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All Journal International Journal on Social Science, Economics and Art CARE: Jurnal Pengabdian Multi Disiplin Journal of Economic, Management, Business, Accounting Sustainability Journal Of Community Sustainability General Multidisciplinary Research Journal Journal of Financial and Business Journal of Community Service and Empowerment
Mardiyah, Suci
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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The Role of Microfinance in Driving MSME Growth: Challenges and Opportunities Amidst Economic Uncertainty Mardiyah, Suci; Sudirman, Wahyu Febri Ramadhan
Journal of Financial and Business Vol 2 No 1 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63453/jfb.v2i1.70

Abstract

This study aims to analyze the role and effectiveness of microfinance in improving the resilience and performance of Micro, Small, and Medium Enterprises (MSMEs) amidst uncertain economic dynamics. MSMEs contribute significantly to Gross Domestic Product (GDP) and employment, but still face various obstacles, particularly in access to formal financing, limited capital, and low financial literacy. This study uses a library research method with a qualitative approach. Data were obtained through searching and analyzing various literature sources such as scientific journals, books, research reports, and official documents relevant to the topic of microfinance and MSME development. Data were analyzed descriptively and analytically to identify patterns of findings, research gaps, and conceptual synthesis related to the effectiveness of microfinance. The results of the study indicate that microfinance plays a significant role in improving capital access, productivity, and the sustainability of MSME businesses. In addition, support for the digitalization of financial services and innovation in financing models contribute to expanding financial inclusion. However, financing effectiveness is strongly influenced by factors such as financial literacy, managerial capacity, and adequate policy support. This study concludes that microfinance serves not only as a credit instrument but also as an economic empowerment strategy capable of sustainably strengthening the resilience of MSMEs.
Analysis of Investment Strategy and Effectiveness of Risk Diversification in Property Investment Andini, Bunga; Mardiyah, Suci; Sudirman, Wahyu Febri Ramadhan
Journal of Financial and Business Vol 2 No 1 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63453/jfb.v2i1.73

Abstract

Property investment is one of the most popular long-term investment instruments due to its potential to generate stable income and achieve asset value appreciation over time. As a tangible asset, property is often perceived as relatively secure compared to financial assets; however, it is not free from risk. Property investment is exposed to various uncertainties, including market volatility, fluctuations in economic conditions, location-specific risks, regulatory changes, and relatively low liquidity compared to other investment instruments. These risk factors may negatively affect investment performance if not properly managed. Therefore, a comprehensive analysis of property investment risk is essential to support informed investment decision-making. One effective approach to managing investment risk is portfolio diversification, which involves allocating funds across different asset classes to reduce dependence on a single source of return. Diversification aims to minimize unsystematic risk while optimizing the overall risk–return trade-off of the portfolio. Integrating property assets into a diversified investment portfolio can provide benefits such as income stability, inflation hedging, and risk reduction due to low correlation with certain financial assets. This study emphasizes the importance of analyzing the effectiveness of risk diversification in investment portfolios that include property assets.
Co-Authors Andini, Bunga Arif Mudi Priyatno Diany Mairiza Hidayat Hidayat IRWAN, YUDI Iskandar Iskandar Mifta Hasda Mohd. Winario Muhammad Syaipudin Muhammad Zakir Rifqil Khairi Rinda Fithriyana Riski, Syafnur Muhammad Rizky, Syafnur Muhammad Saru Reza Wahyu Febri Ramadhan Sudirman Zahara, Alfiatun Zahrah, Alfiatun Zubaidah Assyifa