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All Journal JAM : Jurnal Aplikasi Manajemen Jurnal Minds: Manajemen Ide dan Inspirasi MIX : Jurnal Ilmiah Manajemen International Journal of Artificial Intelligence Research JKBM (JURNAL KONSEP BISNIS DAN MANAJEMEN) AKSIOLOGIYA : Jurnal Pengabdian Kepada Masyarakat MBR (Management and Business Review) International Research Journal of Business Studies (E-Journal) Jurnal Ekonomi dan Bisnis Syntax Literate: Jurnal Ilmiah Indonesia Journal of Economic, Bussines and Accounting (COSTING) EKONOMIS : Journal of Economics and Business Primanomics : Jurnal Ekonomi & Bisnis Sketsa Bisnis Share : Journal of Service Learning Jurnal Samudra Ekonomi dan Bisnis Jurnal Entrepreneur dan Entrepreneurship (JEE) Jurnal Dedikasi Pendidikan International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Ekonomi Manajemen Sistem Informasi Business Management Journal Program Studi Manajemen Al-Kharaj: Journal of Islamic Economic and Business Review of Management and Entrepreneurship Jurnal Leverage, Engagement, Empowerment of Community (LeECOM) Community Engagement and Emergence Journal (CEEJ) Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Performa: Jurnal Manajemen dan Start-up Bisnis Budimas : Jurnal Pengabdian Masyarakat Edudikara: Jurnal Pendidikan dan Pembelajaran Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Jurnal Ilmiah Wahana Pendidikan The South East Asian Journal of Management Journal Research of Social Science, Economics, and Management Journal Community Service Consortium Journal of Economics and Management Scienties Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah International Journal of Review Management Business and Entrepreneurship (RMBE) International Research Journal of Business Studies
Damelina B. Tambunan
Universitas Ciputra
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Financial Technology, Financial Literacy, and MSMEs' Financial Performance: The Mediating Role of Financial Inclusion in East Java Setiyawan, Raymond; Tambunan, Damelina Basauli
Jurnal Entrepreneur dan Entrepreneurship Vol. 15 No. 1 (2026): Jurnal Entrepreneur dan Entrepreneurship
Publisher : Universitas Ciputra Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37715/jee.v15i1.6265

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are key contributors to economic growth, yet many still experience constraints in accessing formal financial systems. This research analyzes the impact of financial technology and financial literacy on the financial performance of MSMEs, while considering financial inclusion as an intervening variable. The study adopts a quantitative design using primary data collected through questionnaires from 160 MSMEs owners who actively use digital financial services. The data were processed using Partial Least Squares - Structural Equation Modeling (PLS-SEM). The findings reveal that financial literacy significantly enhances both financial inclusion and MSMEs financial performance. Furthermore, financial inclusion plays a mediating role in the relationship between financial literacy and financial performance. In contrast, financial technology does not demonstrate a significant direct influence on MSMEs financial performance, nor does financial inclusion mediate this relationship. The results emphasize the critical role of improving financial literacy in conjunction with expanding access to digital financial services to support better financial outcomes for MSMEs.
Strategi Digital Marketing Sebagai Upaya Meningkatkan Penjualan Rumah Bersubsidi Type 36 Pada Perumahan Griya Five Permata 2 Pontianak Trivina, Trivina; Damelina Basauli Tambunan
Jurnal Ekonomi Manajemen Sistem Informasi Vol. 6 No. 6 (2025): Jurnal Ekonomi Manajemen Sistem Informasi (Juli - Agustus 2025)
Publisher : Dinasti Review

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jemsi.v6i6.5767

Abstract

Tujuan penelitian ini untuk menganalisis strategi digital marketing dalam meningkatkan penjualan rumah subsidi tipe 36 di Perumahan Griya Five Permata 2, Pontianak. Penelitian ini menitikberatkan pada peran website sebagai media utama dalam pemasaran digital, serta mengidentifikasi cara dan hambatan dalam penerapan strategi ini. Pendekatan kualitatif digunakan untuk menggali pemahaman yang mendalam tentang dinamika pemasaran digital, sesuai dengan metode deskriptif analitis yang berorientasi pada pemecahan masalah. Sumber data penelitian terdiri dari wawancara dengan berbagai pihak, termasuk pemilik perumahan, konsumen, calon konsumen, divisi pemasaran, serta konseptor digital marketing. Data primer dikumpulkan langsung dari responden, sedangkan data sekunder diperoleh dari dokumen terkait. Metode analisis yang digunakan adalah Analisis Delphi, yang membantu mengidentifikasi faktor-faktor strategis dalam pemasaran perusahaan. Hasil penelitian menunjukkan bahwa strategi digital marketing yang diterapkan, terutama melalui website, efektif dalam meningkatkan penjualan. Website digunakan untuk memasang iklan, memberikan informasi mendalam tentang fasilitas perumahan, dan berinteraksi dengan konsumen melalui fitur Story WhatsApp. Strategi pemasaran digital juga menekankan pentingnya segmentasi, targeting, dan positioning dalam mencapai target penjualan. Namun, penelitian ini juga mengidentifikasi hambatan, seperti kurangnya koordinasi antara tim pemasaran dan divisi lain dalam pameran perumahan. Oleh karena itu, disarankan agar strategi pemasaran digital direncanakan dengan matang dan melibatkan semua pihak terkait. Selain itu, penggunaan media release dan penambahan sales freelance yang kompeten diusulkan untuk meningkatkan efektivitas pemasaran.
How Entrepreneurial Agility Drives International Performance in Commodity-Trading SMEs Junaedy, Agoes; Kaihatu, Thomas Stefanus; Tambunan, Damelina Basauli
Jurnal Minds: Manajemen Ide dan Inspirasi Vol 13 No 1 (2026): June
Publisher : Management Department, Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/minds.v13i1.64858

Abstract

This study examines entrepreneurial agility as a mediating mechanism linking entrepreneurial orientation and innovation capability to international business performance among Indonesian commodity-trading SMEs. This study contributes to international entrepreneurship literature by reconceptualizing innovation capability, rather than entrepreneurial orientation, as the primary foundation of entrepreneurial agility in emerging-market SMEs. Drawing on effectuation theory and business model innovation theory, data from 300 export-oriented SMEs were analyzed using PLS-SEM. The findings reveal that innovation capability significantly strengthens entrepreneurial agility and indirectly enhances international business performance through partial mediation. In contrast, entrepreneurial orientation primarily influences performance through direct pathways rather than agility formation, challenging dominant assumptions regarding the adaptive role of entrepreneurial orientation. These findings suggest that SMEs operating in volatile international markets should prioritize innovation-driven capability development to strengthen agility and sustain international competitiveness.
Pengaruh Market Orientation terhadap Kinerja UKM Art Market dengan Innovation Capability sebagai Variabel Mediasi Nasihatul Fadhilah; Damelina Basauli Tambunan
Journal of Economics and Management Scienties Volume 8 No. 3, June 2026 (Accepted)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/jems.v8i3.481

Abstract

This study aims to analyze the effect of Market Orientation (MO) on Innovation Capability (IC) and Business Performance (BP) in Art Market SMEs, as well as to examine the mediating role of IC in this relationship. The phenomenon underlying this study is the tendency of creative SMEs to rely on innovation driven by intrinsic factors such as passion, while paying less attention to market needs amid rapidly evolving global dynamics. This condition causes innovation to not necessarily generate an optimal impact on business performance. This study employs a quantitative approach using a survey method targeting SME actors or tenants participating in OMO Market Vol. 6 in Jakarta. Data analysis was conducted using Structural Equation Modelling (SEM) with SmartPLS software. The results show that Market Orientation has a positive and highly significant effect on Innovation Capability, with a path coefficient of 0.771, positioning it as a primary driver of innovation. Furthermore, Innovation Capability is proven to be the main driver of Business Performance, with a coefficient of 0.505. Another key finding indicates that the direct effect of Market Orientation on Business Performance is relatively lower (0.327) compared to its indirect effect through the mediation of Innovation Capability (0.390). In conclusion, Innovation Capability is a key factor that directly enhances the performance of creative SMEs. However, to achieve more optimal and sustainable performance, innovation capability must be grounded in market orientation to remain aligned with market dynamics.
Evaluating Institutional Drivers of the Knowledge-Practice Gap: A Mixed-Methods Study on the Transition to Entrepreneurial Practice Daniel Kurniawan; Damelina Basauli Tambunan
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): 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.v8i2.10239

Abstract

Despite the increasing integration of entrepreneurship into business school curricula, a persistent "knowledge-practice gap" remains, where students struggle to translate theoretical literacy into real-world business execution. Drawing on Social Cognitive Career Theory (SCCT), this study evaluates the efficacy of the university ecosystem—comprising Entrepreneurial Culture, Teaching, and Education—in driving students through the developmental chain toward Entrepreneurial Practice. Utilizing a Mixed-Methods Explanatory Sequential Design, quantitative data was first collected from 139 business students and analyzed via Partial Least Squares Structural Equation Modeling (PLS-SEM) to test nine hypothesized paths. This was followed by qualitative Key Informant Interviews (KII) with seven selected participants to decode the "why" behind the statistical findings. The results reveal that while Entrepreneurial Teaching serves as a significant driver of both Mindset and Competence, the formal Curriculum (Education) and Institutional Culture often fail to directly stimulate the transition to practice. Qualitative findings suggest that this "structural disconnect" is fueled by pedagogical rigidity and perceived systemic barriers, such as financial constraints and a focus on academic compliance over market agility. The study concludes that for universities to move beyond "theoretical literacy," they must transition toward agile, practitioner-integrated models that foster individual agency and functional mastery. These findings provide a clear roadmap for educational leaders to bridge the knowledge-practice gap and equip the next generation of leaders with the practical skills needed for effective entrepreneurial leadership. Keywords: entrepreneurship education; entrepreneurship practice; knowledge-practice gap; mixed-method research; social cognitive career theory
Co-Authors Abidin, Achmad Adi Kurniawan Yusup Alexander, Juan Richard Andy Sanjoko Antonius Tanan Christina Bardien Christina Whidya Utami Daniel Kurniawan Daniel Kurniawan David Sukardi Kodrat Denpharanto Agung Krisprimandoyo Devi Rahnjen Wijayadne Eric Harianto Fajar, Leonard Putra Febry, Timotius Fiska Mekar Kustiani Gerrits, Anathasia Gracia Gofelin Steifi Karundeng Grace Citra Dewi Hartono Hartono Hashim, Norashidah Binti Hikama, Nahli Isadora Elgina Pramana J.E. Sutanto J.E. Sutanto JE Sutanto Juan Richard Alexander Junaedy, Agoes Kusuma Wardhani, Mustika Eka Laura Angela Hartanto Liliana Dewi Metta Padmalia Murpin Josua Sembiring Napitupulu, Alfons Manuel P.M. Nasihatul Fadhilah Natalia Yuwono Norashidah Binti Hashim Norashidah Binti Hashim Padmali, Metta Pramana, Isadora Elgina Prasetio, Fiona Pratama, Okky Aditya Primadiansyah Ridha Novrizal Pujirahayu Sumaji, Yoseva Maria Rismawati br Sitepu Setiowati, Maria Henny Setiyawan, Raymond Soetedja, Venny Sutanto, J. E. Syulhasbiullah, Muh Teofilus Teofilus Teofilus, Teofilus Thomas Stefanus Kaihatu Thyrza Farizah Yosina Tommy Christian Efrata Tony Justinus Hoetama Trivina, Trivina Wendra Hartono Widyadhari, Amalia Tiffany Wijono, Monica Widyati Winarjo, Alexander Jevan Wirawan ED Radianto Wiyasa, Gracecilia Yashinta Armadita Hadi Yoseva Maria Pujirahayu Sumaji Yuni Putri Dewantara Yuni Putri Dewantara Yuwono Marta Dinata