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The Influence Of Financial Literacy And Financial Technology On The Financial Performance Of Msmes: A Study on MSMEs in West Jakarta Isfandiari M Bahanan; Maman Sulaeman
International Journal of Economics, Business and Innovation Research Vol. 5 No. 03 (2026): International Journal of Economics, Business and Innovation Research( IJEBIR)
Publisher : Cita konsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijebir.v5i03.3157

Abstract

This study aims to examine the effect of financial literacy and financial technology on the financial performance of Micro, Small, and Medium Enterprises (MSMEs) in West Jakarta. A quantitative survey method was applied. The population comprised 38,240 registered MSMEs in West Jakarta. Using the Slovin formula with an 8% margin of error, 150 respondents were selected through proportionate stratified random sampling. Data were collected via a five-point Likert scale questionnaire and analyzed using multiple linear regression with SPSS 26.0. The t-test results show that financial literacy has a positive and significant effect on financial performance (beta = 0.412; t = 6.149; sig. = 0.000), and financial technology also has a positive and significant effect (beta = 0.368; t = 5.183; sig. = 0.000). The F-test yields F = 48.621 (sig. = 0.000), confirming simultaneous significance. The coefficient of determination (R²) is 0.397, indicating that 39.7% of MSME financial performance variation is explained by both variables. This study recommends enhanced financial literacy education and accelerated digital financial technology adoption among MSMEs in West Jakarta
Beyond Product: Strategi Sensory Marketing Dalam Meningkatkan Sustainable Competitive Advantage Pada UMKM Ade Permata Surya; Septiani Juniarti; Isfandiari M Bahanan
jurnal ABDIMAS Indonesia Vol. 4 No. 2 (2026): Agustus: Jurnal ABDIMAS Indonesia
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jai.v4i2.3780

Abstract

Most Micro, Small, and Medium Enterprises (MSMEs) still focus primarily on the functional aspects of their products and have not fully utilized customer experience as a marketing strategy. This Community Service Program aimed to enhance the knowledge and skills of MSME owners in implementing sensory marketing. The program was conducted on May 7, 2026, at RPTRA Nusa Indah, Meruya Utara, West Jakarta, involving 33 MSME participants from various business sectors. The methods employed included seminars, training sessions, interactive discussions, and mentoring on the application of visual, auditory, olfactory, gustatory, and tactile marketing. The results indicated an improvement in participants’ understanding of the importance of sensory experiences in influencing consumer perceptions and purchase decisions. Evaluation results showed an average participant satisfaction score of 3.12 out of 4.00, equivalent to a satisfaction rate of 78.0%, with the highest score recorded for overall satisfaction at 3.30. Participants also demonstrated strong enthusiasm through active engagement in discussions and question-and-answer sessions. These findings suggest that the program was relevant, beneficial, and capable of providing new insights for MSME owners in developing more competitive marketing strategies. Sebagian besar pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) masih berfokus pada aspek fungsional produk dan belum memanfaatkan pengalaman pelanggan sebagai strategi pemasaran. Kegiatan Pengabdian kepada Masyarakat (PkM) ini bertujuan meningkatkan pemahaman dan keterampilan pelaku UMKM dalam menerapkan sensory marketing. Kegiatan dilaksanakan pada 7 Mei 2026 di RPTRA Nusa Indah, Kelurahan Meruya Utara, Jakarta Barat, dengan melibatkan 33 pelaku UMKM dari berbagai sektor usaha. Metode yang digunakan meliputi seminar, pelatihan, diskusi interaktif, dan pendampingan terkait penerapan visual, auditory, olfactory, gustatory, dan tactile marketing. Hasil kegiatan menunjukkan adanya peningkatan pemahaman peserta mengenai pentingnya pengalaman sensorik dalam memengaruhi persepsi dan keputusan pembelian konsumen. Evaluasi kegiatan menunjukkan rata-rata skor kepuasan peserta sebesar 3,12 dari skala 4 atau setara dengan 78,0%, dengan nilai tertinggi pada aspek kepuasan keseluruhan sebesar 3,30. Peserta juga menunjukkan antusiasme tinggi melalui partisipasi aktif dalam diskusi dan sesi tanya jawab. Hasil ini menunjukkan bahwa kegiatan dinilai relevan, bermanfaat, dan mampu memberikan wawasan baru bagi pelaku UMKM dalam mengembangkan strategi pemasaran yang lebih kompetitif.