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PENGARUH LITERASI KEUANGAN, TINGKAT PENDAPATAN DAN PENGELOLAAN KEUANGAN PRIBADI TERHADAP MINAT PINJAM MASYARAKAT (STUDI EMPIRIS PADA DEBITUR BANK KELILING DI KAMPUNG BABAKAN BANDUNG KELURAHAN SUBANGJAYA KOTA SUKABUMI): Dewi, Fitriani; Jhoansyah, Dicky; Danial, R. Deni Muhammad
Jurnal Manajemen Terapan dan Keuangan Vol. 14 No. 02 (2025): Jurnal Manajemen Terapan dan Keuangan
Publisher : Program Studi Manajemen Pemerintahan dan Keuangan Daerah Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jmk.v14i2.44456

Abstract

Tujuan penelitian ini untuk mengetahui pengaruh literasi keuangan, tingkat pendapatan, dan pengelolaan keuangan pribadi terhadap minat pinjam masyarakat di Kampung Babakan Bandung, Kelurahan Subangjaya, Kota Sukabumi. Metode yang digunakan adalah kuantitatif asosiatif dengan penyebaran kuesioner kepada 85 responden yang merupakan debitur bank keliling. Hasil penelitian menunjukkan bahwa ketiga variabel independen yaitu literasi keuangan, tingkat pendapatan, dan pengelolaan keuangan pribadi berpengaruh positif dan signifikan terhadap minat pinjam masyarakat, baik secara parsial maupun simultan. Temuan ini mengindikasikan bahwa meskipun masyarakat memiliki pemahaman finansial yang baik, faktor kebutuhan, pendapatan, serta kemampuan dalam mengelola keuangan tetap menjadi penentu utama dalam keputusan meminjam. Penelitian ini memberikan wawasan penting mengenai perilaku keuangan masyarakat dan dapat dijadikan acuan dalam penyusunan kebijakan keuangan inklusif di tingkat lokal.
Analisis Orientasi Pasar dan Kemampuan Inovasi terhadap Daya Saing UMKM (Survei UMKM Makanan Ringan di Kota Sukabumi) Ramdani, Nugi M.; Danial, R. Deni Muhammad; Ramdan, Asep Muhamad
Journal of Economics and Management Scienties Volume 7 No. 4, September 2025
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/jems.v7i4.126

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh orientasi pasar dan kemampuan inovasi terhadap daya saing Usaha Mikro, Kecil, dan Menengah (UMKM) di Kota Sukabumi. Penelitian ini juga akan membantu mengatasi masalah yang dihadapi UMKM dan mendorong pertumbuhan ekonomi yang inklusif dan berkelanjutan Selain itu, banyak UMKM yang belum eksis membuat UMKM Indonesia memiliki daya saing yang tinggi, yang menghadapi kendala baik internal maupun eksternal yang membuat UMKM tersebut dinilai kurang kompetitif dalam mendorong pertumbuhan ekonomi dan pendapatan masyarakat. Objek penelitian ini dilaksanakan di UMKM Kota Sukabumi. Pendekatan yang dilakukan yaitu metode kuantitatif, jumlah populasi dan jumlah sampel adalah seluruh UMKM di Lokasi penelitian yang berjumlah 95 orang dengan teknik pengambilan sampel menggunakan teknik sampel purposive sampling. Prosedur pengumpulan data menggunakan metode observasi dan penyebaran kuesioner dengan pengukuran skala Likert. Teknik analisis data dalam penelitian ini adalah pengujian instrumen penelitian, pengujian asumsi klasik, analisis regresi linier berganda dan pengujian hipotesis dengan menggunakan aplikasi SPSS ver. 26. Hasil penelitian menunjukkan bahwasanya secara individual, orientasi pasar dan kemampuan inovasi berpengaruh positif serta signifikan terhadap daya saing. Selain itu, hasil uji simultan memperjelas bahwa kedua variabel secara bersama-sama memberikan pengaruh yang signifikan terhadap daya saing. Hal ini menunjukkan bahwa kombinasi pemahaman antara pemahaman pasar yang baik dan kemampuan untuk terus berinovasi dalam meningkatkan daya saing UMKM Makanan Ringan di Kota Sukabumi.
Pengaruh Teknologi Informasi, Orientasi Kewirausahaan dan Lingkungan Bisnis terhadap Kinerja UMKM Kuliner di Palabuhanratu Maulana, Ilham; Danial, R. Deni Muhammad; Saori, Sopyan
Journal of Economics and Management Scienties Volume 7 No. 3, June 2025
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/jems.v7i3.155

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh teknologi informasi, orientasi Kewirausahaan, dan lingkungan bisnis terhadap kinerja UMKM kuliner di Palabuhanratu.  Penelitian ini menggunakan pendekatan kuantitatif dengan tiga variabel independen dan satu variabel dependen. Populasi dalam penelitian ini yaitu UMKM kuliner di Palabuhanratu sejumlah 355 UMKM dan sampel penelitiannya berjumlah 79 UMKM dengan teknik pengambilan sampel menggunakan teknik non probability sampling dan menggunakan teknik analisis regresi linier berganda di awali dengan uji asumsi klasik. Hasil penelitian menunjukkan bahwa teknologi informasi dan orientasi kewirausahaan berpengaruh positif tetapi tidak signifikan terhadap kinerja UMKM kuliner di Palabuhanratu, sedangkan lingkungan bisnis berpengaruh positif dan signifikan terhadap kinerja UMKM kuliner di Palabuhanratu. Secara simultan teknologi informasi, orientasi Kewirausahaan, dan lingkungan bisnis berpengaruh terhadap kinerja UMKM kuliner di Palabuhanratu.
Optimalisasi Branding UMKM Khas Sukabumi Melalui Platform Digital Menuju Pengembangan Ekonomi dan Sosial Berbasis SDGs Aminullah, Irsyad; Nindya, Regista; Nur Sabrina, Aliya; Putri Rahmah, Marissa; Danial, R. Deni Muhammad
Jurnal Ilmu Manajemen Retail Universitas Muhammadiyah Sukabumi Vol. 6 No. 2 (2025): Jurnal Ilmu Manajemen Retail (JIMAT) Universitas Muhammadiyah Sukabumi
Publisher : Fakultas Ekonomi Universitas Muhammadiyah Sukabumi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37150/jimat.v6.i2.3674

Abstract

This research discusses the optimization of branding for Micro, Small, and Medium Enterprises (MSMEs) in Sukabumi City through the use of digital platforms as an economic and social development strategy in line with the Sustainable Development Goals (SDGs), particularly goal 8: decent work and economic growth. With more than 53,000 units, Sukabumi's MSMEs have great potential, but face challenges such as low digital literacy, limited infrastructure, and the absence of an integrated digital platform. Using a qualitative descriptive approach, this study explores MSME digitization strategies and presents a prototype website “UMKM Sukabumi Explorer” as a big data-based solution. Findings show that digital platforms can expand markets, improve competitiveness and strengthen local cultural identity. SWOT analysis identified product diversity, government support, and youth engagement as strengths and opportunities, while technological constraints and perceived digital skills were challenges. The research recommends human resource capacity building, official digital platform development, and cross-sector collaboration to create an inclusive, adaptive, and sustainable digital MSME ecosystem.
Driving Economic Competitiveness through Innovation and Differentiation Strategies Lailaturrahmah MD , Khoirunnisa; Danial, R Deni Muhammad; Zafar, Tetty Sufianty
International Journal of Economics Development Research (IJEDR) Vol. 6 No. 4 (2025): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v6i4.8070

Abstract

This study investigates the influence of innovation capability on competitive advantage, with differentiation strategy as a mediating variable, among Micro, Small, and Medium Enterprises (MSMEs) engaged in the early morning snack market at Toserba Selamat, Sukabumi City. Employing a quantitative research design, data were collected from 270 MSME respondents using a structured questionnaire. The analysis was conducted using Structural Equation Modeling (SEM) with the assistance of AMOS software. The findings reveal that innovation capability has a significant positive effect on both differentiation strategy and competitive advantage. Additionally, differentiation strategy plays a mediating role in strengthening the impact of innovation capability on competitive advantage. These results highlight the importance of fostering innovation among MSMEs, not only as a means of adapting to dynamic market conditions but also as a strategic foundation for creating distinctive offerings that enhance market competitiveness. The study provides practical implications for MSME development through innovation-driven differentiation strategies.
Analysis of the Influence of Entrepreneurial Motivation, Product Innovation and Business Strategy on Business Performance : Survey: Dry Cake UMKM in Sukabumi City Mulyana, Muhamad; Danial, R. Deni Muhammad; Zafar, Tetty Sufianty
Amkop Management Accounting Review (AMAR) Vol. 5 No. 2 (2025): July - December
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i2.2687

Abstract

This study aims to determine the effect of entrepreneurial motivation, product innovation, and business strategy on business performance in pastry MSME players in Sukabumi City. This study uses a quantitative approach with a population of all pastry MSME players in Sukabumi City and saturated sampling techniques, so that the number of respondents is 33 pastry MSME business actors. Data collection techniques were carried out through distributing questionnaires with Likert scale measurements. Data analysis was conducted using research instrument test, classical assumption test, multiple linear regression analysis, and hypothesis testing using SPSS version 26. The results showed that entrepreneurial motivation did not have a significant effect on business performance. Meanwhile, product innovation and business strategy have a positive and significant effect on business performance.
Financial Management Drives Report Quality Amid Low Literacy and Fintech Use: Manajemen Keuangan Mendorong Kualitas Laporan di Tengah Rendahnya Literasi dan Penggunaan Fintech Haniifah , Khairunnisa; Jhoansyah, Dicky; Danial, R. Deni Muhammad
Indonesian Journal of Innovation Studies Vol. 26 No. 3 (2025): July
Publisher : Universitas Muhammadiyah Sidoarjo

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

Abstract

General Background: Micro, small, and medium enterprises (MSMEs) are vital to Indonesia's economy, particularly in the culinary sector. Specific Background: Despite their growth, many culinary MSMEs struggle with poor financial reporting due to limited financial skills and low digital adoption. Knowledge Gap: Prior studies show mixed results on the influence of financial literacy, financial technology (fintech), and financial management on financial reporting quality, and few focus on culinary MSMEs in Sukabumi. Aims: This study analyzes the impact of financial literacy, fintech, and financial management on the quality of financial reports among culinary MSMEs in Sukabumi City. Results: Using quantitative associative methods with 180 MSMEs, the findings show that financial literacy negatively affects report quality, fintech has no significant effect, while financial management has a strong positive and dominant influence. The regression model explains 48.1% of the variance. Novelty: Unlike existing studies, this research identifies financial management as a stronger determinant than literacy or fintech, and highlights the counterintuitive negative role of financial literacy. Implications: The results emphasize the need for targeted training in financial practices and effective use of digital tools, supporting policy and program development for MSME financial capacity building in local contexts.Highlight : Financial management is the most dominant factor improving report quality. Financial literacy negatively affects the quality of financial reports. Fintech usage is still limited among culinary MSMEs. Keywords : Financial Literacy, Financial Technology, Financial Management, Financial Report Quality, Culinary MSMEs
Entrepreneurial Role Networking , Digitalization Of Information And Utilization Of Collaboration For Business Growth in Coffee Shop in Sukabumi City (Survey on Coffeeshop in Sukabumi City) Machmudin, Arief; R. Deni Muhammad Danial; Nor Norisanti
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 2 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i2.7453

Abstract

This study aims to analyze the influence of entrepreneurial networking, information digitalization, and collaboration on business growth in coffee shops in Sukabumi City. The phenomenon of the rise and fall of the number of coffee shops in recent years indicates a significant challenge in maintaining and developing businesses in this sector. The research approach used is quantitative with descriptive and associative research types. Primary data were collected through questionnaires from 42 coffee shops which were the population and samples using saturated sampling techniques. Data analysis was carried out through validity tests, reliability tests, classical assumption tests, multiple linear regression, F tests and t tests. The results of the study indicate that entrepreneurial networking, information digitalization, and collaboration have a positive and significant influence on business growth. Information digitalization makes the greatest contribution to driving operational efficiency, expanding markets, and increasing customer interaction. Entrepreneurial networking helps business actors build strategic relationships that have an impact on expanding access to information and business resources. Meanwhile, collaboration between business actors has proven effective in increasing innovation, expanding marketing networks, and overcoming internal limitations. The implications of this study indicate that coffee shops in Sukabumi City need to optimize the use of information technology, actively expand business networks, and establish strategic collaborations with various parties to encourage sustainable business growth. This study is expected to be a reference for MSME actors and academics in understanding the factors that influence business growth in the digital era.
Penggunaan Platform Pembayaran Digital E-Commerce di Sukabumi: Perbandingan Antara DANA dan ShopeePay Leydia Maulidiawaty, Siti; Nizar, Auralea; Aulia Firdaus, Alya; Syariefa Bintang Maharani, Adinda; Muhammad Danial, R. Deni
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 10, No 1 (2025): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v10i2.8178

Abstract

This study aims to analyze and compare the use of two popular digital payment platforms in Indonesia, DANA and ShopeePay, in the context of e-commerce transactions in the city of Sukabumi. By observing user preferences, advantages, and disadvantages of each platform, this study is expected to provide valuable insights for users, local e-commerce players, and digital payment application developers. The research method used involves quantitative and qualitative approaches through questionnaire surveys and interviews with e-commerce users in Sukabumi who actively use GoPay and OVO. The results of the study show significant differences in feature preferences, satisfaction levels, and obstacles faced by users of the two platforms. The implications of these findings provide a basis for the development of digital payment services that are more in line with local market needs.
The Influence of Innovation, Digital Literacy, and Entrepreneurial Literacy on Business Sustainability (Study on Food MSMEs in Sukabumi City) Nuraeni, Siti; Danial, R. Deni Muhammad; Zafar, Tetty Sufianty
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 4 (2025): Dinasti International Journal of Economics, Finance & Accounting (September - O
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i4.4791

Abstract

This study aims to analyze the influence of innovation, digital literacy, and entrepreneurial literacy on business sustainability in the food MSME sector in Sukabumi City. Business sustainability is an important issue in facing market dynamics and competitive challenges, especially for small and medium business actors. The method used in this study is a quantitative method, which produces findings through statistical and measurement procedures. The approach applied is descriptive and associative, with a survey research type. The sample of this study consisted of 100 food MSME actors in Sukabumi City who were selected using probability sampling techniques, namely simple random sampling. Data were collected through questionnaires and the data analysis techniques used in this study were classical assumption tests, multiple correlation coefficients, determination coefficients, multiple linear regressions, and simultaneous (F test) and partial (T test) hypothesis tests. The results of the study indicate that innovation, digital literacy, and entrepreneurial literacy have a positive and significant effect on business sustainability, this can be seen from the calculated t value> t table, where the innovation variable has a calculated t value of 2.908> t table 1.661 and a significance value of 0.005 <0.05. Digital literacy has a calculated t value of 3.146> t table 1.661 and a significance value of 0.002 <0.05. And entrepreneurial literacy has a calculated t value of 5.255> t table 1.661 and a significance value of 0.000 <0.05.
Co-Authors Abdul Aziz, Muh. ABYASA Acep Samsudin ACEP SYAMSUDIN Ackbar Pirdaus Adinda Indriana Afriani, Nevi Afriani Aisyah, Serlina Ajeng Marnisa Herlambang Sukma Alayya, LA Syara Alhidayatullah Alipia, Maya Aliya Nurfauzia Aminullah, Irsyad Amira Tussa'Adah Anak Agung Putu Ayu Inggriyani Andi Sopandi Andini Nidia Putri Aneu Lutfiana Anggara Putra Munggaran Anggia Puspa Ardiani Aprianto, Muhammad Shidiq Ardina Anjani Ari Saepunizar Arini Wahyunina Putri Arsy Permatasari Zahara Asep Muhamad Ramdan Asep Muhammad Ramdhan Auleani, Laela Aulia Asri Fawwazi Haryanto Aulia Firdaus, Alya Azis Mauraksa Beta Deli Pratiwi Cindy Fitriya Daniel Happy Putra Darmo H Suwiryo Darmo Suwiryo Daud, Fauzan Yanuar Dema Puteri Ayu Cahyani Dewi, Fitriani Deya Mentari Octavia Anugerah Dian Fitriani Dicky Jhoansyah Dicky Joansyah Difa'a Kania R Dine Sri Rahayu Disa Faletina Falentina Ditha Indah Fatmasari Elsa Amaliana Elsa Gusfryani Erry Sunarya Fadhila Wanda Hidayati Fadjar Hilmawan Faizal Mulia Z Faizal Mulya Z Famela Sophya Suciati Fani Julia Pratama Fauziah Rahmawati Febi Fatimah Febriansyah Kurniawan Febriyan Subagya Ferdianza, Yan Fikri Ahmad Fauzi Fitrah Shaumi Ulul Albab Fuji Safitri Fuji Siti Nurfitrah Gusfryani, Elsa Halimatul Fitriah Haniifah , Khairunnisa Hasanah, Alif Piya Nurul Haura Ananda Putri Hermawati, Irma Hudan Gulaman Zakia Ia Siti Bahriah Ibrahim, Muhammad Taufik Ida Halimah IKE RACHMAWATI Ilham Maulana Ilham Maulana Ibrahim Ilham Purnama Putra Ira Ardyani Jauza Dzahabiyya Kambali, Laraswati Kartini, Resti Aprilianti Khairul Amal, Muhammad Kokom Komariah Kokom Komariah Kusmayadi, Mutiara Shinta Laela Auleani Laila Hamidah Lailaturrahmah MD , Khoirunnisa Lala Febby Ardiany Larasati Dewi Hermawann Leydia Maulidiawaty, Siti Lia Amelia Lia Suliah Luki Abdul Hakim S Lulu Gita Lulu Luciana M Rizal Maulana Machmudin, Arief Mahesa Saputra Maulana Resya, Rizki Meilisya Nurfazzar Abdurohim Meita Dilani Nurhandriani Moch Alhadi Fahtiansyah Mochamad Anton Wiguna Saputra Mochammad Maulana Hasan Jaelani Moh Irpan Firmansyah Muhamad Alvi Irpansyah Muhamad Alvi Irpansyah Muhamad Syahrul Kurniawan Muhammad Noval Muhammad Rizki Zaenudin Mulyana, Muhamad Murty, Try Mustika Nabila Maulana Yusup, Silva Nindya, Regista Nizar, Auralea Nor Norisanti Novita Sari Nur Sabrina, Aliya Nurillah Sopian Nurmala, Resa Oktavina Susanti Kanday Permadi, Intan Kamil Dwi PIPIT FITRIANTI Pryal, Agitya Nur Putri Rahmah, Marissa Rahmah Ummi Ramdan Nurul Anwar Ramdani, Nugi M. Ramdani, Siti Novia Raysa Alevia Permana Reichan Maulana Putra Isna Resa Nurmala Resti Ganis Yuliani Rian Maulana, Rian Riani Fauzia Rahmayanti Riri Rifardi Riska Pebriyanti Rismayanti, Siti Syaaidah Rizqi Anugrah Rohilah Rohilah Ruly Hardiansyah Sakti Alamsyah Salsabila Safiratunnajah Saputra, Afrizal Dwi Wana Septiani, Fanysa Shera Wulan Ruswandi Siska Apriliani Widiastuti Siska Mardiana Siti Nuraeni, Siti Solihudin Solihudin Sopyan Saori Suciati, Famela Sophya Sunarya, Erry Surahman, Zakilla Stephania Suwiryo, Darmo H. Syariefa Bintang Maharani, Adinda Syifa Aulia Yudistira Tetty Sufianty Zafar Ummi, Rahmah Utari Adetianingsih Vini Eka Paksi Wahyudin, Salsabila Wanda Meilanisari Widyasmarani Putri Mujiyanti Wimartfian, Restu Eka Winda Astri HIdayat Yahmardiana, Aini Yoga Nudea sofyan Yonan Bastiar Yosef Saefurrohmat Yunie Mevia Zahara, Arsy Permatasari Zahra, Nadabila Zia Rahmawati Zikrillah Fajari