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Empowering MSMEs: The Impact Of Financial Literacy And Inclusion : Systematic Literature Review Amelia Setyawati; Sudarmiatin Sudarmiatin; Ludi Wishnu Wardana
International Journal of Economics and Management Research Vol. 2 No. 3 (2023): December : International Journal of Economics and Management Research
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v2i3.132

Abstract

Micro, Small and Medium Enterprises (MSMEs) play a crucial role in the global economy by making a significant contribution to economic growth, job creation and increasing social inclusion. However, many MSMEs face challenges in optimizing their potential due to limited resources and access to financial services. Financial literacy among MSME players can be a fundamental pillar in forming smart and sustainable financial decisions. Financial inclusion provides wider access to financial services, such as banking and insurance, for MSMEs. With strong financial inclusion, MSMEs can overcome financial obstacles and take more measured risks, encourage innovation and stimulate local economic growth. The method used in this research is Systematic Literature Review (SLR) by collecting and analyzing journals related to keywords. Based on the literature study conducted, it was found that the importance of increasing financial literacy is the main key in helping Micro, Small and Medium Enterprises (MSMEs) overcome financial challenges and increase the effectiveness of business decision making. The need for more targeted financial education programs for MSME owners was also highlighted. In addition, supporting financial inclusion by providing wider and easier access to financial services can be a driver of MSME growth. Steps such as simplifying the credit process and integrating digital payment services are considered vital. Research also shows that there is a strong synergy between financial literacy and inclusion, where better financial literacy prepares MSMEs to utilize financial services, while effective financial inclusion facilitates their access to such services. Despite these developments, research highlights gaps in access to education and financial technology, emphasizing the need for more inclusive and holistic efforts to support MSME growth.
New Insights Green Entrepreneurship as New Business Opportunity Iradah Rahman; Sudarmiatin Sudarmiatin; Ludi Wishnu Wardana
International Journal of Economics and Management Research Vol. 2 No. 3 (2023): December : International Journal of Economics and Management Research
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v2i3.134

Abstract

Entrepreneurship has long been recognized as a significant driver of economic progress. The globe has been confronted with grave environmental issues. Green entrepreneurship is to addressing the effect of the negative externalities of firms’ economic activity. Green entrepreneurship is new business opportunity. Many SMEs in many nations have not engaged in or are constrained by green entrepreneurship. The gap between field practice and theory and past research is worth discussing. This article will cover the challenges that green entrepreneurship faces, as well as how prior theories and research have tackled them. Author conducted a literature review to find research that investigated new insights green entrepreneurship as new business opportunity. This article discusses 20 related articles about new insights green entrepreneurship as new business opportunity which have been published in academic journals. The results of the discussion of this article reveal that the role of stakeholders such as government, investors and lenders are vital to green entrepreneurship performance, and have a positive impact on business sustainability. Enterprises that have the confidence to expand their markets based on an orientation toward the natural environment are more likely to gain sustainable competitive advantage. And green market orientation has a positive effect on business performance.
Correlation of Financial Management with MSME Performance: A Systematic Review of Literature Amelia Sugangga; Sudarmiatin Sudarmiatin; Ludi Wishnu Wardana
International Journal of Economics and Management Research Vol. 2 No. 3 (2023): December : International Journal of Economics and Management Research
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v2i3.136

Abstract

In the midst of global economic turmoil, Micro, Small and Medium Enterprises MSMEs in Indonesia play an important role as the backbone of the local economy. MSMEs face serious challenges that affect the performance of MSMEs. The novelty of this research lies in the approach of a combination of systematic literature review and in-depth empirical research. Involving stakeholders, especially MSME owners and financial management practitioners, provides valuable practical perspectives. This research has important implications for government policy, related institutions, business practitioners, and academia. The findings are expected to be a strategic guide for the development of training programs, more effective financial management models, and policies that support MSME growth. The method used in this study is Systematic Literature Review (SLR) by collecting and analyzing journals related to keywords. Based on the literature study conducted, it was found  that the need for more in-depth regarding the relationship between financial management and MSME performance can provide policy guidance for the government and related institutions, as well as practical insights for MSME owners, business practitioners, consultants, and academics in developing financial management models that are more effective and relevant in the context of MSMEs in Indonesia. This research covers important aspects and makes a substantial contribution in the understanding of the relationship between financial management and MSME performance.
A Systematic Literature Review of the Digital Orientation of MSMEs Rayyan Sugangga; Sudarmiatin Sudarmiatin; Ludi Wishnu Wardana
International Journal of Economics and Management Research Vol. 2 No. 3 (2023): December : International Journal of Economics and Management Research
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v2i3.137

Abstract

. Digital orientation is included in the important capabilities that need to be possessed for the development of MSMEs. This needs to be supported by a focus on digital strategies to answer obstacles such as the lack of digital orientation and the lack of human resource capabilities to utilize information technology. This research uses a Systematic Literature Review approach, to answer about the concept of digital orientation, the development of research related to digital orientation and topics or variables related to digital orientation. The results found that research on the topic of digital orientation has only accelerated in 2020 and indeed digital orientation has an influence on MSME business processes.
Analysis Of Financial Performance Quality Influenced By Financial Literacy And Internal Control Systems Moderate By Internal Audit In The Convection Business Djoewita Djoewita; Sudarmiatin Sudarmiatin; Ludi Wishnu Wardana
International Journal of Economics and Management Research Vol. 2 No. 3 (2023): December : International Journal of Economics and Management Research
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v2i3.139

Abstract

This research aims to analyze and test the influence of the internal control system and financial literacy moderated by internal audit to obtain the quality of SME financial performance. The convection data in the city of Malang is a population of 30 convection shops, while all those who answered the questionnaire were collected using the questionnaire method, namely by providing a list of questions sent to 60 respondents in the finance department. The technical analysis of this research uses moderated regression analysis calculated using SPSS software. The research results show that the influence of financial literacy and the internal control system moderated by internal audit has proven to be positive and significant on the quality of financial performance.
Forms of Parenting and Influencing Factors in the Cultivation of the Spirit of Entrepreneurship in Children with Deafblindness in the Mojokerto Region Nyuherno Aris Wibowo; Sudarmiatin Sudarmiatin; Ludi Wishnu Wardana
International Journal of Economics and Management Research Vol. 2 No. 3 (2023): December : International Journal of Economics and Management Research
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v2i3.146

Abstract

This research design uses qualitative research methods with a case study approach. The key informants of this research are parents of children with hearing impairment in Mojokerto. From the results of data collection conducted by semi-structured interview method, the following research results have been obtained. The factors that influence parenting in instilling the spirit of entrepreneurship are a limited time to study business because of the busy school time, and the talent that supports the child himself. The impact of the parenting pattern given even though children with disabilities appear the formation confident, independent, able to socialize with the environment, and unyielding to learn business.
Financial Management Based On Analysis Of Financial Accounting Standards For Entities Without Public Accountability (SAKETAP): Empirical Study on Kafanaa Mie and Chicken Restaurant Customers Lilik Ismawati; Sudarmiatin Sudarmiatin; Ludi Wishnu Wardana
International Journal of Economics and Management Research Vol. 2 No. 3 (2023): December : International Journal of Economics and Management Research
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v2i3.147

Abstract

This research aims to analyze the financial management of the Kafanaa Mie and Chicken restaurant based on the analysis of Financial Accounting Standards for Entities Without Public Accountability (SAK ETAP). The research method used is an empirical study with data collection techniques through interviews and observation. Unfortunately, the research results show that Kafanaa Mie and Chicken still has not carried out financial management of cash flow and has not prepared financial reports in accordance with SAK ETAP. This research provides recommendations for better financial management and preparing financial reports in accordance with SAK ETAP to improve restaurant financial performance.
Investıgatıng Taxpayers Intentıon To Accept Onlıne Tax Fıllıng System: An Indonesıan Perspectıve Umi Nandiroh; Heri Pratikto; Ludi Wishnu Wardana
Asian Journal of Management, Entrepreneurship and Social Science Vol. 4 No. 02 (2024): May, Asian Journal of Management Entrepreneurship and Social Science ( AJMESC
Publisher : Cita Konsultindo Research Center

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Abstract

The internet of things has encouraged the directorate general of taxes to reform the tax administration system, and the goal is none other than to provide optimal services to taxpayers. One form of reform carried out is e-filling media for making and reporting tax returns. This study examines the factors that influence taxpayers' interest in using e-filling with the UTAUT model. The quantitative approach was employed as the primary research design in this study. Purposive sampling was used as a sampling methodology, with the structured questionnaire's five-point Likert scale serving as an assessment scale and data collection tool. The bootstrap approach was used to examine the hypotheses given. The results show that performance expectations and facilitating conditions positively affect behaviour intention to accept e-filling. Effort expectations and social influences do not affect behaviour intention to accept e-filling.
Mediating Effects of Memorable Experience on Intention to Revisit: MSME Coffee Shop Perspective Abdullah Syakur Novianto; Heri Pratikto; Ludi Wishnu Wardana
Asian Journal of Management, Entrepreneurship and Social Science Vol. 4 No. 02 (2024): May, Asian Journal of Management Entrepreneurship and Social Science ( AJMESC
Publisher : Cita Konsultindo Research Center

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Abstract

MSME cafes are a type of MSME experiencing rapid development, especially in big cities. Cafe ANT is one of the MSME cafes that has a unique open space with nature and a wide menu of coffee choices. By using consumption value theory (CVT), this research aims to examine the impact of the dimensions of consumption value felt by visitors towards coffee drinks offered by Cafe ANT, including taste value, price value, memorable experience on intention to visit again. Using a survey, this research collected data from visitors who had experience visiting Cafe ANT. Partial least squares structural equation modelling was used to test the importance of the dimensions of taste value, price value, and memorable experience on revisit intention. The research results show that the value of taste and memorable experience influences the intention to visit again, while the price value does not influence the intention to visit again. Memorable experiences with a partner mediate the value of feelings towards the intention to visit again.
Determinants Of Investment Decisions Through Sharia P2P Lending Platforms By Lender’s Perspective Dewi Diah Fakhriyyah; Heri Pratikto; Ludi Wishnu Wardana
Asian Journal of Management, Entrepreneurship and Social Science Vol. 4 No. 02 (2024): May, Asian Journal of Management Entrepreneurship and Social Science ( AJMESC
Publisher : Cita Konsultindo Research Center

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Abstract

The increasing popularity of financial technology, especially P2P lending as an alternative financing for business actors and SMEs, can provide investment options for potential investors to also provide financing for business actors. An investor/or provider of funding for business actors will decide to fund a project based on project information quality, return perception and trust. The aim of this research is to determine the influence of project information quality, return perception and trust on the investment decision of lender. The population of this research is members of chat group who had taken part in the fintech sharia webinar which was organized by the Indonesian Sharia Fintech Association. The sampling technique is purposive sampling with the criteria is individuals who have provided funding through the sharia P2P lending platform, and sample size determined by slovin formula. The result is each of project information quality, return perception, and trust positively affect investment decision. This reseach have a contribution to Theory of Planned Behavior which shows that investment decision as an attitude toward behavior influence by subjective norms (project information quality and trust) and perceived behavioral control (return perception).
Co-Authors - Subhan A, Prihastya Raehana Abdul Wahab Abdullah Syakur Novianto Abdulloh Abdulloh Adelia Rahma Adelia Rahma Adi Hermawansyah Adinata, Alberta Aditya Baskoro Agnes Dini Mardani Agung Winarno Agus Hermawan Agus Hermawan Agus Kurniadi, Agus Agus Salim Agus Sumanto Agus Sumanto Agus Wibowo Agus Wibowo Agustin, Resty Ahmad Andrianto Ahmad Happy Nashrullah Ahmad Wahyudin Ahmad Wahyudin Aida Dwipriwanti Ainun Fuad Aji Prasojo Aji, Wasis Jatmiko Akha Anis Fitriah Alamsyah, Eko Alifah, Luthfi Nur Alimaningtyas, Deni Amalia, Nabila Amar Ma'ruf Genteng Amelia Setyawati AMELIA SETYAWATI AMELIA SETYAWATI, AMELIA Amelia Sugangga Amelia Sugangga Amenah Amenah Amin, Muhammad Sirojuddin Ananda Sriphol Ananta, Shahrul Dwi Andy Prasetyo Wati Aniek Indrawati Ari Purwianti Arif Isnaini Ashari, Regita Niken A’isy Fiklil Bachrodin, Hanis Bagus Setiawan Bagus Shandy Narmaditya Bakhrudin Bakhrudin Banu , Syahar Binti Mohd Mustamil , Norizah Brian Wicaksono Ardiansyah Budi Eko Soetjipto Chamdan Purnama Choirunnisa, Salsabila Safitri Chozin Christian Tjatur Cipto Wardoyo Darman, Andrianus desi kristanti, desi Dewi Diah Fakhriyyah Dewi, Anita Sumelvia Dian Mulyasari Dian Mulyasari Dian Tantri Diana Ambarwati Dias Intan Sholatiah Dieva Zahrohtu Anfi Dika Ayu Adininggar, Dika Ayu Dita Rachmawati Djoewita Djoewita Djoewita Djoewita Djoko Dwi Kusumojanto Dodyk Brahmatiyo Dwi santoso Dwi Wahyudi Dwivamilu Irianti Putri Dyah Ayu Fitriastuti Edi Murdiyanto Eka Febrianti, Silvia Eko Juni Wahyudi Eko Mety Setyowati Eko Mety Setyowati Eko Setiono Elfia Nora, Elfia Emilia Nur Cholifah Eni Noviani Erlina Puspita Istikomah Erwin Syahputra, Erwin Estu Setyo Purwantiningsih Esvanti, Mirza F. Danardana Muwarni Farij Ibadil Maula Fatmasari Endayani Fauzi, Khoiron Febriana Fitri Fika Septiandari Fitriadi, Agus Fitriah, Akha Anis Fitriastuti, Dyah Ayu Fransisca Ucik Pudjiastuti Fuji Santoso Fulgentius Danardana Murwani Fulgentius Danardana Murwani Fulgentius Danardana Murwani Ghozali, Mohammad Syukri Ghozali Gleydis Harwida Hanik Munaddifah Hanis Bachrodin Hari Wahyono Haribowo, Siget Fitrianto Hariyanti, Sri Harwida, Gleydis Heny Kusdiyanti, Heny Heri Pratikto Hevni Rahmania Husnah, Eni Mabarofiatul Ibadil Maula, Farij Ilham, Rachmad Imam Bukhori Imaniyah, Sari Ayu Indah Datin Nadliroh Indah K, Luluk Nur Indira Oktavianti Iradah Rahman Iradah Rahman Irfan Taufik, Irfan Irianto Uripan, Koen Irma Suryandari Irvan Agung N Ismawati, Lilik Iswanto, Huddy Iva Khoiril Mala Ivan Widjaja Iwan Agus Darmawan Izzatul Luthfiah Rahman Jaelani, Meta Humaira Jayanto, Septian Angga Dwi Jazuli Jazuli, Moh. Nasir Juwairia Juwairia Juwairia, Juwairia Konsultindo, Christian Tjatur Budi Kurnia Fatmawati Kusumawardani, Luluk Nur Indah Lailatul Rohmah Lailatul Rohmah Landreas Utama Lie Lestari, Ana Dwi Setyo Lestari, Yogi Dwi Lilik Ismawati Lilik Ismawati Lusiana Pratiwi Luthfi Nur Alifah M. Adi Trisna Wahyudi Mafatikhul Huda, Muhammad Rifqi Maghfiroh Maghfiroh Magwin, Dwi Ikrar Malik, Mochammad M. Manalu, Hotmarilitua Maretasari, Rina MARIA BINTANG Markhamah, Siti Martha, Jefry Aulia Maula, Farij Ibadil Mirza Esvanti Moch. Wahyu Widodo Moh Nasir Jazuli Moh. Faizin Moh. Ilham Mohamad Bastomi Mohammad Hari Mubarokah, Rovia Titin Muhammad Maulana Ibrahim Muttaqien, Zaenul Nabila Amalia Nafisah Nafisah Nafisah, A’isy Fiklil Najimul Baldan Narisin Narisin Nasikh Nasikh Ningrum, Vira Setya Novilia, Evita Nurika Restuningdiah Nuril Aulia Munawaroh Nurjayanti, Atri Yunita Nurul Wahyuni Nurul Wahyuni NURYANTI, RIZKY Nyuherno Aris Wibowo Nyuherno Aris Wibowo Osiyo, Immanuel Ustradi Prabowo, Stanley Pratiwi, Galuh Aulia Pratiwi, Kunti Endah Pratiwi, Rani Julia Prihastya Raehana.A Pudjiastuti, Fransisca Ucik Puji Handayati Purwantiningsih, Estu Setyo Purwianti, Ari Putri, Erna D. S. R Rizky Nuryanti Rachmad Hidayat Rachmad Hidayat Rachman, Tutut Arif Rachmawati, Dita Rafikhein Novia Ayuanti Rafikhein Novia Ayuanti Ragil Retno Palupi Rahman, Iradah Rahman, Izzatul Luthfiah Rahmawati Rahmawati Rakei Yunardhani Ratih Febrianti Rayyan Sugangga Rayyan Sugangga Restu Millaningtyas Ria Indra Novita Rianzah Munawaroh Rieska Maharani Rike Selviasari Rike Selviasari RIZKY NURYANTI Ryzka Anggar Kusuma Saiful Anam Saiful Arif Saiful Arif santoso, fuji Sari Ayu Imaniah Satia Nur Maharani Sa’diyah, Yuni Aminatus Shofia Azahra Sidyawati, Lisa Siska Purwanti Siti Nur Khoiriyah Siti Rahayuningsih Soetjipto , Budi Eko Sopiah Sopiah Sopiah, Sopiah Sri Umi Mintarti Sri Wileng Sri Wilujeng Sri Yuliani Pangesti Sriarianie Sriarianie Sudarmiatin Sugangga, Rayyan Sugeng Hadi Utomo Sugihartono, Agus Sumiati Sumiati Sumiati Sunariyadi SUTOMO Sutomo Sutomo Sutoyo Syafitri, Dinda Syafrozi Haqi Thusy Tiara Saraswati Tiara Saraswati, Thusy Tita Ratnawati Titis Shinta Dhewi, Titis Triono, Edy Tristanto, Aris Wahyu Uki Yonda Asepta Umar, Haniatur Rofiqoh Umi Nadhiroh Umi Nandiroh Ustadus Sholihin Ustradi Osiyo, Immanuel Utami, Rizki Amalia Wahyuningtiyas, Nanik Wardana Wardana Wardani, Yusnita Wati, Andi Prasetyo Wening Patmi Rahayu Wibowo, Nyuherno Aris Yosi Mariana Yuli Agustina, Yuli Yuli Soesetio Yuni Aminatus Sa’diyah Yusuf Yusuf Yusuf Zahidah Ismah Nabilah Zahro, Aizatuz Zahroh, Ainun