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All Journal Jurnal Ilmiah Akuntansi dan Humanika EKSPANSI Jambura Accounting Review Jurnal Ekonomika Jurnal Ekonomika CITIZEN: Jurnal Ilmiah Mulitidisiplin Indonesia EKONOMIKA45 Journal of Information Systems and Management Proceeding of The International Conference on Economics and Business Jurnal Manajemen Bisnis Kewirausahaan Jurnal Visi Manajemen (JVM) Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Proceedings of The International Conference on Business and Economics Cakrawala: Jurnal Pengabdian Masyarakat Global Jurnal Mahasiswa Manajemen dan Akuntansi Jurnal Manajemen dan Ekonomi Kreatif Jurnal Manajemen Dan Bisnis Ekonomi Indonesian Economic Review Master Manajemen Akuntansi dan Ekonomi Pajak: Perspektif Global Studia Ekonomika International Journal of Management, Accounting & Finance International Journal of Business, Marketing, Economics & Leadership International Journal of Business Law, Business Ethic, Business Communication & Green Economics (IJBGE) Journal of Economic and Leadership
Grace Yulianti
STIE Kasih Bangsa
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Social Sciences

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The Role Of Financial Literacy On MSMEs : A Qualitative Investigation Benardi Benardi; Grace Yulianti; Ekawahyu Kasih; Farah Qalbia
Proceeding of The International Conference on Business and Economics Vol. 1 No. 2 (2023): Proceeding of The International Conference on Business and Economics
Publisher : Universitas 17 Agustus 1945 Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/icbeuntagsmg.v1i2.1459

Abstract

This study aims to investigate the significance of financial literacy in empowering Micro, Small, and Medium Enterprises (MSMEs). The research model adopts a qualitative approach to explore the nuanced factors affecting financial literacy among MSME owners and its impact on their businesses. A purposive sampling technique is employed to select participants from diverse MSME sectors. Data is collected through in-depth interviews and focus group discussions. The analysis utilizes thematic coding to identify patterns and themes within the qualitative data. The findings highlight the crucial role of financial literacy in enhancing the resilience and sustainability of MSMEs. Moreover, the study underscores the need for tailored financial education programs targeted at MSME owners to improve their financial management practices and foster business growth in a dynamic economic landscape.
Financial Management Proficiency For MSMEs Mohammad Chaidir; Grace Yulianti; Seger Santoso; Cahyatih Kumandang
Proceeding of The International Conference on Business and Economics Vol. 1 No. 2 (2023): Proceeding of The International Conference on Business and Economics
Publisher : Universitas 17 Agustus 1945 Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/icbeuntagsmg.v1i2.1460

Abstract

This research investigates the financial management proficiency essential for the success of Micro, Small, and Medium Enterprises (MSMEs). The study aims to explore the strategies employed by MSMEs to effectively manage their finances and navigate challenges. The research model adopts an interpretivist approach, utilizing semi-structured interviews with MSME owners and managers. A purposive sampling technique is employed to select participants representing diverse industries and geographic locations. Data analysis involves thematic coding to identify patterns, themes, and insights regarding financial management practices. Preliminary findings suggest a variety of strategies, including budgeting, cash flow management, and strategic investment decisions, play pivotal roles in MSME success. Additionally, the study identifies common challenges faced by MSMEs in financial management, such as limited access to financial resources and lack of financial literacy. This research contributes to understanding the nuanced dynamics of financial management within the MSME sector, providing valuable insights for policymakers, practitioners, and MSME owners striving for sustainable growth and success.
Tantangan dan Peluang Integrasi Kecerdasan Buatan Generatif dalam Praktik Manajemen SDM Grace Yulianti; Benardi Benardi; Seger Santoso
Jurnal Visi Manajemen Vol. 10 No. 1 (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.v10i1.522

Abstract

This study is a qualitative literature review aimed at exploring the challenges and opportunities of integrating generative artificial intelligence (GAI) in human resource management (HRM) practices. GAI, as an advanced technology, holds significant potential to enhance operational efficiency in HRM through the automation of administrative tasks, improved accuracy in performance evaluations, and the development of more interactive and adaptive employee training. However, its implementation also faces several challenges, including employee resistance to change and the unpreparedness of technological infrastructure. Furthermore, ethical issues such as algorithmic bias in recruitment processes are a major concern, potentially exacerbating inequities if not properly monitored. This research identifies that the success of integrating GAI into HRM depends on the organization’s readiness to address technological and ethical challenges, as well as the importance of careful planning. The findings provide valuable insights for organizations in designing effective strategies for GAI integration to improve performance and organizational dynamics while addressing potential risks.
Dampak Digitalisasi terhadap Inovasi Teknologi pada Usaha Mikro, Kecil, dan Menengah Mohamad Chaidir; Grace Yulianti; Seger Santoso
Jurnal Visi Manajemen Vol. 10 No. 2 (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.v10i2.523

Abstract

This study aims to examine the impact of digitalization on technological innovation in Micro, Small, and Medium Enterprises (MSMEs) through a qualitative literature review approach. In the era of digital transformation, MSMEs face various opportunities and challenges. Digitalization has the potential to enhance MSMEs' competitiveness by accelerating product, service, and business process innovation, but it also requires them to overcome limitations such as limited technological skills and financial constraints. By analyzing previous studies using the bivariate probit model, this study finds that digital technology adoption is positively correlated with increased innovation in MSMEs. Digitalization has been shown to expand market access, improve operational efficiency, and strengthen MSMEs' adaptability to changes in the business environment. However, internal and external barriers, such as low digital literacy and limited funding access, remain significant obstacles. This study emphasizes the importance of support from the government and related institutions in providing training and funding access so that MSMEs can fully leverage digitalization for sustainable innovation.
Peran Ekuitas Swasta dalam Penyelesaian Bank Gagal Pascakrisis Keuangan dan Implikasinya terhadap Stabilitas Keuangan Grace Yulianti; Benardi Benardi; Seger Santoso
Jurnal Visi Manajemen Vol. 10 No. 2 (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.v10i2.554

Abstract

This study aims to analyze the role of private equity in resolving failed banks following the 2008 financial crisis and its impact on financial stability. Using a qualitative literature review method, this research examines 30 related studies covering restructuring efficiency, capital stability, operational innovation, and market concentration risks. The findings indicate that private equity can expedite the resolution of failed banks through effective restructuring and improved operational efficiency. However, challenges such as moral hazard risks and market concentration require strict regulatory oversight. The contribution of private equity to financial stability is contextual, depending on market structures and local regulations. This research provides strategic insights for policymakers to optimize the benefits of private equity in the financial sector.
Pengaruh Volatilitas Ekuitas dan Leverage terhadap Risiko Investasi Mohamad Chaidir; Grace Yulianti; Benardi Benardi
Jurnal Visi Manajemen Vol. 10 No. 1 (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.v10i1.556

Abstract

This study aims to analyze the impact of equity volatility and leverage on investment risk, focusing on the relationship between debt overhang and equity option value. Through a qualitative literature review, this research reveals that equity volatility plays a role in reducing companies' incentives to invest, especially amid market uncertainty. Meanwhile, high leverage can worsen a company's inability to invest due to the heavy debt burden. The phenomenon of debt overhang causes companies to be reluctant to invest because the benefits generated from such investments are primarily enjoyed by creditors. This study provides valuable insights into the interaction between equity volatility, leverage, and debt overhang in corporate investment decision-making, as well as the importance of effective financial risk management.
Cloud-Based E-Learning : Technology Suitability Analysis and Institutional Support Eka Wahyu Kasih; Grace Yulianti; Benardi Benardi
Indonesian Economic Review Vol. 4 No. 2 (2024): Indonesian Economic Review
Publisher : Cahaya Abadi Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53787/iconev.v4i2.36

Abstract

This study aims to explore the integration of the Expectation-Confirmation Model (ECM) and Task-Technology Fit (TTF) in understanding the sustainability of cloud-based e-learning in educational institutions. Using a qualitative literature review approach, this research examines relevant prior studies to analyze the relationship between task-technology fit, expectation confirmation, and users' continuance intention. The findings reveal that the alignment between e-learning technology features and users’ task needs significantly contributes to perceived usefulness and satisfaction, ultimately driving continuance intention. Additionally, external factors such as institutional support and system quality play crucial roles in sustaining usage. The integration of ECM and TTF provides a more comprehensive analytical framework to explain users' post-adoption behavior towards cloud-based e-learning.
PERAN TEKNOLOGI KEUANGAN (FINTECH) DALAM MENDORONG PERTUMBUHAN EKONOMI DAN INKLUSI KEUANGAN DI INDONESIA: TANTANGAN DAN PELUANG Yulianti, Grace; Chaidir, Mohammad; Pramono, A. Sigit
Citizen : Jurnal Ilmiah Multidisiplin Indonesia Vol. 4 No. 4 (2024): CITIZEN: Jurnal Ilmiah Multidisiplin Indonesia
Publisher : DAS Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53866/jimi.v4i4.649

Abstract

Penelitian ini mengkaji peran penting teknologi keuangan (fintech) dalam pembangunan dan pertumbuhan ekonomi Indonesia. Perkembangan teknologi digital di Indonesia menunjukkan kemajuan signifikan dengan jumlah pengguna internet mencapai 210 juta pada tahun 2022. Studi ini menggunakan pendekatan kualitatif deskriptif dengan metode studi literatur komprehensif, menganalisis dokumen dan publikasi dari lembaga pemerintah serta riset terkemuka. Hasil penelitian menunjukkan bahwa sektor fintech telah berkontribusi signifikan terhadap ekonomi digital Indonesia dengan nilai transaksi mencapai USD77 miliar pada 2022 dan proyeksi pertumbuhan hingga USD130 miliar pada 2025. Kehadiran lebih dari 2.300 startup, termasuk satu decacorn dan beberapa unicorn, menunjukkan potensi besar industri ini. Meski demikian, masih terdapat tantangan seperti kesenjangan akses digital antara wilayah perkotaan dan pedesaan, dengan 12.548 desa belum terjangkau internet. Penelitian ini menyimpulkan bahwa pengembangan fintech memerlukan kerangka regulasi komprehensif dan kolaborasi antar pemangku kepentingan untuk mendukung inklusi keuangan dan pertumbuhan ekonomi berkelanjutan di Indonesia.
Menabung Dan Berinvestasi: Memahami Dasar-Dasar Literasi Keuangan Untuk Gen Z Ngadi Permana; Grace Yulianti; Diani Austin
Cakrawala: Jurnal Pengabdian Masyarakat Global Vol. 4 No. 1 (2025): Cakrawala: Jurnal Pengabdian Masyarakat Global
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/cakrawala.v4i1.3801

Abstract

This study aims to examine the level of financial literacy of generation Z related to savings and investment, as well as the importance of understanding both concepts in personal financial management. Generation Z faces challenges in managing their income amidst rapid economic and technological developments. Saving is often considered a safe way to save money with low risk, but is affected by inflation which can reduce purchasing power. On the other hand, investment offers the potential for higher returns but with greater risk. This study uses a qualitative descriptive approach through interviews and surveys involving participants from among students. The results of the study indicate that although generation Z has an interest in investment, many do not understand the fundamental differences between saving and investing and the importance of financial diversification. The recommendation of this study is the importance of financial literacy education that includes understanding risk, financial management, and the use of financial technology in order to achieve long-term financial stability.
Business Model Innovation in Small Ventures: A Resource-Based Perspective on Managerial Ties and External Ecosystems Grace Yulianti; Mohammad Chaidir
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.v23i1.273

Abstract

This qualitative literature review investigates the role of managerial ties, external ecosystems, and the resource-based perspective in fostering business model innovation (BMI) in small ventures. By examining a range of studies, the review highlights how small businesses leverage managerial ties to access critical resources, knowledge, and networks that enable innovation. Additionally, the review explores the importance of engaging with external ecosystems, such as suppliers, customers, and research institutions, in enhancing the business model innovation process. Drawing on the resource-based view (RBV), the study emphasizes the significance of both tangible and intangible resources for successful innovation. The findings suggest that small ventures with strong managerial ties and dynamic capabilities are more likely to navigate the complexities of BMI. This review contributes to a deeper understanding of the factors that influence business model innovation in small ventures, offering valuable insights for both researchers and practitioners.
Co-Authors A. Sigit Pramono Hadi Ahembang Amelia, Shinta Avip Elian Azhary, Cindy Aprillia Azhary, Sisca Aprillia Benardi Bernadi, Benardi Bethanya Sanggarwati Cahyatih Kumandang Chaidir, Mohamad Dadang Irawan Diani Austin Eka Wahyu Kasih Eri Kusnanto Fachry Abda El Rahman Farah Qalbia Fata, Fatikhul Gita Ayu Utari Kasih, Eka Wahyu Kusumah, Rengganis Ningrum Mia Christy Patricia Mohamad Chaidir Mohamad Chaidir Mohammad Chaidir Muhammad Rizal Naya Maharani, Elga Ngadi Permana Pitria, Pitria Ruslaini, Ruslaini Sara, Yuni Seger Santoso Shinta Amelia Sigit Pramono Sri Utami Nurhasanah Sri Utami Nurhasanah Tanti Sugiharti Widiya, Widiya Wijayanti, Fitri Ayu Kusuma Wijayanti Yessica Amelia Yuliani, Sulis