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Harnessing Community Potential: Financial Inclusion Strategies for SME Empowerment Putra, Aditya Halim Perdana Kusuma
Golden Ratio of Community Services and Dedication Vol. 4 No. 1 (2024): November - April
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grcsd.v4i1.596

Abstract

This research investigates community-driven financial inclusion strategies for small and medium-sized enterprises (SMEs) with a focus on understanding the dynamics, challenges, and opportunities associated with such initiatives. The qualitative research methodology is adopted, employing a systematic literature review approach. Various databases including Google Scholar, JSTOR, PubMed, and Scopus were utilized to access peer-reviewed literature spanning diverse disciplines. Inclusion criteria were predefined to ensure the relevance, scope, and quality of the selected studies. Data collection involved systematically gathering relevant information from literature sources, followed by qualitative data analysis techniques such as coding, categorizing, and thematically organizing the data. The synthesized findings underscore the importance of community-based approaches in promoting SME access to finance, building entrepreneurial capacity, and fostering inclusive growth. However, challenges such as the lack of comprehensive frameworks and consensus on effective scaling-up approaches persist. The study emphasizes the need for further research to elucidate the mechanisms through which community potential can be harnessed to empower SMEs and foster inclusive growth. Moreover, it highlights the transformative role of technology in enhancing SME financial inclusion, while also emphasizing the importance of regulatory frameworks and policy reforms in shaping the landscape of SME finance ecosystems. This research contributes to a deeper understanding of community-driven financial inclusion for SMEs and provides valuable insights for policymakers, practitioners, and researchers.
The Synergy of Financial Innovation, Corporate Social Responsibility, and HRM Morale: A Systematic Review on Their Impact on Firm Image and Business Interest Yusuf, Marwah; Putra, Aditya Halim Perdana Kusuma
Jurnal Manajemen Bisnis Vol. 11 No. 2 (2024): September
Publisher : Pusat Penerbitan dan Publikasi Ilmiah, FEB, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33096/jmb.v11i2.933

Abstract

This study aims to explore the synergy between financial innovation, Corporate Social Responsibility (CSR), and Human Resource Management (HRM) morale, focusing on their collective impact on firm image and business interest. Utilizing a qualitative approach through a systematic literature review, this research synthesizes findings from recent empirical studies to provide a comprehensive understanding of how these elements interact to create a sustainable competitive advantage. The systematic review follows the PRISMA guidelines to ensure rigor and transparency in identifying, selecting, and analyzing relevant literature. The results of the study indicate that financial innovation, particularly through fintech and blockchain technologies, enhances operational efficiency and aligns with broader societal goals through sustainable finance practices. CSR is shown to significantly improve firm image by fostering trust and loyalty among stakeholders, while HRM morale is identified as a critical factor in enhancing organizational resilience, especially during crises such as the COVID-19 pandemic. The most significant finding is the synergistic relationship between financial innovation, CSR, and HRM morale, which collectively contribute to a sustainable competitive advantage that enhances firm performance and stakeholder engagement. The study concludes that integrating these elements into a cohesive strategy is essential for firms seeking long-term success in the modern business environment. The implications are significant for both theory and practice, offering a novel framework for future research and practical guidance for managers.
The Effect of Leadership Style, Compensation and Competence on Optimizing Organizational Performance Natsir, Rahmadhany; Ramli, Mansyur; Putra, Aditya Halim Perdana Kusuma
Golden Ratio of Human Resource Management Vol. 4 No. 2 (2024): March - July
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grhrm.v4i2.510

Abstract

The purpose of this study is to determine the influence of leadership style, compensation, and competence on the optimization of organizational performance at the Brackishwater Aquaculture Fisheries Research Institute and Fisheries Extension (BRPBAPPP) Maros. The research design is quantitative, with data analysis techniques including classical assumption tests and multiple linear regression. The results of this study demonstrate that the leadership style implemented at BRPBAPPP Maros has a significant impact on organizational performance. Effective, transparent, and communicative leadership can enhance employee motivation and productivity, ultimately leading to a positive impact on the overall performance of the organization. Additionally, a fair and competitive compensation system significantly influences organizational performance, as does employee competence. Collectively, leadership style, compensation, and competence jointly contribute significantly to the optimization of organizational performance at BRPBAPPP Maros. Enhancing leadership style, improving compensation, and developing employee competence can increase the operational effectiveness and efficiency of the organization.
Effect of Internal Control System and Reward System on Managerial Performance with Locus of Control as Moderating Variable in Banking Aditya Halim Perdana Kusuma Putra; E. Elpisah
Golden Ratio of Data in Summary Vol. 3 No. 1 (2023): November - April
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v3i1.218

Abstract

This study aims to: (1) assess the effect of the internal control system on managerial performance, (2) To assess the effect of the reward system on managerial performance (3) assess the effect of the internal control system on managerial performance with the locus of control as a moderating variable; (4) To assess the effect of the reward system on managerial performance with the locus of control as a moderating variable. This study uses primary data through a survey of 36 managers divided into three groups in each pre-determined sub-branch office at Mandiri Bank, Indonesian People's Bank, State Savings Bank, and CIMB Niaga Makassar City. Data were analyzed using the statistical product and service solution (SPSS) program. The results of this study indicate that: (1) the internal control system has a negative and significant effect on managerial performance, (2) the reward system has a positive and significant effect on managerial performance, and (3) the internal control system has a positive and significant effect on managerial performance with a locus of control. as a moderating variable, (4) Reward system has a negative and significant effect on managerial performance with the locus of control as a moderating variable.
Analysis of Comparative Advantages and Shifts in Economic Sectors in Wajo Regency Aditya Halim Perdana Kusuma Putra; E. Elpisah
Golden Ratio of Data in Summary Vol. 1 No. 2 (2021): May - October
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (558.485 KB) | DOI: 10.52970/grdis.v1i2.270

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The aims of this research are: (1) to analyze the growth classification of economic sectors in the Wajo Regency 2017-2021; (2) to analyze the basic sector of the economy in the Wajo Regency 2017-2021; (3) to analyze the share and shifts in the economy sector Wajo Regency 2017-2021. This study uses secondary data obtained from BPS-Statistics South Sulawesi Province, BPS-Statistics Wajo, and the Department of Planning and Regional Development Wajo. Data were analyzed using Klassen Typology, Location Quotient, and Shift-Share analysis. The results of this research show that: (1) Sector classified as a developed sectors in the Wajo Regency is The of Agriculture, Forestry and Fisheries, and sector mining and excavation. (2) sectors is a basic sector of Wajo Regency is the sector of Agriculture, Forestry and Fisheries, sector mining and excavation, sector Procurement Electricity and Gas, the sector of Wholesale and Retail, Car Repair, and Motorcycles, (3) The structure of the Wajo Regency 2017-2021 start forward to slide in the economic sector from primer sector to secondary sector (4). The sectors that have competitive advantages (D) in Wajo are sectors of Agriculture, Forestry and Fisheries, sector Procurement Electricity and Gas, construction sector, sectors Transportation and Warehousing, sector Provision of Accommodation and Food Drink, the Financial Services sector and the insurance sector, Real Estate sector, Service sector Corporate sector Public Administration, Defense, and Social Security Mandatory, and sector service of education.
Analysis of Comparative Advantages and Shifts Share in Economic Sectors: Empirical Study in Wajo Regency, Indonesia Aditya Halim Perdana Kusuma Putra; R. Rahmi
Golden Ratio of Data in Summary Vol. 3 No. 1 (2023): November - April
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v3i1.309

Abstract

The aims of this research are: (1) to analyze the growth classification of economic sectors in the Wajo Regency 2011-2015; (2) to analyze the basic sector of the economy in the Wajo Regency 2011-2015; (3) to analyze the share and shifts in the economy sector Wajo Regency 2011-2015. This study uses secondary data obtained from BPS-Statistics South Sulawesi Province, BPS-Statistics Wajo, and the Department of Planning and Regional Development Wajo. Data were analyzed using Klassen Typology, Location Quotient, and Shift-Share analysis. The results of this research show that: (1) Sector classified as a developed sectors in the Wajo Regency is The of Agriculture, Forestry and Fisheries, and sector mining and excavation. (2) sectors is a basic sector of Wajo Regency is the sector of Agriculture, Forestry and Fisheries, sector mining and excavation, sector Procurement Electricity and Gas, the sector of Wholesale and Retail, Car Repair, and Motorcycles, (3) The structure of the Wajo Regency 2011-2015 start forward to slide in the economic sector from primer sector to secondary sector (4). The sectors that have competitive advantages (D) in Wajo are sectors of Agriculture, Forestry and Fisheries, sector Procurement Electricity and Gas, construction sector, sectors Transportation and Warehousing, sector Provision of Accommodation and Food Drink, the Financial Services sector and the insurance sector, Real Estate sector, Service sector Corporate sector Public Administration, Defense, and Social Security Mandatory, and sector service of education.
Utilitarianism Perspective on The Use of E-Stamps in Business Practices in Indonesia Abbas, Ilham; Putra, Aditya Halim Perdana Kusuma
Jurnal IUS Kajian Hukum dan Keadilan Vol. 12 No. 1: April 2024: Jurnal IUS Kajian Hukum dan Keadilan
Publisher : Magister of Law, Faculty of Law, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ius.v12i1.1513

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The implementation of e-stamps in Indonesia as a replacement for conventional stamps has the potential to increase efficiency and effectiveness in administrative and business processes, but also raises ethical challenges related to data security, technology accessibility, and fairness in its implementation, which need to be evaluated from a utilitarian perspective to ensure the greatest benefit to the wider community. The purpose of this study is to analyze the implementation of e-stamps in business practices in Indonesia from a utilitarian perspective, by evaluating the increased efficiency and benefits for business actors and comparing the overall impact on society with the conventional stamp system. This study uses a normative legal research method with a legislative and conceptual approach, analyzing primary, secondary, and tertiary legal materials through literature studies, and applying descriptive-analytical qualitative analysis to examine the utilitarian perspective in the use of e-stamps in business practices in Indonesia. The results of the study indicate that the use of e-stamps in business practices in Indonesia, viewed from a utilitarian perspective, provides greater benefits to society as a whole compared to the conventional stamp system. E-stamps increase efficiency, transparency, and legal certainty, as well as reduce administrative costs, which are beneficial to various parties including large business actors, SMEs, and the government. Despite challenges such as limited digital infrastructure in some areas, the benefits of e-stamps are considered significant in driving productivity, economic welfare, and creating a more conducive business environment. With the support of a clear legal framework, e-stamps have the potential to become an efficient and beneficial instrument for all levels of Indonesian society, driving economic inclusion and more sustainable growth..
Analysis of the Effect of Debt Level, Market Orientation, and Financial Literacy on Microenterprise Financial Performance: The Mediating Role of Consumer Behavior Siti Mariam; Aditya Halim Perdana Kusuma Putra; Abdul Haeba Ramli; Fika Aryani
Atestasi : Jurnal Ilmiah Akuntansi Vol. 6 No. 2 (2023): September
Publisher : Pusat Penerbitan dan Publikasi Ilmiah, FEB, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/atestasi.v6i2.706

Abstract

In the context of business and consumer behavior, this paper explores the impact of Debt Level, Market Orientation, and Financial Literacy on Consumer Behavior and Microenterprise Financial Performance. The purpose of this study is to examine the role of Debt Level, Market Orientation, and Financial Literacy in managing financial risk, shaping consumer behavior, and improving financial performance of small firms. The study utilizes a comprehensive analysis of key elements including Debt Level (Amount of Debt, Debt Interest Rate, Duration of Debt, and Debt to Asset Ratio), Market Orientation (Market Segmentation, Marketing Strategies, and Customer Satisfaction Level), and Financial Literacy (Knowledge of Interest and Interest Rates, Understanding of Investments, and Ability to Manage Budgets). The study examines the managerial and consumer implications of these factors. The findings suggest that wise debt management is crucial for maintaining positive consumer relationships and achieving good financial performance. Similarly, understanding the market, employing relevant marketing strategies, and focusing on customer satisfaction are important for shaping consumer behavior and improving financial performance. Additionally, improving financial literacy at both individual and organizational levels positively impacts consumer behavior and financial performance. This study highlights the importance of Debt Level, Market Orientation, and Financial Literacy in the business and consumer ecosystem. It emphasizes the need for awareness, education, and wise management for achieving positive consumer relations and financial success. The study provides valuable insights for firms to improve their financial performance while meeting consumer needs and encourages consumers to make wiser financial decisions.
Improving Financial Efficiency through Integrated Human Resource Management and the Mediating Role of Leadership and Organizational Culture in Organizational Performance Asmini; Aditya Halim Perdana Kusuma Putra Putra; Andi Adawiah
Atestasi : Jurnal Ilmiah Akuntansi Vol. 6 No. 2 (2023): September
Publisher : Pusat Penerbitan dan Publikasi Ilmiah, FEB, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/atestasi.v6i2.712

Abstract

This study investigates the integration of Human Resource Management (HRM) practices and their impact on organizational financial efficiency, mediated by leadership and organizational culture. Engaging employees from diverse industries, the research utilizes purposive sampling with a minimum target of 200 participants. Primary data is collected through validated five-point Likert scale questionnaires and proceed with SMARTPLS to answer the hypotheses. Findings indicate that effective financial management practices contribute to enhancing organizational performance and serve as a foundational growth factor. Strong correlations are identified between financial management, organizational performance, leadership, organizational culture, and productivity. Investments in HRM practices influence critical aspects such as leadership, organizational culture, organizational performance, and productivity, fostering a productive work environment. Effective leadership shapes a culture aligned with organizational values, boosting team performance and productivity. The implications of these findings are vital in strategic decision-making, including resource allocation, HRM strategies, and leadership development. An integrated management approach combining financial and HRM aspects is crucial for optimizing organizational performance. Effective leadership development is key to enhancing organizational culture, performance, and productivity. Keywords: HRM Practices, Financial Management Practices, Financial Efficiency, Leadership, Organizational Culture, Productivity, Organizational Performance.
Building Resilient Communities through SME Development: A Qualitative Examination of Management Practices Putra, Aditya Halim Perdana Kusuma; Ardyan, Elia; Laisila, Maya
Golden Ratio of Community Services and Dedication Vol. 5 No. 1 (2025): November - April
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grcsd.v5i1.584

Abstract

This qualitative study investigates the nexus between Small and Medium-sized Enterprises (SMEs) management practices and community resilience. The research aims to explore how effective leadership, strategic management, innovation, sustainable practices, and community engagement contribute to SME resilience and its implications for community well-being. Employing thematic analysis, the study systematically reviews literature on SME management practices and community resilience. Findings reveal that visionary leadership, adaptive management styles, strategic foresight, and risk assessment are pivotal for SME resilience. Innovation, digital transformation, research and development (R&D) investment, and adaptive capacity enhance SMEs' ability to navigate uncertainties and capitalize on opportunities. Moreover, integrating sustainability principles into SME operations mitigates risks, improves financial performance, and fosters community development. Collaboration, knowledge sharing, and community engagement initiatives strengthen SME resilience and contribute to socio-economic development. The study underscores the importance of integrating theoretical insights with practical implications to advance understanding of SME resilience and its role in building resilient communities.
Co-Authors - Lukman S A. Ahmad A. Nirwana Nur Abbas, Ilham Abdul Haeba Ramli Abubakar, Herminawaty Achriansyah Ahmad Gani Adhi Hilardi Ahmad Firman Ahmad Ridha Ajmal A Ajmal As'ad Amnah Hadi Andi Adawiah Andi Darmawangsa Andi Faisal Bahari Andi Pattarani Andika Pramukti Andika Prawira Buana Ardi Ardi Ardi Ardi Arif Murti Rozamuri Asmini Asmini Aylee Christine Alamsyah Sheyoputri Aylee Christine Alamsyah Sheyoputri Basri Modding Budi Guntoro Daduk Merdika Mansur Darmawangsa, Andi Dedi Juniansyah Dwi Rizky Puspa Elia Ardyan Elpisah Fahrudin Zain Olilingo Faradiva Dwi Azizah Febriyanti Jumat Fika Aryani Fitriani Mandung Fyrdha Faradyba Hamzah Fyrdha Faradyba Hamzah Gunawan Bata Ilyas Hernita Hidayat Marmin I Gede Arya Pering Arimbawa Ilyas, Gunawan Bata Ismail HA Juniansyah, Dedi Kalla, Rastina Kevin Rivera Laisila, Maya Lestari, Setyani Dwi Lina - Mariana, Lina - Lukman S M. Akil, M. Mangkona, Suriyanti Marwah Yusuf Misfah Muslimawati Muchlis Abbas Muhammad Akil Muhammad Firmansyah Mulang, Hastuti Munawir Nasir Munawir Nasir Natsir, Rahmadhany Noch, Muhammad Yamin Nur Syapria Awalia Nurani Nurani Nurhayati Azis Nurlina, Nurliina Nurpadila Nurul Chamidah Pradana, Andi Fadel Pradana Pramukti, Andika R. Rahmi Rahmi Rahmi Rahmi, R. Ramli, Mansyur Ratna Dewi Reza, Heru Kreshna Ricky Gunawan, Ricky Rivera, Kevin M. Rozamuri, Arif Murti Rumasukun, Mohammad Ridwan Sabri Hasan Sabri Hasan Sabri Hasan Sapiri, Muhtar Sapriyadi Sapriyadi, Sapriyadi Setyani Dwi Lestari Simanjuntak, Mariana Siti Mariam SITI MARIAM St. Hatidja St. Syahriati Sultan Surani Suriyanti Suriyanti Syahnur Said Syahnur, Haerdiansyah Syamsu Nujum Yulia Tri Samiha Yunus, Abdul Thalib Yusran Paris Yusran Paris Yusuf, Marwah