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Does financial literacy drive SME success in resource-rich regions? Lusiana Desy Ariswati; Muhammad Ramadhani Kesuma; Rohana Nur Aini; Ellen D. Oktanti Irianto; Chandika Mahendra Widaryo; Margareth Henrika
Priviet Social Sciences Journal Vol. 5 No. 11 (2025): November 2025
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/pssj.v5i11.714

Abstract

This study investigates the relationships among financial literacy, product innovation, risk management, and financial performance in small and medium-sized enterprises (SMEs) located in East Kalimantan, a region in Indonesia characterized by its resource abundance. While prior studies underscore the importance of financial literacy and innovation for SME success, there is limited research focusing on non-urban, commodity-reliant settings. Using a quantitative methodology, this study employs Partial Least Squares Structural Equation Modeling to analyze data gathered from 200 SME owners in non-extractive industries through a structured survey. This study explores whether financial literacy and product innovation directly affect financial performance and whether risk management mediates these dynamics. The findings reveal that financial literacy has a significant positive effect on financial performance, whereas product innovation strengthens risk management but does not directly influence financial outcomes. Additionally, risk management does not mediate these relationships, indicating potential contextual constraints in resource-limited environments. These insights advance the understanding of SME operations in non-urban, resource-dependent regions and highlight the need for customized financial education and innovation. This study provides actionable recommendations for policymakers to enhance SME resilience through targeted strategies, addressing a key gap in the literature on economies tied to natural resources.
Analytic Hierarchy Process in Risk Assessment: A Bibliometric Perspective Faradillah Febriyanti; Inggit Istani Putri; Muhammad Eko Wahyudi; Putri Nandira; Queen Firakirana Ramadhani; Via Zahwa Niagara; Lusiana Desy Ariswati; Muhammad Ramadhani Kesuma
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 2 (2026): APRIL-JUNI 2026
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/ve7w8417

Abstract

This study analyses the development of research on the application of the Analytic Hierarchy Process (AHP) in risk assessment through a bibliometric approach. Data were collected from the Scopus database using relevant keyword combinations, yielding 1,685 articles. Analysis was conducted using VOSviewer to examine publication trends, author collaboration networks, and keyword co-occurrence patterns. The findings reveal that AHP in risk assessment has experienced significant growth and exhibits a high degree of international collaboration. The most frequently occurring keywords include "AHP," "risk assessment," and "fuzzy AHP," indicating a paradigm shift towards uncertainty-based and hybrid methodological approaches. This study maps the evolution of research themes and identifies future research directions, particularly concerning the integration of AHP with advanced analytical methods and sustainability issues. The bibliometric patterns identified here complement an expanding body of literature linking decision-science methods with financial management and organisational governance.
Exploring Academic Burnout: The Interplay of Time Pressure, Poor Sleep Habits, and Jam Koma Among Undergraduate Students in East Kalimantan Rohana Nur Aini; Muhammad Ramadhani Kesuma; Ellen D. Oktanti Irianto; Margareth Henrika; Lusiana Desy Ariswati
SOSMANIORA: Jurnal Ilmu Sosial dan Humaniora Vol. 4 No. 3 (2025): September 2025
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/sosmaniora.v4i3.5683

Abstract

This study investigates the interplay of time pressure, poor sleep habits, and jam koma as key predictors of academic burnout among university students in East Kalimantan. Utilizing a quantitative cross-sectional design, the research investigates how time pressure and poor sleep habits contribute to burnout, with cognitive fatigue locally termed “jam koma”, acting as a mediator. Data were collected from undergraduate students using instruments, including scales for time pressure, sleep quality, jam koma, and burnout, and analyzed through Structural Equation Modeling-Partial Least Squares. The findings reveal that time pressure and inadequate sleep significantly drive burnout, both directly and indirectly through jam koma, highlighting the mediating role of mental exhaustion in amplifying academic stress. These results extend the JDR model by incorporating sleep as a critical physiological resource, offering a nuanced understanding of burnout dynamics in collectivist academic settings. This study concludes the urgent need for culturally tailored interventions, such as time management training, sleep hygiene programs, and counseling services sensitive to collectivist values, to mitigate burnout and enhance student well-being. By providing localized insights into burnout mechanisms, this research informs evidence-based strategies for fostering resilient academic environments in East Kalimantan and similar collectivist contexts, contributing to global efforts to support student mental health.
THE IMPACT OF CAPITAL INTENSITY ON FINANCIAL STABILITY OF ENERGY SECTOR COMPANIES IN INDONESIA Muhammad Ramadhani Kesuma; Margareth Henrika S.; Lusiana Desy Ariswati
Journal of Financial Economics & Investment Vol. 5 No. 2 (2025): Journal of Financial Economics & Investment
Publisher : Program Studi Ekonomi Pembangunan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jofei.v5i2.40516

Abstract

This study investigates the impact of capital intensity on the financial stability of energy sector companies in Indonesia from 2019 to 2023, using cash ratio and debt-to-equity ratio as stability indicators, while controlling for firm size and profitability (ROA). Employing a Random Effects Model on panel data from 40 publicly listed energy firms, the analysis reveals that capital intensity does not significantly affect financial stability. In contrast, profitability significantly enhances liquidity and reduces leverage, while firm size influences only solvency. These findings suggest that profitability is a stronger determinant of financial stability than capital intensity, particularly in the context of external volatility such as commodity price fluctuations. The study provides insights for energy firms to prioritize profitability to bolster financial resilience and recommends further exploration of external factors influencing sector dynamics.
OPTIMALISASI PEMASARAN DIGITAL UMKM MELALUI STRATEGI MEDIA SOSIAL INTERAKTIF Lusiana Desy Ariswati; Aji Sophia Azzahra; Selvi Intan Nabila; Wanda Aulia Pratiwi; Windi Anggriyani
Perwira Journal of Community Development Vol 5 No 2 (2025)
Publisher : Unperba Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54199/pjcd.v5i2.498

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) menghadapi tantangan dalam mengadopsi strategi pemasaran digital yang efektif, terutama dalam meningkatkan visibilitas dan keterlibatan pelanggan. Kegiatan ini bertujuan untuk mengoptimalkan pemasaran digital UMKM melalui strategi berbasis media sosial dengan studi kasus pada Kedai Yumyum, sebuah bisnis kuliner di Samarinda. Kegiatan dilakukan dengan menggunakan pendekatan kualitatif-deskriptif melalui metode partisipatif dalam bentuk pengabdian masyarakat. Implementasi dilaksanakan dalam beberapa tahap, termasuk analisis awal media sosial, perancangan konten visual, serta penerapan strategi interaktif untuk meningkatkan keterlibatan pelanggan. Data dikumpulkan melalui analitik media sosial dan survei pelanggan, kemudian dianalisis secara deskriptif-kualitatif. Hasilnya menunjukkan terjadi peningkatan jumlah pengikut (+76%), engagement rate (+176%), dan jumlah pesanan (+85,7%) setelah dilakukan implementasi strategi pemasaran digital. Desain visual yang lebih profesional serta interaksi pelanggan yang lebih aktif terbukti meningkatkan daya tarik bisnis. Selain itu, penggunaan kartu ucapan dan kartu terima kasih berkontribusi dalam membangun loyalitas pelanggan. Temuan ini menegaskan pentingnya strategi pemasaran berbasis media sosial bagi UMKM dalam meningkatkan daya saing dan pertumbuhan bisnis. Kegiatan lebih lanjut disarankan untuk mengeksplorasi dampak jangka panjang strategi pemasaran digital serta penerapannya dalam sektor industri lain.