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All Journal Journal of Applied Accounting And Business (JAAB) Entrepreneurship and Small Business Research
Ramadhani, Mardiatul
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Adaptive Capital Budgeting Practices in Micro-Family Enterprises: Exploring Informal Financial Strategies Arima, Ulfah; Windiani, Titik; Ramadhani, Mardiatul; Dafa, Muhammad; Rahmatul Husna, Mutia
Entrepreneurship and Small Business Research Vol. 2 No. 3 (2023): Entrepreneurship and Small Business Research (December 2023 - March 2024)
Publisher : Publication Division of International Ecsis Association

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55980/esber.v1i2.26

Abstract

This study explores applying capital budgeting theory in a micro-scale, family-run enterprise founded by a student entrepreneur in Indonesia. This paper used a qualitative case study, the research investigates how core principles of capital budgeting are applied informally in a resource-constrained context. Data were gathered through semi-structured interviews and field observations, enabling the exploration of investment decision-making, financial planning, and family involvement. Findings show that although the business does not apply complex techniques like NPV or IRR, it employs intuitive and adaptive methods such as payback period estimation and cash flow tracking based on experience, informal communication, and shared family judgment. These practices are grounded in the owner's academic background and sustained by collaborative family roles. The study contributes to the literature by highlighting how capital budgeting can be contextualised in micro-enterprise settings and emphasises the role of educational exposure and social capital in replacing formal financial systems. The findings also suggest the potential for integrating simplified digital tools to improve decision quality without overwhelming micro-entrepreneurs. This paper provides educators, development agencies, and policymakers with insight into supporting financial literacy and investment capability in the informal sector.
PENGARUH SIKAP KEUANGAN, PENDAPATAN, DAN GENDER TERHADAP PENGELOLAAN KEUANGAN KELUARGA Ramadhani, Mardiatul; Rissi, Dita Maretha; Sriyunianti, Fera
Journal of Applied Accounting And Business Vol. 5 No. 2 (2023): JAAB - Desember 2023
Publisher : LP2M Politeknik Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37338/jaab.v5i2.242

Abstract

This study aims to determine and analyze the effect of financial attitudes, income and gender in family financial management. This study is a type of quantitative. The data used in this study is primary data with a data collection method using questionnaire sheets distributed to respondents. The population of this study is people who live in South Nagari Kajai West Pasaman.  The sample in this study was 150 respondents. The sampling technique in this study is convenience sampling. The analysis method in this study uses multiple linear regression analysis using the SPSS version 25 application. The results of this study show that partial  financial attitudes, income and gender have a significant effect in family financial management in Nagari Kajai Selatan, West Pasaman.  Simultaneously that financial attitudes, income and gender together have effect in family financial management in South Nagari Kajai West Pasaman.
Co-Authors Arima, Ulfah Dafa, Muhammad Dita Maretha Rissi Fera Sriyunianti Rahmatul Husna, Mutia Windiani, Titik