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All Journal Jurnal Keuangan dan Perbankan EKUITAS (Jurnal Ekonomi dan Keuangan)
Khoiriyah, Siti
Departemen Manajemen Fakultas Ekonomi Dan Bisnis Universitas Sebelas Maret Jl. Ir. Sutami No.36A Surakarta, 57126,
Economics, Econometrics & Finance

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HOW READY ARE PEOPLE FOR CASHLESS SOCIETY? Irwan Trinugroho; Hunik Sri Runing Sawitri; Muh Juan Suam Toro; Siti Khoiriyah; Arief Budi Santoso
Jurnal Keuangan dan Perbankan Vol 21, No 1 (2017): January 2017
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (559.07 KB) | DOI: 10.26905/jkdp.v21i1.1231

Abstract

Financial technology could be an effective tool to achieve financial inclusion. However, it neededa certain level of readiness of society. In this paper, we investigated the determinants of readinessin the implementation of digital financial services which led to cashless society. We did a surveyon 993 adults in a province in Indonesia using proportional sampling technique. Estimated usingordinary least square, our empirical results showed that readiness perception had high correlationwith the quality of supporting infrastructure. By taking into account some demographic factors,we found that more educated and younger people had high spirit to adopt this system. Evidenceshowed that men were more enthusiastic in using such technological-based system. However, wedid not find an evidence on the difference of readiness perception between those living in rural andthose living urban areas.
MENGAPA UKM GARMEN DI KABUPATEN KLATEN MAMPU BERTAHAN DI TENGAH PERSAINGAN PASAR BEBAS? Tulus Haryono; Siti Khoiriyah; Rum Handayani; Rara Sugiarti
EKUITAS (Jurnal Ekonomi dan Keuangan) Vol 1 No 4 (2017)
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya(STIESIA) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (0.057 KB) | DOI: 10.24034/j25485024.y2017.v1.i4.3662

Abstract

This study aims to investigate the determinants of Small and Medium Enterprises (SME) can be survive in this free trade era. Using purposive sampling, 100 small medium enterprises are involved as respondent. Descriptive statistic analysis is employed to analyze the research problem. The results indicate that 7P’s have significant effect as a SME’s strategy. The 7P’s strategies represents product, price, place, promotion, people, process, and philosophy. Meanwhile, policy and partner has no significant effect. The results of this study hold important implications for both practitioners and academics. The empirical findings from this study are expected to benefit the continued development of the garment market in Klaten. Possible implications of these results for firms’ marketing strategies and directions for future research are also discussed.
Co-Authors Hunik Sri Runing Sawitri Irwan Trinugroho Irwan Trinugroho Muh Juan Suam Toro Rara Sugiarti Rum Handayani Santoso, Arief Budi Tulus Haryono