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All Journal Indo-Fintech Intellectuals: Journal of Economics and Business
Zukfikri, Agung
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Humanities Economics, Econometrics & Finance Social Sciences

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THE INFLUENCE OF ENTREPRENEURIAL GRIT, COGNITIVE FLEXIBILITY, DIGITAL PAYMENT ADOPTION, AND INFORMAL NETWORKING ON MSME GROWTH IN INDONESIA Adnan, Ahmad Zaelani; Zukfikri, Agung
Indo-Fintech Intellectuals: Journal of Economics and Business Vol. 5 No. 3 (2025): Indo-Fintech Intellectuals: Journal of Economics and Business (2025)
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/ifijeb.v5i3.3231

Abstract

This study investigates the influence of entrepreneurial grit, cognitive flexibility, digital payment adoption, and informal networking on the growth of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. Using a quantitative research design and structural equation modeling (SEM) with data collected from 312 MSME owners across Java Island, the study finds that all four variables have a positive and significant effect on MSME growth. Entrepreneurial grit and cognitive flexibility represent internal psychological capacities that enable entrepreneurs to persist and adapt amid challenges, while digital payment adoption and informal networking reflect external and relational resources that facilitate operational efficiency and market access. The results show that these combined factors explain 52.9% of the variance in MSME growth. The findings suggest that strengthening both internal capabilities and external linkages is essential for promoting MSME development. Practical implications are discussed for entrepreneurship training programs, digital transformation strategies, and community-based support mechanisms.
THE IMPACT OF REVERSE LOGISTICS, SUSTAINABLE PROCUREMENT, ETHICAL BRANDING, AND CONSUMER CONSCIOUSNESS ON MSME COMPETITIVENESS IN INDONESIA Basneldi, Basneldi; Yusniar, Yusniar; Zukfikri, Agung
Indo-Fintech Intellectuals: Journal of Economics and Business Vol. 5 No. 3 (2025): Indo-Fintech Intellectuals: Journal of Economics and Business (2025)
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/ifijeb.v5i3.3238

Abstract

This study investigates the impact of reverse logistics, sustainable procurement, ethical branding, and consumer consciousness on the competitiveness of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. Using a quantitative approach with Partial Least Squares Structural Equation Modeling (PLS-SEM) via SmartPLS, data were collected from 210 MSMEs across various sectors. The results reveal that all three independent variables—reverse logistics, sustainable procurement, and ethical branding—significantly influence MSME competitiveness. Moreover, consumer consciousness not only has a direct positive effect on competitiveness but also moderates the relationships between each sustainable practice and competitiveness, strengthening their effects. These findings underscore the strategic importance of integrating sustainability into MSME operations and highlight the role of socially and environmentally aware consumers in amplifying business outcomes. The study contributes to the growing literature on sustainable business strategies in emerging economies and offers practical insights for MSMEs seeking to remain competitive in a value-driven market environment.
THE ROLE OF FRUGAL INNOVATION, CULTURAL INTELLIGENCE, ALTERNATIVE FINANCING, AND REGULATORY AGILITY IN ENHANCING BUSINESS ADAPTABILITY IN CREATIVE INDUSTRY Judijanto, Loso; Suwandana, I Made Adi; Zukfikri, Agung
Indo-Fintech Intellectuals: Journal of Economics and Business Vol. 5 No. 3 (2025): Indo-Fintech Intellectuals: Journal of Economics and Business (2025)
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/ifijeb.v5i3.3239

Abstract

This study investigates the influence of frugal innovation, cultural intelligence, alternative financing, and regulatory agility on business adaptability in the creative industry. Using a quantitative approach with data collected from 250 creative business actors in Indonesia, the study applies Structural Equation Modeling (PLS-SEM) to test the proposed relationships. The results reveal that all four variables significantly and positively affect business adaptability, with regulatory agility having the highest impact. Frugal innovation enables efficient resource utilization, cultural intelligence enhances cross-cultural responsiveness, alternative financing improves financial flexibility, and regulatory agility creates an enabling environment for adaptation. These findings emphasize the importance of a multidimensional strategy that combines internal capabilities and external enablers to strengthen adaptability. The study offers theoretical contributions and practical implications for entrepreneurs, policymakers, and stakeholders in the creative economy seeking resilience and long-term growth.
Co-Authors Adnan, Ahmad Zaelani Basneldi, Basneldi Judijanto, Loso Suwandana, I Made Adi Yusniar, Yusniar