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Bridging the Gap: Exploring Borrowers' Perspectives on Peer-to-Peer Lending and Financial Literacy in Small Businesses Mohammad Chaidir; Grace Yulianti
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.v23i1.274

Abstract

This qualitative literature review explores the perspectives of borrowers in small businesses regarding peer-to-peer (P2P) lending and financial literacy. It examines the growing importance of P2P lending as an alternative financing option for small businesses, especially in contexts with limited access to traditional financial institutions. The review highlights that while P2P lending offers flexibility and accessibility, borrowers' financial literacy remains a critical factor in ensuring successful engagement with these platforms. Limited financial knowledge can lead to poor decision-making and repayment challenges. This study underscores the need for financial education to bridge the gap, improve borrowers' decision-making processes, and enhance the overall effectiveness of P2P lending in supporting small business growth. The findings contribute to a deeper understanding of how financial literacy impacts borrowers' experiences with alternative financing models.
The Influence of Entrepreneurship Education and Industrial Work Practices on Interest in Entrepreneurship in State Vocational High School Students in the Central Jakarta Region Grace Yulianti; M Chaidir; Ngadi Permana
Jurnal Ad'ministrare Volume 9, Issue 2, July-December 2022
Publisher : Pendidikan Administrasi Perkantoran, Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/ja.v9i2.42945

Abstract

This study aims to determine the effect of Entrepreneurship Education and Industrial Work Practices on Entrepreneurial Interests of State Vocational High School Students in the Central Jakarta Region. The research sample was 294 school students at 5 State Vocational Schools in Central Jakarta. Data collection was carried out through a survey method using a Google form which was distributed to the respondents. The collected data were then analyzed using multiple regression techniques using the E-views program. The results showed that entrepreneurship education and industrial work practices had a positive and significant effect on the interest in entrepreneurship at State Vocational High Schools in the Central Jakarta Region.
Pengungkapan Risiko Keamanan Siber: Dampaknya Terhadap Hubungan Pelanggan-Pemasok Dalam Rantai Pasok Perusahaan Mohamad Chaidir; Ngadi Permana; Grace Yulianti
Jurnal Visi Manajemen Vol. 10 No. 3 (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.v10i3.586

Abstract

This study explores the impact of cybersecurity risk disclosure on customer-supplier relationships in corporate supply chains through a qualitative literature review approach. The findings reveal that transparency in cybersecurity risk disclosure enhances trust, relationship stability, and operational efficiency within supply chains. Conversely, a lack of disclosure or poor risk management can damage reputations, create uncertainty, and weaken collaboration between business partners. The study also highlights the importance of adequate regulations, risk mitigation strategies, and the adoption of new technologies in managing cybersecurity. While offering significant insights, this study has limitations, including reliance on secondary literature and variations in industry contexts. Future research is recommended to include empirical testing and the exploration of new technologies to strengthen cybersecurity risk management in supply chains.
Peran Stakeholder Dalam Mengukur Rente Ekonomi Perusahaan: Perspektif Baru Terhadap Keunggulan Kompetitif Grace Yulianti; Mohamad Chaidir; Farah Qalbia
Jurnal Visi Manajemen Vol. 11 No. 1 (2025): 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.v11i1.596

Abstract

This study aims to explore the role of stakeholders in measuring a company's economic rent and its relationship with competitive advantage. Using a qualitative approach through a literature review, this research analyzes various perspectives and findings on how relationships with stakeholders can influence the creation and utilization of economic rent by companies. The main findings suggest that stakeholders play a crucial role in the value creation process, where effective relationships with both internal and external stakeholders can strengthen a company's competitiveness. This study also highlights the importance of holistic stakeholder management in facing increasingly complex competitive challenges. The findings offer new insights into the role of stakeholders in supporting a company's competitive advantage in a dynamic business environment.
Transformasi Digital dalam Manajemen Keuangan: Studi Kasus pada UMKM Indonesia di Era Ekonomi Digital Mohamad Chaidir; Ruslaini Ruslaini; Dadang Irawan
Jurnal Mahasiswa Manajemen dan Akuntansi Vol. 4 No. 1 (2025): April-September: JUMMA'45: Jurnal Mahasiswa Manajemen dan Akuntansi
Publisher : Fakultas Ekonomi Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/jumma45.v4i1.4138

Abstract

This study analyzes the impact of digital transformation on the financial management of micro, small, and medium enterprises (MSMEs) in Indonesia in the digital economy era. MSMEs play a crucial role in the national economy but face challenges such as low digital and financial literacy levels, limited technology access, and uneven infrastructure. Digital transformation offers various opportunities, including operational efficiency, financial reporting transparency, and access to fintech-based financial services. However, risks such as data security and resistance to change remain concerns. This research uses a literature review method to identify strategies that can support MSMEs in adopting digital technology. The findings indicate that digital literacy, government support, and technological infrastructure development are key elements in maximizing the benefits of digital transformation. This study provides practical contributions for MSME actors and policymakers to create an ecosystem that supports the sustainability and competitiveness of MSMEs in the digital era.
Pengaruh Literasi Keuangan terhadap Keberlanjutan Bisnis UMKM di Indonesia Mohammad Chaidir; Grace Yulianti; Ruslaini Ruslaini
JUMBIWIRA : Jurnal Manajemen Bisnis Kewirausahaan Vol. 4 No. 1 (2025): April : Jurnal Manajemen Bisnis Kewirausahaan
Publisher : BADAN PENERBIT STIEPARI PRESS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56910/jumbiwira.v4i1.2079

Abstract

This study examines the impact of financial literacy on the business sustainability of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. MSMEs play a strategic role in the national economy but face challenges such as limited access to financing and suboptimal financial management. Financial literacy is key in helping MSMEs manage cash flow, access formal financial services, and make sound investment decisions. This research employs a literature review method to evaluate the relationship between financial literacy and MSME business sustainability. The findings reveal that financial literacy influences financial decision-making, enhances access to financing, and reduces financial risks. Additionally, aspects such as budget planning, debt management, and the use of financial technology significantly affect MSME sustainability. This study provides strategic recommendations, including implementing integrated financial literacy education programs utilizing digital technology and collaborating with financial institutions to support sustainable MSME growth.
Analisis Efektivitas Program Corporate Social Responsibility (CSR) terhadap Citra Perusahaan di Sektor Keuangan Dadang Irawan; Mohammad Chaidir; Benardi Benardi
EKONOMIKA45 :  Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan Vol. 12 No. 2 (2025): Juni: Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan
Publisher : Fakultas Ekonomi Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/ekonomika45.v12i2.4133

Abstract

This study aims to analyze the effectiveness of Corporate Social Responsibility (CSR) programs in enhancing corporate image in the financial sector and to identify key factors influencing their success. CSR has become a crucial strategy for companies to build positive relationships with society and establish a strong reputation. Through a literature review approach, this research evaluates how well-structured and integrated CSR implementation with business strategies can strengthen corporate image. The findings indicate that the success of CSR depends on its integration with core business operations, active stakeholder engagement, transparency, and accountability in reporting. Additionally, CSR programs tailored to local community needs can create significant social impact while supporting the company’s business sustainability. This study provides strategic recommendations for improving CSR implementation effectiveness, including the importance of collaboration with local communities and transparent reporting practices. Consequently, CSR contributes to corporate reputation and creates long-term value for society and other stakeholders.
Managerial Self-Interest, Investment Decisions, and Stock Market Valuation: A Comprehensive Analysis of Theoretical Frameworks and Empirical Findings Chaidir, Mohammad; Benardi, Benardi; Patricia, Mia Christy
International Journal of Business, Marketing, Economics & Leadership (IJBMEL) Vol. 2 No. 3 (2025): August: International Journal of Business, Marketing, Economics & Leadership
Publisher : LPPM STIE Kasih Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70142/ijbmel.v2i3.288

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This qualitative literature review explores the intricate relationship between managerial self-interest, corporate investment decisions, and stock market valuation. By synthesizing theoretical models and empirical evidence, the study highlights how equity-based managerial incentives and information asymmetry influence investment strategies and market perceptions. The findings emphasize the role of catering theory, illustrating how managers align investment choices with market sentiment to maximize short-term valuation, often at the expense of long-term value creation. Additionally, the review underscores the significance of financial reporting quality and governance structures in mitigating the risks of misaligned incentives. While the review provides valuable insights, it acknowledges limitations related to scope, emerging market contexts, and the evolving financial landscape. The study concludes by advocating for enhanced transparency and regulatory reforms to align managerial incentives with sustainable shareholder value.
Pengaruh Likuiditas, Profitabilitas dan Leverage terhadap Nilai Perusahaan Sektor Consumer Non-Cyclicals yang Terdaftar di Bursa Efek Indonedia (BEI) Periode 2021-2024 Nurul Jannah; Sigit Pranomo Hadi; Mohammad Chaidir
EKONOMIKA45 :  Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan Vol. 13 No. 1 (2025): Desember : Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan
Publisher : Fakultas Ekonomi Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/ekonomika45.v13i1.4926

Abstract

This study aims to analyze the effect of liquidity, profitability, and leverage on firm value, both partially and simultaneously, in consumer non-cyclicals sector companies listed on the Indonesia Stock Exchange (IDX). Firm value is an important indicator for stakeholders because it reflects investor perceptions of a company’s overall performance and future prospects. Liquidity, as the company’s ability to meet short-term obligations, profitability, as its capacity to generate net income from operational activities, and leverage, as the extent of debt utilization in financing, are fundamental financial factors that can influence how investors assess firm value. The research adopts a quantitative approach with secondary data derived from annual financial statements of companies within the consumer non-cyclicals sector during the 2021–2024 period. Multiple linear regression analysis was employed along with classical assumption tests to ensure model validity, and both partial and simultaneous tests were conducted to examine the hypotheses. The empirical findings reveal that liquidity, profitability, and leverage each have a positive and significant effect on firm value when tested partially, indicating that improvements in these financial indicators contribute directly to increasing firm value. Moreover, the simultaneous testing confirms that the three variables together exert a significant influence, underscoring the importance of a comprehensive financial management strategy. These results highlight that optimal management of liquidity to maintain financial flexibility, maximization of profitability through efficient operations, and prudent use of leverage to balance risks and returns can enhance investor confidence, strengthen competitive positioning, and ultimately increase firm value. The study provides practical implications for managers in formulating strategies that integrate financial policies holistically, as well as for investors in evaluating companies based on their financial structure and performance sustainability.
Mengungkap Pengaruh Biaya Perdagangan dan Faktor Risiko terhadap Kinerja Hedge Fund Ngadi Permana; Mohammad Chaidir; Sri Utami Nurhasanah
Master Manajemen Vol. 2 No. 2 (2024): Master Manajemen
Publisher : Fakultas Ekonomi & Bisnis, Universitas Nusa Nipa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59603/masman.v2i2.683

Abstract

This study examines the impact of trading costs and related factors on the unobserved performance of hedge funds through a qualitative literature review approach. The review covers recent studies on explicit and implicit costs, liquidity risk, portfolio complexity, hedge fund size, and risk management strategies. The findings reveal that trading costs significantly affect the net returns of hedge funds, while liquidity risk and portfolio complexity hinder asset management efficiency. Large hedge funds benefit from economies of scale but face challenges in risk management and transparency. The study also highlights that data-driven risk management strategies can enhance long-term return stability. This research underscores the need for a holistic evaluation to understand hedge fund performance and discusses limitations associated with the qualitative approach.