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THE MODERATING ROLE OF FINANCIAL TECHNOLOGY ON FINANCIAL AND ATTITUDE AND FINANCIAL MANAGEMENT BEHAVIOR:ANALYSIS OF MADURA’S CREATIVE EVONOMY PERFORMANCE Pungky Setyawan, Silvia; Purnamawati, Purnamawati; Boy Singgih Gitayuda, M.
JURNAL EKBIS Vol 25 No 2 (2024): JURNAL EKBIS (ANALISIS, PREDIKSI DAN INFORMASI)
Publisher : Universitas Islam Lamongan

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

The printing industry plays an important role in the economy, covering publishing, graphic design, and advertising, as well as printing various products such as books, magazines, brochures, and promotional materials. However, challenges from technological developments and economic pressures have caused printing companies to face financial management problems. This study aims to examine the impact of financial attitudes and financial management actions on printing business performance, with fintech as a moderating variable. Financial attitudes refer to the views of business owners on financial management, while management actions include financial management behaviors and practices in the business. Business performance is measured through profitability, operational efficiency, and growth, and fintech can strengthen or weaken the relationship between the two.

Pemanfaatan Sistem Informasi Pemasaran Berbasis Website untuk Meningkatkan Produktivitas Penjualan UMKM Souvenir Murah Bojonegoro Negara , Yudha Dwi Putra; Fatah, Doni Abdul; Gitayuda, M. Boy Singgih; Syam, Akhmad Ramdani; Fukaha, Syaechu Agiel; Firdaus, Muhammad Adzin
Dedikasi Sains dan Teknologi (DST) Vol. 4 No. 2 (2024): Artikel Riset Nopember 2024
Publisher : Information Technology and Science (ITScience)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47709/dst.v4i2.4761

Souvenir Murah Bojonegoro adalah usaha mikro kecil dan menengah (UMKM) yang didirikan oleh Thorida Nur Asih pada 17 Agustus 2016 yang terletak di Desa Ngasem, Kecamanatan Ngasem, Kabupaten Bojonegoro. Usaha ini bergerak dalam produksi dan pemasaran berbagai jenis souvenir seperti botol, tumbler, gelas, mangkok, kipas batik dan jenis souvenir lainnya. Meskipun telah memiliki jangkauan pasar luas, manajemen usaha masih dilakukan secara manual melalui WhatsApp dan Instagram, yang menyebabkan ketidakstabilan penjualan dan kurang efisien. Melalui Program Hibah Kompetitif Nasional Pengabdian Kepada Masyarakat lewat skema Pemberdayaan Kemitraan Masyarakat yang dilakukan dosen dan mahasiswa Universitas Trunojoyo Madura (UTM), diterapkannya sistem pemasaran berbasis website dan dilakukan pembaruan alat produksi seperti mesin sablon kaos dan tumbler. Program ini dilaksanakan dalam lima tahap: sosialisasi, pelatihan, penerapan teknologi, pendampingan dan evaluasi, serta keberlanjutan program. Hasil dari program menunjukkan peningkatan signifikan dalam pengelolaan data stok produk, katalog, serta laporan penjualan. Selain itu, penggunaan alat sablon baru juga meningkatkan kapasitas produksi secara signifikan, mempercepat proses produksi, dan meningkatkan kualitas hasil produk. Penerapan teknologi ini juga memperluas jangkauan pasar dan meningkatkan volume penjualan, menjadikan UMKM Souvenir Murah Bojonegoro lebih kompetitif dan efisien dalam menghadapi persaingan di era digital.

The Effect of Financial Literacy and Financial Management Behavior on Financial Well-Being with Financial Satisfaction as an Intervening Variable (Study on MSMEs Madura Coastal Area) Gitayuda, M. Boy Singgih
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 17, No 2: April - June 2024
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v17i2.24489

The objective of this study was to investigate the impact of financial literacy and financial satisfaction on financial well-being, considering financial management behavior as an intervening variable. The data were analysed using quantitative methods, employing descriptive and associative approaches. Information was gathered through interviews and questionnaire responses from 60 micro, small, and medium-sized enterprise (MSME) actors in the Madura coastal area, specifically in Pamekasan and Sumenep districts. The data were processed using SmartPLS 3.0 software. The study's results reveal several key findings: financial literacy has a significant influence on financial satisfaction; however, there is no observed impact of financial management behavior on financial satisfaction. Additionally, financial literacy influences financial well-being, but financial management behavior does not exhibit a significant effect on financial well-being. Furthermore, no direct effect of financial satisfaction on financial well-being was identified. There is also no indirect effect of financial literacy on financial well-being through financial satisfaction, and similarly, there is no indirect effect of financial management behavior on financial well-being through financial satisfaction.

Exploring Financial Bootstrapping and Financial Capital Through Financial Literacy to Enhance Micro Business Performance in Madura's Culinary Industry Purnamawati, Purnamawati; Rachmawati, Eka; Gitayuda, M. Boy Singgih
BALANCE: Economic, Business, Management and Accounting Journal Vol 22 No 1 (2025): Januari
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v22i1.24391

Funding management for culinary micro-enterprises in Madura requires real action, including applying financial literacy indicators, regarding the study of how financial capital and bootstrapping affect micro-enterprises performance in the Madura culinary industry. This study aimed to examine the effect of financial bootstrapping and financial capital through financial literacy on microbusiness performance. The method used in this research is quantitative. The sampling technique used was purposive sampling with research respondents of culinary micro businesses in Madura. The sample obtained was 110 respondents. The data in this study used primary data, namely a questionnaire. The results showed that increasing financial literacy is the key to maximizing resource potential and improving micro-business performance in the Madura culinary sector. In the context of research on the effect of financial bootstrapping and financial capital on the performance of micro-businesses in the culinary industry in Madura, supported by Pecking Order Theory (POT), it provides a relevant framework for understanding the financing decisions taken by business actors. This research provides an overview of empirical support related to good financial literacy's importance in improving financial management and microbusiness performance.

Pengaruh tingkat Likuiditas Terhadap Nilai Perusahaan Dengan Ukuran Perusahaan Sebagai Variabel Moderasi (Studi Pada Perusahaan Food and Beverage Yang Terdaftar Di Bursa Efek Indonesia Periode 2019-2023) Ahada, Shofira Mardiatis; Gitayuda, M. Boy Singgih
Eco-Entrepreneur Vol 11, No 1 (2025): Juni
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/ee.v11i1.29243

The purpose of this study is to examine how liquidity affects business value for food and beverage companies listed on the Indonesia Stock Exchange (BEI) between 2019 and 2023, using company size as a moderating variable. The Quick Ratio and Cash Ratio are used to monitor liquidity, which can show how well a firm can meet short-term obligations and affect investors' opinions about its stability and performance. However, it is anticipated that the relationship between liquidity and firm value will either get stronger or weaker depending on the size of the organization, which is determined by its total assets. Price Book Value (PBV), a gauge of market equity, is used to determine a company's worth. The secondary data used in this study was taken from the 2019–2023 annual financial reports of food and beverage companies listed on the Indonesia Stock Exchange. To evaluate the link between these factors, a quantitative approach with moderation was employed as the analytical method in this study. The study's findings indicate that while the cash ratio has a negative impact on company value, the current ratio and quick ratio have a positive impact.

PERAN FINANCIAL WELL-BEING DALAM MEMEDIASI ANALISIS FINANCIAL MANAGEMENT BEHAVIOR DAN FINANCIAL SATISFACTION: ANALISIS KINERJA EKONOMI KREATIF DI MADURA Agustita, Puput Erna; Gitayuda, M Boy Singgih; Purnamawati, Purnamawati
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 8 No 3 (2024): Edisi September - Desember 2024
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v8i3.4822

Kinerja UMKM yang baik dapat dicapai dengan berbagai faktor, termasuk perilaku pengelolaan keuangan bagus dan kepuasan keuangan tinggi. Perilaku manajemen keuangan mencerminkan bagaimana pelaku UMKM dalam mengelola keuangan usaha mereka, sedangkan kepuasan keuangan menggambarkan tingkat kepuasan pelaku UMKM terhadap kondisi keuangan mereka. Penelitian memiliki tujuan untuk menganalisis pengaruh financial management behavior dan financial satisfaction terhadap kinerja usaha dengan mediasi financial well-being. Sampel dari penelitian ini merupakan UMKM bidang industri percetakan di Madura. Metode yang digunakan yaitu kuantitatif deskriptif dan asosiatif dengan metode survei, sampel dalam penelitian ini adalah 96 responden yang kemudian diolah dengan analisis SEM-PLS (Partial Least Square) menggunakan SmartPLS 4. Hasil penelitian mengungkapkan bahwa perilaku pengelolaan keuangan dan kepuasan keuangan tidak berpengaruh pada kinerja usaha. Namun, kesejahteraan keuangan mampu memediasi perilaku pengelolaan keuangan dan kepuasan finansial sehingga memiliki pengaruh terhadap kinerja usaha. Begitupun dengan kesejahteraan keuangan memiliki pengaruh terhadap kinerja usaha.

Pemanfaatan Sistem Informasi Pemasaran Berbasis Website untuk Meningkatkan Produktivitas Penjualan UMKM Souvenir Murah Bojonegoro Negara , Yudha Dwi Putra; Fatah, Doni Abdul; Gitayuda, M. Boy Singgih; Syam, Akhmad Ramdani; Fukaha, Syaechu Agiel; Firdaus, Muhammad Adzin
Dedikasi Sains dan Teknologi (DST) Vol. 4 No. 2 (2024): Artikel Riset Nopember 2024
Publisher : Information Technology and Science (ITScience)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47709/dst.v4i2.4761

Souvenir Murah Bojonegoro adalah usaha mikro kecil dan menengah (UMKM) yang didirikan oleh Thorida Nur Asih pada 17 Agustus 2016 yang terletak di Desa Ngasem, Kecamanatan Ngasem, Kabupaten Bojonegoro. Usaha ini bergerak dalam produksi dan pemasaran berbagai jenis souvenir seperti botol, tumbler, gelas, mangkok, kipas batik dan jenis souvenir lainnya. Meskipun telah memiliki jangkauan pasar luas, manajemen usaha masih dilakukan secara manual melalui WhatsApp dan Instagram, yang menyebabkan ketidakstabilan penjualan dan kurang efisien. Melalui Program Hibah Kompetitif Nasional Pengabdian Kepada Masyarakat lewat skema Pemberdayaan Kemitraan Masyarakat yang dilakukan dosen dan mahasiswa Universitas Trunojoyo Madura (UTM), diterapkannya sistem pemasaran berbasis website dan dilakukan pembaruan alat produksi seperti mesin sablon kaos dan tumbler. Program ini dilaksanakan dalam lima tahap: sosialisasi, pelatihan, penerapan teknologi, pendampingan dan evaluasi, serta keberlanjutan program. Hasil dari program menunjukkan peningkatan signifikan dalam pengelolaan data stok produk, katalog, serta laporan penjualan. Selain itu, penggunaan alat sablon baru juga meningkatkan kapasitas produksi secara signifikan, mempercepat proses produksi, dan meningkatkan kualitas hasil produk. Penerapan teknologi ini juga memperluas jangkauan pasar dan meningkatkan volume penjualan, menjadikan UMKM Souvenir Murah Bojonegoro lebih kompetitif dan efisien dalam menghadapi persaingan di era digital.

Financial Satisfaction of SMEs in The Coastal Region of Madura: Financial Management Behavior and Financial Knowledge Hanum, Faricha; Purnamawati, Purnamawati; Gitayuda, M. Boy Singgih
BALANCE: Economic, Business, Management and Accounting Journal Vol 21 No 1 (2024): Januari
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v21i1.20635

In the current 4.0 era, good economic growth is one of the standards for the government's success in achieving development goals, including the economic aspect. One of the government's efforts is to create and comprehensively support MSME activities. MSMEs on the island of Madura are growing yearly in terms of quantity, quality and sales of MSME products that have entered foreign markets. This research aims to analyze the influence of financial management behaviour and financial knowledge on the financial satisfaction of MSME actors in the Madura coastal area. Data were analyzed using quantitative methods with descriptive and associative approaches. Data was received from the results of interviews and filling out questionnaires by MSME actors in the Madura coastal area in Pamekasan Regency and Sumenep Regency, totalling 60 respondents. The data was processed with the help of smartPLS 3 software. The findings from this research are that financial management behaviour and financial knowledge positively influence financial satisfaction.

Exploring Financial Bootstrapping and Financial Capital Through Financial Literacy to Enhance Micro Business Performance in Madura's Culinary Industry Purnamawati, Purnamawati; Rachmawati, Eka; Gitayuda, M. Boy Singgih
BALANCE: Economic, Business, Management and Accounting Journal Vol 22 No 1 (2025): Januari
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v22i1.24391

Funding management for culinary micro-enterprises in Madura requires real action, including applying financial literacy indicators, regarding the study of how financial capital and bootstrapping affect micro-enterprises performance in the Madura culinary industry. This study aimed to examine the effect of financial bootstrapping and financial capital through financial literacy on microbusiness performance. The method used in this research is quantitative. The sampling technique used was purposive sampling with research respondents of culinary micro businesses in Madura. The sample obtained was 110 respondents. The data in this study used primary data, namely a questionnaire. The results showed that increasing financial literacy is the key to maximizing resource potential and improving micro-business performance in the Madura culinary sector. In the context of research on the effect of financial bootstrapping and financial capital on the performance of micro-businesses in the culinary industry in Madura, supported by Pecking Order Theory (POT), it provides a relevant framework for understanding the financing decisions taken by business actors. This research provides an overview of empirical support related to good financial literacy's importance in improving financial management and microbusiness performance.

PERAN FINANCIAL CAPABILITY DAN FINANCIAL SECURITY DALAM MENINGKATKAN FINANCIAL SATISFACTION PEMILIK UMKM SEKTOR PARIWISATA DI MADURA Mayada Pasha Umairoh; M. Boy Singgih Gitayuda; Purnamawati Purnamawati
J-MACC Vol 7 No 1 (2024): April
Publisher : Fakultas Ekonomi Universitas Islam Darul Ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/j-macc.v7i1.5116

This article discusses the roles of financial capability and financial security in enhancing the financial satisfaction of Micro, Small, and Medium Enterprises (MSMEs) in the tourism sector in the Madura Region. Tourism in Madura holds significant economic potential, with MSMEs playing a crucial role in local economic development. Financial satisfaction serves as a subjective indicator of an individual's financial well-being. This study employs a descriptive approach using a quantitative method. The results of multiple linear regression analysis indicate that both financial capability and financial security exert a positive and significant influence on financial satisfaction. These findings substantiate the research hypothesis and underscore the importance of enhancing financial capability and financial security among tourism MSME owners in Madura. They offer valuable insights for MSME owners, local governments, educational institutions, and other stakeholders, facilitating the support of growth in the tourism sector MSMEs in Madura.

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