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All Journal Jurnal Minds: Manajemen Ide dan Inspirasi Jurnal Ilmiah Ekonomi Islam AKSELERASI: Jurnal Ilmiah Nasional Dynamic Management Journal Jurnal Comparative : Ekonomi Dan Bisnis Journal of Artificial Intelligence and Digital Business International Journal of Islamic Thought and Humanities Sanskara Ekonomi dan Kewirausahaan Jurnal Multidisiplin West Science The Es Economics and Entrepreneurship The Es Accounting and Finance Jurnal Akuntansi dan Keuangan West Science West Science Interdisciplinary Studies Jurnal Informatika Ekonomi Bisnis West Science Accounting and Finance West Science Interdisciplinary Studies West Science Social and Humanities Studies West Science Islamic Studies Mathematics Education Journal
Kaswoto, Junet
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Journal : Jurnal Multidisiplin West Science

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Analisis Dampak Adopsi Embedded Finance dan Disiplin Keuangan terhadap Arus Kas UMKM Perdagangan di Jawa Tengah Amalia, Mekar Meilisa; Kaswoto, Junet; Bunyamin, Ilham Akbar
Jurnal Multidisiplin West Science Vol 5 No 04 (2026): Jurnal Multidisiplin West Science
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/jmws.v5i04.3332

Abstract

Penelitian ini bertujuan untuk menganalisis dampak manajemen keuangan terintegrasi dan disiplin keuangan terhadap arus kas Usaha Mikro, Kecil, dan Menengah (UMKM) di sektor perdagangan di Jawa Tengah. Pendekatan penelitian kuantitatif digunakan dengan memanfaatkan data primer yang dikumpulkan dari 85 pelaku UMKM melalui kuesioner terstruktur yang diukur menggunakan skala Likert. Analisis data dilakukan menggunakan SPSS versi 25, meliputi statistik deskriptif, uji validitas dan reliabilitas, uji asumsi klasik, serta analisis regresi linier berganda. Hasil menunjukkan bahwa manajemen keuangan terintegrasi memiliki pengaruh positif dan signifikan terhadap arus kas, yang mengindikasikan bahwa perencanaan, pencatatan, dan pengendalian keuangan yang sistematis meningkatkan stabilitas keuangan. Disiplin keuangan juga memiliki pengaruh positif dan signifikan, yang menyoroti pentingnya perilaku keuangan yang konsisten dalam mengelola keuangan usaha. Secara bersamaan, kedua variabel tersebut secara signifikan mempengaruhi arus kas, dengan koefisien penentuan (R²) sebesar 0,487, artinya 48,7% variasi arus kas dijelaskan oleh kedua variabel independen tersebut. Temuan ini menyarankan bahwa integrasi sistem manajemen keuangan yang terstruktur dan perilaku keuangan yang disiplin sangat penting untuk meningkatkan keberlanjutan keuangan UMKM. Studi ini memberikan implikasi praktis bagi pelaku UMKM dan pembuat kebijakan untuk memperkuat kemampuan keuangan guna meningkatkan kinerja dan ketahanan bisnis.
Tax Incentives and MSME Growth: Empirical Evidence from Indonesian Small Businesses Judijanto, Loso; Junaidi, Ahmad; Hanifah, Azimah; Kaswoto, Junet; Respatiningsih, Inneke
Jurnal Multidisiplin West Science Vol 5 No 05 (2026): Jurnal Multidisiplin West Science
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/jmws.v5i05.3404

Abstract

This study investigates the impact of tax incentives and financial literacy on the growth of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. A quantitative approach was employed, surveying 175 MSME owners using a Likert scale questionnaire. The data was analyzed using SPSS version 25, with descriptive statistics, correlation analysis, and multiple regression analysis conducted to examine the relationships between the independent variables (tax incentives and financial literacy) and the dependent variable (MSME growth). The results show that both tax incentives and financial literacy positively affect MSME growth, with financial literacy having a slightly stronger influence. Tax incentives provide financial relief, enabling MSMEs to reinvest in their businesses, while financial literacy equips business owners with the knowledge needed to make informed decisions. The study highlights the importance of integrating tax incentive awareness and financial literacy programs to promote sustainable growth and competitiveness in MSMEs. Policy recommendations include simplifying tax procedures, increasing awareness of available incentives, and enhancing financial education programs for MSME owners.
Co-Authors Abdul Karim Abin Suarsa Ahmad Junaidi Ahmad Zaki Mubarok Akmal, Oktafiana Ali Nurdin Siregar Amalia, Mekar Meilisa Andreany, Selfy Apriliyana, Vertian Arum, Mega Arumingtyas, Fida ASFAR, ANDI HASRYNINGSIH Barus, Irwan Irawadi Bunyamin, Ilham Akbar Cikita Berlian Hakim Erdawati, Lena Febrina, Ilza Fitriana, Amalia Indah Hamdani Hamdani Hanifah, Azimah Haziqi, Muhammad Hassan Hendratri, Bhaswarendra Guntur Heny Fitriani Hidayat, Aulia Almas Agustin Irmanelly, Irmanelly Juana, Nadya Amalia Judijanto, Loso Kurniawan Kurniawan Mamdukh Budiman Marsiwi, Dwiati Munzir Munzir, Munzir Nazaruddin, Erizal Nekky Rahmiyati Octasylva, Annuridya Rosyidta Pratiwi Perdita, Liska Pradita, Arisha Putri Prasetyo, Fitria Madaniah Purnamasari, Eva Rahmiyanti, Sev Ramdani, Safier Rays, Muh. Respatiningsih, Inneke Rijadi, Puti Khairani Ronoatmojo, Muchdir Ahmad Ruci Arizanda Rahayu Saleha, Dwi Sasmita, Djenni Simamora, Mukti Sri Mulyono Sudarmanto, Eko Sugiman Sunaryo, Dede Sungkowati, Sri Tajudin, Muhammad Fadhil Ahadiat Toto Sugihyanto Waeno, Mahamadaree Wahyono, Zubaidi Warto - Widiniarsih, Dewi Mariam Yuni Shara Zakaria, Muhammad Firdaus Bin Zubaidi Wahyono