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PENGARUH FINANCIAL LITERACY, FINANCIAL INCLUSION, FINANCIAL BEHAVIOR TERHADAP KEPUTUSAN MELAKUKAN PINJAMAN ONLINE Irena, Florencia; Mastan, Stanislaus Adnanto
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 3 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i3.14377

Abstract

This research aims to determine the influence of financial literacy, financial inclusion, and financial behavior on the decision to take out peer-to-peer (P2P) lending. The data collection method used in this study is primary data, with purposive sampling method. The questionnaire was distributed to 106 student respondents currently pursuing their education in Surabaya. The data for this research was processed using the Structural Equation Models-Partial Least Square (SEM-PLS) software. The results of this research indicate that financial inclusion and financial behavior have a positive and significant effect on the decision to take out peer-to-peer (P2P) lending. However, financial literacy does not have an influence as it has a hypothesis test result greater than 0.05. The Adjusted R-Square value of 0.474 means that the independent variables contribute to 47.4%, while the remaining 52.6% is influenced by other variables not included in this study
NASI AYAM BLUE OCEAN: MENCIPTAKAN RUANG PASAR BARU Halan, Yohanes Fabiyola; Mastan, Stanislaus Adnanto
BUDIMAS : JURNAL PENGABDIAN MASYARAKAT Vol. 8 No. 1 (2026): BUDIMAS : Jurnal Pengabdian Masyarakat
Publisher : LPPM ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/budimas.v8i1.19244

Abstract

Dokumen ini menganalisis transformasi strategis UMKM "Usaha Nasi Ayam" dari pendekatan Red Ocean ke Blue Ocean, bertujuan menciptakan ruang pasar baru dan meningkatkan daya saing. Fokus utama adalah inovasi produk berbasis kearifan lokal dan peran pendampingan akademis. Melalui program pendampingan lima tahapan, mulai dari identifikasi pasar hingga pemasaran digital, UMKM ini mengembangkan produk baru seperti Chicken Rice Bowl dan Potato Wrap yang memadukan cita rasa lokal dengan penyajian modern. Hasilnya menunjukkan inovasi nilai sebagai kunci keberhasilan, menggabungkan tradisi dan modernitas, serta meningkatkan efisiensi produksi dan kepuasan pelanggan. Adopsi teknologi digital dan co-creation dengan konsumen terbukti efektif memperluas jangkauan pasar dan membangun loyalitas merek. Pembentukan Prosedur Operasional Standar (SOP) juga memperkuat landasan manajerial. Kesimpulannya, penerapan Blue Ocean Strategy melalui pendampingan ini memberikan dampak signifikan, memungkinkan "Usaha Nasi Ayam" untuk berinovasi, beradaptasi, dan mencapai pertumbuhan berkelanjutan di pasar kuliner yang kompetitif. Kata Kunci: Strategi Blue Ocean, UMKM, Inovasi Produk Lokal
Innovation Revolution and Entrepreneurial Finance: Transforming the Performance of Businesses beyond Traditional Boundaries Mastan, Stanislaus Adnanto; Radianto, Wirawan Endro Dwi
Jurnal Aplikasi Manajemen Vol. 23 No. 4 (2025)
Publisher : Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/

Abstract

Micro, small, and medium enterprises (SMEs) serve as the backbone of Indonesia’s economy, and their performance requires continuous strengthening because family-owned businesses dominate the sector and face persistent challenges in managing innovation and financial resources. This study aims to analyze the influence of innovation and entrepreneurial finance on business performance, particularly within family-owned SMEs in Indonesia, where family-owned businesses dominate the sector and face persistent challenges in managing innovation and financial resources, creating a strategic question about how these two factors jointly affect business performance. The study adopts a quantitative approach, distributing structured questionnaires to 309 SME owners and managers across multiple sectors, and uses purposive sampling to capture diverse business conditions. The data are examined using Partial Least Squares Structural Equation Modeling (PLS-SEM) to evaluate both measurement and structural models. The findings demonstrate that innovation exerts a significant positive effect on business performance and that entrepreneurial finance strengthens this effect by mediating the relationship between innovation and performance. The study contributes novelty by integrating the Resource-Based Theory with entrepreneurial finance to explain SMEs’ sustainability, and it provides practical implications by highlighting how family businesses can enhance competitiveness through innovation and sound financial strategies.