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All Journal ETIKONOMI Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) Jurnal Ilmu Manajemen (JIM) Journal of Innovation in Business and Economics Iqtishoduna: Jurnal Ekonomi Islam Education and Human Development Journal Dialektika: Jurnal Ekonomi dan Ilmu Sosial Business Management Journal Program Studi Manajemen Studi Kasus Inovasi Ekonomi Jurnal Inovasi Ekonomi Jurnal Manajemen Bisnis Indonesian Journal of Cultural and Community Development Jurnal Pengabdian kepada Masyarakat Jurnal of Applied Business and Banking (JABB) Jurnal Manajemen Bisnis dan Kewirausahaan Journal of Economic and Social Empowerment Journal of Multiperspectives on Accounting Literature
Fika Fitriasari
Universitas Muhammadiyah Malang
Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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THE MODERATING ROLE OF ACCESS TO FINANCE IN ENHANCING THE IMPACT OF ENTREPRENEURIAL AND MARKET ORIENTATION ON SME PERFORMANCE IN INDONESIA Fitriasari, Fika; Indriani, Astiwi; Faza, Firdan Thoriq; Ubaidillah, Aan Fardani; Firmansyah, Muhammad
Jurnal Ekonomi Bisnis dan Kewirausahaan Vol. 15 No. 2 (2026): Jurnal Ekonomi Bisnis dan Kewirausahaan (JEBIK)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Tanjungpura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26418/jebik.v15i2.107609

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play an important role in economic growth and employment generation; however, limited access to finance and market competitiveness remain major challenges affecting business performance. This study analyzes the effects of entrepreneurial orientation and market orientation on MSMEs’ financial and non-financial performance, as well as the moderating role of access to finance. This research employed a quantitative approach using survey data collected from 400 MSME owners and managers in Malang City, Indonesia. We analyzed the data using Covariance-Based Structural Equation Modeling (CB-SEM) in AMOS 21. The findings reveal that entrepreneurial orientation and market orientation positively and significantly influence both financial and non-financial performance. Access to finance significantly affects financial performance but not non-financial performance. Furthermore, access to finance strengthens the effect of market orientation on performance, while weakening the relationship between entrepreneurial orientation and financial performance. These findings highlight the importance of integrating strategic orientation and financial accessibility to enhance sustainable MSME performance. JEL: G21, L25, M13.
The Role of Locus of Control as a Mediator in the Impact of Financial Literacy and Income on Investment Decisions of Small and Medium Enterprises (SMEs) Shafa Rahmadina; Dewi Nurjannah; Fika Fitriasari; Chalimatuz Sa’diyah
Jurnal Manajemen Bisnis dan Kewirausahaan Vol. 5 No. 2 (2025): SEPTEMBER
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jamanika.v5i2.41925

Abstract

This study aims to investigate the mediating role of locus of control in the relationship between financial literacy, income, and investment decisions among Small and Medium Enterprises (SMEs) in Malang City, a region known for its dynamic growth in the fashion sector. Employing a quantitative descriptive approach with Partial Least Squares-Structural Equation Modelling (PLS-SEM), the research analyzes data from 120 SME owners selected through proportional random sampling. The findings reveal that both financial literacy and income have a positive influence on locus of control, which in turn significantly impacts investment decisions. Moreover, locus of control is shown to mediate the effect of financial literacy and income on investment decisions. This research contributes to behavioural finance literature by highlighting the pivotal role of psychological factors, such as locus of control, in shaping financial decision-making within SMEs. Practically, these results suggest that SME associations and policymakers should prioritize financial education and self-control development programs to enhance investment decisions. By doing so, they can foster better economic outcomes for SMEs in the region.
LITERASI KEUANGAN, PERSEPSI RISIKO, DAN KEPUTUSAN INVESTASI CRYPTOCURRENCY: MEDIASI TAKUT KEHILANGAN Nanda Ammaa Tsuroyya Rahmah; Heri Syaputra Jayadi; Mursidi Mursidi; Fika Fitriasari; Chalimatuz Sa'diyah; Tran Thai Ha Nguyen
JOURNAL of APPLIED BUSINESS and BANKING (JABB) Vol 7, No 2 (2026): November
Publisher : UNIVERSITAS MUHAMMADIYAH MATARAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jabb.v7i2.43851

Abstract

Penelitian ini mengkaji keterkaitan literasi keuangan dan persepsi risiko dengan keputusan investasi cryptocurrency pada Generasi Z di Indonesia, dengan menempatkan fear of missing out (FOMO) sebagai variabel perantara. Studi ini menerapkan pendekatan kuantitatif dengan desain eksplanatori. Data diperoleh dengan menggunakan kuisoner daring yang diisi oleh 266 investor cryptocurrency berusia 18–30 tahun yang mempunyai pengalaman dalam berinvestasi sekurang-kurangnya selama satu tahun. Pengujian hubungan antarvariabel dilakukan menggunakan metode partial least squares structural equation modeling (PLS-SEM) melalui SmartPLS 4. Analisis yang dilakukan memperlihatkan bahwa literasi keuangan berpengaruh positif dan signifikan terhadap keputusan investasi (β = 0,320; p = 0,002) serta FOMO (β = 0,312; p < 0,001). Persepsi risiko menunjukkan pengaruh negatif terhadap FOMO (β = −0,208; p = 0,002), tetapi berpengaruh positif terhadap keputusan investasi (β = 0,157; p = 0,032). Sementara itu, FOMO berpengaruh negatif terhadap keputusan investasi (β = −0,173; p = 0,003). Pengujian mediasi menemukan bahwa FOMO memediasi secara parsial hubungan literasi keuangan dengan keputusan investasi melalui pengaruh efek tidak langsung(β = −0,054; p = 0,014). FOMO juga memediasi yang ditinjau dari setiap variable yaitu hubungan persepsi risiko dengan keputusan investasi, dengan pengaruh tidak langsung positif (β = 0,036; p = 0,044. Hasil penelitian ini mengindikasikan bahwa keputusan investasi cryptocurrency di kalangan investor muda tidak semata-mata berkaitan dengan aspek pengetahuan keuangan dan penilaian risiko, tetapi juga melibatkan faktor psikologis. Oleh karena itu, peran FOMO perlu dipertimbangkan untuk memperoleh wawasam yang lebih luas tentang  proses pengambilan keputusan investasi cryptocurrency pada Generasi Z di Indonesia.
Co-Authors Aan Fardani Ubaidillah Aan Fardani Ubaidillah Agustin, Nur Fadhila Amanda Aniek Rumijati Annisa Nurul Lita Astiwi Indriani Bambang Widagdo Chalimatuz Sa'diyah Dewi Nurjannah Erna Retna Rahadjeng Firdan Thoriq Faza Fitri Rusdianasari Flejterski, Stanislaw Gandy Ardiansa Harisandi, Humam Fadhil Hendrasari, Widya Kurnia Heri Syaputra Jayadi Iqbal Ramadhani Fuadiputra Ivansyah, Dimas Fernanda Juliati, Ratih Kardina Yudha Parwati Luqman Dzul Hilmi Marsudi Mochamad Rofik Muhammad Faris, Muhammad Muhammad Firmansyah Muhammad Firmansyah Mursidi Mursidi Mursidi Mursidi Nanda Ammaa Tsuroyya Rahmah Novi Puji Lestari Nurjannah, Dewi Nurul Asfiah Nuryanti Nuryanti Putri, Galih Widya Ratya Shafira Arifiani Rohmat Dwi Jatmiko Sa’diyah, Chalimatuz Setyo Wahyu Sulistyono Shafa Rahmadina Siti Nurhasanah Sri Budi Cantika Yuli Titiek Ambarwati Tran Thai Ha Nguyen Warsono Warsono Warsono Warsono Widya Kurnia Hendrasari Wiyono Wiyono Zainal Arifin