Garuda - Garba Rujukan Digital

MENGURAI JERATAN PRAKTIK RENTE KOPERASI ABAL-ABAL Studi Kasus Pada Warung Sembako di Kota Malang ALERIA IRMA HATNENY; DWI KURNIAWAN EFFENDI; AMELIA SETYAWATI
AKADEMIKA Vol. 21 No. 2 (2023): Agustus 2023
Publisher : Pusat Publikasi dan Penerbitan Karya Ilmiah STIE Indonesia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51881/jak.v21i2.46

The existence of a minimarket network, the proliferation of 24-hour shop chains and the Covid 19 pandemic cannot be denied, that it has increasingly the complicated problems of micro business capital, especially grocery store in urban areas. Will grocery store exist when their business capital relies on fake cooperatives that are increasingly taking advantage of these conditions? Through a phenomenological qualitative approach, its tries to explore the problems surrounding the decision to borrow capital from fake cooperatives by urban grocery store entrepreneurs in Malang City. The results of the study found that the capital problem for grocery store is very complex. Many factors underlie the act of borrowing from fake cooperatives. The bondage of fake cooperative loans creates a capital burden and a wide-reaching impact not only on the urban grocery store business operators, most of whom are women, but also on their families.

MSME Performance Strategy Post Covid-19 Pandemic Through The Implementation Of Innovations And Strategic Decisions: Systematic Literature Review (SLR) Amelia Setyawati; Iradah Rahman; Adelia Rahma; Farij Ibadil Maula
Brilliant International Journal Of Management And Tourism Vol 3 No 2 (2023): June: 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.v3i2.1486

One place for students who want to learn about entrepreneurship through After the Covid-19 Pandemic caused high environmental pressure to occur. One of them occurred in the increasingly uncertain sector of the country's economy. There are many things that can be done to provide economic solutions, one effective way is through improving the performance of MSMEs. Micro, Small and Medium Enterprises (MSMEs) have important characteristics in economic development, both in developing and developed countries. The importance of the role of MSMEs in helping the country's economy, it is hoped that the longer the development of MSME performance will increase. The strategy decision emerged as a response to the current decline in MSME graphics performance, with steps. Strategic planning in small companies is much more informal compared to large businesses, however, MSMEs must continue to develop new missions, goals, strategies and policies, to then compare external opportunities and threats with their potential strengths and weaknesses. In this study MSME innovation as an additional stimulus because innovation is thought to increase competitive advantage, understanding the relationship between performance and innovation in micro, small and medium enterprises can help the company's competitive strategy. The method used in this research is Systematic Literature Review (SLR) by collecting and analyzing journals. related to keywords. Based on the literature study conducted, it was found that the strategic decisions made by MSME actors were still not quite right, on average MSME actors made short-term strategic decisions. Meanwhile, the innovation of MSME actors is very qualified to have a competitive advantage and competitiveness. The results of the research have implications for the first two things in the behavior of MSMEs, it is hoped that they will continue to improve their abilities creatively, innovatively and adaptively, both parties the government is expected to continue to improve and equip MSMEs facilities evenly and improve mentoring programs / training for MSMEs.

Literature Review : Digital Integration to Start a Sustainable Dream Business Amelia Setyawati; Djoewita Djoewita; Amelia Sugangga; Ludi Wishnu Wardana; Agus Hermawan
International Journal Business, Management and Innovation Review Vol. 1 No. 2 (2024): May : International Journal Business, Management and Innovation Review
Publisher : Universitas Veteran Bangun Nusantara Sukoharjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijbmir.v1i2.13

The aim of this research is to investigate the concrete steps needed to start a dream business in the era of digital transformation. Through a step-by-step approach, researchers intend to provide practical guidance for entrepreneurs who want to utilize digital technology to create sustainable businesses. The novelty of this research lies in its systematic and detailed approach in assembling the steps needed to start a dream business. By emphasizing the importance of integrating digital technology in every stage, researchers bring the concept of digital transformation from theory to practice. The urgency of this research is increasingly felt amidst changing market dynamics and pressure to adapt to technological changes. Businesses that are unable to adapt to these changes risk being left behind and losing their competitive edge. The method used in this research is Systematic Literature Review (SLR) by collecting relevant previous research through publish or publish then analyzing the article and narrowing it down regarding keywords. Through a literature review approach, the author explores the basic concepts of digital business transformation and its implementation framework in the context of a start-up business. Researchers detail the basic concepts of digital business transformation and the urgency of implementing them among business actors. The results of this research provide practical guidance that can help entrepreneurs start their dream business with targeted and effective steps. By utilizing digital technology wisely, businesses can increase their operational efficiency and expand market reach. Researchers also provide implications regarding the importance of awareness and skills in utilizing digital technology as a tool to achieve business goals. Additionally, the emphasis on business sustainability underscores the importance of considering the environmental and social impacts of business activities. As a recommendation , entrepreneurs are advised to continue to develop digital literacy and actively seek opportunities to integrate technology in their business strategies. Additionally, collaboration with other stakeholders, including governments and non-governmental organizations, can help create a business ecosystem that supports sustainability and innovation

Effects Of Financial Ratios On Financial Distress In Property And Real Estate Companies Amelia Setyawati; Fanny Setyo Fidhyanti; Amelia Sugangga; Iradah Rahman
International Journal of Management Research and Economics Vol. 3 No. 3 (2025): August : International Journal of Management Research and Economics
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/ijmre-itb.v1i3.656

The phenomenon of the Covid-19 pandemic has caused several property and real estate companies to experience financial difficulties. The domino effect of the Covid-19 pandemic has had a major impact on the economy, especially property and real estate companies. Many companies experience a decline in financial conditions that occurred before bankruptcy or can be called financial distress. This study aims to provide empirical evidence regarding the effect of profitability, liquidity, and leverage on financial distress. The number of companies that were sampled in this study were 23 companies listed on the Indonesia Stock Exchange (IDX) during the 2019 - 2020 period. The urgency of this research was carried out because in the current state of the economic crisis, it is necessary to organize a financial strategy through maximum profitability, liquidity, leverage will avoid Financial Distress on the company. The results of this study indicate that partially profitability (X1), liquidity (X2), leverage (X3) have a significant effect on financial distress in property and real estate companies. The results of the study also show that simultaneously profitability (X1), liquidity (X2), leverage (X3) have a significant effect on financial distress in property and real estate companies. Based on the results of these studies, this research has implications for investors and potential investors to be wiser in making investment decisions in a company, taking into account the condition and financial performance of the company and other factors so that the investment becomes more precise and generates the desired profit.

Enhancement Literacy Finance As A Key Factor In Realize Development Sustainable At The Destination Business Tour Religion Amelia Setyawati; Puji Handayati; Arief Noviarakhman Zagladi
International Journal of Management Research and Economics Vol. 1 No. 4 (2023): November : International Journal of Management Research and Economics
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/ijmre-itb.v1i4.1014

The complexity and importance of the role of the religious tourism business in a global context, where spiritual and religious destinations not only attract tourists, but also become centers of economic and cultural activities. The success of a religious tourism business destination depends not only on its spiritual appeal, but also on the manager's ability to understand and manage financial aspects wisely. The importance of increasing financial literacy in the context of the religious tourism business is increasingly visible due to the various challenges faced by the tourism industry, including climate change, changes in consumer behavior and global market dynamics. Recognizing the financial literacy gap in the religious tourism business can be integrated into education and training programs for industry players. The method used in this research is a qualitative research approach with a descriptive research type, to observe the extent to which MSME business actors in the Wali Sembilan religious tourism area understand and can apply financial literacy to increase their business success. This research took place in the Wali Sembilan religious tourism area. Based on results reduction observations, interviews and documentation that have been done interpret it can stated that enhancement literacy finance become factor key in realize development sustainable destination business tour Wali Sembilan religion. Profile perpetrator diverse businesses _ in literacy finance show necessity effort increase, especially among MSMEs as _ bone back economy populist. Enhancement literacy finance give impact positive on ability perpetrator business in make decision smart finances, planning _ investing, and managing risk, create environment stable and powerful business _ competitive. Therefore _ that 's necessary done steps strategic like strengthening literacy programs finance, cooperation between government and private, and integration literacy finance in curriculum education For support continuity economy and business in the destination that.

MSME Performance Strategy Post Covid-19 Pandemic Through The Implementation Of Innovations And Strategic Decisions: Systematic Literature Review (SLR) Amelia Setyawati; Iradah Rahman; Adelia Rahma; Farij Ibadil Maula
Brilliant International Journal Of Management And Tourism Vol. 3 No. 2 (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.v3i2.1486

One place for students who want to learn about entrepreneurship through After the Covid-19 Pandemic caused high environmental pressure to occur. One of them occurred in the increasingly uncertain sector of the country's economy. There are many things that can be done to provide economic solutions, one effective way is through improving the performance of MSMEs. Micro, Small and Medium Enterprises (MSMEs) have important characteristics in economic development, both in developing and developed countries. The importance of the role of MSMEs in helping the country's economy, it is hoped that the longer the development of MSME performance will increase. The strategy decision emerged as a response to the current decline in MSME graphics performance, with steps. Strategic planning in small companies is much more informal compared to large businesses, however, MSMEs must continue to develop new missions, goals, strategies and policies, to then compare external opportunities and threats with their potential strengths and weaknesses. In this study MSME innovation as an additional stimulus because innovation is thought to increase competitive advantage, understanding the relationship between performance and innovation in micro, small and medium enterprises can help the company's competitive strategy. The method used in this research is Systematic Literature Review (SLR) by collecting and analyzing journals. related to keywords. Based on the literature study conducted, it was found that the strategic decisions made by MSME actors were still not quite right, on average MSME actors made short-term strategic decisions. Meanwhile, the innovation of MSME actors is very qualified to have a competitive advantage and competitiveness. The results of the research have implications for the first two things in the behavior of MSMEs, it is hoped that they will continue to improve their abilities creatively, innovatively and adaptively, both parties the government is expected to continue to improve and equip MSMEs facilities evenly and improve mentoring programs / training for MSMEs.

Student Online Business Readiness in the Perspective of Digital Mindset: Phenomenological Study on Students in Malang Amelia Setyawati; Adelia Rahma; Brillian Rosy; Amelia Sugangga; Sudarjo Sudarjo; Hario Hario; Dieva Zahrohtu Anfi
Management Dynamics: International Journal of Management and Digital Sciences Vol. 2 No. 4 (2025): International Journal of Management and Digital Sciences
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70062/managementdynamics.v2i4.395

The development of digital technology has changed global business patterns, including in Indonesia, through the growth of e-commerce, social media, and online platforms. This change opens up great opportunities for students as the educated young generation to develop online businesses. This research aims to explore students' online business readiness from a digital mindset perspective through a phenomenological study approach among students in Malang. The research focuses on online business readiness, digital mindset, attitudes towards technology, and the contribution of entrepreneurship learning, which are analyzed using the Theory of Planned Behavior framework(Ajzen, 1991) and Entrepreneurial Mindset Theory. The research used qualitative methods with in-depth interviews with online business students. The results show that students have a basic understanding of digital business, especially in utilizing social media and marketplaces. A positive attitude towards technology has been formed, indicated by perceived benefits and ease of use. However, a gap emerges between technical skills and long-term strategic planning capabilities. Innovation and problem-solving tend to be reactive, simply following trends, while psychological resistance such as fear of fraud and data security remain barriers. This research confirms that online business readiness is not only determined by technical skills, but also by the strengthening of an adaptive, innovative digital mindset. This research confirms that online business readiness is not only determined by technical skills, but also by strengthening an adaptive, innovative, and resilient digital mindset.The novelty of this research is the integration of TPB and Entrepreneurial Mindset Theory to understand students' readiness to face digital business challenges.

Determinansi Kebijakan Hutang Perusahaan Manufaktur Yang Terdaftar Di BEI Tahun 2018-2022 Amelia Setyawati; Moehammad Nasri Abdoel Wahid; Soehartatiek Soehartatiek; Dwi Kurniawan Effendi
Master Manajemen Vol. 1 No. 4 (2023): Master Manajemen
Publisher : Fakultas Ekonomi & Bisnis, Universitas Nusa Nipa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59603/masman.v1i4.351

Manufacturing companies on the Indonesia Stock Exchange (BEI) face various challenges in managing their financial policies, especially in making decisions related to dividend policy, profitability, liquidity and growth. This phenomenon shows the complexity in maintaining an optimal balance between dividend policy, profitability, liquidity and company growth. This research aims to identify and analyze the influence of dividend policy, profitability, liquidity and company growth on debt policy. The aim of this research is to analyze and measure the influence of dividend policy, profitability, liquidity and company growth on the debt policy of manufacturing companies listed on the Indonesia Stock Exchange during the 2018-2022 period. This research uses a quantitative approach by collecting financial data from manufacturing companies listed on the IDX during that period. The data analysis technique involves statistical regression to measure the relationship between dividend policy, profitability, liquidity and company growth and debt policy. The results of data analysis show that there is a significant influence of dividend policy, profitability, liquidity and company growth on debt policy. The implication of these findings is that companies need to holistically consider these factors in financial decision making to ensure the optimality of their financial structure. This research contributes to the understanding of the factors that influence the debt policies of manufacturing companies in Indonesia. The practical implication is that company management can use these findings as a guide to optimizing their financial structure, which in turn can improve company performance and shareholder value. These findings can also provide new insights for regulators and academics in designing policies that support company growth and sustainability.

Ability To Use Digitalization In Increasing The Competitive Advantages Of Msmes In Indonesia: Systematic Literature Review (SLR) Amelia Setyawati; Amelia Suggangga; Nyuherno Aris Wibowo; Adelia Rahma; Farij Ibadil Maula
International Journal of Economics and Management Research Vol. 2 No. 2 (2023): August : 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.v2i2.94

The business world is currently experiencing disruption, the impact of technological and digital developments. the emergence of various kinds of sophisticated technological advances such as the Internet of Things (IoT), Advanced Robotics, 3D Printing, Artificial Intelligence and other technologies that enable changes from conventional work systems to automation and digital integration. With the phenomenon of technological disruption, a problem is being faced by MSMEs, the competitive advantage possessed by MSME players in Indonesia is decreasing. Recognizing that there is a gap in the use of technology in productive and not consumptive use, it is necessary to carry out further research, to find out more deeply, whether the use of technology in MSMEs will really have an impact on building and maintaining an MSMEs. The method used in this research is Systematic Literature Review (SLR) by collecting and analyzing journals related to keywords. Based on the literature study conducted, it was found that the competitive advantage of MSMEs in Indonesia, one of which is that MSMEs have the organizational ability to attract customers and build prestige for the organization or its products and increase the value felt by customers and achieve their satisfaction which is also the ability to provide various values to customer. Competitive advantage is not fixed, but needs to continuously evolve to keep in touch with various developments, economic, political, social and technological. The results of this research have implications for two things: first, the behavior of MSMEs is expected to continue to upgrade capabilities creatively, innovatively and adaptively, secondly, the government is expected to continue to improve and complement MSMEs facilities evenly and improve mentoring / training programs for MSMEs.

Empowering MSMEs: The Impact Of Financial Literacy And Inclusion : Systematic Literature Review Amelia Setyawati; Sudarmiatin Sudarmiatin; Ludi Wishnu Wardana
International Journal of Economics and Management Research Vol. 2 No. 3 (2023): December : 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.v2i3.132

Micro, Small and Medium Enterprises (MSMEs) play a crucial role in the global economy by making a significant contribution to economic growth, job creation and increasing social inclusion. However, many MSMEs face challenges in optimizing their potential due to limited resources and access to financial services. Financial literacy among MSME players can be a fundamental pillar in forming smart and sustainable financial decisions. Financial inclusion provides wider access to financial services, such as banking and insurance, for MSMEs. With strong financial inclusion, MSMEs can overcome financial obstacles and take more measured risks, encourage innovation and stimulate local economic growth. The method used in this research is Systematic Literature Review (SLR) by collecting and analyzing journals related to keywords. Based on the literature study conducted, it was found that the importance of increasing financial literacy is the main key in helping Micro, Small and Medium Enterprises (MSMEs) overcome financial challenges and increase the effectiveness of business decision making. The need for more targeted financial education programs for MSME owners was also highlighted. In addition, supporting financial inclusion by providing wider and easier access to financial services can be a driver of MSME growth. Steps such as simplifying the credit process and integrating digital payment services are considered vital. Research also shows that there is a strong synergy between financial literacy and inclusion, where better financial literacy prepares MSMEs to utilize financial services, while effective financial inclusion facilitates their access to such services. Despite these developments, research highlights gaps in access to education and financial technology, emphasizing the need for more inclusive and holistic efforts to support MSME growth.

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