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All Journal Journal of Economic, Bussines and Accounting (COSTING) International Journal of Financial, Accounting, and Management
Salilama, Fikri
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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TOEI FRAMEWORK: ANALYSING TECHNOLOGY ADAPTATION FOR SUPPORTING MSME SUSTAINABILITY IN BALI Putri, I Gusti Agung Prabandari Tri; Dwi Putri, I Gusti Agung Pramestri; Dewi, Desak Putu Nitya; Salilama, Fikri; Premana, I Made Sarwa
Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 5 (2024): Journal of Economic, Bussines and Accounting (COSTING)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i6.12996

Abstract

The sustainability of MSMEs is one of the important issues for economic growth, because the existence of this business is more adaptive to change and has the opportunity for resilience in uncertainty. This study aims to analyze the sustainability of MSMEs based on their technological adaptation through social media by referring to the TOEI framework. Quantitative design is considered appropriate for the purpose of the study by utilizing a questionnaire as a data collection instrument targeting MSME owners in Bali Province. The sampling technique applied is probability sampling with the provisions of SEM analysis, the minimum sample size is 145 and the maximum is 290 data. Based on the results of data collection in the field, 190 valid data were obtained to enter the analysis stage. Data analysis was carried out using WarpPLS 7.0 software because the analysis is simpler. The results of the study indicate that the adoption of social media is positively and significantly influenced by technological factors, environmental factors and individual factors, while organizational factors do not show a significant influence. Regarding the sustainability of MSMEs, only organizational factors and social media adoption practices show a positive and significant influence. This study also proves that the adoption of social media can act as a mediator of the influence of technological factors and environmental factors on the sustainability of MSMEs. In the long term, the research results can be applied to MSMEs by improving the quality of social media so as to support MSMEs to be more adaptive, facilitate the determination of resilience strategies, improve performance, and mitigate risks.
Financial management behaviour in supporting the sustainability of MSMEs in the Sarbagita region Bali Putri, I Gusti Agung Prabandari Tri; Dwiputranti, Made Irma; Salilama, Fikri; Baswedan, Yasmin Fazilah
International Journal of Financial, Accounting, and Management Vol. 7 No. 2 (2025): September
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/ijfam.v7i2.2741

Abstract

Purpose: This study aims to analyse the role of FMB in supporting the sustainability of MSMEs. This analysis is essential because financial management among MSMEs in Bali remains suboptimal, with challenges in separating personal and business finances. Methodology/approach: Denpasar, Badung, Gianyar, and Tabanan Regency (Sarbagita) were chosen as research locations based on previous observations. The adoption of FinTech and the measurement of FinSat in achieving financial performance (FP) have been under-researched. This research was conducted quantitatively to analyse the FP of MSMEs in achieving business sustainability. Results/findings: DFL has a positive and significant influence on FMB, and FinTech has a positive and significant impact on FinSat. However, FinSat positively and significantly influences FP. FinSat mediates the relationship between FinTech and FP, but FMB does not mediate the relationship between DFL and FP. Conclusions: The implementation of Fintech helps owners achieve FinSat, thereby meeting MSME performance targets. Individuals must have DFL to mitigate the risks associated with Fintech Limitations: The research location, which is limited to only four regencies/cities in Bali, presents a limitation, making the results not generalizable to all MSMEs. Additionally, the financial management aspect of this study does not include the financial conditions of previous periods. Contribution: The research findings contribute to the development of personal financial management science and are utilized in MSME mentoring to optimize their business sustainability.
Co-Authors Baswedan, Yasmin Fazilah Dewi, Desak Putu Nitya Dwi Putri, I Gusti Agung Pramestri Made irma Dwiputranti Premana, I Made Sarwa Putri, I Gusti Agung Prabandari Tri