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All Journal Journal of Economic, Bussines and Accounting (COSTING) J-MAS (Jurnal Manajemen dan Sains)
Michael Tirta
Universitas Surabaya
Economics, Econometrics & Finance Social Sciences

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Literasi Pemasaran Digital dan Teknologi Keuangan Sebagai Sarana Peningkatan Omset UMKM di Probolinggo Maria Febri Puji Hartanti; Candra Nola Mardita; Michael Tirta; Antonius Rama Angga Putra; Idfi Setyaningrum
J-MAS (Jurnal Manajemen dan Sains) Vol 8, No 1 (2023): April
Publisher : Universitas Batanghari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/jmas.v8i1.922

Abstract

The MSME sector plays an important role in national economic growth. The recovery adaptation period brings new opportunities for the MSME sector to develop and improve. By educating businesses about financial literacy, financial technology can help MSMEs grow financially. This business development method is especially seen in financial technology financing. In addition, careful use of access to finance should be encouraged among MSMEs to avoid financing problems. Quantitative and qualitative approaches are carried out to understand MSME financial literacy. The triangulation model combines in-depth interviews and observations of MSMEs to combine the strengths of both qualitative and quantitative approaches. This method is used to assess the financial needs of MSMEs using literature review, data collected from other sources and previous research journals. In addition to funding funding, Fintech can support the needs of MSMEs by combining various financial tools and services. In this new adaptation period, MSMEs need financial literacy and access to Fintech in order to develop. This is because many of them need to manage their finances wisely in order to remain financially capable. After COVID-19 researchers surveyed MSMEs in Probolinggo City for this study. The findings from this study indicate that digital marketing and financial technology payment services have a significant positive effect on increasing sales of Small, Micro, and Medium Enterprises (MSMEs). This is shown by the fact that fintech has a significant positive influence on increasing MSME turnover. In addition, digital literacy has a small but significant effect in reducing the negative impact of fintech on MSME sales. Observing the findings and benefits of the MSME study is expected to help improve MSME digitalization and the financial literacy of MSME entrepreneurs. Because technology plays an important role in business activities and it is important for entrepreneurs to increase their digital literacy in the current era.
Harmoni dan Tantangan Investasi Melalui Dinamika Harga Saham Berdasarkan BI Rate, Inflasi, Nilai Tukar, dan Harga Minyak Dunia Periode 2014-2021 Michael Tirta; Joshi Maharani Wibowo; Idfi Setyaningrum; Reza Ainul Yaqin
Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 2 (2024): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i2.8347

Abstract

Investment is synonymous with the activity of placing funds in the current period with the expectation of gaining profits in the future, one of which is through the capital market. One intriguing investment activity is Shariah-compliant investment, not limited solely to Muslims; even non-Muslims are interested in investing due to its principled process, providing a sense of tranquility, and enhancing confidence in transactions deemed halal. The determination of Shariah-compliant investments is undoubtedly influenced by macroeconomic factors. Therefore, it is crucial to examine how the BI rate, inflation, exchange rate, and oil prices affect Shariah stock prices. The method employed is explanatory through a multiple regression model with secondary data from the period 2014 to 2021. This study found that the BI rate and oil prices have an impact on Shariah stock prices. A high BI rate can make interest-based investment instruments more attractive than Shariah stocks, resulting in a shift of funds from the stock market to other financial instruments. Meanwhile, oil prices will affect the performance of companies, especially in the energy sector, such as production costs, transportation costs, and other expenses that use energy as a component of their activities.
Co-Authors Antonius Rama Angga Putra Candra Nola Mardita Idfi Setyaningrum, Idfi Joshi Maharani Wibowo Maria Febri Puji Hartanti Reza Ainul Yaqin