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All Journal Jurnal Manajemen Terapan dan Keuangan Jurnal Paradigma Ekonomika Binus Business Review Al Ishlah Jurnal Pendidikan Journal of Economic, Bussines and Accounting (COSTING) EKONOMIS : Journal of Economics and Business J-MAS (Jurnal Manajemen dan Sains) Jurnal Darma Agung International Journal of Business, Law, and Education International Journal of Engineering, Science and Information Technology Journal of Community Engagement Research for Sustainability Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Dedikasi: Jurnal Pengabdian Kepada Masyarakat Jurnal Sistim Informasi dan Teknologi Journal of Business Studies and Management Review Electronic Journal of Education, Social Economics and Technology Indo-Fintech Intellectuals: Journal of Economics and Business West Science Interdisciplinary Studies West Science Accounting and Finance Journal of Social Science and Business Studies West Science Interdisciplinary Studies West Science Social and Humanities Studies INTERNATIONAL JOURNAL OF SOCIETY REVIEWS (INJOSER) Jurnal SMART: Sosial Ekonomi Kerakyatan Journal of Innovative and Creativity Jurnal Penelitian Pendidikan Indonesia Management Studies and Business Journal Accounting Studies and Tax Journal COSMOS Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) International Journal of Business and Quality Research International Journal of Economics, Business and Innovation Research IECON: International Economics and Business Conference Jurnal Ekonomi, Manajemen, Akuntansi Indonesian Journal of Business and Entrepreneurship Research
Ahmad Nur Budi Utama
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MSME Financial Transformation: The Vital Role of Banking in Innovation and Service Provision Utama, Ahmad Nur Budi; Suryani, Ade Irma; Hamdiah, Hamdiah; Dhonal, Rama
Journal of Social Science and Business Studies Vol. 2 No. 4 (2024): JSSBS
Publisher : Yayasan Gema Bina Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61487/jssbs.v2i4.105

Abstract

The purpose of this research is to analyze the vital role of banking in supporting the financial transformation of MSMEs through financial service innovation in Jambi City and to identify and evaluate the impact of innovative financial services provided by banks on the growth and development of MSMEs in the process of financial transformation in Jambi City. This study employs qualitative research methods and utilizes data collection techniques such as in-depth interviews, participatory observations, and content analysis to obtain a comprehensive understanding of the research topic. The findings indicate that banking plays a crucial role in facilitating MSMEs' access to financial services essential for business growth. Banking support, particularly through financial service innovation, is the key to MSME transformation. By adopting new technologies and financial solutions, MSMEs can manage their finances more efficiently and optimize business growth. The study also highlights the importance of financial education for MSMEs. Banks can act as knowledge providers, offering insights into effective financial management, enabling MSMEs to become more competitive in the market. The financial transformation of MSMEs requires strong collaboration between banks, MSMEs, and the government to create an inclusive and sustainable financial ecosystem.
The Effect of Sharia Investment and Government Policy on the Financial Performance of MSMEs in West Java Budi Utama, Ahmad Nur; Firdaus, Dian; Priyana, Yana
West Science Interdisciplinary Studies Vol. 2 No. 07 (2024): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v2i07.1123

Abstract

This study investigates the impact of Sharia investment and government policy on the financial performance of Micro, Small, and Medium Enterprises (MSMEs) in West Java. Utilizing a quantitative approach, data was collected from 120 MSMEs through structured questionnaires employing a Likert scale ranging from 1 to 5. The collected data was analyzed using SPSS version 26 to determine the correlation and effect of the independent variables—Sharia investment and government policy—on the dependent variable, financial performance. The findings indicate a significant positive relationship between Sharia investment and financial performance, as well as between government policy and financial performance. This suggests that both Sharia-compliant financial practices and supportive government policies play crucial roles in enhancing the financial outcomes of MSMEs in the region. The results underscore the importance of adopting Sharia investment strategies and fostering government policies that support the growth and sustainability of MSMEs.
Application of RBV Theory In Measuring The Success of MSME Competitive Advantage Business Strategies In The Era of Uncertainty Efrina S, Liona; Azmi, Mohamad; Primadiva, Parassela Pangestu; Utama, Ahmad Nur Budi; Anggun, Debby
Electronic Journal of Education, Social Economics and Technology Vol 5, No 2 (2024)
Publisher : SAINTIS Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33122/ejeset.v5i2.722

Abstract

The application of Resource-Based View (RBV) theory becomes relevant for MSMEs to maximize internal resources that are unique and difficult to imitate in order to create a sustainable competitive advantage. The purpose of this study is to provide a more comprehensive insight into the role of a combination of internal resources and digital strategies in creating a sustainable competitive advantage amid market uncertainty.This research uses a quantitative method with a case study approach to gain a deeper understanding of the phenomenon in a particular context. Data collection techniques were conducted through questionnaires, observations, interviews, and documentation including reports, guidelines, and related research journals. After the data was collected, the analysis was carried out quantitatively using SEM-PLS.The results concluded that social capital, quality products, owner dedication, qualified staff, and effective control influence the success of MSMEs in a changing market.The application of Resource-Based View (RBV) theory emphasizes the importance of utilizing internal and external resources to create competitive advantage. In an era of uncertainty, the utilization of these resources allows MSMEs to adapt and survive in a dynamic market.
ANALISIS FINTECH LENDING SEBAGAI ALTERNATIF SUMBER PENDANAAN UNTUK MENGOPTIMALKAN PEMASUKAN BISNIS KECIL (UMKM) Utama, Ahmad Nur Budi; Husain, Anggriani; Piola, Marina Paramitha Sari; Al-Amin, Al-Amin
COSMOS : Jurnal Ilmu Pendidikan, Ekonomi dan Teknologi Vol 1 No 5 (2024): Agustus
Publisher : PUSDATIN Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/cosmos.v1i5.169

Abstract

Indonesia has experienced rapid economic growth, especially in the SME (Small and Medium Enterprises) sector. However, this growth is often hampered by limited access to capital and financing. As a solution, Fintech Lending has emerged as an innovative alternative source of funding. This study aims to analyze the role of Fintech Lending in supporting the optimization of income for small businesses in Indonesia. The method used is qualitative analysis with a literature study approach, involving data collection from various reliable and relevant sources. Research findings indicate that Fintech Lending provides ease of access to funding with a faster process and more flexible requirements compared to traditional financial institutions. This allows small business owners to expand operations, innovate, and ultimately optimize their business income. In addition, the transparency and fair credit assessment mechanisms of Fintech Lending help to build trust among small business players. Nonetheless, regulatory challenges and credit risks need to be considered to ensure the sustainability of this funding model. This research provides insights for stakeholders about the importance of integrating financial innovation and adequate regulatory support to advance the SME sector in Indonesia.
Fintech Innovations and Their Impact on Financial Inclusion: A Systematic Literature Review Utama, Ahmad Nur Budi; Hidayat, Muhammad
Management Studies and Business Journal (PRODUCTIVITY) Vol. 1 No. 8 (2024): Management Studies and Business Journal (PRODUCTIVITY)
Publisher : Penelitian dan Pengembangan Ilmu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62207/6hy6js31

Abstract

This research examines how consumer trust in fintech platforms influences the adoption of fintech services in regions with low banking penetration. Using a Systematic Literature Review (SLR) approach, this research explores current literature to identify the factors that shape consumer trust, as well as their impact on fintech adoption decisions. The main findings show that data security, transaction transparency, service provider reputation, customer support, and user experience are crucial factors that influence the level of consumer trust. Consumer trust has proven to be a key driver in fintech adoption, while low trust is often a barrier. This research also identifies differences in the influence of consumer trust based on population segments, as well as the role of local policies and regulations in shaping consumer trust. The implications of this research include suggestions for developing policies and practical strategies in the fintech industry to increase financial inclusion in regions with low banking penetration.
Upaya Peningkatan Pendapatan Petani Sayuran dengan Konsep Circle Business Sampah Organik Pada Kelompok Tani Sidodadi Lestari Paal Lima Kota Jambi Khalik, Idham; Syarif, Agus; Nur Budi Utama, Ahmad; Armando, Y.G; Setyaji, Hajar
Journal of Community Engagement Research for Sustainability Vol. 3 No. 4 (2023): Juli
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat Universitas Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31258/cers.3.4.207-214

Abstract

Sidodadi Lestari farmer group is a vegetable farmer group located in Paal Merah Jambi City whose area is directly adjacent to Jambi Sultan Thaha Airport, which means that the area is an area that is maintained as an airport peripheral area. As an agricultural area for vegetable commodities, the Sidodadi Lestari farmer group tries to cultivate its land with vegetable crops that are in demand by people in Jambi city, such as kale, spinach, slada, long beans, chili, and plants. The Sidodadi farmer group currently still uses chemical fertilizers mixed with commercially purchased manure. The group is appropriate as a model for the development of the circle business concept of organic waste to minimize waste and is expected to increase the income of the farmer group. The purpose of community service to the Sidodadi farmer group is to introduce the concept of Circle bussines organic waste through liquid fertilizer production technology in vegetable cultivation in the Sidodadi Lestari farmer group. The service method uses the method of socialization of activities, demonstration of making liquid organic fertilizer and practice by farmer groups. The implementation of the activity went according to plan, the Sidodadi Lestari farmer group was able to apply the Circle bussines concept of organic waste in their vegetable-based farming activities. The Sidodadi Lestari farmer group has the potential to increase income income by Rp.500,000 a month, and if the production capacity is increased, the potential income income will be greater.
Pelatihan Penyusunan Arus Kas (Cashflow) Dan Pembuatan Profil Usaha Bagi Kelompok UMKM Sahabat Berdikari Mandiri Solikhin, Agus; Syarif, Agus; Utama, Ahmad Nur Budi; SB, Istiqomah Malinda
Journal of Community Engagement Research for Sustainability Vol. 3 No. 4 (2023): Juli
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat Universitas Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31258/cers.3.4.215-222

Abstract

The aim of this Community Service is to educate MSME members of Sahabat Berdikari Mandiri (SBM) about the importance of business profiles and cash flow through improving skills (direct practice) in creating business profiles and arranging cash flow independently. The continuation of Community Service is expected to increase the profitability of MSMEs by creating business operational efficiency in terms of managing cash in and cash out of the business and increasing market share (product sales). The availability of business profiles and the application of cash flow in MSME operations will be able to add economic value and income for MSME players. The method of implementing this service is by means of lectures, demonstration illustrations, training and intensive mentoring with community service participants. Training on creating business profiles and preparing cash flow is a community service activity that will be carried out at partner locations, namely at the SBM Secretariat Puri Mayang Complex and the production houses of SBM MSME members in Jambi City. The service activities were attended by MSME participants who are members of the SBM MSME Association. The participant description will include 30 MSME players from 111 registered members as of March 3 2023 with business owner status. The results of the service show that the SBM business group has the ability to create a business profile and is able to organize cash flow by utilizing digital financial applications.
The Impact of Risk Management, Liquidity, and Leverage on the Financial Performance of Manufacturing Companies Listed on the Indonesia Stock Exchange Utama, Ahmad Nur Budi; Pranita, Fera Lufhidarani
West Science Accounting and Finance Vol. 2 No. 03 (2024): West Science Accounting and Finance
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsaf.v2i03.1436

Abstract

This study examines the impact of risk management, liquidity, and leverage on the financial performance of manufacturing companies listed on the Indonesia Stock Exchange (IDX). Utilizing a quantitative approach, data from 160 companies were collected using a structured survey and secondary financial data. The study employs Structural Equation Modeling with Partial Least Squares (SEM-PLS) to analyze the relationships between these factors. The results reveal that all three factors—risk management, liquidity, and leverage—have a significant positive effect on financial performance. Specifically, companies with stronger risk management practices, higher liquidity, and optimal leverage levels tend to demonstrate better financial outcomes. These findings provide valuable insights for corporate managers, investors, and policymakers, highlighting the importance of effective financial management in fostering sustainable business growth in the manufacturing sector. This research contributes to the understanding of financial performance drivers in emerging markets and offers practical recommendations for improving business performance.
Pengaruh Financial technology, Literasi Keuangan dan Financial Self Efficacy terhadap Pengelolaan Keuangan UMK Kuliner di Kota Jambi Lestari, Lintang; Setiawati, Rike; Utama, Ahmad Nur Budi
Ekonomis: Journal of Economics and Business Vol 8, No 2 (2024): September
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v8i2.2039

Abstract

A In this case, the sustainability of the UMK must be observed and can beined by doing good financial management. This is because the financial management can help the stakeholders in controlling the output and input, help improve efficiency and efficiency as well as be able to minimize financial risk. This research aims to find out the impact of the use of financial technology based on digital payment in particular e-wallet, financial literacy and financial self efficacy of the culinary UMK actors in Jambi City. The study used a quantitative approach with a sample of 377 respondents. The data used are primary and secondary data using questionnaires and references from some related literature. The data analysis method in this study uses SmartPLS 4. The results of this study show a positive and significant influence of the variables used Financial technology, financial literacy and financial self efficacy on financial management.
Pengaruh Financial Knowledge, Love of Money dan Financial Attitude terhadap Financial Management Behavior pada Generasi Z di Kota Jambi Rizki, Sri Ajeng Sukmala; Setiawati, Rike; Utama, Ahmad Nur Budi
Ekonomis: Journal of Economics and Business Vol 9, No 1 (2025): Maret
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v9i1.2445

Abstract

This study aims to analyze the influence of financial knowledge, love of money, and financial attitude on financial management behavior in Generation Z in Jambi City. This study uses a quantitative approach with a survey method involving 100 respondents from Generation Z in Jambi City. Data were collected through a questionnaire specifically designed to measure the variables studied. The data used are primary data obtained through a questionnaire with a Likert scale. The data analysis method in this study uses PLS (partial least square) using Smart PLS 3.0. The results of this study indicate that financial knowledge and financial attitude have a positive and significant effect on financial management behavior while love of money has a negative and insignificant effect on financial management behavior in Generation Z in Jambi City.
Co-Authors Ade Irma Suryani Ade Irma Suryani Ade Onny Siagian Ade Suhara Agus Solikhin, Agus Agus Syarif Agus Syarif Agus Syarif Al-Amin, Al-Amin Aminuyati Andi Najemi, Andi Andriani, Rusni Anggun, Debby Armando, Y.G Arnes Yuli Vandika Asep Machpuddin Asep Machpudin Aulia Beatrice Brilliant Avifa K, Zumrotul Azmi, Mohamad Bambang Purwoko Bunga Ayu Wulandari Candra Mustika Damara Gugat, Rudy Max Dhamiri Dheo Rimbano Diah Nurdiana Dwi Suryahartati Eddy Silamat Eddy Silamat, Eddy Erwita Dewi Fatimah Malini Lubis Firmansyah Firmansyah Frans Sudirjo Hamdiah Hamdiah Haris Karyadi Hasnadia Rusdi Hidayat, Gustina Husain, Anggriani Idham Khalik Idham Khalik, Idham Irma Suryani Istiqomah Malinda SB Iwan Henri Kusnadi Joko Sangaji Judijanto, Loso Kisthi Hanila Dewi Klemens Mere Lesmana, Tera Lestari, Lintang Liona Efrina S Makatita, Josephus Alberth Malinda S.B, Istiqomah Martis, Andi Maryati Ningsih Mohammad Ihsan Muhammad Haris Saputra Muhammad Hidayat Muhammad Luthfi Faisal Mukhzarudfa, Mukhzarudfa Mustika, Candra Mutia, R. Dewi Ningsih, Maryati Novita Sari Nurdiana, Diah Nurlelasari Ginting Pahlefi, Pahlefi Piola, Marina Paramitha Sari Primadiva, Parassela Pangestu Priyana, Yana Rama Dhonal Rasna, Rasna Rezki Fitriani Rike Setiawati Rizki Surya Pratama Rizki, Sri Ajeng Sukmala Rizqi Amaliyah, Angguliyah Romi Kurniadi Rusdi, Hasnadia Rusni Andriani Sasono, Heri SB, Istiqomah Malinda Setyaji, Hajar Shanty Sormin Sigit Indrajaya Siti Aisyah Tera Lesmana Titik Haryanti Tona Aurora Lubis Tona Aurora Lubis Tona Aurora Lubis Ummu Kalsum Usup, Usup Utami, Eva Yuniarti Vilano, M. Afif Vilano Fitrah Windarto Yana Priyana Zaenal Arief Zikriani, Hilyati Zumrotul Avifa K