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The Influence of The Financial Sector on The Success of Micro Enterprises in Surabaya City Sitepu, Sri Nathasya Br; Wijanarko, Andri; Gunawan, Florencia
Jurnal Aplikasi Bisnis dan Manajemen Vol. 11 No. 1 (2024): JABM, Vol. 11 No. 1, Januari 2025
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.11.1.25

Abstract

Background: Micro enterprises in Indonesia are the largest in number compared to small and medium enterprises. Micro enterprises are spread throughout Indonesia, including Surabaya City. Micro enterprises will succeed if supported by good internal and external management of the business units. External factors come from outside the micro enterprise, while internal factors come from within the micro enterprise, one of which is the financial sector. Variables related to the financial sector include financial literacy, financial attitude, financial inclusion, business capital, and digital financial systems. Micro enterprises require research on financial variables to achieve success.Objective: This research aims to analyze the influence of financial factors, consisting of financial literacy, financial attitude, financial inclusion, business capital, and digital financial systems on the success of micro enterprises.Design/methodology/approach: This study is quantitative research using secondary data. The research involves 70 micro enterprises that received assistance from Ciputra University Surabaya. The sampling technique used is purposive sampling. Data analysis employs multiple linear regression analysis on micro enterprise data. The research location is in Surabaya City, corresponding to the location of micro enterprises that received assistance from Ciputra University Surabaya.Finding/result: The research findings show that the significance values for financial literacy and financial attitude variables are 0.00, which is less than 0.05 (α = 5%). This indicates that the financial literacy and financial attitude variables significantly influence the success of micro enterprises in Surabaya City. The significance values for financial inclusion, business capital, and digital financial systems are greater than 0.05 (α = 5%). This means that the success of micro enterprises assisted by Ciputra University Surabaya is not significantly influenced by the financial inclusion, business capital, and digital financial systems variables.Conclusion: Micro enterprises succeed when they enhance their knowledge of financial literacy and financial attitudes. This improvement can be achieved when micro enterprises participate in assistance and training from Ciputra University Surabaya.Originality/value (state of the art): This study finds that increasing financial literacy knowledge in micro enterprises has the greatest impact on their success. The role of educational institutions is crucial in enhancing skills and creating the success of micro enterprises. Micro enterprises should participate in training and assistance, especially in financial matters. Keywords: financial literacy, financial attitude, financial inclusion, business capital, micro enterprises
Pengaruh Advertising, Live Streaming, Affiliate Marketing Dan Content Creator Terhadap Purchase Decision Melalui Buying Interest Nathasya Br Sitepu, Sri; Gunawan, Florencia
Gorontalo Management Research Vol 8, No 1 (2025): Gorontalo Management Research
Publisher : Universitas Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32662/gomares.v8i1.3998

Abstract

The purpose of this study was to determine the effect of Advertising, Live Streaming, Affiliate marketing, and Content Creator on Purchase decision through Buying interest in Generation Z in Surabaya City. A total of 173 Generation Z living in Surabaya City were sampled in the study, using a non-probability sampling approach, especially those who use Instagram, TikTok and Shopee, have watched live streaming and have shopped via Instagram / TikTok / Shopee. The questionnaire instrument was designed based on the research variables to collect research data. Data analysis using Structural Equation Modeling (SEM). The results of this study indicate that not all endogenous variables affect exogenous variables. Although the value is positive, only two variables have a significant effect. The results found that not all marketing methods can influence someone to make a Purchase decision through Buying interest.
The Role of Internal and External Factors on the Success of Surabaya City MSMEs Gunawan, Florencia; Nathasya, Sri
Gorontalo Development Review Volume 7 Nomor 2 Oktober 2024
Publisher : Universitas Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32662/golder.v0i0.3510

Abstract

This study aims to find out the influence of external factors and internal factors on the success of MSMEs in Surabaya City. The sampling technique uses purposive sampling. The respondents of the study were 70 MSMEs in Surabaya. Data collection techniques use questionnaires that are shared via google form or QR code scan. The analysis tool uses multiple linear regression with the help of SPSS to process the data. The results of the study found that external factors and internal factors have a positive and significant influence on the success of MSMEs in Surabaya City.