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All Journal Jurnal Ilmiah Manajemen Kesatuan Journal of Economic, Public, and Accounting (JEPA)
Mutmainnah, Arlistria
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Economics, Econometrics & Finance Social Sciences

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ANALISIS LITERASI KEUANGAN DAN PEMANFAATANTEKNOLOGIKEUANGAN BAGI WIRAUSAHAAN MUDA DALAMCASHLESS SOCIETYDIKABUPATEN MAJENE Mutmainnah, Arlistria; Akbar Azis
Journal of Economic, Public, and Accounting (JEPA) Vol 7 No 2 (2025): Volume 7, No 2, April 2025,
Publisher : Universitas Sulawesi Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31605/jepa.v7i2.3403

Abstract

Wirausaha muda memiliki peran yang sangat strategis dalam mendorong perkembangan Usaha Mikro, Kecil, dan Menengah (UMKM), terutama dalam konteks pertumbuhan ekonomi di era digital danglobalisasi.Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan dan pemanfaatanfintechterhadap kinerja Usaha(UMKM) wirausaha muda di Kabupaten Majene .Literasi keuangan merupakankemampuan pelaku UMKM dalam memahami dan mengelola keuangan dengan baik, sedangkanfintech(financial technology) mencakup penggunaan teknologi keuangan untuk mempermudah akses layanankeuangan, seperti sistem pembayaran digital. Penelitian ini menggunakan pendekatan kuantitatif denganmetode survei. Data dikumpulkan melalui kuesioner yang disebarkan kepada pelaku UMKMdi beberapawilayah Kab Majene dengan jumlah sampel sekitar 60 orang, dan dianalisis menggunakan teknikregresi berganda. Hasil penelitian menunjukkan bahwa literasi keuangan tidak memiliki pengaruh signifikan terhadapkinerja UMKM.Sedangkan, pemanfaatan fintech berpengaruh positif signifikan terhadap peningkatankinerjausaha.Namun secara bersama literasi keuangan dan pemanfaatan fintech mempengaruhi kinerja UMKM,dimana pelaku UMKM dengan literasi keuangan yang lebih baik mampu memanfaatkan fintech denganlebihoptimal.
Strategic Management of Coconut Industry Investment and Regional Competitiveness Mandasari, Nur Fitriayu; Erwin; Hafid, Haeruddin; Mutmainnah, Arlistria; Syahrir, Nur Wahyuni; Deril, Virda Evi Yanti; Ashdaq, Muhammad
Jurnal Ilmiah Manajemen Kesatuan Vol. 14 No. 1 (2026): JIMKES Edisi January 2026
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v14i1.4978

Abstract

Coconut is a strategic commodity with high economic potential in West Sulawesi Province, yet its development and utilization remain suboptimal. This study aims to identify and strengthen the investment potential of coconut as a leading sector in the region. A participatory and systematic mapping approach was employed, combining secondary and primary data from planning documents, official statistics, field observations, and focus group discussions. Analytical methods included location quotient, shift share, and Klassen typology to assess the economic significance of coconut across regencies. The results indicate that coconut is a basic and growing commodity, particularly in Polewali Mandar Regency, with strong contributions to regional income. The development of coconut processing industries, especially coconut shell briquettes, shows high prospects due to abundant yet underutilized raw materials. Financial feasibility analysis confirms the viability of investment projects (NPV of IDR 24.94 billion, IRR 29%, Payback Period 3.9 years). This investment not only offers economic returns but also creates employment, increases farmers’ income, and promotes environmentally friendly energy. Strengthening synergies among government, business actors, and communities is recommended to support targeted and sustainable investment policies in coconut commodity development.
Co-Authors Akbar Azis Ashdaq, Muhammad Deril, Virda Evi Yanti Erwin Haeruddin Hafid Mandasari, Nur Fitriayu Syahrir, Nur Wahyuni