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All Journal Kinerja MODUS-Jurnal Ekonomi dan Bisnis Jurnal Manajemen Kajian Bisnis STIE Widya Wiwaha Jurnal Mantik Management and Accounting Expose Telaah Bisnis Jurnal Riset Manajemen dan Bisnis JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Jurnal Ilmiah Manajemen dan Bisnis (JIMBis) Journal of Artificial Intelligence and Digital Business Jurnal Akuntansi Dan Manajemen Jurnal Ekonomi dan Bisnis
Daniel Joel Immanuel Kairupan
Universitas Ciputra
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Languange, Linguistic, Communication & Media Social Sciences

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PENGEMBANGAN DESAIN KEMASAN PRODUK UNTUK MENINGKATKAN DAYA SAING PENJUALAN PRODUK PADA TOKO OLEH-OLEH JOGLO Hatta, Atika Jauharia Hatta; Cahyo Indraswono; Daniel Joel Immanuel Kairupan; Bianka Andriyani
Jurnal Ekonomi Dan Bisnis Vol 20 No 1 (2026): Vol. 20 No.1 (2026): JEB Vol 20 No 1 Maret 2026
Publisher : LPPM STIE YKPN Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53916/jeb.v20i1.124

Abstract

This activity aims to increase the sales of Joglo Souvenir Shop's product through the development of product packaging design innovations. This SME is a typical Central Javanese souvenirs business located in Pedan District, Klaten Regency, Central Java, which sells spinach chips, bitter melon chips, kenikir, intestines, mushrooms, and wedang uwuh. The majority activity of this SME just change the packaging form, while for wedang uwuh and empon-empon, the SME produces itself in the form of sachet drinks such as tea bags. The main problem of this SME is relying on buyers who visit the Pedan area, while the product packaging is still less attractive to buyers due to the lack of packaging design references, resulting in less interest in buying goods. The solution to overcome this problem is to provide training and mentoring for SMEs to create innovative packaging designs to increase buyer interest. The method used in this activity is a participatory training and supervision method, partners will always be involved in every stage of the activity. The targeted result is that SME are able to create attractive packaging designs, and resulting five packaging forms that can be used as references for having advantages compared to their competing products.
The Effect of Credit Product Knowledge and Perceived Benefits on the Utilization of Inclusive Financing by MSMEs at Bank XYZ Pekanbaru Vennie Vennie; Daniel Joel Immanuel Kairupan
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 12 No. 1 (2026): Februari 2026
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v12i1.5677

Abstract

MSMEs play a strategic role in strengthening the national economy, yet access to formal financing remains a major obstacle. Limited financial literacy and insufficient understanding of banking products have caused many MSMEs to underutilize available credit facilitiesThis study aims to analyze the effect of credit product knowledge and perceived benefits on the utilization of inclusive financing by Micro, Small, and Medium Enterprises (MSMEs) that are clients of Bank XYZ Pekanbaru. A quantitative approach with multiple linear regression analysis was employed, and data were collected through questionnaires distributed to 112 respondents representing MSME clients. The results show that credit product knowledge has a positive and significant effect on inclusive financing utilization, and perceived benefits also exert a positive and significant influence. Simultaneous testing reveals that the two independent variables together contribute 48% to variations in inclusive financing utilization, while the remaining 52% is influenced by other factors beyond the scope of this study. These findings highlight the importance of improving financial literacy and fostering positive perceptions of credit to encourage MSMEs to make greater use of formal financial services. The practical implications suggest the need for continuous financial education strategies, simplified dissemination of banking product information, and regulatory support to strengthen financial inclusion and enhance MSME business sustainability.
Co-Authors Abraham Febrian Widodo Alfansia Daminta Kartika Patty Alfario Thimoty Suoth Bianka Andriyani Cahyo Indraswono, Cahyo Dewi Mustikasari Immanuel Dewi Sianipar Dheni Indra Kusuma Dicky Setyo Purnomo Fakih, Yuda Hatta, Atika Jauharia Hatta Irvansyah, Fajar Eggi Kontarya, Fidel Jonathan Laksono, Deni Budi Nur Azmi Raharusun Olivia Ayu Yovanda Olivia Ayu Yovanda Povannes, Tyaga Adinata Primandaru, Noormalita Suoth, Alfario Thimoty Sutikno, Vonni Meyra Vennie Vennie