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All Journal Priviet Social Sciences Journal Ekopedia: Jurnal Ilmiah Ekonomi Jurnal Ilmiah Ekonomi dan Manajemen Indonesia
Margareth Henrika
Mulawarman University
Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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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.
Risk Management in Decision-Making: A Bibliometric Study Zan Zabila; Ghina Zahira Syahda; Andi Ahmad Aji Ripaldi; Dicko Syahputra; Muhammad Gibran Rustu; Margareth Henrika; 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: 10.63822/6fjffe28

Abstract

This study examines the intellectual landscape of risk management in decision-making through a systematic bibliometric analysis of scholarly publications indexed in Scopus. The study employs a bibliometric method using 168 articles retrieved from Scopus via Boolean keyword search. VOSviewer software was used to conduct co-authorship, co-occurrence, and country collaboration analyses. Publication output has grown significantly over time, reflecting heightened academic interest. Risk management and risk assessment constitute the dominant thematic core, while emerging research clusters reveal a shift toward technology-integrated approaches, including machine learning and big data analytics, alongside growing attention to sustainability and ESG dimensions. Practitioners and policymakers can leverage the identified research clusters to prioritize technology-enabled risk frameworks, particularly in financial decision-making contexts within emerging markets. This study provides a comprehensive mapping of the risk management and decision-making nexus, identifying thematic gaps and underexplored intersections with digital transformation and sustainability that set a future research agenda for financial management scholars.
Influence of Cognitive Biases on Financial Decision-Making: A Bibliometric Analysis Ananda Amalia Munaz; Ardhelia Rayshinta Ratudyana; Chindy Luisa Charlita Permata Jaya; Khairunnisa Zahra Nabilah; Ridha Alya Nur Hidayah; Margareth Henrika; Muhammad Ramadhani Kesuma
Jurnal Ilmiah Ekonomi dan Manajemen Indonesia Vol. 2 No. 1 (2026): JANUARI -JUNI
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/1stan720

Abstract

This study maps the intellectual structure and thematic evolution of research on cognitive biases in financial decision-making using a bibliometric approach. Data comprising 156 peer-reviewed articles were extracted from the Scopus database and analyzed using VOSviewer software to examine co-authorship networks, keyword co-occurrence, and citation patterns. Publications in this field experienced exponential growth, with 63.5% of the corpus concentrated in 2023-2026. India has emerged as the leading contributor by volume, reflecting a broader Global South turn in behavioral finance research. Overconfidence and behavioral finance dominate the keyword landscape, while financial literacy has emerged as a prominent moderating theme. Co-authorship networks remain fragmented, indicating opportunities for cross-institutional collaboration. Emerging frontier themes include technology-based debiasing, algorithmic bias, and ESG investment bias. Practitioners and policymakers can leverage the knowledge map produced by this study to identify high-impact research domains, prioritize financial literacy interventions, and design nudge-based decision environments that mitigate systematic biases in financial markets. This study provides the first comprehensive bibliometric map of cognitive bias research in financial decision-making covering 1997-2026, identifying collaboration gaps, dominant paradigms, and frontier themes that prior narrative reviews have not systematically captured.  
Co-Authors Ananda Amalia Munaz Andi Ahmad Aji Ripaldi Ardhelia Rayshinta Ratudyana Chandika Mahendra Widaryo Chindy Luisa Charlita Permata Jaya Dicko Syahputra Ellen D. Oktanti Irianto Ghina Zahira Syahda Khairunnisa Zahra Nabilah Lusiana Desy Ariswati Muhammad Gibran Rustu Muhammad Ramadhani Kesuma Ridha Alya Nur Hidayah Rohana Nur Aini Zan Zabila