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THE INFLUENCE OF FINANCIAL TECHNOLOGY (FINTECH) USAGE, FINANCIAL LITERACY, SAVING HABITS, AND CAPITAL STRUCTURE ON THE FINANCIAL CAPABILITY OF MSMES IN TANGERANG REGENCY Nor Fatah Ulinnuha; Abu Naim; Sapriyadi; Andika Mugi Gumilang; Ervina Yennie Permananingrum; Mardi
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 4 No. 10 (2025): SEPTEMBER
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijset.v5i1.1408

Abstract

MSMEs in Tangerang Regency deal with a number of financial management issues, such as low financial literacy, poor saving practices, an uneven capital structure, and inefficient use of financial technology (Fintech). These circumstances affect MSMEs' limited ability to manage cash flow, secure capital, and sustain firm stability. This study aims to quantitatively analyse the influence of Fintech usage, financial literacy, saving habits, and capital structure on the financial capability of MSMEs in Tangerang Regency. The research method uses an associative approach with multiple regression analysis techniques applied to 200 MSME respondents selected through purposive sampling. The research instrument is a Likert scale that is evaluated using validity and reliability tests, while data analysis is carried out using SPSS using classical assumptions, t, and F tests. The study's findings indicate that the following variables—Fintech, financial literacy, kebiasaan menabung, and modal structure—have a positive and significant impact on UMKM's financial capabilities, both in a parallel and parallel manner. The Adjusted R-Squared value of 0.612 indicates that 61.2% of the financial variability can be explained by the developed model. This study highlights the importance of financial education, effective financial management, and the use of financial technology to increase UMKM's financial capabilities in the digital age. It is anticipated that this will serve as a catalyst for government agencies, financial institutions, and Fintech companies to develop more effective UMKM strategies
THE INFLUENCE OF INVENTORY MANAGEMENT, PRODUCTION LEAD TIME, AND RAW MATERIAL QUALITY ON COMPANY OPERATIONAL PERFORMANCE Abu Naim; Nirfison; Abdul Rouf; Eko Hadi Sucipto; Mardi
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 4 No. 12 (2025): NOVEMBER
Publisher : RADJA PUBLIKA

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

Abstract

In the era of increasingly intense business competition, companies are required to achieve superior operational performance in order to survive and remain competitive. Operational performance reflects a company’s ability to manage resources effectively to produce goods with high quality, timely delivery, and optimal cost. Several key factors that influence operational performance include inventory management, production lead time, and raw material quality. Poor inventory management can lead to excess stock, increased storage costs, or shortages of raw materials that disrupt production. Long production lead times may cause delivery delays, higher operational costs, and reduced customer satisfaction. In addition, low-quality raw materials can increase defect rates, rework, and waste, thereby reducing operational efficiency. This study aims to analyze the effect of inventory management, production lead time, and raw material quality on company operational performance using a quantitative approach. The research employs a causal associative design to examine the cause-and-effect relationships between the independent variables—inventory management (X1), production lead time (X2), and raw material quality (X3)—and the dependent variable, operational performance (Y). The population consists of employees directly involved in operational activities, including production, warehouse, and quality control departments. Data were collected through questionnaires using a five-point Likert scale and analyzed using SPSS software. Prior to hypothesis testing, validity and reliability tests as well as classical assumption tests (normality, multicollinearity, and heteroscedasticity) were conducted to ensure that the regression model met the BLUE criteria. Multiple linear regression analysis was used to test both partial and simultaneous effects. The results indicate that inventory management and raw material quality have a positive and significant effect on operational performance, while production lead time has a negative and significant effect. Simultaneously, the three variables significantly influence operational performance, with a coefficient of determination of 0.612. These findings suggest that companies should manage inventory effectively, shorten production lead times, and maintain high raw material quality to enhance operational performance. The study provides practical insights for management and serves as a reference for future research in operations management.
Pengaruh Pemasaran Berbasis E-Commerce terhadap Pengembangan UMKM Lokal melalui Efektivitas Pemasaran sebagai Variabel Intervening Dadang Dadang; Helmas Septiyo Hadi; Abu Naim; Rosidawaty Rosidawaty
PESHUM : Jurnal Pendidikan, Sosial dan Humaniora Vol. 5 No. 5: Agustus 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/peshum.v5i5.17712

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh pemasaran berbasis perdagangan elektronik (e-commerce) terhadap pengembangan usaha mikro, kecil, dan menengah (UMKM) lokal, serta menguji peran efektivitas pemasaran sebagai variabel intervening (mediasi) dalam hubungan tersebut. Latar belakang penelitian ini didasarkan pada fenomena pesatnya pertumbuhan perdagangan daring di Indonesia yang belum diimbangi dengan kemampuan UMKM lokal dalam memanfaatkannya secara optimal. Penelitian menggunakan desain kuantitatif dengan metode survei terhadap 115 pelaku UMKM lokal yang telah aktif menggunakan setidaknya satu platform e-commerce selama minimal enam bulan. Teknik sampling menggunakan purposive sampling. Pengujian mediasi menggunakan analisis jalur (path analysis) dengan uji Sobel. Hasil penelitian menunjukkan bahwa pemasaran e-commerce berpengaruh positif dan signifikan terhadap efektivitas pemasaran (β = 0,412; p < 0,05) dan terhadap pengembangan UMKM lokal secara langsung (β = 0,287; p < 0,05). Lebih lanjut, efektivitas pemasaran terbukti memediasi secara parsial hubungan antara pemasaran e-commerce dan pengembangan UMKM lokal (β tidak langsung = 0,222; p < 0,05). Nilai R² total sebesar 0,673 menunjukkan kehandalan model dalam menjelaskan variasi pengembangan UMKM. Temuan penelitian ini menegaskan bahwa pemanfaatan e-commerce yang diiringi dengan peningkatan efektivitas pemasaran akan memberikan dampak pengembangan UMKM yang lebih optimal. Kata Kunci: e-commerce, pengembangan UMKM, efektivitas pemasaran, mediasi, UMKM lokal, perdagangan digital