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IMPROVING SMALL AND MEDIUM BUSINESS INNOVATION KNOWLEDGE TRANSFER THROUGH TRIPLE HELIX AGENTS Dewandaru, Bothy; Rahmadi, Afif Nur; Sudjiono, Sudjiono
Jurnal Ekonomi Balance Vol. 17 No. 2 (2021): (December 2021)
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v17i2.6519

Abstract

Innovative developments in various countries are based on the triple helix mode. The triple helix model can play an important role in solving small and medium enterprise development problems. This model can also reveal the potential benefits and benefits for creative SMEs in developing countries. The purpose of this study was to determine the effect of knowledge transfer by academia, industry and government on SME innovation. This type of research is quantitative research with a total sample of 67 tofu and ikat weaving craftsmen in Kediri City. The results of this study are that there is a positive influence of knowledge transfer by industry on SME innovation, there is a positive influence of knowledge transfer by the government on SME innovation and there is no effect of knowledge transfer by academics on SME innovation.
The Influence of Financial Literacy and Financial Inclusion on The Performance of Msmes in Kediri City Putra, Dika Dimas; Rahmadi, Afif Nur; Lidiawan, Angga Rizka
Economics and Business Journal (ECBIS) Vol. 4 No. 1 (2025): November
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v4i1.251

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a vital role in Indonesia's economy, yet many face challenges such as limited capital, inadequate financial literacy, and restricted access to financial services, which hinder their growth and competitiveness. This study aims to analyze the influence of financial literacy and financial inclusion on MSME performance in Kediri City, focusing on entrepreneurs who received government capital assistance in 2024. Using a quantitative approach, data were collected from 100 MSME owners through purposive sampling, with questionnaires as the primary instrument. Statistical analyses, including multiple linear regression, t-tests, F-tests, and classical assumption tests, were conducted using SPSS 24. The results reveal that both financial literacy and financial inclusion have positive and significant effects on MSME performance, with the two variables jointly explaining 71% of performance variation. These findings indicate that improving financial knowledge and expanding access to financial services can substantially enhance MSME productivity, competitiveness, and sustainability. The study highlights the importance of targeted financial education and inclusive financial policies to strengthen the resilience and long-term growth of MSMEs in regional economies
PENGARUH WORD OF MOUTH, CITRA DESTINASI DAN BRAND IMAGE TERHADAP KEPUTUSAN KONSUMEN DALAM MEMILIH LEMBAGA KURSUS BAHASA ARAB DI KOTA PARE - KEDIRI Ruhamak, Muhammad Dian; Rahmadi, Afif Nur
EQUILIBRIUM Vol 7, No 1 (2019): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v7i1.8066

Abstract

This study aims to determine how much influence word of mouth, destination image and brand image have on consumer decisions. The population in this study were consumers, namely students who carried out Arabic language courses in the city of Pare, Kediri, as many as 81 respondents, because the population was less than 100, all of them were taken so this research is also called a census research. Sampling using non-probability sampling techniques. Data collection techniques used interviews, literature studies and questionnaires, while for data analysis using the validity and reliability of the questionnaire items, multiple linear regression analysis and proving hypotheses and drawing conclusions, were used, partial hypothesis testing with T test, simultaneous hypothesis testing with F test and the coefficient of determination. The test results show that Word of Mouth has a significant effect on consumer decisions, as evidenced by the results of sig.0.007 <0.05 and t count (2.772)> t table (1.98). Destination image has a significant effect on Consumer Decisions, as evidenced by the results of sig.0.002 <0.05 and t arithmetic (3.183)> t table (1.98). Brand Image has an effect on Consumer Decisions, as evidenced by the results with sig. 000 <0.05 and t count (9,517)> t table (1.98). Brand Image has the most dominant influence on Consumer Decisions, as evidenced by the results of the greatest calculation value of the other variables.Penelitian ini bertujuan untuk mengetahui seberapa besar pengaruh word of mouth, citra destinasi dan brand image terhadap keputusan konsumen. Populasi dalam penelitian ini adalah konsumen yaitu pelajar yang melaksanakan kegiatan kursus Bahasa arab di kota pare kabupaten Kediri sejumlah 81 orang responden, oleh karena jumlah populasi kurang dari 100 maka diambil seluruhnya sehingga penelitian ini juga disebut sebagai penelitian sensus. Pengambilan sampel menggunakan teknik non-probability sampling. Teknik pengumpulan data menggunakan wawancara, studi pustaka serta kuesioner, sedangkan untuk analisis data menggunakan uji validitas dan reliabilitas item kuesioner, analisis regresi linear berganda dan pembuktian hipotesis dan penarikan kesimpulan, digunakan, uji hipotesis secara parsial dengan Uji T, hipotesis secara simultan dengan Uji F serta koefisien determinasi. Hasil pengujian menunjukkan bahwa Word of Mouth berpengaruh signifikan terhadap Keputusan Konsumen, dibuktikan dengan hasil sig.0,007< 0,05 dan t hitung (2,772)> t table (1,98). Citra destinasi berpengaruh signifikan terhadap Keputusan Konsumen, dibuktikan dengan hasil sig.0,002<0,05 dan t hitung(3,183)>t tabel(1,98). Brand Image berpengaruh terhadap Keputusan Konsumen, dibuktikan dengan hasil dengan sig.0,000<0,05 dan t hitung(9,517)>t table (1,98). Brand Image berpengaruh paling dominan terhadap Keputusan Konsumen, dibuktikan dengan hasil nilai perhitungan yang paling besar dari variabel lainnya.
Pengaruh E-WOM, Brand Image dan Brand Trust Terhadap Keputusan Konsumen (Studi Kasus Pada Lembaga Kursus Fajar English Course Pare-Kediri) Ruhamak, Muhammad Dian; Rahmadi, Afif Nur
BISNIS Vol 7, No 2 (2019): Bisnis: Jurnal Bisnis dan Manajemen Islam
Publisher : Universitas Islam Negeri Sunan Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v7i2.6160

Abstract

This study aims to determine the effect of e-wom variables, brand image and brand trust on consumer decisions in institutions of the English course pare-kediri dawn courses. The population in this study were all consumers of English course dawn courses in August-September 2019 of 89 respondents, because less than 100 then the whole was taken to be sampled. Methods of data analysis using the validity and reliability of the questionnaire, multiple regression analysis, f and t test and the coefficient of determination. From the test results obtained e-wom variables, brand image and brand trust simultaneously have a positive and significant effect on consumer decisions with a value of fcount 41.919> 2.71 (fcount) and a significance value of 0.000. Partially e-wom and brand image have a positive and significant effect on consumer decisions with a tcount of 3.795> 1.99, 5.714> 1.99 and a significance of 0.000. While brand trust is negative and does not have a significant effect on consumer decisions with consumer values, this is based on test results that show a t-value of -1.625 <ttable 1.99 and a significance value of 1.08. Brand image has the most dominant influence on consumer decisions because it has the most influence.