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All Journal Journal of Management
Caturadina Darnida, Yondi
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Economics, Econometrics & Finance

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Journal : Journal of Management

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The Role of Financial Technology in Increasing Financial Access Caturadina Darnida, Yondi; Haryono, Andri; Nurriqli, Arifia
Journal of Management Vol. 3 No. 2 (2024): July - December
Publisher : Yayasan Pendidikan Belajar Berdikari

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Abstract

Financial access plays an essential role in establishing financial inclusion and economic welfare. The purpose of this study is to examine the impact of financial literacy, regulatory, infrastructure, and adaptation variables on financial access. To assess the association between independent factors and Financial Access, this study employs a quantitative technique, namely a linear regression model. The findings indicate that Financial Literacy has a substantial impact on Financial Access (t = 2.862, p = 0.005). In contrast, the factors Adaptation, Regulatory, and Infrastructure had no significant effect on Financial Access (p > 0.05). The total regression model is significant (F value = 27.019, p = 0.000), accounting for 53.2% of the variation in Financial Access (R Square = 0.532). The measurement apparatus had a Cronbach's Alpha of 0.899, indicating excellent internal consistency. Financial literacy is demonstrated to be a key determinant in improving financial access, but adaptation, regulatory, and infrastructure variables have no meaningful contribution in the context of this model. The applied regression model effectively explains the majority of the variation in Financial Access, with the instruments demonstrating great reliability and validity. The findings give valuable insights for policymakers and practitioners in enhancing financial access.
Analysis of the Impact of Cash Management on Liquidity in the F&B Sector of MSMEs in Bandung Caturadina Darnida, Yondi
Journal of Management Vol. 4 No. 2 (2025): July - December
Publisher : Yayasan Pendidikan Belajar Berdikari

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This study aims to examine the impact of Cash Management on Liquidity in Micro, Small, and Medium Enterprises (MSMEs) operating in the Food and Beverage (F&B) sector in Bandung City, while investigating the moderating effect of Product Type. The investigation employed a quantitative methodology, using simple linear regression analysis techniques for Model 1, and multiple linear regression for Model 2, which incorporates interaction variables. The findings show that Cash Management exerts a positive and statistically significant influence on Liquidity, as evidenced by the R Square value of 0.363. In addition, the inclusion of the interaction variable of Cash Management and Product Type in Model 2 resulted in an increased R-Square value of 0.420, thus reflecting the increased capacity of the model to explain variations in Liquidity. The interaction variable of Cash Management with Product Type was also shown to have a significant effect, thus strengthening the relationship between Cash Management and Liquidity. Based on these findings, it can be concluded that proficient cash management is critical to improving the liquidity of F&B MSMEs. Moreover, the nature of the products sold serves to moderate this relationship; consequently, it is important for cash management strategies to be tailored to the specific attributes of the products. This research provides practical contributions to MSMEs by facilitating the optimization of their financial management practices.
Co-Authors Haryono, Andri Nurriqli, Arifia