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All Journal MANAJEMEN HUTAN TROPIKA Journal of Tropical Forest Management The South East Asian Journal of Management
Yakob, Rubayah
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Agriculture, Biological Sciences & Forestry

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The Effect of Enterprise Risk Management Practice on SME Performance Yakob, Sajiah; -Syah, Hafizuddin, B.A.M.; Yakob, Rubayah; Raziff, Nur Aufa Muhammad
The South East Asian Journal of Management Vol. 13, No. 2
Publisher : UI Scholars Hub

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Abstract

Research Aims - This study aims to identify the effect of Enterprise Risk Management (ERM) on Small and Medium Enterprise (SME) performance. Design/methodology/approach - This study employed a multiple regression analysis. SME performance was treated as dependent variable, whereas ERM was the independent variable. Research Findings - Multiple regression analysis indicated that ERM has a significant effect to- wards firm performance. However, only one of the ERM elements namely objective determination has a significant effectt on SME performance. Theoretical Contribution/Originality - This study contributes to the body of knowledge from the standpoint of ERM by testing the effect of each element of ERM described under the Committee of Sponsoring Organizations of the Treadway Commissions (COSO) towards firm performance. Per- haps, each element of the ERM might has different effect towards an organization. Thus, Resource Based View (RBV) Theory was supported which hold that the organisational resources are the main factor to influence the organisational performance. Managerial Implication in the South East Asian context - ERM conducted in SMEs are expected to be able to develop strategies in minimising the risks that may or may not be faced by SME firms. In fact, an effective risk management can assist SME managers and owners in achieving their de- fined business objectives. Thus, risk management enhances the firm’s value, maximise profitability, and consequently improve SME performance. Research limitation & implications - This study has improved the measurement of ERM practices among SMEs and identified ERM elements that affect SME performance in particular.
Financial Literacy and Financial Performance of Small and Medium-sized Enterprises Yakob, Sajiah; Yakob, Rubayah; B.A.M., Hafizuddin-Syah; Rusli, Roslida Zalila Ahmad
The South East Asian Journal of Management Vol. 15, No. 1
Publisher : UI Scholars Hub

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Research Aims: The study aims to examine the influence of financial literacy on the performance of small and medium-sized enterprises (SMEs) in Malaysia. Design/methodology/approach: The data were obtained from questionnaires distributed to 200 SME managers/owners. Multiple regression analysis was applied to test the influence of financial literacy on SMEs performance by controlling manager profile and SME-specific characteristics. Research Findings: Multiple regression results prove that financial literacy has a positive and significant impact on SMEs' performance. Managers/owners with financial literacy skills understand business-related financial concepts, including debt, savings, takaful, insurance, and investment, which ensure the good performance of their business. Theoretical Contribution/Originality: Similar research has been conducted outside Malaysia. However, there is a need to validate the financial literacy and SME performance relationship in the Malaysian environment due to differences in culture; ways of thinking; and legal, business, and political situations. These differences lead to different responses which then contribute to the way the effect of financial literacy on SME performance is explained. In addition, this study improves the consistency of the existing evidence on SME performance and expands the scope of the Resource-Based View (RBV) from the perspective of SMEs Research limitation & implications: Government agencies such as SME Corporation recognise the importance of financial literacy among entrepreneurs. Therefore, proactive efforts need to be accelerated to provide an adequate level of financial literacy among entrepreneurs. Furthermore, entrepreneurial finance can be introduced in formal and non-formal education to ensure that every layer of society enjoys the benefits regardless of their economic status.
Risk Management Literacy Level among Oil Palm Smallholders in Malaysia Abdullah, Mohd Hafizuddin Syah Bangaan; Azmi, Amira; Yakob, Rubayah; Redzuan, Hendon
Jurnal Manajemen Hutan Tropika Vol. 30 No. 1 (2024)
Publisher : Institut Pertanian Bogor (IPB University)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.7226/jtfm.30.1.129

Abstract

Risk management literacy is very important in influencing an individual's decision-making when taking preparatory steps to handle the anticipated risks. This includes oil palm smallholders who are constantly exposed to various types of risks. Therefore, this study aims to analyze the level of risk management literacy among oil palm smallholders in Malaysia. The data of the study was obtained from the online questionnaires distributed to oil palm smallholders using a random sampling method. The data obtained from the final sample of 200 smallholders were analyzed to examine the level of risk management literacy among palm oil smallholders using mean score analysis. The results found that the risk management literacy level among oil palm smallholders in Malaysia is at a moderately high level. Furthermore, mean score for the preference of saving instead of expenditure was the highest i.e. 4.40, indicating that smallholders possess high awareness on the importance of saving as one of the tools for risk management. The study’ findings allowed relevant authorities to formulate new programs such as training and awareness campaign of risk management, on continuous basis. It could assist smallholders to prepare for any potential risks and subsequently be able to create sustainable sources of income.
Co-Authors -Syah, Hafizuddin, B.A.M. Abdullah, Mohd Hafizuddin Syah Bangaan Azmi, Amira B.A.M., Hafizuddin-Syah Raziff, Nur Aufa Muhammad Redzuan, Hendon Rusli, Roslida Zalila Ahmad Yakob, Sajiah