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All Journal Jurnal Cahaya Mandalika Journal of Artificial Intelligence and Digital Business West Science Interdisciplinary Studies West Science Interdisciplinary Studies
Baresi, Irfan Sepria
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Humanities Computer Science & IT Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering Environmental Science Languange, Linguistic, Communication & Media Social Sciences

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The Relationship Between Credit Accessibility, Financial Literacy, Loan Payment Behavior, and MSME Business Performance in Indonesia Rudin, Rudin; Baresi, Irfan Sepria
West Science Interdisciplinary Studies Vol. 3 No. 01 (2025): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v3i01.1685

Abstract

This study examines the relationship between Credit Accessibility, Financial Literacy, Loan Payment Behavior, and Business Performance in Micro, Small, and Medium Enterprises (MSMEs) in Indonesia, employing Structural Equation Modeling (SEM-PLS) for data analysis. A sample of 170 MSME owners was surveyed using a Likert scale (1-5). The results reveal significant positive relationships between Credit Accessibility and Financial Literacy, Loan Payment Behavior, and Business Performance. Financial literacy and loan payment behavior also showed positive influences on business performance. The study highlights the importance of improving credit accessibility and financial literacy to enhance MSME performance in Indonesia. These findings offer valuable insights for policymakers, financial institutions, and MSME owners, suggesting that improving access to credit and fostering financial literacy can positively impact MSME growth and sustainability.
Integrasi Teknologi QR Code Absensi Karyawan Pada STIKOM 22 Januari Kendari Salfin, Salfin; Rudin, Rudin; Baresi, Irfan Sepria; Purnamasari, Etika
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 2 (2025): Mei - Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i2.1295

Abstract

Penelitian ini bertujuan untuk mengembangkan dan mengintegrasikan teknologi QR Code absensi karyawan pada STIKOM 22 Januari Kendari. Metode yang digunakan dalam penelitian ini dilakukan dengan beberapa tahapan mulai dari pengumpulan data yang dilakukan dengan melakukan observasi, wawancara, dan dokumentasi di STIKOM 22 Januari Kendari, untuk perancangan pengembangan sistem menggunakan waterfall, yaitu analisis, desain, pembuatan kode, pengujian, dan pemeliharaan. QR Code menjadi sarana indentifikasi unik bagi bagi karyawan, sehingga proses absensi dapat berjalan dengan efisien dan akurat. Evaluasi penggunan aplikasi dilakukan melalui uji coba internal pada STIKOM 22 Januari Kendari untuk menilai kinerja dan keandalan aplikasi. Hasilnya berupa Sistem Absensi Karyawan Berbasis QR Code dengan Fitur otentikasi pengguna admin dan karyawan. QR Code harian atau dinamis untuk kehadiran.dan Pencatatan waktu kehadiran secara otomatis dan real-time
The Relationship Between Credit Accessibility, Financial Literacy, Loan Payment Behavior, and MSME Business Performance in Indonesia Rudin, Rudin; Baresi, Irfan Sepria
West Science Interdisciplinary Studies Vol. 3 No. 01 (2025): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v3i01.1685

Abstract

This study examines the relationship between Credit Accessibility, Financial Literacy, Loan Payment Behavior, and Business Performance in Micro, Small, and Medium Enterprises (MSMEs) in Indonesia, employing Structural Equation Modeling (SEM-PLS) for data analysis. A sample of 170 MSME owners was surveyed using a Likert scale (1-5). The results reveal significant positive relationships between Credit Accessibility and Financial Literacy, Loan Payment Behavior, and Business Performance. Financial literacy and loan payment behavior also showed positive influences on business performance. The study highlights the importance of improving credit accessibility and financial literacy to enhance MSME performance in Indonesia. These findings offer valuable insights for policymakers, financial institutions, and MSME owners, suggesting that improving access to credit and fostering financial literacy can positively impact MSME growth and sustainability.
Desain Sistem Pakar Diagnosa Penyakit Gigi Menggunakan Metode Forward Chaining Baresi, Irfan Sepria
Jurnal Cahaya Mandalika ISSN 2721-4796 (online) Vol. 4 No. 3 (2023)
Publisher : Institut Penelitian Dan Pengambangan Mandalika Indonesia (IP2MI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/jcm.v4i3.3374

Abstract

Sistem pakar adalah salah satu kecerdasan buatan yang dapat melakukan diagnosa suatu masalah atau penyakit secara otomatis dengan memanfaatkan basis pengetahuan dari pakar dalam bidang tersebut. Konsep desain sistem pakar ini dirancang berdasarkan keterangan para ahli atau dokter penyakit gigi yang dituangkan kedalam basis pengetahuan menggunakan kaidah produksi yang inputan datanya terekam dan tersimpan dalam suatu basis data dengan metode pelacakan dari gejala sampai suatu kesimpulan penyakit dan didukung oleh user interface yang sederhana dan menarik. Dengan menggunakan sistem pakar, proses diagnosa penyakit gigi pada manusia dapat dilakukan dengan lebih cepat dan akurat, serta dapat dilakukan oleh tenaga medis yang memiliki kemampuan yang lebih terbatas bahkan dapat dengan langsung dimanfaatkan oleh masyarakat.
Co-Authors Purnamasari, Etika Rudin, Rudin