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All Journal eCo-Buss Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Ekonomi dan Bisnis
Rita Rosalina
Universitas Islam Sultan Agung
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Role of Financial Literacy in Moderating the Influence of Fintech and Financial Inclusion on Financial Performance Khansa Shabihah; Mutamimmah Mutamimmah; Rita Rosalina; Dedi Rusdi; Ahmad Salim
eCo-Buss Vol. 8 No. 1 (2025): eCo-Buss
Publisher : Komunitas Dosen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32877/eb.v8i1.2555

Abstract

Micro, small, and medium-sized businesses (MSMBs) are crucial for boosting community economic empowerment and job creation.  Unfortunately, many players in the MSME sector struggle with good financial management due to even a simple lack of knowledge about financial reporting.  In this study, we aim to analyze how fintech and financial inclusion affect the financial performance of micro, small, and medium-sized enterprises (MSMEs), controlling for financial literacy as a moderating variable.  A quantitative explanatory research approach is utilized in this work.  Using a purposive sample technique, one hundred MSME players in the culinary sector of Semarang City were chosen.  The data was collected via secondary sources, surveys, and interviews conducted by the Central Java Provincial Cooperatives and MSMEs Office.  Moderated Regression Analysis (MRA) and multiple linear regression were employed for the data analysis.  The findings were reliable according to the traditional premise.  Financial inclusion (β = 0.171; p < 0.05) and financial performance (B = 0.289; p < 0.05) were both markedly enhanced by fintech, according to the study's findings.  The effect of financial literacy on financial success was stronger than that of fintech (B = 0.017; p < 0.05) and financial inclusion (B = 0.022; p < 0.05).  This research highlights the critical importance of financial literacy for MSMEs to maximize digital financial services.
Determinasi Faktor-Faktor Makroekonomi terhadap Indeks Harga Saham Gabungan Ibnu Refinaldi; Muhammad Jafar Shodiq; Rita Rosalina
Surplus: Jurnal Ekonomi dan Bisnis Vol. 4 No. 2 (2026): Januari-Juni 2026
Publisher : Yayasan Pendidikan Tanggui Baimbaian

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71456/sur.v4i2.1800

Abstract

Pasar modal menjadi indikator utama kesehatan ekonomi, dengan Indeks Harga Saham Gabungan (IHSG) sektor pertambangan mengalami volatilitas pasca-COVID-19 akibat fluktuasi komoditas global dan pelemahan rupiah. Studi sebelumnya menunjukkan inkonsistensi pengaruh makroekonomi, meninggalkan celah analisis simultan periode 2020-2025. Penelitian ini bertujuan menganalisis pengaruh parsial dan simultan inflasi (X1), nilai tukar rupiah (X2), harga minyak dunia (X3), dan harga emas dunia (X4) terhadap IHSG sektor pertambangan. Menggunakan desain kuantitatif time-series explanatory, penelitian memanfaatkan data sekunder bulanan (72 observasi) dari BEI, Bank Indonesia, dan sumber internasional sebagai populasi dan sampel purposive. Analisis data mencakup statistik deskriptif, uji asumsi klasik, regresi linear berganda, uji F, uji t, koefisien determinasi, dan uji beda rata-rata via SPSS 27. Hasil menunjukkan semua variabel berpengaruh signifikan secara simultan terhadap IHSG (F=105.829, Sig.=0.000; R²=0.863), dengan pengaruh parsial positif dari inflasi (β=14708.895, Sig.=0.000), harga minyak (β=0.002, Sig.=0.000), dan harga emas (β=0.00006, Sig.=0.000), serta negatif dari nilai tukar (β=-0.264, Sig.=0.002). Simpulan menyatakan faktor-faktor ini menjelaskan 86,3% variasi IHSG, memberikan panduan investasi dan kebijakan di tengah dinamika pasca-pandemi.
THE ROLE OF ZAKAT FOR POVERTY ALLEVIATION IN INDONESIA : BIBLIOGRAPHIC STUDY Zainal Alim Adiwijaya; Rita Rosalina
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 10 No 1 (2026): Edisi Januari - April 2026
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v10i1.7376

Abstract

Poverty is one of the main problems that occurs in developing countries, including Indonesia. This research tries to describe poverty alleviation in developing countries through the role of zakat from Scopus-indexed journals and accredited journals in Indonesia that represent rural areas in Indonesia. Samples were obtained from 10 articles discussing zakat for poverty alleviation. The author classifies these articles based on research topics, methods, and models. The topic of zakat antecedents is a topic that has been widely studied. The analytical method and modified Jones accrual model are the most popular models used because this model is considered the most appropriate for measuring the role of zakat in poverty alleviation compared to other models. Through zakat, it is expected that the economy will develop further, and the problem of poverty can gradually be resolved
Co-Authors Ahmad Salim Dedi Rusdi, SE,MSi,Akt Ibnu Refinaldi Khansa Shabihah Muhammad Jafar Shodiq Mutamimmah Mutamimmah Zainal Alim Adiwijaya