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p-Index From 2021 - 2026
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This Author published in this journals
All Journal Journal of Finance Integration and Business Independence
Widy Hastuty
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Influence of Business Networks and Perception of Product Quality on the Competitive Advantage of SME Products in Langkat Hou, Amin; Deva Djohan; Widy Hastuty
Journal of Finance Integration and Business Independence Vol. 1 No. 1 (2024): Journal of Finance Integration and Business Independence
Publisher : YAYASAN BINA BISNIS NUSANTARA MEDAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64276/jofibi.v1i1.7

Abstract

This study seeks to assess the influence of business networks and perceptions of product quality on the competitive advantage of small and medium companies (SMEs) in Langkat. Small and medium-sized enterprises (SMEs) are vital for fostering local economic development; yet, company stakeholders encounter escalating competitive constraints. corporate networks are seen as a strategic asset that facilitates access to broader markets, resources, and information essential for corporate development. Simultaneously, perceptions of product quality affect consumer image and trust, which are essential for sustaining excellence in a competitive marketplace. This research employs a quantitative methodology, utilizing data gathered from a survey of SMEs in Langkat. We employ multiple linear regression analysis methods to examine the simultaneous and partial impacts of the variables under investigation. The analytical results demonstrate that business networks and perceptions of product quality substantially affect competitive advantage. The findings underscore the necessity for SMEs to broaden their business networks and enhance product quality to compete successfully. Recommendations include enhancing company collaboration and creating creative goods that fulfill consumer expectations
Empowering Generation Z: The Influence of Self-Efficacy and Digital Financial Inclusion on Financial Behavior in the Digital Era Chaniago, Sabaruddin; Nurul Syafiqah Azman; Ahmad Fadli; Deva Djohan; Widy Hastuty
Journal of Finance Integration and Business Independence Vol. 1 No. 2 (2025): Journal of Finance Integration and Business Independence
Publisher : YAYASAN BINA BISNIS NUSANTARA MEDAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64276/jofibi.v1i2.37

Abstract

Effective Financial Self-Efficacy (EFSE) and Digital Financial Inclusion (DFI) significantly impact financial behavior, particularly among younger generations like Generation Z, who are increasingly familiar with digital financial services. This research seeks to examine the impact of EFSE on financial behavior (FB) using DFI within Generation Z in Medan City. A quantitative methodology was employed to gather data via an online survey of 147 Generation Z respondents who regularly utilize digital financial platforms, including digital wallets, mobile banking, and fintech loans. The Partial Least Squares–Structural Equation Modeling (PLS-SEM) method was used to examine the relationship between the proposed variables and analyze the data. The findings indicate that EFSE exerts a positive and significant impact on FB, with DFI serving as a mediator that enhances the influence of EFSE on financial behavior. These results indicate that Generation Z individuals with elevated financial self-efficacy are more judicious in their financial decision-making, particularly when facilitated by access to digital financial services. This study enhances the behavioral finance literature by emphasizing the essential roles of EFSE and DFI in cultivating sound financial practices among youth in the digital era. The findings indicate the necessity to create extensive digital and financial literacy initiatives to enhance self-efficacy and the use of digital financial services within Generation Z
Co-Authors Ahmad Fadli Amin Hou Chaniago, Sabaruddin Djohan, Deva Nurul Syafiqah Azman