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All Journal Jurnal Ekonomi & Studi Pembangunan International Journal of Economics, Business and Accounting Research (IJEBAR) Journal of Accounting, Entrepreneurship and Financial Technology (JAEF) Jurnal Abdimas Kartika Wijayakusuma
Basir, Mustika Kusuma
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Humanities Economics, Econometrics & Finance Education Social Sciences Other

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Revitalizing Green Economic Capability to Maintain the Financial Stability of MSMEs in Bira Beach Sharon, ST Salmah; Monalisa, Monalisa; Muchtar, Muchtar; Firman, Afrizal; Basir, Mustika Kusuma; Arif, Muh
Jurnal Ekonomi & Studi Pembangunan Vol. 26 No. 1: April 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

To maintain the financial stability of Micro, Small and Medium Enterprises (MSMEs) is a vital issue which needs a revitalization of green economic capability. This study explores the impact of Green Economy Capability (GEC) on the financial stability of MSMEs in the coastal region of Bira Beach, with a focus on the mediating role of government support. A SmartPLS-SEM used in this study to investigate the survey involving 150 MSMEs. The key variables measured include GEC, financial stability, and government support, with the data analyzed through descriptive and inferential statistical techniques. The findings indicate that GEC significantly influences government support, which in turn has a positive effect on financial stability. However, GEC does not have a direct impact on MSMEs' financial stability. These findings underscore the critical role of government policies in supporting the adoption of sustainable practices among MSMEs, particularly in regions heavily dependent on tourism. This research contributes to the literature by providing empirical evidence of the indirect relationship between GEC and financial stability through government support in the coastal MSME sector. In results, we offered two solutions. First, the policymakers must prioritize initiatives that strengthen MSME’s capacity for sustainable practices. Second, the need for tailored support systems in coastal areas like the adoption of green practices which must be integrated with local economic strategies to yield both environmental and financial benefits.
Meningkatkan Literasi Keuangan Siswa SMAS Barrang Lompo Sharon, St Salmah; Basir, Mustika Kusuma; Christina, Melissa
Jurnal Abdimas Kartika Wijayakusuma Vol 6 No 3 (2025): Jurnal Abdimas Kartika Wijayakusuma
Publisher : LPPM Universitas Jenderal Achmad Yani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26874/jakw.v6i3.873

Abstract

Latar belakang kegiatan ini berangkat dari rendahnya tingkat literasi keuangan di kalangan siswa sekolah menengah atas, khususnya di SMAS Barrang Lompo. Literasi keuangan yang baik sangat penting untuk membekali siswa dengan keterampilan pengelolaan keuangan yang akan mereka perlukan dalam kehidupan dewasa. Tujuan dari kegiatan ini adalah untuk meningkatkan kesadaran dan pemahaman siswa mengenai konsep-konsep dasar literasi keuangan, seperti perencanaan anggaran, tabungan, investasi, dan manajemen utang. Metode pelaksanaan kegiatan ini meliputi ceramah, diskusi interaktif, dan simulasi praktis. Siswa diberikan materi yang komprehensif mengenai literasi keuangan, disertai dengan sesi tanya jawab dan studi kasus untuk memperdalam pemahaman mereka. Kegiatan ini diikuti oleh 50 siswa kelas XII SMAS Barrang Lompo. Hasil dari kegiatan ini menunjukkan peningkatan signifikan dalam pemahaman siswa terhadap literasi keuangan. Siswa lebih memahami pentingnya membuat anggaran, menabung secara rutin, dan mengelola utang dengan bijak. Beberapa siswa juga menunjukkan minat untuk mempelajari lebih lanjut tentang investasi dan perencanaan keuangan jangka panjang. Luaran penting dari kegiatan ini adalah peningkatan literasi keuangan siswa yang diharapkan dapat membantu mereka dalam pengelolaan keuangan pribadi di masa depan.
ECOSYSTEM-BASED CRM INTEGRATION IN MULTI-UNIT UMRAH ENTERPRISES: A CASE STUDY OF TIGA MAHAREWA GROUP Harmina, Harmina; Basir, Mustika Kusuma; Burhanuddin, Fia Fauzia; Triany, Novika Ayu; Pagiling, Novieyanty
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 9 No 4 (2025): IJEBAR, VOL. 09 ISSUE 04, DECEMBER 2025
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v9i4.18561

Abstract

This research explores the strategic imperative of Customer Relationship Management (CRM) integration within the Tiga Maharewa Group’s multi-unit business ecosystem, focusing on Umrah services. Qualitative inquiry and strategic analysis (IFAS/EFAS) revealed severe operational fragmentation (silos) and a critical lack of unified data, empirically positioning the firm in a strategic turnaround condition. To resolve this strategy-structure misalignment, the study developed a Conceptual Strategic Integration Model by synthesizing TOWS analysis and a revised Business Model Canvas. The proposed model is founded on Shared CRM Membership  and Collaborative Promotion, and crucially expands customer segmentation to formally incorporate Agents and External Merchants to facilitate Value Co-Creation. The study’s core contribution is a four-stage conceptual roadmap that recommends pragmatic implementation steps, from securing an executive mandate to system standardization. This model and roadmap provide a necessary strategic framework for the Tiga Maharewa Group to transform its siloed operations into a cohesive, data-driven ecosystem, ensuring enhanced efficiency, long-term competitive advantage, and alignment with the Islamic principle of Ta'awun (cooperation).
Revitalizing green economic capability to maintain the financial stability of MSMEs in Bira Beach Sharon, ST Salmah; Monalisa, Monalisa; Muchtar, Muchtar; Firman, Afrizal; Basir, Mustika Kusuma; Arif, Muh
Jurnal Ekonomi & Studi Pembangunan Vol. 26 No. 1: April 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jesp.v26i1.24080

Abstract

To maintain the financial stability of Micro, Small and Medium Enterprises (MSMEs) is a vital issue which needs a revitalization of green economic capability. This study explores the impact of Green Economy Capability (GEC) on the financial stability of MSMEs in the coastal region of Bira Beach, with a focus on the mediating role of government support. A SmartPLS-SEM used in this study to investigate the survey involving 150 MSMEs. The key variables measured include GEC, financial stability, and government support, with the data analyzed through descriptive and inferential statistical techniques. The findings indicate that GEC significantly influences government support, which in turn has a positive effect on financial stability. However, GEC does not have a direct impact on MSMEs' financial stability. These findings underscore the critical role of government policies in supporting the adoption of sustainable practices among MSMEs, particularly in regions heavily dependent on tourism. This research contributes to the literature by providing empirical evidence of the indirect relationship between GEC and financial stability through government support in the coastal MSME sector. In results, we offered two solutions. First, the policymakers must prioritize initiatives that strengthen MSME’s capacity for sustainable practices. Second, the need for tailored support systems in coastal areas like the adoption of green practices which must be integrated with local economic strategies to yield both environmental and financial benefits.
PKM Wirausaha Muda Tangguh dari Nol menjadi Sukses Basir, Mustika Kusuma; Sharon, St Salmah; Muchtar, Muchtar; Syulhasbiullah, Muh
Jurnal Abdimas Kartika Wijayakusuma Vol 7 No 1 (2026): Jurnal Abdimas Kartika Wijayakusuma
Publisher : LPPM Universitas Jenderal Achmad Yani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26874/jakw.v7i1.1280

Abstract

Program Pengabdian kepada Masyarakat ini dilaksanakan untuk memperkuat kemampuan wirausaha muda dalam membangun bisnis dari tahap awal hingga mencapai keberhasilan. Kegiatan ini berangkat dari kebutuhan generasi muda akan pengetahuan praktis, keterampilan kewirausahaan, serta mentalitas tangguh dalam menghadapi tantangan usaha. Tujuan utama kegiatan adalah memberikan pendampingan komprehensif mengenai perencanaan bisnis, manajemen keuangan sederhana, pemasaran digital, dan penguatan karakter sebagai wirausaha pemula. Metode pelaksanaan meliputi workshop interaktif, simulasi studi kasus, mentoring intensif, dan pendampingan pengembangan rencana usaha. Hasil kegiatan menunjukkan peningkatan signifikan dalam pemahaman peserta mengenai proses memulai usaha, kemampuan menyusun perencanaan bisnis yang realistis, serta keberanian untuk memulai langkah awal bisnis secara mandiri. Kontribusi utama program ini adalah terciptanya model pemberdayaan wirausaha muda yang aplikatif, berkelanjutan, dan mudah direplikasi di berbagai wilayah untuk mendorong terciptanya generasi wirausaha tangguh sejak dini.
Digital Transformation in Micro, Small, and Medium Enterprises: Accounting Information Systems and Digital Marketing Driving Financial Performance Burhanuddin, Fia Fauzia; Sharon, salmah; Basir, Mustika Kusuma; Syam, Asriah; Monalisa
Journal of Accounting, Entrepreneurship and Financial Technology (JAEF) Vol. 7 No. 2 (2026): Journal of Accounting, Entrepreneurship and Financial Technology (JAEF)
Publisher : Accounting Study Program, Universitas Ciputra Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37715/jaef.v7i2.6251

Abstract

This study examines the influence of Accounting Information Systems (AIS) and digital marketing on the financial performance of Micro, Small, and Medium Enterprises (MSMEs) in Takalar Regency, South Sulawesi. Digital transformation has become an essential strategy for enhancing MSME competitiveness, yet many rural enterprises still face barriers in adopting financial and marketing technologies. Grounded in signaling theory, AIS and digital marketing are viewed as strategic signals that reflect transparency, accountability, and innovation within MSME operations. Using a quantitative research approach, data were collected through questionnaires distributed to 104 MSME respondents who have operated for at least two years and utilize both financial recording and digital promotion methods. Data analysis was performed using multiple linear regression with SPSS version 26. The results indicate that AIS positively and significantly affects financial performance Demonstrating that accurate and timely financial reporting improves managerial decision-making and operational efficiency. Digital marketing also shows a positive and significant effect, suggesting that effective use of online platforms enhances sales growth and customer engagement. Together, both variables explain the variation in financial performance Indicating a strong synergistic impact. This study contributes to the literature on MSME digital transformation and provides practical implications for policymakers and local governments to strengthen training, infrastructure, and technological adoption in rural business development. 
Co-Authors Burhanuddin, Fia Fauzia Christina, Melissa Firman, Afrizal Harmina, Harmina Monalisa Monalisa Monalisa Muchtar muchtar Muh Arif, Muh Pagiling, Novieyanty Sharon, St Salmah Syam, Asriah Syulhasbiullah, Muh Triany, Novika Ayu