECT OF ELECTRONIC WORD OF MOUTH, MESSAGE SOURCE CREDIBILITY, INFORMATION QUALITY ON BRAND IMAGE AND PURCHASE INTENTION Atika Atika; Andriani Kusumawati; Mohammad Iqbal
EKUITAS (Jurnal Ekonomi dan Keuangan) Vol 20 No 1 (2016)
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya(STIESIA) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (0.057 KB) | DOI: 10.24034/j25485024.y2016.v20.i1.94

Abstract

This study is aimed to investigate the extent to which electronic word of mouth (eWOM) affects brand image and purchase intention. Further, other variables employed in this study are message source credibility and information quality. These variables are employed to explore the influence of eWOM on brand image and purchase intention by simultaneously involving message source credibility and information quality as independent variables. Message source credibility and information quality become important, because they can affect persuasion of customers. The research type is explanatory research with quantitative approach. The sampling technique used in this study was purposive sampling. The model was tested empirically using sample of 138 members of MIUI Indonesia Fansite. Analysis data technique in this study uses Generalized Structured Component Analysis (GSCA) to examine the effect of electronic word of mouth, message source credibility, information quality on brand image and purchase intention. Results showed that electronic word of mouth, message source credibility, information quality have positive and significant effect on brand image and purchase intention. Key words: electronic word of mouth; message source credibility; information; brand image; purchase intention
Determinants of SME’s performance: The role of knowledge management, market orientation, and product innovation Wisnu Panggah Setiyono; Mohammad Iqbal; Rizal Alfisyahr; Alshaf Pebrianggara; Mukhammad Shofyan
JEMA: Jurnal Ilmiah Bidang Akuntansi dan Manajemen Vol 19, No 1 (2022): JEMA: Jurnal Ilmiah Bidang Akuntansi dan Manajemen
Publisher : University of Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31106/jema.v19i1.15036

Abstract

The role of knowledge management (KM) in the existence of Small Medium Enterprises (SME’s) has been an important aspect of entrepreneurship. However, to perform an SME may not merely rely on its knowledge but also on other aspects such as market orientation and product innovation. This study aims to contribute to the entrepreneurship literature in the context of emerging economies. This study can be classified as quantitative research by nature as the use of a survey to gather respondent data. About 211 samples of SMEs of the furniture cluster in East Java were obtained in this study. Thus, understanding that the focus on market orientation and innovation in SMEs has not fruitfully been exposed and explored enough in the context of emerging economies such as Indonesia. The result of this study indicated that KM is not a direct predictor of SME performance. This is an indication that the supremacy creation of SME performance could not depend heavily on KM but rather, other driving forces such as market orientation (MO) and product innovation (INNOV) are much more powerful drivers in crafting SME performances.
MEMPERTIMBANGKAN PERSPEKTIF SERVICE-DOMINANT LOGIC SEBAGAI STRATEGI PEMASARAN DI AGRO TAWON WISATA PETIK MADU, LAWANG Firda Melani Zalyus; Yusri Abdillah; Mohammad Iqbal
Profit: Jurnal Adminsitrasi Bisnis Vol. 14 No. 2 (2020): Profit : Jurnal Administrasi Bisnis
Publisher : FIA UB

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (507.291 KB) | DOI: 10.21776/ub.profit.2020.014.02.3

Abstract

The Service-Dominant Logic (SDL) concept was first promoted by Vargo & Lusch (2004a) because of a shift in marketing perspective that prioritizes services in the exchange process. The SDL marketing perspective consists of eight aspects namely, operant resources, resourcing, service and experience, dialogue, value plans, value creation networks, learning through exchanges and marketing collaboration. This study examines the extent to which the Honey Picking Tourism Honey Agro (WPM) has implemented marketing perspectives according to the SDL concept. Data obtained through observation, interviews and documentation studies. The resource persons consisted of managers, division heads and WPM customers. Data analysis uses an interactive model (Miles, Huberman & Saldana, 2014) which starts from Data Collection, Data Condensation, Data Display, and Conclusion Drawing. The results showed that WPM has applied all eight aspects of the marketing perspective that are in accordance with the SDL concept. WPM Managers place customers as an internal part in value creation. This can be seen from the involvement of customers from the beginning of the formation of educational tourism to the ongoing development. Managers give priority to service to customers to meet customer needs and satisfaction. However, WPM applies the service concept without knowing the SDL concept in theory. So that the benefits obtained are more optimal for the application of the service concept, it is better for WPM to carry out theoretical learning about the SDL concept. 
INOVASI MODEL BISNIS UKM DITINJAU DARI BERBAGAI PERSPEKTIF Yuda Fauzan; Mukhammad Kholid Mawardi; Mohammad Iqbal
Profit: Jurnal Adminsitrasi Bisnis Vol. 15 No. 1 (2021): Profit : Jurnal Administrasi Bisnis
Publisher : FIA UB

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (416.38 KB) | DOI: 10.21776/ub.profit.2021.015.01.5

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The purpose of this paper is to focus on a discussion that discusses Business Model Innovation. Based on preliminary research, the authors develop a proposition whereby the application of BMI in SMEs can be viewed from the degree, typology, and drivers. This paper examines the research published either experimentally, empirically, or conceptually with the theme of Business Model Innovation. The research was obtained from several journal portals such as Emerald Insight, Elsevier, and Research Gate for later criticized. This paper discovers BMI research which is still limited to the realm of large companies as its object, while in the realm of SMEs it is still rarely done. Meanwhile, BMI research at the SME level is expected to be able to boost the performance of SMEs in conducting their business, so that it becomes more structured and can compete in a wider realm. This paper discusses that future research can analyze aspects of innovation, innovation typologies, and factors driving innovation, and further research is expected to add other aspects that might emerge the next day that discuss the context of SMEs in Indonesia.