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Pengaruh Financial technology, Literasi Keuangan dan Financial Self Efficacy terhadap Pengelolaan Keuangan UMK Kuliner di Kota Jambi Lestari, Lintang; Setiawati, Rike; Utama, Ahmad Nur Budi
Ekonomis: Journal of Economics and Business Vol 8, No 2 (2024): September
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v8i2.2039

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A In this case, the sustainability of the UMK must be observed and can beined by doing good financial management. This is because the financial management can help the stakeholders in controlling the output and input, help improve efficiency and efficiency as well as be able to minimize financial risk. This research aims to find out the impact of the use of financial technology based on digital payment in particular e-wallet, financial literacy and financial self efficacy of the culinary UMK actors in Jambi City. The study used a quantitative approach with a sample of 377 respondents. The data used are primary and secondary data using questionnaires and references from some related literature. The data analysis method in this study uses SmartPLS 4. The results of this study show a positive and significant influence of the variables used Financial technology, financial literacy and financial self efficacy on financial management.
Pengaruh Financial Knowledge, Love of Money dan Financial Attitude terhadap Financial Management Behavior pada Generasi Z di Kota Jambi Rizki, Sri Ajeng Sukmala; Setiawati, Rike; Utama, Ahmad Nur Budi
Ekonomis: Journal of Economics and Business Vol 9, No 1 (2025): Maret
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v9i1.2445

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This study aims to analyze the influence of financial knowledge, love of money, and financial attitude on financial management behavior in Generation Z in Jambi City. This study uses a quantitative approach with a survey method involving 100 respondents from Generation Z in Jambi City. Data were collected through a questionnaire specifically designed to measure the variables studied. The data used are primary data obtained through a questionnaire with a Likert scale. The data analysis method in this study uses PLS (partial least square) using Smart PLS 3.0. The results of this study indicate that financial knowledge and financial attitude have a positive and significant effect on financial management behavior while love of money has a negative and insignificant effect on financial management behavior in Generation Z in Jambi City.
Pengaruh Intellectual Capital dan Enterprise Risk Management Terhadap Nilai Perusahaan dengan Kinerja Keuangan sebagai Variabel Intervening (pada Perusahaan Farmasi yang Terdaftar di Bursa Efek Indonesia Periode 2018-2021) lestari, Cipta Visi; Wediawati, Besse; Setiawati, Rike
Ekonomis: Journal of Economics and Business Vol 8, No 1 (2024): Maret
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v8i1.1595

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Price book value is an indicator of company value that is usually used as an assessment by investors when investing. This research aims to obtain the results of a study of the influence of intellectual capital with the value added intellectual capital (VAIC) indicator and enterprise risk management with the indicator (COSO ERM) on company value and financial performance as intervening variables in pharmaceutical sector companies listed on the Indonesia Stock Exchange for the 2018 period. -2021. The method used was purposive sampling so that a sample of 9 companies was obtained. Data analysis uses partial least squares (PLS). The research results show that intellectual capital, enterprise risk management and financial performance directly have a positive and significant effect on company value. The research results also state that intellectual capital and enterprise risk management which are mediated by financial performance variables have a positive influence on company value.
Pengaruh Green Intellectual Capital terhadap Kinerja Keuangan dengan Family Ownership sebagai Variabel Moderasi Br Sagala, Efi Noviarta; Setiawati, Rike; Solikhin, Agus
Ekonomis: Journal of Economics and Business Vol 9, No 1 (2025): Maret
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v9i1.2459

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This study aims to determine the effect of green intellectual capital (GIC) which consists of green human capital, green structural capital, and green relational capital on financial performance (measured by Return on Assets/ROA) with family ownership as a moderating variable. The population in this study is family firms listed on the Indonesia Stock Exchange (IDX) for the 2019- 2022 period. This research uses a quantitative approach with the sampling method used is purposive sampling with a sample of 36 companies for a period of 4 consecutive years so that the total sample is 144. Data analysis uses multiple linear regression analysis and Moderrated Regression Analysis (MRA) using the SPSS version 26 application. The results of this study show that green intellectual capital has a negative and significant effect on financial performance. Meanwhile, family ownership is unable to moderate the effect of green intellectual capital on financial performance.
The Impact of Entrepreneurial, Financial, and Digital Literacy on MSME Performance Besse Wediawati; Zulfina Adriani; Rike Setiawati; RTS. Ratnawati; Erwita Dewi
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 4 (2025): JIMKES Edisi Juli 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i4.3411

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This study investigates the influence of entrepreneurial, financial, and digital literacy on micro, small, and medium enterprise (MSME) performance, with microfinance acting as a moderating factor. Conducted among 158 MSMEs partnered with Islamic microfinance institutions in Jambi Province, Indonesia, the research adopts a quantitative approach using Partial Least Squares (PLS) to test the proposed model. The findings confirm that all three types of literacy significantly and positively affect business performance, with entrepreneurial literacy showing the strongest influence. Despite financial literacy being only moderately high and digital literacy still relatively low, both remain important predictors of improved business outcomes. Notably, microfinance plays a key moderating role by enhancing the impact of these literacies on performance, emphasizing its role beyond financial support toward capacity-building and knowledge empowerment. The results suggest that improving the literacy of microfinance managers and building partnerships with stakeholders, universities, and digital communities are crucial steps toward strengthening MSME resilience and competitiveness. This study contributes a novel empirical model from the perspective of micro-entrepreneurs, offering a foundation for future research that explores microfinance and MSME dynamics from both demand and supply perspectives to better support business sustainability in the digital economy.
Pengaruh Self-Efficacy dan Dukungan Sosial Terhadap Motivasi Berwirausaha pada Ibu-Ibu Kelompok UP2K Dikelurahan Pematang Sulur, Kota Jambi Amilia, Wilsa; Setiawati, Rike; Elliyana, Dessy
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.7042

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UMKM berkontribusi lebih dari 60% terhadap Produk Domestik Bruto dan menyerap sekitar 97% tenaga kerja di Indonesia, sehingga penguatan usaha mikro berbasis rumah tangga menjadi agenda strategis pembangunan ekonomi. Dalam konteks tersebut, program Usaha Peningkatan Pendapatan Keluarga (UP2K) PKK di Kelurahan Pematang Sulur, Kota Jambi, menghimpun 40 ibu rumah tangga pelaku usaha kuliner dan jasa yang menghadapi tantangan rendahnya self-efficacy dan dukungan sosial akibat peran ganda domestik dan bisnis. Penelitian ini bertujuan menganalisis pengaruh self-efficacy dan dukungan sosial terhadap motivasi berwirausaha secara simultan pada ibu-ibu UP2K, dengan fokus pada keberlanjutan motivasi dalam mengelola usaha mikro rumahan. Penelitian menggunakan pendekatan kuantitatif dengan desain explanatory dan analisis Structural Equation Modeling-Partial Least Squares (SEM-PLS). Populasi berjumlah 40 pelaku UP2K aktif yang seluruhnya dijadikan sampel melalui teknik sensus. Instrumen berupa kuesioner tertutup skala Likert 4 poin yang mengukur dimensi self-efficacy, dukungan sosial (emosional, instrumental, informasional, apresiasi), dan motivasi berwirausaha (orientasi prestasi, kerja keras, kemandirian ekonomi, pengembangan usaha, kepuasan). Data dianalisis melalui uji validitas konvergen dan diskriminan, reliabilitas komposit, estimasi R-square, serta pengujian koefisien jalur dengan bootstrapping. Hasil penelitian menunjukkan self-efficacy dan dukungan sosial berpengaruh positif dan signifikan terhadap motivasi berwirausaha, dengan kontribusi penjelasan varians yang sangat kuat. Kesimpulannya, penguatan faktor psikologis internal dan dukungan sosial eksternal penting untuk meningkatkan motivasi berwirausaha berkelanjutan pada perempuan pelaku UMKM melalui program pemberdayaan berbasis komunitas.  
Pengaruh Entrepreneurial Competency dan Financial Literacy terhadap Business Performance Sustainability melalui Inovasi sebagai Variabel Mediasi pada UMK Sektor Kuliner di Kota Jambi R, Dzaky Achmad; Setiawati, Rike
Ekonomis: Journal of Economics and Business Vol 10, No 1 (2026): Maret
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v10i1.2777

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This study aims to analyze the influence of entrepreneurial competency and financial literacy on business performance sustainability with innovation as a mediating variable. This study uses a quantitative approach with primary data obtained through questionnaires distributed to 100 MSMEs selected using a purposive sampling technique. Data analysis was conducted using Structural Equation Modeling (SEM) through SmartPLS4, including validity and reliability testing, as well as hypothesis testing using the bootstrapping method. The results show that entrepreneurial competency has a positive and significant effect on business performance sustainability. In addition, entrepreneurial competency and financial literacy have a positive and significant effect on innovation. However, financial literacy does not have a significant effect on business performance sustainability. Other findings indicate that the innovation variable does not mediate the relationship between entrepreneurial competency and financial literacy with business performance sustainability. The implications of this study emphasize that entrepreneurial competency is a key factor that directly drives sustainable business performance, while financial literacy and innovation require more comprehensive strategic support to provide optimal contributions to business sustainability.
Impact of Growth Opportunities, FinTech, and Intellectual Capital on Banking Stability: The Mediating Role of Financial Performance Hutajulu, Daniela Setiani; Setiawati, Rike; Wediawati, Besse
Keizai Vol 7, No 1 (2026): Maret-Agustus
Publisher : Universitas Darwan Ali

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56589/keizai.v7i1.535

Abstract

The importance of banking stability as a pillar of national economic resilience cannot be overstated, as any disruption in this sector risks creating systemic impacts on the country's economy. Against this backdrop, this study was conducted to analyze the influence of growth opportunities, financial technology, and intellectual capital on banking stability, positioning financial performance as an intervening variable. The study gathered data from the annual financial reports of 32 banking companies listed on the Indonesia Stock Exchange (IDX) for the 2019–2023 period. Data processing was performed using descriptive statistics and structural equation modeling via the Partial Least Squares (SEM-PLS) method. Based on the analysis, it was found that growth opportunities, financial technology, and intellectual capital each have a positive and significant impact on financial performance. Furthermore, the results demonstrate that growth opportunities, financial technology, intellectual capital, and financial performance directly exert a positive and significant influence on banking stability. These findings also confirm the role of financial performance as a successful mediator in the relationship between growth opportunities, financial technology, intellectual capital, and banking stability. Overall, these results emphasize that enhancing financial performance is a primary strategic pathway for strengthening the stability of the banking sector in Indonesia.