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All Journal Journal of Economics, Business, & Accountancy Ventura Jurnal Ekonomi Lembaga Layanan Pendidikan Tinggi Wilayah I International Journal of Economics, Business and Innovation Research
Adam, Mukhtar A.
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Do Adaptability and Innovation Speed Matter in Increasing Sales of MSMEs during the COVID-19 Pandemic? Sabuhari, Rahmat; Soleman, Marwan Man; Adam, Mukhtar A.; Abdul Haji, Sulfi
Journal of Economics, Business, and Accountancy Ventura Vol. 26 No. 1 (2023): April - July 2023
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v26i1.2994

Abstract

Micro, Small, and Medium-sized Enterprises (MSMEs) in Eastern Indonesia are threatened with bankruptcy during the COVID-19 pandemic. This situation occurred due to significantly decreased people’s purchasing power, and most production activities stopped. In light of this issue, this study aims to investigate how well MSMEs’ adaptability and innovation speed in Eastern Indonesia have increased their sales during the pandemic. We collected the data by distributing questionnaires on offline and online channels using Google Forms to MSMEs owners in Maluku and North Maluku Provinces. We eventually gathered 262 pieces of data and analyzed it through the PLS-SEM approach. The results showed that adaptability has a positive and significant effect on sales and the speed of innovation, while innovative speed has no impact on sales. In other words, the innovation speed can also not mediate adaptability to MSMEs sales. The results of this study are expected to benefit MSMEs owners in implementing appropriate business strategies, especially how MSMEs owners have the adaptability and innovation speed to manage their business in this condition of uncertainty. Additionally, this research is expected to provide an empirical contribution to the government of Indonesia in making considerations, policies, and decision-making related to the empowerment of MSMEs during the pandemic and beyond. 
Exploring Impulsive Budgeting Behavior in Local Governments: A Phenomenological Perspective Adam, Mukhtar A.; Nurdin, Nurdin; Zainuddin, Zainuddin
Jurnal Ekonomi Lembaga Layanan Pendidikan Tinggi Wilayah I Vol. 5 No. 1 (2025): Articles Research May 2025
Publisher : LLDIKTI Wilayah 1 Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54076/juket.v5i1.599

Abstract

The phenomenon of unproductive and impulsive government spending, as well as the misalignment between the needs of the government and those of the public, is the central concern of this study. It seeks to uncover impulsive behavior among budget management officials in regional governments. The researcher observes that budget managers tend to spend in accordance with the DPA-SKPD merely to meet budget absorption targets, without considering the output, outcome, or benefits of such expenditures. Meanwhile, from the perspective of the Regional General Treasurer (Bendahara Umum Daerah), payments are often made solely based on realization requests, without thorough planning for each financial transaction. These decisions are primarily influenced by pressure and situational factors rather than being based on well-considered planning in terms of budgeting, cash management, or the actual benefits of the resulting outputs. This study aims to analyze the situational factors influencing impulsive spending behavior by activity managers in relation to budget realization decisions. The research adopts a qualitative approach using a phenomenological study design. Key informants were selected through purposive sampling, consisting of five research subjects: the Head of SKPD (Regional Work Unit), activity planners, activity implementers, financial managers, and the Inspectorate. The findings reveal that all key informants engaged in spending based on the DPA-SKPD, influenced by external pressure, fund availability, and procedural compliance, without adequately considering the actual needs and benefits of the goods and services procured. A comprehensive approach involving participatory planning, control, supervision, and management of government goods and services is essential to ensure that every public expenditure effectively contributes to regional development. This study offers theoretical contributions to the development of behavioral theories in regional public financial management and provides practical implications for the formulation of performance-based budgeting that incorporates budgetary considerations, actual needs, and the utility of goods and services for both the government and the public.
The Effect of Intellectual Capital and Early Warning System on the Profitability of Insurance Companies Adam, Mukhtar A.; Fatah, Risalsa F.; Zainuddin, Zainuddin; Nurdin, Nurdin
Jurnal Ekonomi Lembaga Layanan Pendidikan Tinggi Wilayah I Vol. 5 No. 1 (2025): Articles Research May 2025
Publisher : LLDIKTI Wilayah 1 Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54076/juket.v5i1.600

Abstract

The insurance industry plays a crucial role in the economy by helping individuals and institutions manage financial risk. To maintain public trust, insurance companies must demonstrate strong financial performance, particularly in terms of profitability. This study aims to investigate the effect of Intellectual Capital, Firm Size, Early Warning System, Risk-Based Capital, and Investment Returns on the profitability of insurance companies in Indonesia. This quantitative study uses panel data from 25 insurance companies listed on the Indonesia Stock Exchange (I”X) and registered with the Financial Services Authority (OJK) during the 2019–2023 period. The data were analyzed using multiple linear regression with Eviews 13. The results indicate that Intellectual Capital, Firm Size, and Investment Returns have a significant positive effect on profitability. In contrast, Liquidity Ratio, Fund Adequacy Ratio, Claim Load Ratio, Premium Growth Ratio, Self-Retention Ratio, and Risk-Based Capital show no significant effect. These findings contribute to the understanding of financial drivers of profitability in the insurance sector and provide practical insights for improving investment strategy and risk management practices.
Financial Literacy and Digital Finance: Determinants of MSMEs Sustainability in Ternate City Adam, Mukhtar A.; Fala, Dwi Yana Amalia Sari; Nurdin, Nurdin; Zainuddin, Zainuddin
International Journal of Economics, Business and Innovation Research Vol. 4 No. 03 (2025): May, International Journal of Economics, Business and Innovation Research( IJE
Publisher : Cita konsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijebir.v4i04.2033

Abstract

This study aims to analyze the effect of financial literacy and digital finance on the sustainability of MSMEs in Ternate City. Data in this study are the owners/managers of SMEs in Ternate City. Collecting data using a questionnaire to 115 respondents. Data analysis using multiple regression analysis. The Financial literacy variable was measured using education (a combination of formal and non-formal education levels). This study shows that financial literacy has no significant effect on the sustainability of MSMEs, while digital finance offers substantial results. In addition, this study also finds that variations in training have an impact on increasing financial literacy on the sustainability of MSMEs. Theoretically, this research contributes to the latest view on the measurement of financial literacy. In addition, these findings support research related to financial literacy, digital finance, and the sustainability of MSMEs. Finally, from a practical point of view, this study provides a policy direction for the government in policymaking, especially in improving human resources with technical support to ensure the quality and sustainability of MSMEs.
Do Adaptability and Innovation Speed Matter in Increasing Sales of MSMEs during the COVID-19 Pandemic? Sabuhari, Rahmat; Soleman, Marwan Man; Adam, Mukhtar A.; Abdul Haji, Sulfi
Journal of Economics, Business, and Accountancy Ventura Vol. 26 No. 1 (2023): April - July 2023
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v26i1.2994

Abstract

Micro, Small, and Medium-sized Enterprises (MSMEs) in Eastern Indonesia are threatened with bankruptcy during the COVID-19 pandemic. This situation occurred due to significantly decreased people’s purchasing power, and most production activities stopped. In light of this issue, this study aims to investigate how well MSMEs’ adaptability and innovation speed in Eastern Indonesia have increased their sales during the pandemic. We collected the data by distributing questionnaires on offline and online channels using Google Forms to MSMEs owners in Maluku and North Maluku Provinces. We eventually gathered 262 pieces of data and analyzed it through the PLS-SEM approach. The results showed that adaptability has a positive and significant effect on sales and the speed of innovation, while innovative speed has no impact on sales. In other words, the innovation speed can also not mediate adaptability to MSMEs sales. The results of this study are expected to benefit MSMEs owners in implementing appropriate business strategies, especially how MSMEs owners have the adaptability and innovation speed to manage their business in this condition of uncertainty. Additionally, this research is expected to provide an empirical contribution to the government of Indonesia in making considerations, policies, and decision-making related to the empowerment of MSMEs during the pandemic and beyond. 
Co-Authors Abdul Haji, Sulfi Fala, Dwi Yana Amalia Sari Fatah, Risalsa F. Nurdin Nurdin Sabuhari, Rahmat Soleman, Marwan Man Zainuddin, Zainuddin