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PERAN MEDIASI SELF EFFICACY DALAM PENERAPAN DIGITAL MARKETING, FINANCIAL LITERASI DAN FINANCIAL INCLUSION UNTUK MENINGKATKAN BUSINESS PERFORMANCE UMKM Nugroho, Mahfud; Kuwatno, Kuwatno; Saraya, Sitta
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 4 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i4.15400

Abstract

The end of the Covid-19 pandemic requires MSMEs to sell their products through digital media. MSMEs which are still weak financially and literately cannot face competition in the digital market. Moreover, currently in the digital market there are many traders or large companies who also carry out retail sales directly to consumer users. So MSMEs have to face unfair competition. The aim of this research is to analyze the impact of using digital marketing, easy access to financial institutions (financial literacy) and financial literacy on improving MSME business performance. This research is quantitative research by analyzing causality. The number of respondents in this research was 100 MSMEs. Taken from MSMEs spread across Kendal Regency using the purposive sampling method. The data analysis method uses linear regression analysis with the help of the SmartPLS application. The research results show that digital marketing influences MSME business performance. Digital Marketing influences Self Efficacy. Financial inclusion influences MSME business performance. Financial inclusion affects self-efficacy. Financial literacy influences MSME business performance. Financial Literacy influences Self-efficacy. Self-efficacy influences MSME business performance. Self-efficacy cannot mediate digital marketing, financial literacy and financial inclusion on business performance in MSMEs. Financial literacy has no effect on MSME business performance. Ease of access to finance influences MSME business performance. Self-efficacy has no effect on MSME business performance,
Analisis Biaya Dan Pendapatan Petani Cabai Merah Keriting (Capsicum Annuum L.) Di Kecamatan Sembawa Kabupaten Banyuasin Thony Ak., Agoes; Kuwatno, Kuwatno; Sukardi, Sukardi; Tasrip, Muhammad; Andarastuti, Dhiary Yessi
Jurnal Imiah Management Agribisnis (Jimanggis) Vol. 6 No. 2 (2025): Jurnal Ilmiah Management Agribisnis (Jimanggis)
Publisher : Magister Agribisnis Program Pascasarjana Universitas Sjakhyakirti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.48093/jimanggis.v6i2.348

Abstract

Penelitian ini bertujuan untuk menganalisis tingkat kelayakan usahatani cabai merah keriting berdasarkan perbandingan antara total penerimaan dan total biaya produksi melalui perhitungan R/C ratio. Komoditas cabai merah keriting dipilih karena merupakan salah satu produk hortikultura yang memiliki nilai ekonomi tinggi dan permintaan pasar yang stabil sepanjang tahun. Metode penelitian yang digunakan adalah metode survei deskriptif kuantitatif, dengan pengumpulan data primer melalui wawancara dan penyebaran kuesioner kepada 30 petani cabai merah keriting di Kecamatan Sembawa, Kabupaten Banyuasin, Provinsi Sumatera Selatan. Data yang diperoleh dianalisis dengan menghitung biaya tetap, biaya variabel, total biaya produksi, penerimaan, keuntungan, serta efisiensi usaha (R/C ratio). Hasil penelitian menunjukkan bahwa rata-rata total biaya produksi sebesar Rp104.259.930,00 per hektar, sedangkan rata-rata penerimaan mencapai Rp175.000.000,00 per hektar. Dengan demikian, diperoleh keuntungan sebesar Rp70.740.070,00 per hektar dan nilai R/C ratio sebesar 1,68. Nilai ini menunjukkan bahwa setiap satu rupiah biaya produksi menghasilkan penerimaan sebesar Rp1,68, sehingga dapat disimpulkan bahwa usahatani cabai merah keriting di Kecamatan Sembawa layak dan menguntungkan untuk diusahakan.
Digital Entrepreneurship Readiness, Innovation Mindset, and Sustainable Business Performance: Unraveling The Mediating Role of Market Orientation Cahyo, Septian Dwi; Puspita Sari, Vincentia Indah; Kuwatno, Kuwatno
Innovation, Technology, and Entrepreneurship Journal Vol. 3 No. 2 (2026)
Publisher : Universitas Muhammadiyah Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31603/itej.17506

Abstract

This study examines the effects of digital entrepreneurship readiness and innovation mindset on sustainable business performance, with market orientation serving as a mediating mechanism. The study is motivated by the persistent challenge faced by Micro, Small, and Medium Enterprises (MSMEs) in transforming digital adoption and innovative capabilities into sustainable performance outcomes. Although previous studies have highlighted the importance of digital readiness and innovation, limited research has explained the mechanism through which these resources contribute to sustainability, particularly among MSMEs in developing economies. A quantitative approach was employed using survey data collected from 110 MSMEs in Kendal Regency, Indonesia. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with WarpPLS 8.0. The findings reveal that digital entrepreneurship readiness and innovation mindset positively and significantly influence market orientation and sustainable business performance. Furthermore, market orientation partially mediates the relationships between digital entrepreneurship readiness, innovation mindset, and sustainable business performance. This study contributes theoretically by extending the Resource-Based View and Dynamic Capability perspectives through the integration of digital resources, cognitive capabilities, and market-oriented mechanisms. Practically, the findings suggest that MSME owners and policymakers should strengthen digital capability development and innovation oriented strategies to achieve long-term business sustainability