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FINANCIAL DECISION CAPABILITY AND SUSTAINABLE MSME GROWTH: AN INTEGRATIVE FRAMEWORK FOR LIQUIDITY, RISK, AND LEARNING Ijang Faisal; Sri Rochani Mulyani
Journal of Jabar Economic Society Networking Forum Vol. 2 No. 2 (2025): Jesocin - February
Publisher : Organisasi Kreatif Indonesia Emas

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This conceptual paper develops an integrative framework for financial decision capability and sustainable MSME growth in micro, small, and medium enterprises (MSMEs). It synthesizes established literature on the resource-based view, dynamic capabilities, organizational learning, absorptive capacity, social capital, resilience, and entrepreneurial ecosystems. The analysis explains how cash-flow visibility, financing discipline, risk assessment, investment prioritization, and learning-based financial control can be organized into proportionate managerial routines. No primary survey, interview, experimental, or statistical data are claimed. The framework proposes diagnosis, capability mapping, bounded experimentation, evidence review, governance, resource reconfiguration, and learning retention as a cumulative cycle. Implications are developed for owner-managers, support institutions, and future empirical research.

FINANCIAL CAPABILITY AND RESILIENCE IN COMMUNITY ENTERPRISES: INTEGRATING LITERACY, BEHAVIORAL ROUTINES, AND INCLUSIVE FINANCIAL ECOSYSTEMS Ijang Faisal; Faisal Matriadi
Journal of Jabar Economic Society Networking Forum Vol. 2 No. 7 (2025): Jesocin : July
Publisher : Organisasi Kreatif Indonesia Emas

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

This conceptual and integrative review develops a framework for financial capability and resilience in micro, small, and medium enterprises. It addresses the problem that access to financial products does not automatically improve enterprise resilience when owners lack decision routines for cash flow, risk, borrowing, saving, and investment. Drawing on the resource-based view, dynamic capabilities, organizational learning, absorptive capacity, social capital, and resilience, the paper explains how contextual financial literacy, cash-flow routines, responsible product design, trusted community intermediation, feedback-based learning can be organized as mutually reinforcing routines. The proposed pathway moves from problem diagnosis and capability mapping to bounded experimentation, evidence review, resource reconfiguration, and learning retention. No primary survey, interview, experimental, administrative, or statistical data are claimed. The framework links these mechanisms to informed decisions, liquidity resilience, responsible borrowing, formal participation, community empowerment and identifies managerial, institutional, and research implications suitable for resource-constrained enterprises.

HUMAN-AI COLLABORATION FOR RESPONSIBLE SERVICE INNOVATION: A GOVERNANCE FRAMEWORK FOR MSME LEARNING, OVERSIGHT, AND CUSTOMER VALUE Endang Ruchiyat; Ijang Faisal
Journal of Jabar Economic Society Networking Forum Vol. 2 No. 7 (2025): Jesocin : July
Publisher : Organisasi Kreatif Indonesia Emas

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This conceptual and integrative review develops a framework for human-AI collaboration in micro, small, and medium enterprises. It addresses the problem that AI tools can widen MSME analytical and service capacity, yet uncritical adoption may introduce opaque errors, privacy exposure, skill erosion, and customer distrust. Drawing on the resource-based view, dynamic capabilities, organizational learning, absorptive capacity, social capital, and resilience, the paper explains how task-appropriate augmentation, human review, data minimization, explainability, continuous capability development can be organized as mutually reinforcing routines. The proposed pathway moves from problem diagnosis and capability mapping to bounded experimentation, evidence review, resource reconfiguration, and learning retention. No primary survey, interview, experimental, administrative, or statistical data are claimed. The framework links these mechanisms to service quality, responsible innovation, employee learning, customer value, controlled scalability and identifies managerial, institutional, and research implications suitable for resource-constrained enterprises.

COMMUNITY-BASED FINANCIAL INNOVATION AND MSME RESILIENCE: LINKING TRUSTED INTERMEDIATION, PRODUCT FIT, AND RESPONSIBLE SCALING Ijang Faisal; Faisal Matriadi
Journal of Jabar Economic Society Networking Forum Vol. 2 No. 9 (2025): Jesocin : September 2025
Publisher : Organisasi Kreatif Indonesia Emas

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This conceptual and integrative review develops a framework for community-based financial innovation in micro, small, and medium enterprises. It addresses the problem that financial innovation may expand formal access while failing to improve resilience when product design, repayment structures, digital interfaces, and support mechanisms do not fit community enterprise conditions. Drawing on the resource-based view, dynamic capabilities, organizational learning, absorptive capacity, social capital, and resilience, the paper explains how trusted local intermediation, needs-based product design, responsible digital access, repayment-fit assessment, community feedback learning can be organized as mutually reinforcing routines. The proposed pathway moves from problem diagnosis and capability mapping to bounded experimentation, evidence review, resource reconfiguration, and learning retention. No primary survey, interview, experimental, administrative, or statistical data are claimed. The framework links these mechanisms to appropriate access, responsible use, liquidity stability, community trust, enterprise resilience and identifies managerial, institutional, and research implications suitable for resource-constrained enterprises.

FINANCIAL RESILIENCE AND WORKING-CAPITAL DISCIPLINE IN SMALL ENTERPRISES: AN INTEGRATIVE CONCEPTUAL FRAMEWORK Ijang Faisal; Fitriana
Journal of Jabar Economic Society Networking Forum Vol. 2 No. 1 (2025): Jesocin : January
Publisher : Organisasi Kreatif Indonesia Emas

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This conceptual paper develops an integrative framework for financial resilience and working-capital discipline in micro, small, and medium enterprises (MSMEs). It synthesizes established literature on the resource-based view, dynamic capabilities, organizational learning, absorptive capacity, social capital, resilience, and entrepreneurial ecosystems. The analysis explains how cash-flow visibility, receivable discipline, inventory control, scenario planning, and proportionate risk governance can be organized into proportionate managerial routines. No primary survey, interview, experimental, or statistical data are claimed. The framework proposes diagnosis, capability mapping, bounded experimentation, evidence review, governance, resource reconfiguration, and learning retention as a cumulative cycle. Implications are developed for owner-managers, support institutions, and future empirical research.

FINANCIAL DECISION CAPABILITY AND SUSTAINABLE MSME GROWTH: AN INTEGRATIVE FRAMEWORK FOR LIQUIDITY, RISK, AND LEARNING Ijang Faisal; Sri Rochani Mulyani
Journal of Jabar Economic Society Networking Forum Vol. 2 No. 2 (2025): Jesocin - February
Publisher : Organisasi Kreatif Indonesia Emas

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

This conceptual paper develops an integrative framework for financial decision capability and sustainable MSME growth in micro, small, and medium enterprises (MSMEs). It synthesizes established literature on the resource-based view, dynamic capabilities, organizational learning, absorptive capacity, social capital, resilience, and entrepreneurial ecosystems. The analysis explains how cash-flow visibility, financing discipline, risk assessment, investment prioritization, and learning-based financial control can be organized into proportionate managerial routines. No primary survey, interview, experimental, or statistical data are claimed. The framework proposes diagnosis, capability mapping, bounded experimentation, evidence review, governance, resource reconfiguration, and learning retention as a cumulative cycle. Implications are developed for owner-managers, support institutions, and future empirical research.

FINANCIAL CAPABILITY AND RESILIENCE IN COMMUNITY ENTERPRISES: INTEGRATING LITERACY, BEHAVIORAL ROUTINES, AND INCLUSIVE FINANCIAL ECOSYSTEMS Ijang Faisal; Faisal Matriadi
Journal of Jabar Economic Society Networking Forum Vol. 2 No. 7 (2025): Jesocin : July
Publisher : Organisasi Kreatif Indonesia Emas

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

This conceptual and integrative review develops a framework for financial capability and resilience in micro, small, and medium enterprises. It addresses the problem that access to financial products does not automatically improve enterprise resilience when owners lack decision routines for cash flow, risk, borrowing, saving, and investment. Drawing on the resource-based view, dynamic capabilities, organizational learning, absorptive capacity, social capital, and resilience, the paper explains how contextual financial literacy, cash-flow routines, responsible product design, trusted community intermediation, feedback-based learning can be organized as mutually reinforcing routines. The proposed pathway moves from problem diagnosis and capability mapping to bounded experimentation, evidence review, resource reconfiguration, and learning retention. No primary survey, interview, experimental, administrative, or statistical data are claimed. The framework links these mechanisms to informed decisions, liquidity resilience, responsible borrowing, formal participation, community empowerment and identifies managerial, institutional, and research implications suitable for resource-constrained enterprises.

HUMAN-AI COLLABORATION FOR RESPONSIBLE SERVICE INNOVATION: A GOVERNANCE FRAMEWORK FOR MSME LEARNING, OVERSIGHT, AND CUSTOMER VALUE Endang Ruchiyat; Ijang Faisal
Journal of Jabar Economic Society Networking Forum Vol. 2 No. 7 (2025): Jesocin : July
Publisher : Organisasi Kreatif Indonesia Emas

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

This conceptual and integrative review develops a framework for human-AI collaboration in micro, small, and medium enterprises. It addresses the problem that AI tools can widen MSME analytical and service capacity, yet uncritical adoption may introduce opaque errors, privacy exposure, skill erosion, and customer distrust. Drawing on the resource-based view, dynamic capabilities, organizational learning, absorptive capacity, social capital, and resilience, the paper explains how task-appropriate augmentation, human review, data minimization, explainability, continuous capability development can be organized as mutually reinforcing routines. The proposed pathway moves from problem diagnosis and capability mapping to bounded experimentation, evidence review, resource reconfiguration, and learning retention. No primary survey, interview, experimental, administrative, or statistical data are claimed. The framework links these mechanisms to service quality, responsible innovation, employee learning, customer value, controlled scalability and identifies managerial, institutional, and research implications suitable for resource-constrained enterprises.

COMMUNITY-BASED FINANCIAL INNOVATION AND MSME RESILIENCE: LINKING TRUSTED INTERMEDIATION, PRODUCT FIT, AND RESPONSIBLE SCALING Ijang Faisal; Faisal Matriadi
Journal of Jabar Economic Society Networking Forum Vol. 2 No. 9 (2025): Jesocin : September 2025
Publisher : Organisasi Kreatif Indonesia Emas

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

This conceptual and integrative review develops a framework for community-based financial innovation in micro, small, and medium enterprises. It addresses the problem that financial innovation may expand formal access while failing to improve resilience when product design, repayment structures, digital interfaces, and support mechanisms do not fit community enterprise conditions. Drawing on the resource-based view, dynamic capabilities, organizational learning, absorptive capacity, social capital, and resilience, the paper explains how trusted local intermediation, needs-based product design, responsible digital access, repayment-fit assessment, community feedback learning can be organized as mutually reinforcing routines. The proposed pathway moves from problem diagnosis and capability mapping to bounded experimentation, evidence review, resource reconfiguration, and learning retention. No primary survey, interview, experimental, administrative, or statistical data are claimed. The framework links these mechanisms to appropriate access, responsible use, liquidity stability, community trust, enterprise resilience and identifies managerial, institutional, and research implications suitable for resource-constrained enterprises.

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