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Dampak Digitalisasi terhadap Inovasi Teknologi pada Usaha Mikro, Kecil, dan Menengah Mohamad Chaidir; Grace Yulianti; Seger Santoso
Jurnal Visi Manajemen Vol. 10 No. 2 (2024): Jurnal Visi Manajemen
Publisher : Sekolah Tinggi Ilmu Ekonomi Pariwisata Indonesia Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56910/jvm.v10i2.523

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This study aims to examine the impact of digitalization on technological innovation in Micro, Small, and Medium Enterprises (MSMEs) through a qualitative literature review approach. In the era of digital transformation, MSMEs face various opportunities and challenges. Digitalization has the potential to enhance MSMEs' competitiveness by accelerating product, service, and business process innovation, but it also requires them to overcome limitations such as limited technological skills and financial constraints. By analyzing previous studies using the bivariate probit model, this study finds that digital technology adoption is positively correlated with increased innovation in MSMEs. Digitalization has been shown to expand market access, improve operational efficiency, and strengthen MSMEs' adaptability to changes in the business environment. However, internal and external barriers, such as low digital literacy and limited funding access, remain significant obstacles. This study emphasizes the importance of support from the government and related institutions in providing training and funding access so that MSMEs can fully leverage digitalization for sustainable innovation.
Dampak Keterlibatan Institusi Keuangan terhadap Sophistication Finansial dan Pengeluaran Konsumen Benardi Benardi; Ngadi Permana; Mohammad Chaidir
Jurnal Visi Manajemen Vol. 10 No. 2 (2024): Jurnal Visi Manajemen
Publisher : Sekolah Tinggi Ilmu Ekonomi Pariwisata Indonesia Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56910/jvm.v10i2.555

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This study aims to examine the impact of financial institutions' involvement on financial sophistication and consumer spending through a literature review. Various relevant studies indicate that financial institutions' involvement through financial education, innovative financial products, and financial literacy can enhance consumers' understanding in making smarter financial decisions. These positive impacts include better spending management and the shift from consumptive spending to long-term investments. However, the success of this involvement is influenced by social, economic, and psychological factors that affect the adoption and effectiveness of financial programs. This study concludes that financial institutions play a crucial role in increasing financial sophistication, but external factors need to be considered for optimal results.
Pengaruh Volatilitas Ekuitas dan Leverage terhadap Risiko Investasi Mohamad Chaidir; Grace Yulianti; Benardi Benardi
Jurnal Visi Manajemen Vol. 10 No. 1 (2024): Jurnal Visi Manajemen
Publisher : Sekolah Tinggi Ilmu Ekonomi Pariwisata Indonesia Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56910/jvm.v10i1.556

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This study aims to analyze the impact of equity volatility and leverage on investment risk, focusing on the relationship between debt overhang and equity option value. Through a qualitative literature review, this research reveals that equity volatility plays a role in reducing companies' incentives to invest, especially amid market uncertainty. Meanwhile, high leverage can worsen a company's inability to invest due to the heavy debt burden. The phenomenon of debt overhang causes companies to be reluctant to invest because the benefits generated from such investments are primarily enjoyed by creditors. This study provides valuable insights into the interaction between equity volatility, leverage, and debt overhang in corporate investment decision-making, as well as the importance of effective financial risk management.
Corporate Governance in Acquisitions : Opportunities and Challenges Mohamad Chaidir; Benardi Benardi; Seger Santoso
Indonesian Economic Review Vol. 4 No. 2 (2024): Indonesian Economic Review
Publisher : Cahaya Abadi Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53787/iconev.v4i1.35

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This study aims to analyze the role of acquisitions in corporate governance transfer, focusing on the impact of governance gaps between the acquiring and target companies before the acquisition. Through a qualitative literature review, this research identifies that the existing governance gaps can affect the success of post-acquisition integration and its impact on the long-term performance of the acquired company. Previous studies have shown that acquisitions can provide an opportunity to improve corporate governance practices; however, their success heavily depends on managing the governance differences between the two entities. Additionally, factors such as organizational culture, managerial readiness, and communication policies also play a significant role in facilitating effective governance transfer. The conclusion of this study is that although acquisitions can offer benefits in terms of governance transfer, managing governance gaps effectively is crucial to achieving optimal outcomes. This research contributes to the understanding of governance transfer dynamics in the context of acquisitions and provides insights for practitioners and policymakers involved in the corporate acquisition process.
The Synergy of Artificial Intelligence and Digital Innovation Hubs in Driving Digital Innovation For MSMES Eka Wahyu Kasih; Ngadi Permana; Mohammad Chaidir
Indonesian Economic Review Vol. 4 No. 1 (2024): Indonesian Economic Review
Publisher : Cahaya Abadi Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53787/iconev.v4i1.37

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This study aims to explore the role of collaboration between artificial intelligence (AI) platforms and Digital Innovation Hubs (DIHs) in enhancing the digital transformation of SMEs. Digital transformation is key to ensuring the sustainability and competitiveness of SMEs in the digital age, yet many face challenges in adopting advanced technologies. Collaboration between AI and DIHs can offer solutions to overcome these barriers. AI platforms provide automation and data analytics capabilities, while DIHs offer technical support, training, and innovation facilities to assist SMEs in implementing technology. This study uses a qualitative literature review methodology to identify and analyze previous research related to this topic. The findings suggest that this collaboration can enhance productivity, operational efficiency, and market access for SMEs. However, challenges such as resource limitations, resistance to change, and digital readiness of SMEs are critical factors to consider in its implementation. This research provides valuable insights for policymakers, academics, and practitioners in designing strategies to accelerate the digital transformation of SMEs through collaboration between AI and DIHs.
PERAN TEKNOLOGI KEUANGAN (FINTECH) DALAM MENDORONG PERTUMBUHAN EKONOMI DAN INKLUSI KEUANGAN DI INDONESIA: TANTANGAN DAN PELUANG Yulianti, Grace; Chaidir, Mohammad; Pramono, A. Sigit
Citizen : Jurnal Ilmiah Multidisiplin Indonesia Vol. 4 No. 4 (2024): CITIZEN: Jurnal Ilmiah Multidisiplin Indonesia
Publisher : DAS Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53866/jimi.v4i4.649

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Penelitian ini mengkaji peran penting teknologi keuangan (fintech) dalam pembangunan dan pertumbuhan ekonomi Indonesia. Perkembangan teknologi digital di Indonesia menunjukkan kemajuan signifikan dengan jumlah pengguna internet mencapai 210 juta pada tahun 2022. Studi ini menggunakan pendekatan kualitatif deskriptif dengan metode studi literatur komprehensif, menganalisis dokumen dan publikasi dari lembaga pemerintah serta riset terkemuka. Hasil penelitian menunjukkan bahwa sektor fintech telah berkontribusi signifikan terhadap ekonomi digital Indonesia dengan nilai transaksi mencapai USD77 miliar pada 2022 dan proyeksi pertumbuhan hingga USD130 miliar pada 2025. Kehadiran lebih dari 2.300 startup, termasuk satu decacorn dan beberapa unicorn, menunjukkan potensi besar industri ini. Meski demikian, masih terdapat tantangan seperti kesenjangan akses digital antara wilayah perkotaan dan pedesaan, dengan 12.548 desa belum terjangkau internet. Penelitian ini menyimpulkan bahwa pengembangan fintech memerlukan kerangka regulasi komprehensif dan kolaborasi antar pemangku kepentingan untuk mendukung inklusi keuangan dan pertumbuhan ekonomi berkelanjutan di Indonesia.
STRATEGI PEMASARAN DIGITAL: MEMAHAMI PERJALANAN KONSUMEN DI ERA DIGITAL Chaidir, Mohammad; Irawan, Dadang; Benardi
Citizen : Jurnal Ilmiah Multidisiplin Indonesia Vol. 4 No. 4 (2024): CITIZEN: Jurnal Ilmiah Multidisiplin Indonesia
Publisher : DAS Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53866/jimi.v4i4.650

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Penelitian ini bertujuan untuk menganalisis strategi pemasaran digital yang efektif dalam meningkatkan keterlibatan pelanggan di era digital. Dengan menggunakan pendekatan kualitatif dan metode studi kasus, penelitian ini mengeksplorasi perubahan perilaku konsumen akibat transformasi digital serta bagaimana perusahaan dapat mengoptimalkan setiap tahap dalam customer journey. Hasil penelitian menunjukkan bahwa pemanfaatan teknologi seperti kecerdasan buatan dan analitik data sangat penting untuk menciptakan pengalaman pelanggan yang personal dan relevan. Selain itu, integrasi berbagai saluran pemasaran digital menjadi kunci untuk membangun hubungan yang lebih mendalam antara brand dan konsumen, serta meningkatkan loyalitas pelanggan. Penelitian ini memberikan rekomendasi strategis bagi pelaku bisnis untuk merancang kampanye pemasaran yang lebih efektif dan berorientasi pada kebutuhan konsumen.
Peran Struktur Tata Kelola Internal dalam Meningkatkan Efisiensi Modal Intelektual di Perbankan Syariah Chaidir, Mohammad; Kasih, Ekawahyu
Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Vol. 6 No. 2 (2022)
Publisher : Universitas Muhammadiyah Prof. DR. HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/alurban_vol6.i2/17419

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This study aims to analyze the role of internal governance structures in enhancing intellectual capital efficiency in Islamic banking using the stakeholder theory approach. The method employed is a qualitative literature review by analyzing eight previous studies related to internal governance and intellectual capital. The results indicate that an effective internal governance structure, including the role of the Sharia Supervisory Board, accountability, transparency, and inclusive management, significantly enhances human capital, structural capital, and relational capital. Strong governance enables Islamic banking to improve competitiveness, operational efficiency, and sustainability. Additionally, investments in employee training, technology-driven Sharia innovations, and stakeholder relationship management are critical factors in optimizing intellectual capital. However, the limitations of this study include reliance on secondary data, a focus on specific regions, and a lack of quantitative analysis. This study contributes theoretically by emphasizing the importance of stakeholder-based governance in driving intellectual capital efficiency in Islamic banking.
Forecasting Cerdas: Kunci Sukses Bisnis Mohamad Chaidir; Ruslaini Ruslaini; Shinta Amelia
Cakrawala: Jurnal Pengabdian Masyarakat Global Vol. 4 No. 1 (2025): Cakrawala: Jurnal Pengabdian Masyarakat Global
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/cakrawala.v4i1.3786

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This research examines the role of intelligent forecasting as a key element in modern business success. By leveraging artificial intelligence (AI) technology, big data analytics, and machine learning, intelligent forecasting enables companies to predict market trends and optimize strategic decision-making. The research method was conducted through online webinars involving academics, practitioners, and business actors. The results showed that intelligent forecasting could improve accuracy by up to 98.2% and prediction ratio by 96.5%. However, MSMEs still face challenges in adopting this technology, including limited resources and technological understanding. This research concludes that intelligent forecasting is vital in improving operational efficiency and business competitiveness, but a more inclusive approach is needed to ensure wider adoption across various business scales.
Business Model Innovation in Small Ventures: A Resource-Based Perspective on Managerial Ties and External Ecosystems Grace Yulianti; Mohammad Chaidir
Studia Ekonomika Vol. 23 No. 1 (2025): Januari: Studia Ekonomika
Publisher : STIE KASIH BANGSA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70142/studiaekonomika.v23i1.273

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This qualitative literature review investigates the role of managerial ties, external ecosystems, and the resource-based perspective in fostering business model innovation (BMI) in small ventures. By examining a range of studies, the review highlights how small businesses leverage managerial ties to access critical resources, knowledge, and networks that enable innovation. Additionally, the review explores the importance of engaging with external ecosystems, such as suppliers, customers, and research institutions, in enhancing the business model innovation process. Drawing on the resource-based view (RBV), the study emphasizes the significance of both tangible and intangible resources for successful innovation. The findings suggest that small ventures with strong managerial ties and dynamic capabilities are more likely to navigate the complexities of BMI. This review contributes to a deeper understanding of the factors that influence business model innovation in small ventures, offering valuable insights for both researchers and practitioners.