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A Model for Improving MSME Competitiveness and Performance: The Impact of Digital Marketing, Product Innovation, and Market Orientation in The Creative Industry Sector in Southwest Sumba Regency Merlyn Kurniawati; Yuri Sandra Faah; Efandri Agustian; Familya Maria D.L. Moensaku
Dinasti International Journal of Education Management and Social Science Vol. 7 No. 2 (2025): Dinasti International Journal of Education Management And Social Science (Decem
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijemss.v7i2.5737

Abstract

The existence of creativity-based MSMEs has significant potential for creating jobs, encouraging innovation and entrepreneurship, increasing regional income, strengthening local cultural identity, and contributing to overall economic growth through the utilization of human resources and creative ideas. The increasing number of MSMEs operating in the creative industry sector inevitably creates increasingly fierce competition. MSMEs must be able to improve their competitiveness and business performance through product innovation, marketing digitalization, and effective market orientation. The purpose of this study is to develop a model for improving the competitiveness and performance of MSMEs in the creative industry sector in Southwest Sumba Regency, East Nusa Tenggara, through three main constructs: digital marketing, product innovation, and market orientation. Data analysis was conducted using descriptive qualitative methods by systematically compiling data/information obtained from field research in the form of interviews, field notes, and documentation. The data was organized into categories to facilitate analysis. The research informants consisted of creative industry business actors, local government officials, and digital marketing practitioners. The research results show that the creative industry in Southwest Sumba Regency has superior potential, especially in the craft sub-sector (woven fabrics, handicrafts, and jewelry made from beads and metal), which combines local cultural values ​​with commercial aesthetics. However, business actors face challenges in expanding markets, improving product quality, and adopting effective digital marketing strategies. Adopting digital marketing and product innovation, combined with a strong market orientation, can improve the competitiveness and performance of MSMEs in Southwest Sumba Regency.
Strategi Pengelolaan Keuangan Keluarga Berpenghasilan Tidak Tetap dalam Menghadapi Financial Stress di Kecamatan Lamba Leda Selatan Maria Yolantia Sajung; Petrus E. de Rozari; Efandri Agustian; Wehelmina M. Ndoen
JUMANJI (JURNAL MANAJEMEN JAMBI) Vol. 9 No. 1 (2026): JUMANJI (JURNAL MANAJEMEN JAMBI)
Publisher : Fakultas Hukum dan Ekonomi Bisnis

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Abstract

This study aims to describe the level of financial stress and financial management strategies employed by families with irregular incomes in Bangka Pau Village, South Lamba Leda District. A mixed-methods approach was used, collecting quantitative data through questionnaires and qualitative data through in-depth interviews. The results indicate that families' financial stress levels are high, primarily due to seasonal income uncertainty, fluctuations in the prices of basic necessities, and significant social and customary obligations. Facing these challenges, families employ simple financial management strategies, such as planning daily expenses, cutting non-priority expenses, and prioritizing basic needs and education costs. Furthermore, families rely on secondary income and social support through customary mechanisms such as arisan (social gatherings) and assistance from relatives. These findings suggest that families' financial adaptation strategies focus more on short-term sustainability and fulfilling customary obligations that cannot be postponed.
Pengaruh Uang Saku, Pendidikan Keuangan Keluarga dan Gaya Hidup Terhadap Pengelolaan Keuangan Pribadi Melalui Literasi Keuangan sebagai Variabel Intervening Maria Fatima Yosefa; Christien C. Foenay; Chrispy Theresia Pratiwi Daud; Efandri Agustian
JUMANJI (JURNAL MANAJEMEN JAMBI) Vol. 9 No. 1 (2026): JUMANJI (JURNAL MANAJEMEN JAMBI)
Publisher : Fakultas Hukum dan Ekonomi Bisnis

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Abstract

Along with rapid economic development and growth accompanied by technological advances in the digital era, financial understanding is increasingly needed by both individuals and society. An understanding of financial management can serve as a foundation for managing personal finances. Based on this background, this study aims to examine and analyze the effect of allowance, family financial education, and lifestyle on personal financial management, with financial literacy as an intervening variable. This study employs a quantitative approach. The sample consists of 84 respondents who are boarding house students living in RT 17, Penfui Timur Village. The sampling technique used in this study is the Slovin formula. The data analysis technique applied is PLS-SEM (Partial Least Square–Structural Equation Modeling). Data processing was carried out using SmartPLS 4.0 software. The results of this study indicate that allowance has a positive and significant effect on the personal financial management of boarding house students, with a P-value of (0.021). Family financial education also has a positive and significant effect on personal financial management, with a P-value of (0.019). Lifestyle does not have a significant effect on personal financial management, with a P-value of (0.372). Allowance does not have a significant effect on financial literacy, with a P-value of (0.305). Family financial education does not have a significant effect on financial literacy, with a P-value of (0.069). Lifestyle does not have a significant effect on financial literacy, with a P-value of (0.069). Financial literacy has a positive and significant effect on personal financial management, with a P-value of (0.000). Allowance does not have a significant effect on personal financial management when mediated by financial literacy, with a P-value of (0.302). Family financial education does not have a significant effect on personal financial management when mediated by financial literacy, with a P-value of (0.068). Lifestyle does not have a significant effect on personal financial management when mediated by financial literacy, with a P-value of (0.437).
Transformasi ekonomi kelompok tani perempuan “Iye Ape Satu Hati” melalui implementasi strategi pemasaran hasil tani berbasis digital Donal Anry Jaya Sinurat; Efandri Agustian; Chrispy Theresia Pratiwi Daud; Dyah Wahyu Nastiti; Darwin Zebua; Hardo Aprilio; Midian Immanuel Sihombing
SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Vol 10, No 2 (2026): April
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jpmb.v10i2.38870

Abstract

AbstrakKegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan kapasitas dan mendorong transformasi ekonomi Kelompok Tani Perempuan “Iye Ape Satu Hati” melalui implementasi strategi pemasaran hasil tani berbasis digital. Permasalahan utama yang dihadapi kelompok adalah keterbatasan dalam pemasaran produk, khususnya rendahnya pemanfaatan media digital. Metode pelaksanaan kegiatan menggunakan pendekatan partisipatif yang meliputi tahapan identifikasi kebutuhan, pelatihan pemasaran digital, implementasi strategi, pendampingan intensif, serta monitoring dan evaluasi. Hasil kegiatan menunjukkan adanya peningkatan pengetahuan dan keterampilan anggota dalam memanfaatkan media sosial sebagai sarana pemasaran. Selain itu, terjadi perubahan perilaku anggota dalam melakukan promosi secara lebih aktif, peningkatan frekuensi pemasaran, serta adanya indikasi peningkatan penjualan hasil tani. Implementasi strategi pemasaran digital juga berkontribusi terhadap perluasan akses pasar dan peningkatan peluang ekonomi kelompok. Dengan demikian, integrasi teknologi digital dalam pemasaran hasil tani terbukti efektif dalam mendorong kemandirian ekonomi kelompok tani perempuan. Kata kunci: pemasaran digital; kelompok tani perempuan; pemberdayaan masyarakat; transformasi ekonomi; hasil tani. AbstractThis community service activity aims to enhance capacity and promote economic transformation of the Women Farmer Group “Iye Ape Satu Hati” through the implementation of digital-based agricultural marketing strategies. The main problem faced by the group is limited marketing capability, particularly the low utilization of digital media. The method used a participatory approach consisting of several stages, including needs assessment, digital marketing training, strategy implementation, intensive mentoring, as well as monitoring and evaluation. The results indicate an improvement in members’ knowledge and skills in utilizing social media as a marketing tool. In addition, there is a behavioral change in conducting more active promotion, increased marketing frequency, and indications of increased sales of agricultural products. The implementation of digital marketing strategies also contributes to expanding market access and enhancing economic opportunities for the group. Therefore, the integration of digital technology in agricultural marketing is proven to be effective in supporting the economic independence of women farmer groups. Keywords: digital marketing; women farmer group; community empowerment; economic transformation; agricultural products.
ANALISIS PENGELOLAAN KEUANGAN USAHA MIKRO KECIL DAN MENENGAH (UMKM) DI KELURAHAN FATUBESI KECAMATAN KOTA LAMA KOTA KUPANG Indri Yani Safitri; Wehelmina M Ndoen; Yuri S Faah; Efandri Agustian
GLORY Jurnal Ekonomi dan Ilmu Sosial Vol 7 No 3 (2026): GLORY Jurnal Ekonomi dan Ilmu Sosial
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70581/glory.v7i3.25549

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Penelitian ini bertujuan untuk menganalisis dan mendeskripsikan bagaimana pengelolaan keuangan yang diterapkan oleh pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) di Kelurahan Fatubesi, Kecamatan Kota Lama, Kota Kupang. Pendekatan penelitian yang digunakan adalah pendekatan kualitatif deskriptif dengan teknik pengumpulan data melalui wawancara, observasi, dan dokumentasi. Informan dalam penelitian ini terdiri dari pelaku UMKM di sektor mebel dan kuliner yang beroperasi di wilayah tersebut. Hasil penelitian menunjukkan bahwa sebagian besar pelaku UMKM di Kelurahan Fatubesi belum menerapkan pengelolaan keuangan secara optimal. Pencatatan keuangan masih dilakukan secara sederhana, bahkan beberapa pelaku usaha belum memisahkan keuangan pribadi dan usaha. Perencanaan dan pengendalian keuangan dilakukan berdasarkan pengalaman dan kebutuhan harian tanpa perhitungan yang sistematis. Namun demikian, pelaku usaha telah memiliki kesadaran akan pentingnya pengelolaan keuangan dalam menjaga keberlangsungan usaha. Penelitian ini menyimpulkan bahwa peningkatan pemahaman dan kemampuan pelaku UMKM dalam pengelolaan keuangan sangat diperlukan agar usaha dapat berkembang secara berkelanjutan. Diperlukan pula dukungan dari pemerintah dan lembaga terkait melalui pelatihan serta pendampingan dalam hal pencatatan dan perencanaan keuangan usaha. Kata Kunci : Pengelolaan Keuangan, UMKM, Mebel, Kuliner, Kelurahan Fatubesi
Pengaruh Kompetensi, Budaya Organisasi dan Lingkungan Kerja terhadap Kepuasan Kerja Karyawan pada Glory Ocean Lines Medan Hutapea, Jonathan Herman; Hendry, Hendry; Johan, Johan; Antar Eli Gulo; Michael Chandra; Efandri Agustian
Journal of Management and Bussines (JOMB) Vol. 8 No. 3 (2026): Journal of Management and Bussines (JOMB)
Publisher : IPM2KPE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/feezrc23

Abstract

This study aims to analyze the influence of competency, organizational culture, and work environment on employee job satisfaction at PT. Glory Ocean Lines Medan, both partially and simultaneously. The research method used is quantitative research with an explanatory research approach. The study population was 61 employees, and the entire population was used as the research sample. Data collection was conducted through questionnaires, interviews, and documentation. While data analysis used multiple linear regression analysis assisted by the SPSS program version 26, which includes the coefficient of determination test, F test, and t test. The results showed that competency has a positive and significant effect on employee job satisfaction with a calculated t value of 3.247 and a significance of 0.002, organizational culture has a positive and significant effect on employee job satisfaction with a calculated t value of 2.269 and a significance of 0.027, and the work environment has a positive and significant effect on employee job satisfaction with a calculated t value of 2.681 and a significance of 0.010. Simultaneously, competency, organizational culture, and the work environment have a positive and significant effect on employee job satisfaction, with a calculated F-value of 20.165 and a significance level of 0.000. The Adjusted R-Square value of 0.489 indicates that competency, organizational culture, and the work environment explain 48.9% of the variation in employee job satisfaction, while well-being is influenced by other factors outside the study, accounting for 51.1%. The conclusion of this study indicates that improving competency, organizational culture, and a conducive work environment can improve employee job satisfaction at PT. Glory Ocean Lines Medan.  Keywords: Organizational Culture, Job Satisfaction, Work Environment, Human Resources
ANALISIS STRATEGI PENGELOLAAN KEUANGAN PEDAGANG SAYUR DI PASAR TRADISIONAL BOAWAE, KABUPATEN NAGEKEO DALAM MENINGKATKAN PENDAPATAN Maria Theresia Wea; Wehelmina M Ndoen; Darwin Zebua; Efandri Agustian
GLORY Jurnal Ekonomi dan Ilmu Sosial Vol 7 No 4 (2026): GLORY Jurnal Ekonomi dan Ilmu Sosial
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70581/glory.v7i4.27109

Abstract

Penelitian ini bertujuan untuk mengidentifikasi dan menganalisis penerapan strategi pengelolaan keuangan yang meliputi perencanaan, pencatatan, pelaporan, dan pengendalian oleh pedagang sayur di Pasar Tradisional Boawae, Kabupaten Nagekeo. Selain itu, penelitian ini juga mengkaji dampak dari pengelolaan tersebut serta merumuskan rekomendasi strategi yang lebih efisien untuk meningkatkan pendapatan pedagang. Metode penelitian yang digunakan adalah deskriptif kualitatif dengan pendekatan survei lapangan. Data dikumpulkan melalui observasi dan wawancara mendalam terhadap 10 orang informan pedagang sayur. Hasil penelitian menunjukkan bahwa sebagian besar pedagang sayur (7 dari 10 informan) telah menerapkan praktik pengelolaan keuangan meskipun dalam bentuk yang sangat sederhana dan manual. Pengelolaan keuangan yang dilakukan cenderung bersifat survival management (manajemen bertahan hidup) yang fokus pada pemenuhan kebutuhan harian dan keberlanjutan modal usaha jangka pendek. Temuan utama mengungkapkan bahwa pedagang yang melakukan perencanaan dan pemisahan keuangan usaha dengan pribadi cenderung memiliki pendapatan yang lebih stabil dan mampu mengembangkan usaha sampingan. Namun, hambatan utama yang ditemukan adalah kurangnya pengetahuan akuntansi formal dan anggapan bahwa pencatatan keuangan yang rinci terlalu rumit untuk skala usaha kecil. Penelitian ini merekomendasikan edukasi mengenai pencatatan transaksi sederhana dan pentingnya dana darurat usaha untuk memperkuat resiliensi pedagang terhadap fluktuasi harga pasar. Kata Kunci : Strategi Pengelolaan Keuangan, Pedagang Sayur, Pasar Tradisional, Pendapatan, Usaha Mikro Kecil (UMK)
Sharpe vs Treynor: Strategies for evaluating stock portfolio performance on the Indonesian Stock Exchange Thersia M M Da Silva; Petrus E de Rozari; Darwin Zebua; Efandri Agustian
Journal of Management Small and Medium Enterprises (SMEs) Vol 19 No 2 (2026): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v19i2.26171

Abstract

This study investigates whether the Sharpe Ratio and Treynor Ratio produce significantly different portfolio performance rankings in the Indonesian stock market. A quantitative research design was employed using a sample of 11 large-capitalization companies representing each IDX-IC sector listed on the Indonesia Stock Exchange during the 2020–2024 period. An optimal portfolio was constructed under a 0%–30% asset allocation constraint, and portfolio performance was assessed using the Sharpe Ratio and Treynor Ratio. Differences in portfolio rankings were examined through descriptive, comparative, and paired t-test analyses. The optimized portfolio generated an expected return of 74.60%, with a Sharpe Ratio of 5.60 and a Treynor Ratio of 0.0697. The paired t-test yielded a p-value of 0.331, indicating no statistically significant difference between the rankings produced by the two performance measures. These findings suggest that, for well-diversified portfolios in which unsystematic risk has been effectively diversified away, the Sharpe Ratio and Treynor Ratio provide comparable assessments of investment performance. This study extends the evidence on risk-adjusted portfolio evaluation in an emerging market context and provides practical implications for investors and portfolio managers in selecting appropriate performance measurement approaches. Keywords: Sharpe Ratio; Treynor Ratio; Portofolio Performance; Indonesian Stock Exchange
Analysis of social capital in increasing the income of business actors in the Oebobo traditional market, Kupang City Humbelina Sintia Putri Tael; Petrus E de Rozari; Chrispy Theresia P Daud; Efandri Agustian
Journal of Management Small and Medium Enterprises (SMEs) Vol 19 No 2 (2026): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v19i2.26930

Abstract

This study aims to analyze the forms, roles, and supporting and constraining factors of social capital in improving the income of business owners at Oebobo Traditional Market, Kupang City. A qualitative descriptive approach was employed using survey methods, with data collected through direct observation and Focus Group Discussions (FGDs) involving traders from the fish, meat, vegetable, and fruit sectors. The analysis focused on three dimensions of social capital: trust, social networks, and social norms. The findings reveal that the market is characterized by survival-oriented social capital, in which long-established trust and strong social solidarity facilitate business continuity. However, social capital remains limited in fostering strategic collaboration, institutional linkages, and market expansion. Rather than substantially increasing income, social capital primarily functions to stabilize cash flow, reduce transaction costs through trusted information exchange, and protect traders' reputations. Long-term trust with suppliers and efficient informal information networks emerged as the main enabling factors, while individualistic competition, weak relationships with government institutions, and the risk of unpaid debts arising from cultural reluctance to enforce payment obligations were identified as major constraints. These findings contribute to the social capital literature by demonstrating that, within traditional market settings, social capital is more effective in sustaining business resilience than in driving income growth or business expansion. They also highlight the need to strengthen institutional networks and collaborative market governance to enhance the economic benefits of social capital. Keywords: Social Capital; Business Income; Oebobo Market; Trust; Networks; Norms
Efektivitas Bantuan Pemerintah Melalui Akses Permodalan Bank 9 Jambi Dalam Upaya Peningkatan Kinerja UMKM Menuju Digitalisasi Mulia Inda Purwati; Evrina Evrina; Efandri Agustian; Indah Mutiara
Jurnal Ekonomi Manajemen Sistem Informasi Vol. 6 No. 2 (2024): Jurnal Ekonomi Manajemen Sistem Informasi (November - Desember 2024)
Publisher : Dinasti Review

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jemsi.v6i2.3122

Abstract

Usaha mikro kecil dan menengah (UMKM), merupakan salah satu kekuatan pendorong terdepan dalam pembangunan ekonomi. UMKM memegang peranan yang cukup signifikan dalam perekonomian. Kontribusi UMKM dalam perekonomian sangat tinggi, dalam laporan Menteri Keuangan tahun 2022, kontribusi UMKM lebih dari 50% lapangan pekerjaan di seluruh dunia. Di negara berkembang, UMKM formal berkontribusi sekitar 40% dari Produk Domestik Bruto (PDB). Masalah akses permodalan yang sulit menjadi hambatan bagi pertumbuhan dan perkembangan UMKM. Beberapa penelitian menunjukkan tentang berbagai masalah yang dihadapi yaitu antara lain adanya persyaratan penjaminan serta sulitnya adminitrasi dalam peminjaman modal. Stimulus yang dibuat oleh Pemerintah Provinsi Jambi melalui Bank 9 Jambi dengan memberikan bantuan KUR yang “mudah, murah dan cepat” telah membuat peningkatan pinjaman yang dilakukan oleh pelaku UMKM. Sehingga permasalahan berikutnya adalah, apakah kemudahan pinjaman tersebut sudah efektif untuk mendukung kinerja dan perkembangan UMKM menuju digitalisasi. Pemerintah sebagai katalisator harus melakukan upaya dalam mempercepat peningkatan dan perkembangan UMKM menuju Digitalisasi. Tujuan penelitian ini adalah untuk melihat bagaimana efektivitas akses permodalan Bank 9 Jambi dalam Upaya peningkatan kinerja dan perkembangan UMKM Kota Jambi. Urgensi penelitian ini penting, dimana ditemukan sebuah kesimpulan dan Solusi bagi skema akses permodalan yang merupakan bantuan Pemerintah dalam mendukung kinerja UMKM. Hasil penelitian ini mendapatkan temuan bahwa pembiayaan Bank 9 Jambi yang diberikan sangat efektif dalam meningkatkan kinerja UMKM yang telah menjadi nasabahnya. Selain itu pembiayaan Bank 9 Jambi berhasil membantu para UMKM dalam memenuhi kebutuhan lainnya tanpa mengesampingkan prinsip kepercayaan dan amanah yang mereka terima.
Co-Authors A Rozi A. Rozi Abdulloh Faqih Satrio Wibowo Ade Try Pratama Adria Wuri Lastari Agra Alan Yulianza Amtiran, Paulina Y Anggraeni Natasya Dethan Anjelina Marici Dedu Antar Eli Gulo Apriana H.J Fanggidae Apriana H.J. Fanggidae Aprilio, Hardo Cheny Sanggryla Babu Dao Chrispy Theresia P Daud Chrispy Theresia P. Daud Chrispy Theresia Pratiwi Daud Christien C. Foenay Da Lopez, Viktorianus Mahendra Darwin Zebua Daud, Chrispy Theresia Pratiwi de Rozari, Petrus E. Dewi Riastawaty Dhae, Yosefina K. I. D. D. Djehamat, Lazarus Donal Anry Jaya Sinurat Dyah Wahyu Nastiti Eka Julianti Efris Saputri Elbertus Ranse Panshar Elfiandi Eunike M. Gegung Evrina Familya Maria D.L. Moensaku Fa’ah, Yuri S. Hendry Hillary Stefany Tallo Hilnicputro, Wizaldy Fabiano Humbelina Sintia Putri Tael Hutapea, Jonathan Herman I Nyoman Arya Wiguna Indah Mutiara Indri Yani Safitri Johan Johan Kanisha Noviana Devani Kiki Helencia Lestari, Adria Wuri Lia Nur Fadhilah Lia Nurfadhilah Liona Efrina S Lisa Lestari M. Arjun Mahendra Da Lopez, Viktorianus Maria Fatima Yosefa Maria Theresia Wea Maria Yolantia Sajung Marisi Marisi Marisi Marisi, Marisi Marshanda Irnel Cantika Nara Kaha Melda Gusmirayanti Merlyn Kurniawati Merlyn Kurniawati Michael Chandra Midian Immanuel Sihombing Minarni Anaci Dethan Mulia Inda Purwati Mulia Inda Purwati Nabilla Shafanah Indirawaty Ndoen, Wehelmina M. Neno, Marianus S. Ni Putu Nursiani Oktavianye Eka Putri Huky Panggabean, Marisi Patricia Clarissa Whitney Kabosu Petrus E de Rozari Petrus E. de Rozari Pramita hadi, Anggun Rahmat Angga Dwi Putra Ranisania Arianda Djaha Raya Sulistyowati Ridho Ilahi Rona Indara Sihombing, Midian Immanuel Sihombing Soraya Yuslani Eoh Sri Mulyani Sri Mulyani Thersia M M Da Silva Wehelmina M. Ndoen Welhelmina M. Ndoen Wilhelmus Giovanni Meak WULANDARI Wuri Lastari, Adria Yudika Putra Koten Yuni Andriani Yuri S Faah Yuri S Faah Yuri Sandra Fa'ah Yuri Sandra Faah