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All Journal Syntax Literate: Jurnal Ilmiah Indonesia Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah Jurnal Manajemen Universitas Bung Hatta EKOMABIS: Jurnal Ekonomi Manajemen Bisnis Jurnal Ipteks Terapan : research of applied science and education Literacy : International Scientific Journals of Social, Education, Humanities Sanskara Ekonomi dan Kewirausahaan West Science Business and Management e-Jurnal Apresiasi Ekonomi West Science Social and Humanities Studies Prosiding Seminar Nasional Unimus
Rika Desiyanti
FEB Universitas Bung Hatta Padang
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Pengaruh Literasi Keuangan dan Pengelolaan Keuangan Terhadap Kinerja dan Keberlangsungan UMKM di Kota Padang Rika Desiyanti; Chrismondari Chrismondari; Adnan Raja Romero
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 2 (2023)
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v8i2.12322

Abstract

The study aims to analyze the impact of financial literacy and financial management on the performance and sustainability of micro, small, and medium enterprises (MSMEs) in Padang City. This research is quantitative, and it uses primary data obtained through questionnaires. This research population is an MSMEs perpetrator in the city. Sampling techniques in research use census techniques. Around 150 people participated in the event. The data was processed with SPSS software for Windows version 22. The results of this study indicate that financial literacy has a positive impact on the performance of MSMEs and business sustainability; financial management has positive experience with the sustainability of enterprises; and financial management is consistent with the outcomes of MSMEs.
Faktor Yang Mempengaruhi Tingkat Kepercayaan Penggunaan EKinerja Pada Universitas Bung Hatta Dengan Menggunakan Model Technology Accaptance Model Ice Kamela; Zeshasina Rosha; Rika Desiyanti; Afifah Windi
Prosiding Seminar Nasional Unimus Vol 6 (2023): Membangun Tatanan Sosial di Era Revolusi Industri 4.0 dalam Menunjang Pencapaian Susta
Publisher : Universitas Muhammadiyah Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penggunaan Teknologi Informasi yang berkembang begitu pesat sangat diperlukan pada saat ini. Dengansemakin populernya jaringan internet, ponsel pintar dan internet yang semakin luas dengan biaya yangsemakin relatif murah, dengan berbagai macam aplikasi perangkat keras (hardware), perangkat lunak(software) yang dapat digunakan untuk mendukung aktifitas manusia dalam kehidupan sehari-hari. Yangdapat menjadikan budaya dari kehidupan kegiatan modern yang tak dipisahkan terhadap manusia tersebut.Universitas Bung Hatta telah menerapkan E-kinerja dosen tetapnya untuk mendapatkan informasi secaracepat, akurat dan up to date secara elektronik, Penelitian ini berguna untuk mengukur aplikasi e-kinerjadosen dengan menggunakan komputer serta pengukuran konstruk kemampuan menggunakan komputer,sikap, minat, persepsi kemudahan penggunaan, persepsi kegunaan, dan penggunaan perangkat yangsepatutnya  aplikasi e-kinerja dosen, menggunakan data primer kepada 95 orang dosen tetap dengan caramengedarkan kuestioner. Hasil pengolahan data dengan menggunakan Smart PLS mendapatkan hasilbahwa kemampuan dosen dalam menggunakan komputer berpengaruh positif dan signifikan terhadappersepsi kemudahan didalam menggunakan komputer. Sedangkan  Persepsi kemudahan dalammenggunakan komputer dan persepsi kegunaan berpengaruh positif dan signifikan terhadap sikappengguna. Sikap pengguna komputer  berpengaruh positif dan signifikan terhadap minat perilakumenggunakan komputer. Minat perilaku menggunakan komputer  berpengaruh positif dan signifikanterhadap penggunaan sepatutnya. Tidak ada pengaruh kemampuan menggunakan komputer terhadappersepsi kegunaan aplikasi e-kinerja dosen. Kata Kunci : E-kinerja, Technology Accaptance Model, Dosen.
Pengaruh Literasi Keuangan, Inklusi Keuangan dan Digital Payment Terhadap Kinerja UMKM Makanan & Minuman di Kota Padang: The Influence of Financial Literacy, Financial Inclusion, and Digital Payment, on The Performance of Food & Beverage MSMEs in Padang City Gita Mai Rani; Rika Desiyanti
EKOMABIS: Jurnal Ekonomi Manajemen Bisnis Vol. 5 No. 02 (2024): Ekomabis Edisi Juli 2024
Publisher : LPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/ekomabis.v5i02.1403

Abstract

Fokus dari penelitian ini adalah untuk mengetahui bagaimana literasi keuangan, inklusi keuangan, dan digital payment mempengaruhi kinerja usaha kecil dan menengah (UMKM) makanan dan minuman di Kota Padang. Dalam analisis ini menggunakan sampel sebesar 87 partisipan. Pendekatan validitas yang dipakai yaitu confirmatory factor analysis (CFA), sementara analisis regresi berganda dengan menggunakan STATA 12 dipakai untuk pengujian hipotesis dalam penelitian ini. Data yang diperoleh dari hasil temuan ini menunjukan bahwa literasi keuangan dan inklusi keuangan tidak mendukung hipotesis, sementara itu digital Payment memberikan pengaruh positif terhadap kinerja UMKM makanan dan minuman di Kota Padang. Penelitian ini menyoroti perlunya perhatian khusus dalam pengembangan dan pemanfaatan strategi pengetahuan finansial layanan keuangan yang lebih efektif untuk UMKM agar dapat mencapai dampak positif yang besar terhadap pertumbuhan dan keberlanjutan usaha. Penelitian ini juga memberikan wawasan berharga bagi pelaku UMKM dan pihak terkait untuk meningkatkan digital payment sebagai upaya peningkatan produktivitas UMKM. The purpose of this research is to determine the effects of digital payments, financial inclusion, and financial literacy on the performance of food and beverage micro, small, and medium-sized enterprises (MSMEs) in Padang City. A sample of 87 responders was employed in this investigation. Within this research, the hypothesis is tested through multiple regression analysis using STATA 12, and the validity method is confirmatory factor analysis (CFA). The findings of the research show that while the performance of Padang City’s food and beverage MSMEs is positively impacted by digital payment, financial literacy and financial inclusion do not support the hypothesis. This study emphasizes the necessity of giving greater consideration to creating and implementing more efficient financial inclusion and literacy initiatives for MSMEs in order for them to have.
The Effect of Work-Life Balance, Product Branding, and Use of Fintech Technology on Operational Efficiency of Start-ups in Yogyakarta Mei Rani Amalia; Rika Desiyanti; Rully Fildansyah
West Science Social and Humanities Studies Vol. 2 No. 09 (2024): West Science Social and Humanities Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsshs.v2i09.1299

Abstract

This study examines the effects of work-life balance, product branding, and fintech technology on the operational efficiency of start-up companies in Yogyakarta. A quantitative approach was employed, with data collected from 80 respondents using a structured questionnaire and analyzed with SPSS version 26. The results indicate that all three variables have significant positive effects on operational efficiency. Product branding had the strongest impact, followed by fintech technology and work-life balance. The findings suggest that start-up managers can enhance operational performance by prioritizing employee well-being, investing in effective branding strategies, and adopting fintech solutions. These insights contribute to the understanding of key drivers of operational efficiency in the start-up ecosystem and offer practical implications for improving start-up sustainability.
Analysis of the Influence of Social Capital, Innovation, and Market Orientation on the Growth of Micro and Small Enterprises in the Special Region of Jakarta Frans Sudirjo; Bhaswarendra Guntur Hendratri; Rika Desiyanti; Eko Sudarmanto
West Science Business and Management Vol. 2 No. 03 (2024): West Science Business and Management
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsbm.v2i03.1276

Abstract

This study examines the effects of social capital, innovation, and market orientation on the growth of Micro and Small Enterprises (MSEs) in the Special Capital Region of Jakarta. Using a quantitative research approach, data were collected from 160 MSEs through a structured questionnaire, and the relationships between the variables were analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS). The results reveal that all three factors—social capital, innovation, and market orientation—significantly contribute to the growth of MSEs. Innovation was identified as the most critical factor, followed by social capital and market orientation. The findings highlight the importance of fostering innovation, adopting market-oriented strategies, and leveraging social networks for the sustainable growth of MSEs. This study provides valuable insights for entrepreneurs and policymakers on how to support the development of MSEs in competitive urban environments.
Dampak Implementasi Ekonomi Berkelanjutan dan Solusi Inovasi Sosial terhadap Kinerja Finansial dan Reputasi Perusahaan Start-up di Indonesia Marliani, Gusti; Judijanto, Loso; Handayani, Tatik; Sulistyaningsih, Elli; Desiyanti, Rika
Sanskara Ekonomi dan Kewirausahaan Vol. 3 No. 01 (2024): Sanskara Ekonomi dan Kewirausahaan (SEK)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/sek.v3i01.460

Abstract

Penelitian ini menyelidiki dampak implementasi ekonomi berkelanjutan dan solusi inovasi sosial terhadap kinerja keuangan serta reputasi perusahaan start-up di Indonesia. Dengan pendekatan kuantitatif, data dari 270 perusahaan start-up dikumpulkan melalui kuesioner terstruktur dengan skala Likert 1-5, dan dianalisis menggunakan Structural Equation Modeling-Partial Least Squares (SEM-PLS) untuk menguji hubungan antar variabel. Hasil menunjukkan bahwa praktik ekonomi berkelanjutan dan solusi inovasi sosial berpengaruh positif dan signifikan terhadap kinerja keuangan dan reputasi perusahaan, di mana inovasi sosial memiliki dampak lebih kuat terhadap reputasi, sementara implementasi ekonomi berkelanjutan lebih memengaruhi kinerja keuangan. Temuan ini menegaskan pentingnya integrasi strategi keberlanjutan dan inovasi sosial bagi perusahaan rintisan untuk mencapai kesuksesan finansial dan reputasi pasar yang kuat. Studi ini memberikan wawasan berharga bagi wirausahawan, investor, dan pembuat kebijakan, menyoroti pentingnya mendorong keberlanjutan dan inovasi dalam ekosistem kewirausahaan di Indonesia.
The Effect of Company Image and Service Quality on Customer Loyalty with Customer Satisfaction as a Mediating Variable : (Case Study on CV. Sahabat Bumi in Merangin Regency, Jambi Province) Pertiwi Mulyani; Reni Yuliviona; Rika Desiyanti; Zeshasina Rosha
LITERACY : International Scientific Journals of Social, Education, Humanities Vol. 4 No. 1 (2025): April : International Scientific Journals of Social, Education, Humanities
Publisher : Badan Penerbit STIEPARI Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56910/literacy.v4i1.2924

Abstract

This study is motivated by the fluctuating number of customers of CV. Sahabat Bumi, which operates in the palm oil trading sector in Merangin Regency, Jambi Province. The declining trend of customer loyalty highlights the need to examine the factors that influence it. The aim of this research is to analyze the effect of corporate image and service quality on customer loyalty with customer satisfaction as a mediating variable. This quantitative research involved 141 active customers who had made at least two transactions. Data were collected using a Likert-scale questionnaire and analyzed using structural equation modeling. The results show that corporate image has a positive effect on both customer loyalty and satisfaction, whereas service quality does not have a positive effect on either loyalty or satisfaction. Customer satisfaction is proven to mediate the relationship between corporate image and customer loyalty but does not mediate the relationship between service quality and loyalty. These findings indicate that customer loyalty at CV. Sahabat Bumi remains low, implying the need for the company to focus on improving service consistency, response speed, transparent communication, and corporate reputation to retain and enhance customer satisfaction and loyalty in the future. This research is expected to provide insights for management in formulating effective marketing strategies. Future research should consider adding other variables such as promotional mix or customer trust to produce more comprehensive results.
Co-Authors Abdallah, Zachari Adnan Raja Romero Afifah Windi Afifah Windi Bhaswarendra Guntur Hendratri Chrismondari, Chrismondari Daniati Puttri Frans Sudirjo Gita Mai Rani Gusti Marliani Ice Kamela Ice Kamela Irda Irda Judijanto, Loso Linda Wati Mei Rani Amalia Nailal Husna Nor Azilah Husin Pertiwi Mulyani Rahmi Rahma Yati Reni Yuliviona, Reni Rini Elvira Robi Hendra Desaputra Rully Fildansyah Sefnedi Sefnedi, Sefnedi Sudarmanto, Eko Sulistyaningsih, Elli Tatik Handayani, Tatik Tyara Dwi Putri Yuhelmi Yuhelmi Zeshasina Rosha Zeshasina Rosha