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The Influence of Entrepreneurial Orientation and Customer Relationship Management on MSME Competitiveness Sembiring, Lenny Dermawan; Setyawati, Amelia; Indajang, Kevin; Putri, Juan Anastasia; Sudirman, Acai
International Journal of Business, Law, and Education Vol. 4 No. 2 (2023): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v4i2.285

Abstract

Competitive advantage is realized through continuous sustainability (sustainable competitive advantages), so new strategies must be designed. The strategy designed will certainly be able to dominate both the old market and the new market. The main aim of this research is to analyze the influence of entrepreneurial orientation and customer relationship management on MSME competitiveness. This research uses a literature and field design with a causal associative approach. This study uses a research instrument test consisting of validity and reliability tests. The quantitative analysis consists of a normality test, regression test, hypothesis test, correlation test, and coefficient of determination. Data analysis confirms that entrepreneurial orientation and customer relationship management have a significant effect on MSME competitiveness. The implications of research on entrepreneurial orientation and Customer Relationship Management (CRM) on business competitiveness can provide valuable insights for Micro, Small, and Medium Enterprises (MSME) owners and related parties. Research on entrepreneurial orientation and CRM can help MSMEs develop more targeted business strategies. They can understand how innovation and customer relationship management can be key drivers of their business competitiveness.
Determinants of Employee Work Productivity in UMKM Malang Setyawati, Amelia; Nyuherno Aris Wibowo; Rayyan Sugangga; Adelia Rahma; Farij Ibadil Maula
Brilliant International Journal Of Management And Tourism Vol. 3 No. 1 (2023): Brilliant International Journal Of Management And Tourism
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/bijmt.v3i1.1121

Abstract

The domino effect of the post-pandemic period is that many MSME actors who were previously successful have collapsed and even closed, on the other hand from the 2019-2021 Covid-19 pandemic, new MSME actors have grown, even to the point where they immediately opened many branches everywhere. To make MSMEs survive and be able to survive, MSME actors and their employees must remain productive. Every MSME will experience high levels of productivity maintained by disciplined team members. The effect of work discipline is having a strong work ethic will be able to carry out their duties as effectively and efficiently as possible, so that the MSME business can achieve its productivity goals. In addition, the work environment is very important for the MSME business strategy because it functions as a location where employees carry out their daily work activities. In MSME work productivity, motivation is often described as supporting productivity. This study aims to complete the gaps in previous studies by conducting a comprehensive study of the factors that increase the work productivity of MSMEs in Malang Raya which are influenced by work ethic, work motivation, work discipline and work environment. Researchers are motivated to do this research because the work productivity of MSMEs will have a positive impact on the growth of MSMEs.
The Challenges Of SMEs In Improving Team Work Discipline Affected By Motivation And Leadership In SMES In Malang Raya Setyawati, Amelia; Feni Azadilah; Rayyan Sugangga; Adelia Rahma; Farij Ibadil Maula
International Journal of Economics and Management Research Vol. 2 No. 1 (2023): April : International Journal of Economics and Management Research
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v2i1.72

Abstract

The situation after the COVID-19 pandemic is now challenging Indonesian MSMEs, especially in Malang Raya, to maintain the existence of the economy. Team discipline determines the success or failure of an MSME. Teamwork requires the following laws. In addition, exemplary leadership must be given as a leader. In SMEs, motivation is the encouragement that makes someone want to work to meet their needs/desires. More specifically, leaders need role models to inspire their teams. The research aims to fill in the gaps of previous studies by conducting a comprehensive study of the discipline of teamwork in MSME actors in Malang Raya which is influenced by the owner's leadership and motivation. The researchers studied conducted this research because the discipline of the UMKM team would increase the growth of UMKM. This research contributes to three things, the first is to provide insight regarding the performance team of MSME actors. Both provide valuable information for the government to increase MSME participation. The third raises the leadership mindset of Malang Raya UMKM owners. Quantitative research with explanatory research. X1 Leadership and X2 Motivation affect the dependent variable Y Work Discipline of UMKM entrepreneurs in Malang Raya. MSME actors in Malang Raya, especially restaurants that already have branches, 22 MSME owners took a census/overall sample. The indication of each variable was adapted from relevant previous research. Data collection uses a questionnaire issued by MSME owners. Data analysis used SPSS for Windows 15. The results showed that partially motivation (X1) had an effect on employee discipline. (2) Leadership (X2) has a significant effect on discipline employees. (3) Motivation (X1) and Leadership (X2) affect work discipline simultaneously. (4) Research shows that leadership has a significant effect on employee discipline.
The Effect of Financial Literacy and Inclusion on Personal Financial Management with Fintech as a Moderating Variable Setyawati, Amelia
Journal of Applied Business, Taxation and Economics Research Vol. 4 No. 6 (2025): August 2025
Publisher : PT. EQUATOR SINAR AKADEMIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54408/jabter.v4i6.524

Abstract

This study examines the role of financial technology (fintech) as a moderating variable in the relationship between financial literacy and financial inclusion on personal financial management among the productive age group in Malang City. The research approach used is explanatory quantitative with purposive sampling technique, resulting in 113 respondents who met the criteria. The data were analyzed using multiple regression analysis and Moderated Regression Analysis (MRA) with the help of SPSS 22. The results show that: (1) financial literacy has a positive and significant effect on personal financial management; (2) financial inclusion does not have a significant effect on personal financial management; (3) fintech cannot moderate the effect of financial literacy on personal financial management; (4) fintech is proven to moderate the effect of financial inclusion on personal financial management. These findings reveal the complexity of the dualistic role of fintech—on the one hand, it is unable to strengthen the influence of financial literacy, but on the other hand, it has succeeded in transforming financial access into better management capabilities. This study makes an important contribution to the development of financial behavior theory in the digital era and has practical implications for regulators and fintech service providers in designing more effective financial education and digital financial service strategies.
Investment Motivation, Technological Advancement, and Financial Literacy on Investment Interest in the Capital Market Setyawati, Amelia
Journal of Applied Business, Taxation and Economics Research Vol. 4 No. 6 (2025): August 2025
Publisher : PT. EQUATOR SINAR AKADEMIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54408/jabter.v4i6.525

Abstract

The study seeks to investigate how factors such as investor enthusiasm for investments, innovations in technology, and knowledge about finance influence people's inclination towards participating in stock trading markets. The study employs this quantitative methodology by gathering initial information through questionnaires. A targeted selection method was employed for choosing the study participants. The research gathered data from over 130 participants across various beginner stock investor forums located in Eastern Indonesia. This study employed multivariate analysis through linear regression techniques. Investment incentives influence investor engagement within financial markets. Technological advancements significantly influence investor enthusiasm. Partially, financial literacy influences investment enthusiasm significantly
The Relationship Between Financial Literacy, Lifestyle, Locus of Control, and Parental Income tith the Financial Behavior of University Students Setyawati, Amelia
International Journal of Business, Law, and Education Vol. 6 No. 2 (2025): International Journal of Business, Law, and Education (On Progress July-Desembe
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v6i2.1253

Abstract

This study aims to analyze the influence of financial literacy, lifestyle, locus of control, and parental income on student financial behavior. The problem raised is the low level of healthy financial behavior among students despite the increasing access to financial information. This study uses a quantitative approach with a descriptive design. A sample of 120 undergraduate students from the Indonesian College of Economics in Malang was selected using proportional stratified random sampling. Data were collected through a Likert scale questionnaire and analyzed using multiple linear regression. The results showed that financial literacy, lifestyle, and locus of control had a significant effect on student financial behavior, while parental income had no significant effect. The coefficient of determination of 0.163 indicated that 16.3% of the variation in financial behavior was explained by the research variables. This study emphasizes the importance of internal factors over family economic factors. The practical implication is the need for financial literacy programs accompanied by lifestyle guidance and strengthening of students' self-control.
The Influence of Financial Literacy and Government Financial Support on the Financial Performance of Micro Businesses: the Mediating Role of Access to Finance Setyawati, Amelia
International Journal of Business, Law, and Education Vol. 6 No. 2 (2025): International Journal of Business, Law, and Education (On Progress July-Desembe
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v6i2.1268

Abstract

This study aims to analyze the effect of financial literacy and government financial support on financial performance, with access to financing as a mediating variable. A quantitative approach was used in this study, with Structural Equation Modeling–Partial Least Squares (SEM-PLS) analysis techniques processed using SmartPLS 4 software. The research population included micro-businesses in the agribusiness sector in Batu City, with a sample size of 383 agribusiness entrepreneurs residing in the region. The findings show that both access to financing and government financial support have a positive and significant effect on financial performance. Conversely, financial literacy does not have a significant direct impact on financial performance. However, access to financing was found to mediate the relationship between financial literacy and government financial support with financial performance. These results provide policy recommendations to improve the financial performance of micro businesses by increasing financial literacy and strengthening government financial support, by expanding access to sources of financing—thereby ultimately improving the welfare of micro entrepreneurs.
EVALUATION OF THE DEVELOPMENT STRATEGY OF THE STIEIMA SMALL BUSINESS INCUBATOR BASED ON THE IDENTIFICATION OF INTERNAL AND EXTERNAL FACTORS Wea, Maria Angelia; Novaretha , Adinda Yosa; Mahdi, Ahmad Syakban Alfian; Aini, Alvia Nur; Putri, Amanda Olivia; Hariyanto, Bintang Cahya; B.S.M, Dama Rio Laksamana; Putri, Fira Desika; P.S, Icha Sukma; Maulana, Ifan Rachmad; Setyawati, Amelia
Nusantara Economics and Entrepreneurships Journals VOl.3,N0.2, (AUGUST, 2025), IN PRESS
Publisher : PUSAT KEWIRAUSAHAAN UNIVERSITAS BALIKPAPAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/necent.v3i2.97

Abstract

This study aims to evaluate the development strategy of STIEIMA's Small Business Incubator (SBI) by identifying internal and external factors that influence its performance. STIEIMA's SBI serves as a forum for fostering student entrepreneurship by providing production support, mentoring, operational facilities, and marketing access. The research uses a qualitative descriptive approach with data collection techniques in the form of field observations, interviews with managers, and documentation of operational activities. The results of the analysis show that the main internal strengths include ownership of production and brands, as well as low-cost supplier relationships. Meanwhile, significant weaknesses include an unstrategic location, limited facilities, short operating hours, and the risk of defective products. External factors indicate opportunities in the form of marketing digitalization and online store development, as well as the potential for collaboration with surrounding MSMEs. On the other hand, threats come from business competition around the campus and increasingly competitive online sellers. Based on the SWOT analysis, SBI STIEIMA is in a position that requires a development strategy through product diversification, digital marketing optimization, facility improvements, and strengthened operational management. This study emphasizes that the formulation of an appropriate strategy based on internal and external factors is necessary to enhance the competitiveness and sustainability of the incubation program in the campus environment.
BUSINESS SUSTAINABILITY MODEL OF THE MSME SECTOR IN INDONESIA: THE ROLE OF FINANCIAL LITERACY, INNOVATION CAPABILITY, AND KNOWLEDGE MANAGEMENT AS PREDICTORS Setyawati, Amelia; Sugangga, Amelia; Rahman, Iradah; Mirando, Uditha
SULTANIST: Jurnal Manajemen dan Keuangan Vol. 13 No. 2 (2025)
Publisher : Sekolah Tinggi Ilmu Ekonomi Sultan Agung Pematangsiantar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37403/sultanist.v13i2.759

Abstract

This research aims to develop a business sustainability model in Indonesia's Micro, Small and Medium Enterprises sector by examining the role of financial literacy, innovation capability and knowledge management as the main predictors. The research method uses a quantitative survey design involving 350 MSME players in various industrial sectors in Indonesia. Data was collected through a structured questionnaire, which was analysed using the Structural Equation Modelling (SEM) technique to test direct and indirect relationships between variables. The research results show that financial literacy, innovation capability, and knowledge management positively and significantly influence the sustainability of MSME businesses, both partially and simultaneously. These findings provide practical implications for MSME actors and policymakers to prioritise capacity-building programs in these three areas to build a stronger sustainability foundation. In addition, this research enriches the literature regarding strategies for strengthening MSMEs in developing countries, while also opening opportunities for further studies that integrate external factors such as government support and digital technology within the framework of business sustainability models.