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UNLOCKING INSIGHTS: ASSESSING THE IMPACT OF FINANCIAL INDICATORS THROUGH REGRESSION ANALYSIS Endang Ruchiyat; Fitriana; Ijang Faisal
Journal of Jabar Economic Society Networking Forum Vol. 1 No. 6 (2024): Jesocin - May
Publisher : Organisasi Kreatif Indonesia Emas

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This research aims to evaluate the influence of main financial indicators - net profit, debt to equity ratio (DER), revenue, and operational cash flow - on company financial performance as measured by Return on Assets (ROA) and Return on Equity (ROE). Using a multiple linear regression model, data from 50 companies listed on the Indonesia Stock Exchange (BEI) during the 2015-2020 period was analyzed to identify the relationship between these independent variables and financial performance. The research results show that net profit, revenue and operational cash flow have a significant positive influence on the company's financial performance, while DER has a significant negative influence. The Adjusted R² values for the ROA and ROE models are 0.642 and 0.613 respectively, indicating that this model is able to explain around 64.2% and 61.3% of the variation in the company's financial performance. The F-Statistic which is significant at the 1% level indicates that the independent variables together have a significant effect on financial performance. These findings emphasize the importance of effective management of net profit, revenue and operational cash flow in an effort to improve the company's financial performance. On the other hand, companies need to be careful in using debt to maintain financial stability. Based on these results, companies are advised to improve operational efficiency, marketing strategies and cash flow management, as well as control the use of debt to maximize financial performance. Further research is recommended to consider the influence of external factors and other variables not included in this model, in order to gain a more comprehensive understanding of the factors that influence a company's financial performance.

NAVIGATING EQUITY CROWDFUNDING: INFORMATIONAL VS. RELATIONAL INFLUENCE ON INVESTOR BEHAVIOR Zaenal Aripin; Ijang Faisal; Endang Ruchiyat
Journal of Jabar Economic Society Networking Forum Vol. 1 No. 6 (2024): Jesocin - May
Publisher : Organisasi Kreatif Indonesia Emas

Show Abstract | Download Original | Original Source | Check in Google Scholar

This research analyzes the interaction between informational and relational influences in investor behavior in choosing equity crowdfunding. This approach includes in-depth literature studies from various relevant sources such as scientific journals, books and research reports. Informational influence involves analyzing market data and financial information to evaluate a fund's performance and investment potential, while relational influence creates a subjective dimension in investment decision making, including trust, comfort, and loyalty. Research shows that a good relational relationship between investors and fund managers plays an important role in establishing investors' trust and comfort in choosing equity crowdfunding. Investors tend to trust fund managers they know and trust, even if market information shows signs to the contrary. Additionally, strong relationships also allow investors to gain easier access to relevant and useful information about the equity funds they are considering. However, the interaction between informational and relational influences is not always positive, as too strong a relationship can cloud an investor's objective assessment of a fund's performance or potential investment risk. Therefore, it is important for investors to strike the right balance between informational and relational influences in long-term investment decision making in equity crowdfunding. By paying attention to these aspects, investors can make more informed and sustainable investment decisions, which are in line with their long-term investment goals.

DIGITAL FINANCIAL LITERACY AND MSME PERFORMANCE IN THE PLATFORM ECONOMY: AN INTEGRATIVE CONCEPTUAL REVIEW Nia Riana; Ijang Faisal
Journal of Jabar Economic Society Networking Forum Vol. 1 No. 7 (2024): Jesocin - June
Publisher : Organisasi Kreatif Indonesia Emas

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Background: The rapid expansion of digital payments, mobile banking, fintech platforms, online marketplaces, and data-driven financial services has changed the financial environment in which micro, small, and medium enterprises (MSMEs) operate. Access to digital finance can lower transaction frictions and widen financial inclusion, but effective use depends on the ability of owner-managers to understand financial information, evaluate digital products, manage risk, and integrate digital financial tools into business decisions. Aims: This article develops an integrative conceptual framework explaining how digital financial literacy can influence MSME performance through financial decision quality, digital-finance access and use, financial behaviour, and organizational capability. Research Method: The study uses an integrative conceptual review of verified peer-reviewed and institutional literature on financial literacy, digital financial literacy, digital finance, financial inclusion, fintech adoption, and SME performance. It does not claim a systematic-review sample size or empirical estimates that were not independently collected. Results and Conclusion: The synthesis suggests that digital financial literacy is most valuable when it improves the quality of financial decisions and enables productive, safe, and strategic use of digital finance. Access alone is insufficient. Financial behaviour, digital-finance accessibility, trust, cybersecurity awareness, and institutional support shape whether digital financial tools translate into stronger cash-flow management, financing capacity, operational efficiency, and business sustainability. Contribution: The paper proposes a capability pathway that distinguishes knowledge from effective use and performance outcomes, while integrating financial literacy and digital-finance perspectives into a practical framework for MSMEs and ecosystem actors.

THE EFFECT OF MARKETING DUALITY ON PERFORMANCE: USING A RESPONSE SURFACE APPROACH TO OVERCOME EMPIRICAL BARRIERS Zaenal Aripin; Wawan Ichwanudin; Ijang Faisal
Journal of Jabar Economic Society Networking Forum Vol. 1 No. 3 (2024): Jesocin - February
Publisher : Organisasi Kreatif Indonesia Emas

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Marketing plays a crucial role in improving company performance. However, the relationship between marketing strategy and company performance is not always linear. The phenomenon known as the marketing duality effect shows the complexity in the interactions between marketing variables and company performance. To overcome the empirical obstacles associated with understanding duality effects, the response surface approach has been proposed as an effective analytical tool. This research aims to investigate the effects of marketing duality on firm performance and uses a response surface approach to overcome the related empirical obstacles. This study uses a qualitative descriptive analysis method to explore understanding of the effects of marketing duality and a quantitative response surface analysis method to model the relationship between marketing variables and company performance. The analysis shows that the duality effect of marketing has a significant impact on company performance, with interactions between marketing variables being complex and not always linear. By using a response surface approach, we can identify complex patterns in the relationships between marketing variables and company performance, and design more adaptive and responsive marketing strategies.

STRATEGIES FOR INDONESIAN SMES: EXPORT vs. PUBLIC PROCUREMENT IN THE POST-PANDEMIC ERA Fitriana; Ricky Agusiady; Ijang Faisal
Journal of Jabar Economic Society Networking Forum Vol. 1 No. 6 (2024): Jesocin - May
Publisher : Organisasi Kreatif Indonesia Emas

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The Indonesian government plays an important role in developing strategies to support SMEs in facing export and public procurement challenges in the post-pandemic era. This abstract discusses the main obstacles faced by Indonesian SMEs in accessing export markets and public procurement, as well as effective risk management strategies to increase their participation. First, challenges such as competition with large companies, complex bureaucracy, and limited access to information and business networks hinder SMEs from participating in the public procurement process. Second, risk management strategies such as forming consortia, increasing capacity through training, and active promotion can help SMEs overcome these obstacles. Third, the government needs to increase support through pro-SME policies, technical training, market promotion and infrastructure improvements to create a conducive business environment for SMEs. In this way, Indonesian SMEs will be able to increase their contribution to economic growth and national competitiveness.

CULTIVATING SUCCESS: ENTREPRENEURIAL MINDSET PROMOTION IN INDONESIAN ENTREPRENEURSHIP EDUCATION Endang Ruchiyat; Ricky Agusiady; Ijang Faisal
Journal of Jabar Economic Society Networking Forum Vol. 1 No. 6 (2024): Jesocin - May
Publisher : Organisasi Kreatif Indonesia Emas

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Entrepreneurship education in Indonesia is experiencing rapid development with the aim of fostering an entrepreneurial mindset among pupils and students. However, various significant challenges still hamper the effective implementation of entrepreneurship curricula in educational institutions. These challenges include limited financial resources and competent teaching staff, lack of synchronization between the curriculum and industry needs, the influence of local cultural values that do not support innovation and independence, and lack of access to technology and innovation. To overcome these challenges, a holistic approach is needed that involves various parties, including government, educational institutions, the industrial sector and communities. Strategic efforts to overcome resource limitations include adequate budget allocation and intensive training for teaching staff. Close collaboration with the industrial sector is also vital to ensure the curriculum is relevant and provides the practical experience required by students. Additionally, entrepreneurship programs should be designed to respect and utilize local cultural values while integrating modern entrepreneurial principles. Investments in technology infrastructure and technology training programs are also needed to increase access to innovation. Evaluation and measurement of the success of entrepreneurship programs must be carried out in a structured and ongoing manner to ensure the program is effective. By implementing these strategies, it is hoped that educational institutions in Indonesia can be more effective in cultivating an entrepreneurial mindset, so that pupils and students are ready to face challenges and take advantage of opportunities in the business world. Effective entrepreneurship education will contribute significantly to economic growth and increase the welfare of Indonesian society, as well as producing a generation of entrepreneurs who are innovative and competitive at the global level.

UNLOCKING INSIGHTS: ASSESSING THE IMPACT OF FINANCIAL INDICATORS THROUGH REGRESSION ANALYSIS Endang Ruchiyat; Fitriana; Ijang Faisal
Journal of Jabar Economic Society Networking Forum Vol. 1 No. 6 (2024): Jesocin - May
Publisher : Organisasi Kreatif Indonesia Emas

Show Abstract | Download Original | Original Source | Check in Google Scholar

This research aims to evaluate the influence of main financial indicators - net profit, debt to equity ratio (DER), revenue, and operational cash flow - on company financial performance as measured by Return on Assets (ROA) and Return on Equity (ROE). Using a multiple linear regression model, data from 50 companies listed on the Indonesia Stock Exchange (BEI) during the 2015-2020 period was analyzed to identify the relationship between these independent variables and financial performance. The research results show that net profit, revenue and operational cash flow have a significant positive influence on the company's financial performance, while DER has a significant negative influence. The Adjusted R² values for the ROA and ROE models are 0.642 and 0.613 respectively, indicating that this model is able to explain around 64.2% and 61.3% of the variation in the company's financial performance. The F-Statistic which is significant at the 1% level indicates that the independent variables together have a significant effect on financial performance. These findings emphasize the importance of effective management of net profit, revenue and operational cash flow in an effort to improve the company's financial performance. On the other hand, companies need to be careful in using debt to maintain financial stability. Based on these results, companies are advised to improve operational efficiency, marketing strategies and cash flow management, as well as control the use of debt to maximize financial performance. Further research is recommended to consider the influence of external factors and other variables not included in this model, in order to gain a more comprehensive understanding of the factors that influence a company's financial performance.

NAVIGATING EQUITY CROWDFUNDING: INFORMATIONAL VS. RELATIONAL INFLUENCE ON INVESTOR BEHAVIOR Zaenal Aripin; Ijang Faisal; Endang Ruchiyat
Journal of Jabar Economic Society Networking Forum Vol. 1 No. 6 (2024): Jesocin - May
Publisher : Organisasi Kreatif Indonesia Emas

Show Abstract | Download Original | Original Source | Check in Google Scholar

This research analyzes the interaction between informational and relational influences in investor behavior in choosing equity crowdfunding. This approach includes in-depth literature studies from various relevant sources such as scientific journals, books and research reports. Informational influence involves analyzing market data and financial information to evaluate a fund's performance and investment potential, while relational influence creates a subjective dimension in investment decision making, including trust, comfort, and loyalty. Research shows that a good relational relationship between investors and fund managers plays an important role in establishing investors' trust and comfort in choosing equity crowdfunding. Investors tend to trust fund managers they know and trust, even if market information shows signs to the contrary. Additionally, strong relationships also allow investors to gain easier access to relevant and useful information about the equity funds they are considering. However, the interaction between informational and relational influences is not always positive, as too strong a relationship can cloud an investor's objective assessment of a fund's performance or potential investment risk. Therefore, it is important for investors to strike the right balance between informational and relational influences in long-term investment decision making in equity crowdfunding. By paying attention to these aspects, investors can make more informed and sustainable investment decisions, which are in line with their long-term investment goals.

DIGITAL FINANCIAL LITERACY AND MSME PERFORMANCE IN THE PLATFORM ECONOMY: AN INTEGRATIVE CONCEPTUAL REVIEW Nia Riana; Ijang Faisal
Journal of Jabar Economic Society Networking Forum Vol. 1 No. 7 (2024): Jesocin - June
Publisher : Organisasi Kreatif Indonesia Emas

Show Abstract | Download Original | Original Source | Check in Google Scholar

Background: The rapid expansion of digital payments, mobile banking, fintech platforms, online marketplaces, and data-driven financial services has changed the financial environment in which micro, small, and medium enterprises (MSMEs) operate. Access to digital finance can lower transaction frictions and widen financial inclusion, but effective use depends on the ability of owner-managers to understand financial information, evaluate digital products, manage risk, and integrate digital financial tools into business decisions. Aims: This article develops an integrative conceptual framework explaining how digital financial literacy can influence MSME performance through financial decision quality, digital-finance access and use, financial behaviour, and organizational capability. Research Method: The study uses an integrative conceptual review of verified peer-reviewed and institutional literature on financial literacy, digital financial literacy, digital finance, financial inclusion, fintech adoption, and SME performance. It does not claim a systematic-review sample size or empirical estimates that were not independently collected. Results and Conclusion: The synthesis suggests that digital financial literacy is most valuable when it improves the quality of financial decisions and enables productive, safe, and strategic use of digital finance. Access alone is insufficient. Financial behaviour, digital-finance accessibility, trust, cybersecurity awareness, and institutional support shape whether digital financial tools translate into stronger cash-flow management, financing capacity, operational efficiency, and business sustainability. Contribution: The paper proposes a capability pathway that distinguishes knowledge from effective use and performance outcomes, while integrating financial literacy and digital-finance perspectives into a practical framework for MSMEs and ecosystem actors.

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