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Analysis of QRIS Payment System Financial Literacy and Financial Management Performance on the Development of MSMEs Hamdan, Hamdan; Adiyanto, Yoga; Sunaryo, Deni
Ilomata International Journal of Management Vol. 5 No. 2 (2024): April 2024
Publisher : Yayasan Ilomata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v5i2.1123

Research purposes This is for analyze use system QRIS payments, literacy finance, performance management. Types of research This is descriptive quantitative, data collection using instrument study with those who have determined based on development theory between variable. Population in research This as many as 85 perpetrators businesses in the district Pandeglang and all over perpetrator as many as 85 business actors were created sample data observation. The data analysis method uses interpretation SPSS statistics 25. Research results show that QRIS, Literacy finance, Performance Management finance No influential or not impact to development MSME income in the sub-district Pandeglang. Recommendation for research Next, you can adding variables like variable satisfaction, attitude in use, motivation usage, and others so that expected results study the later can become donation thoughts and materials consideration so that you can increase use of QRIS. Implications Of these variables, financial literacy has the greatest influence on interest in using QRIS. Therefore, the government needs pay attention to and strengthen policies, especially in the field of financial literacy, as the main factor in increasing the interest of MSMEs and the public in using QRIS as a means of payment transactions.

The Effect of Loan To Deposit Ratio, Net Profit Margin, And Return On Equity, On Stock Returns And Exchange Rates As Moderating Variables In The Banking Sub-Sector On The Southeast Asian Stock Exchange Sunaryo, Deni; Adiyanto, Yoga; Sa’diyah, Halimatu
Jurnal Keuangan dan Perbankan (KEBAN) Vol. 1 No. 2 (2022): Januari-Juni
Publisher : Universitas Serang Raya

This study aims to determine the effect of Loan to Deposit Ratio, Net Profit Margin and Return on Equty on stock returns with Exchange Rate as a moderating variable. This research uses the object of the banking sub-sector companies in Southeast Asia for the period 2012-2019. The data collected is secondary data with the documentation method in the form of the company's annual report. The analytical tool used to test the hypothesis is IBM SPPS V21. The sampling method used in this study used the Purposive Sampling Technique and obtained 10 companies with a sample of 80 sample data. The analytical techniques used are descriptive statistical analysis, classical assumption test, moderated regression analysis (MRA), multiple linear regression, partial test (t test), and simultaneous test (f test). The results of this study partially conclude that Loan To Deposit Ratio (LDR) has no significant effect on Stock Return, Net Profit Margin (NPM) has no significant effect on Stock Return, and Return On Equity (ROE) has no significant effect on Stock Return. The results of the study simultaneously showed that the Fcount value was 2.891 and Ftable 2.85, meaning that Fcount > Ftable or a significance value of 0.048 <0.05. Thus, Loan To Deposit Ratio (LDR), Net Profit Margin (NPM), and Return On Equity (ROE) simultaneously have a significant effect on Stock Return. The results of the Moderated Regression analysis (MRA) research show that the exchange rate does not moderate the Loan To Deposit Ratio (LDR) on stock returns, and the exchange rate does not moderate the net profit margin (NPM) on stock returns, the exchange rate does not moderate the return on equity (ROE). to Stock Return.

Financial Management Strategies for Improving The Performance of Small and Medium Enterprises: A Case Study of Traditional Indonesian Food Outlets Darmawan, Dhany Isnaeni; Adiyanto, Yoga; Sunaryo, Deni; Firdaus, Ahmad
Ilomata International Journal of Management Vol. 6 No. 1 (2025): January 2025
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v6i1.1444

This study seeks to examine the impact of financial management on enhancing the performance of Micro, Small, and Medium Enterprises (MSMEs), particularly in traditional Indonesian food outlets. Data were gathered through direct observation of these MSMEs using primary sources. The research adopts an action research approach with a case study method. Data collection techniques included interviews, observations, and documentation. The analysis used Multiple Linear Regression, Classical Assumption Testing, and Hypothesis Testing with SPSS software. The findings reveal that financial planning, financial record-keeping, and the separation of personal and business finances have a significant and positive effect on the performance of MSMEs. The R-Square (R²) value of 0.825 indicates that these independent variables can explain 82.5% of MSME performance variation, while the remaining 17.5% is attributed to other factors not explored in this study. The practical implications of this research suggest that traditional Indonesian food MSMEs should emphasize structured financial planning, accurate financial record-keeping, and precise separation of personal and business finances. These practices will enable MSMEs to assess their performance better and make informed business decisions. The study recommends that MSMEs adopt sound financial planning practices, maintain precise financial records, and consistently separate personal from business finances. By doing so, MSMEs can improve their financial management, enhancing business performance and sustainability.

Financial Management Strategies for Improving The Performance of Small and Medium Enterprises: A Case Study of Traditional Indonesian Food Outlets Darmawan, Dhany Isnaeni; Adiyanto, Yoga; Sunaryo, Deni; Firdaus, Ahmad
Ilomata International Journal of Management Vol. 6 No. 1 (2025): January 2025
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v6i1.1444

This study seeks to examine the impact of financial management on enhancing the performance of Micro, Small, and Medium Enterprises (MSMEs), particularly in traditional Indonesian food outlets. Data were gathered through direct observation of these MSMEs using primary sources. The research adopts an action research approach with a case study method. Data collection techniques included interviews, observations, and documentation. The analysis used Multiple Linear Regression, Classical Assumption Testing, and Hypothesis Testing with SPSS software. The findings reveal that financial planning, financial record-keeping, and the separation of personal and business finances have a significant and positive effect on the performance of MSMEs. The R-Square (R²) value of 0.825 indicates that these independent variables can explain 82.5% of MSME performance variation, while the remaining 17.5% is attributed to other factors not explored in this study. The practical implications of this research suggest that traditional Indonesian food MSMEs should emphasize structured financial planning, accurate financial record-keeping, and precise separation of personal and business finances. These practices will enable MSMEs to assess their performance better and make informed business decisions. The study recommends that MSMEs adopt sound financial planning practices, maintain precise financial records, and consistently separate personal from business finances. By doing so, MSMEs can improve their financial management, enhancing business performance and sustainability.

The Effect of Loan To Deposit Ratio, Net Profit Margin, And Return On Equity, On Stock Returns And Exchange Rates As Moderating Variables In The Banking Sub-Sector On The Southeast Asian Stock Exchange Sunaryo, Deni; Adiyanto, Yoga; Saâ€™diyah, Halimatu
Jurnal Keuangan dan Perbankan (KEBAN) Vol. 1 No. 2 (2022): Januari-Juni
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/jkk.v1i2.4002

This study aims to determine the effect of Loan to Deposit Ratio, Net Profit Margin and Return on Equty on stock returns with Exchange Rate as a moderating variable. This research uses the object of the banking sub-sector companies in Southeast Asia for the period 2012-2019. The data collected is secondary data with the documentation method in the form of the company's annual report. The analytical tool used to test the hypothesis is IBM SPPS V21. The sampling method used in this study used the Purposive Sampling Technique and obtained 10 companies with a sample of 80 sample data. The analytical techniques used are descriptive statistical analysis, classical assumption test, moderated regression analysis (MRA), multiple linear regression, partial test (t test), and simultaneous test (f test). The results of this study partially conclude that Loan To Deposit Ratio (LDR) has no significant effect on Stock Return, Net Profit Margin (NPM) has no significant effect on Stock Return, and Return On Equity (ROE) has no significant effect on Stock Return. The results of the study simultaneously showed that the Fcount value was 2.891 and Ftable 2.85, meaning that Fcount > Ftable or a significance value of 0.048 <0.05. Thus, Loan To Deposit Ratio (LDR), Net Profit Margin (NPM), and Return On Equity (ROE) simultaneously have a significant effect on Stock Return. The results of the Moderated Regression analysis (MRA) research show that the exchange rate does not moderate the Loan To Deposit Ratio (LDR) on stock returns, and the exchange rate does not moderate the net profit margin (NPM) on stock returns, the exchange rate does not moderate the return on equity (ROE). to Stock Return.

THE INFLUENCE OF INSTITUTIONAL OWNERSHIP, LIQUIDITY, AND COMPANY SIZE ON FINANCIAL DISTRESS: Empirical Study on Property & Real Estate Sub Sector Companies Listed on the Indonesia Stock Exchange 2015 - 2018 Adiyanto, Yoga
INTERNATIONAL JOURNAL OF ECONOMICS, MANAGEMENT, BUSINESS, AND SOCIAL SCIENCE (IJEMBIS) Vol. 1 No. 1 (2021): January 2021
Publisher : CV ODIS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59889/ijembis.v1i1.9

This study aims to determine the effect of institutional ownership, liquidity, and company size on financial distress in property & real estate sub sector companies listed on the Indonesia Stock Exchange in the period 2015 - 2018. This research was conducted using quantitative methods. The research population was 48 companies and a sample of 32 companies was taken using purposive sampling. This research was conducted from June to September 2019. Data was obtained from the Indonesia Stock Exchange website and the website of each company which was the object of research and analyzed with SPSS version 25. Based on the results of the study it was concluded that: 1) there was no significant influence between institutional ownership and financial distress, 2) there is a significant influence between liquidity and financial distress, and 3) there is no significant effect between company size and financial distress.

The Effect of Store Atmosphere (Store Mobile) and Location on Consumer Buying Interest In Building Store Sumber Intan In – Pulo Ampel District Adiyanto, Yoga
INTERNATIONAL JOURNAL OF ECONOMICS, MANAGEMENT, BUSINESS, AND SOCIAL SCIENCE (IJEMBIS) Vol. 1 No. 2 (2021): May 2021
Publisher : CV ODIS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59889/ijembis.v1i2.33

This study aims to determine the effect of Store Atmosphere (Store Atmosphere), Location on Consumer Buying Interest at the Sumber Intan Building Store in Pulo Ampel District. The research was conducted using a survey method, the sample used was 100 respondents using accidental sampling. The study was conducted at the Sumber Intan Store from April 23 to July 17, 2019. Data were collected using a questionnaire and analyzed using SPSS version 24. Based on the results of the study, it can be concluded that: 1) there is a significant effect between Store Atmosphere and Interests Consumer Buying, 2) there is a significant influence between Location and Consumer Buying Interest, and 3) there is a significant influence between Store Atmosphere (Store Atmosphere) and Location on Consumer Buying Interest.

Cultural Dimensions and Their Influence on Entrepreneurial Decision-Making: A Cross-Cultural Analysis Hamdan; Adiyanto, Yoga; Sunaryo, Deni; Auroh, Yusrotul; Hickmatullah, Iman
Ilomata International Journal of Management Vol. 6 No. 3 (2025): July 2025
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v6i3.1764

This study investigates the nuanced influence of cultural factors on entrepreneurial behavior in the global business landscape, specifically examining how cultural dimensions shape decision-making processes and overall business strategies. Utilizing a mixed-methods approach that combines in-depth interviews and quantitative surveys across diverse cultural contexts, the research uncovers how dimensions such as individualism-collectivism and tolerance for uncertainty directly impact entrepreneurial practices. Key findings demonstrate that cultural values significantly modulate entrepreneurial behavior in critical domains, revealing that individualistic cultures tend to foster more independent and risk-taking decision-making, while collectivistic cultures prioritize consensus and group harmony. Additionally, the study shows that cultural orientation towards long-term or short-term perspectives substantially shapes innovation approaches, with long-term-oriented cultures more likely to invest in sustainable innovation. Furthermore, the research indicates that cultural tolerance for uncertainty correlates directly with entrepreneurs' willingness to experiment and adapt in volatile market environments. These insights provide valuable implications for entrepreneurs and policymakers, emphasizing the importance of culturally sensitive business strategies. By understanding how cultural factors systematically influence entrepreneurial behavior, organizations can develop more nuanced and context-specific approaches to international business development. Ultimately, this research contributes to a deeper understanding of how cultural contexts fundamentally shape entrepreneurial opportunities and challenges in today's interconnected global economy.

Cultural Dimensions and Their Influence on Entrepreneurial Decision-Making: A Cross-Cultural Analysis Hamdan; Adiyanto, Yoga; Sunaryo, Deni; Auroh, Yusrotul; Hickmatullah, Iman
Ilomata International Journal of Management Vol. 6 No. 3 (2025): July 2025
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v6i3.1764

This study investigates the nuanced influence of cultural factors on entrepreneurial behavior in the global business landscape, specifically examining how cultural dimensions shape decision-making processes and overall business strategies. Utilizing a mixed-methods approach that combines in-depth interviews and quantitative surveys across diverse cultural contexts, the research uncovers how dimensions such as individualism-collectivism and tolerance for uncertainty directly impact entrepreneurial practices. Key findings demonstrate that cultural values significantly modulate entrepreneurial behavior in critical domains, revealing that individualistic cultures tend to foster more independent and risk-taking decision-making, while collectivistic cultures prioritize consensus and group harmony. Additionally, the study shows that cultural orientation towards long-term or short-term perspectives substantially shapes innovation approaches, with long-term-oriented cultures more likely to invest in sustainable innovation. Furthermore, the research indicates that cultural tolerance for uncertainty correlates directly with entrepreneurs' willingness to experiment and adapt in volatile market environments. These insights provide valuable implications for entrepreneurs and policymakers, emphasizing the importance of culturally sensitive business strategies. By understanding how cultural factors systematically influence entrepreneurial behavior, organizations can develop more nuanced and context-specific approaches to international business development. Ultimately, this research contributes to a deeper understanding of how cultural contexts fundamentally shape entrepreneurial opportunities and challenges in today's interconnected global economy.

Brand Awareness & Brand Image: Key Point Coffee's Success in Influencing Purchasing Decisions in Serang City Adiyanto, Yoga; Darmawan, Dhany Isnaeni; Sunaryo, Deni; Hickmatullah, Iman; Alam, Achmad Fazi
Smart Society Vol 5, No 1 (2025): June (2025)
Publisher : FOUNDAE (Foundation of Advanced Education)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58524/smartsociety.v5i1.664

The coffee industry in Indonesia, particularly in Serang City, has shown significant growth in recent years. This growth is driven by an increasing interest among the public in coffee as a lifestyle, as well as the emergence of various coffee brands, including Point Coffee, which has managed to maintain its position despite facing increasingly fierce competition. This study aims to analyze the influence of brand use and brand image on consumer purchasing decisions of Point Coffee in Serang City. This study uses a quantitative approach with a survey method, where primary data is collected through questionnaire distributed to consumers. Data analysis was carried out using Structural Partial - based Equation Modeling (SEM). Least Squares (PLS). The results of the study show that the brand use and brand image has a significant influence on purchasing decisions. Brand image was found to have more dominant influence than brand use in influencing purchasing decisions.These findings provide important insights for Point Coffee in development more effective marketing strategies, with a focus on strengthening brand image and increasing brand exposure in the market. This study also contribute to the development of literature on the influence of brand use and brand image in the coffee industry sector, especially in non-metropolitan areas.

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