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Financial Literacy, Financial Attitudes, and the Environment on Investment Decisions Through Investment Intention Al Qoriana, Viaulia; Ningtyas, Mega Noerman
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 2 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i2.4839

Abstract

This study aims to explore the relationship between financial literacy, financial attitudes, and social, economic, and family environment towards investment decisions through investment intention among Generation Z investors in Malang City. The research methods used are quantitative approaches and associative methods. A sample of 400 Generation Z investors was selected using nonprobability sampling with a purposive sampling approach. Data were collected through an online questionnaire and analyzed using the Structural Equation Model (SEM) with a Partial Least Square (PLS) approach. The results showed that financial literacy and social, economic, and family environment have a significant influence on investment intention and investment decisions. However, financial attitudes only have a significant effect on intention in investing in the capital market, but not significantly in making investment decisions.
Pelatihan Dasar Manajemen dan Legalitas Usaha untuk Peningkatan Pendapatan Usaha Mikro Kecil Menengah Nur Laili Fikriah; Mega Noerman Ningtyas; Fikriyatul Azizah Su’ud
I-Com: Indonesian Community Journal Vol 5 No 1 (2025): I-Com: Indonesian Community Journal (Maret 2025)
Publisher : Fakultas Sains Dan Teknologi, Universitas Raden Rahmat Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70609/icom.v5i1.5850

Abstract

BAZNAS Microfinance Sawojajar is an institution that has several MSME partners. However, the MSMEs face several major problems, namely a lack of understanding of basic management such as marketing, finance, operations, and human resources as well as minimal business legality, such as a Business Identification Number (NIB) and halal certification. These problems hinder business development and reduce their competitiveness. This community service activity aims to provide concrete solutions through basic training in business management and legality using the Asset-Based Community Development (ABCD) approach. This training involved 30 MSMEs which was carried out comprehensively, covering theory and practice related to marketing, financial recording, SOP preparation, human resource management, to making business legality. The results of the activity showed an increase in participants' understanding of business management and business legality, which is expected to have an impact on business sustainability and increased income. This program also encourages MSMEs to be more independent in developing their businesses sustainably.
Orientasi Kewirausahaan, Kapabilitas Pemasaran, dan Kinerja Usaha Mikro di Indonesia Mega Noerman Ningtyas; Sudarmiatin Sudarmiatin; Agus Hermawan
DIALEKTIKA: Jurnal Ekonomi dan Ilmu Sosial Vol 11 No 1 (2026): Dialektika: Jurnal Ekonomi dan Ilmu Sosial
Publisher : Prodi Manajemen Fakultas Ekonomi dan Bisnis Universitas Islam Raden Rahmat Malang

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

Abstract

Micro-enterprises play a strategic role in Indonesia’s economy; however, the literature shows inconsistencies regarding how entrepreneurial orientation translates into business performance, particularly in micro-enterprise contexts. This study examines the mediating role of marketing capability in the relationship between entrepreneurial orientation and business performance among micro-enterprises in Indonesia. A survey of 230 micro-enterprise owners in East Java was conducted, and the data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The results indicate that entrepreneurial orientation has a positive and significant effect on both marketing capability and business performance. Marketing capability also mediates the relationship between entrepreneurial orientation and performance. These findings suggest that entrepreneurial orientation does not automatically enhance performance without adequate marketing capability. Practically, the results highlight the need for policymakers, such as the Dinas Koperasi dan Usaha Mikro to prioritize strengthening marketing capabilities in micro-enterprise development programs.
Financial literacy, network competency, market orientation and financial performance: A study from Bandung SMEs Raynald Phoebus Mihardjo; Mega Noerman Ningtyas
Diponegoro International Journal of Business Vol 6, No 1 (2023)
Publisher : Department of Management | Faculty of Economics and Business | Universitas Diponegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/dijb.6.1.2023.36-41

Abstract

Indonesia SMEs have contributed 61.97% to GDP or Rp. 8,573.89 trillion, and they can absorb almost 97% of the workforce. However, several problems arise and become limitations for SMEs, such as limited capital and limited marketing ability and weak business management capabilities. For capital limitations, it can be solved by applying for credit to external parties such as banks and venture capital, but SMEs must meet the bank requirements. For marketing limitations, it can be pursued by maximizing the ability of SMES actors in network competence and market orientation. Therefore, this research was conducted to examine the financial literacy, network competence, and market orientation to the financial performance of SMEs. We collected data by an online questionnaire on 197 SMEs in Bandung. We use SEM PLS to analyze the data. Our results indicated that financial literacy, network competence, and market orientation had a positive and significant impact on the SMEs financial performance. That means that the ability to understand financial concepts, the ability to establish good relationships or networks with external parties, and the ability to sense markets and customer relations help SMEs to implement their business strategies properly. So that they will have an impact on increasing financial performance.
Enhancing the Performance of Gen Z New Ventures Through Entrepreneurial Orientation and Social Media Adoption Mega Noerman Ningtyas; Wening Patmi Rahayu; Agus Hermawan
Jurnal Ilmiah Bisnis dan Ekonomi Asia Vol 20 No 2 (2026): Jurnal Ilmiah Bisnis dan Ekonomi Asia
Publisher : Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32815/jibeka.v20i2.2513

Abstract

This study aims to investigate the impacts of entrepreneurial orientation and social media adoption on business performance, and the mediating role of social media adoption in the context of Generation Z entrepreneurs as new entrants. This study employed a quantitative approach with a survey and collected data from 68 Gen Z business owners in East Java, Indonesia. The data were analyzed using SEM-PLS. The results indicate that entrepreneurial orientation has a positive and significant effect on business performance. Similarly, social media adoption is found to significantly enhance business performance. However, the role of social media adoption as a mediating effect was not supported. These findings suggest that while both entrepreneurial orientation and social media adoption are important drivers of performance, social media has not yet functioned as a strategic mechanism linking entrepreneurial behavior to performance outcomes among new entrants. This contributes to the literature by highlighting the role of generational context and suggesting that strategic capabilities in utilizing digital tools are crucial for maximizing business performance.