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All Journal International Journal of Multidisciplinary Reseach
Wiranta
Universitas Pelita Bangsa
Computer Science & IT Economics, Econometrics & Finance Education Engineering Social Sciences

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BUSINESS PLAN PREPARATION STRATEGY FOR STARTING A NEW BUSINESS: LITERATURE REVIEW Dini Salamah; Sarah sitynuraeny; Monica Tsani Octavia; Wiranta
International Journal of Multidisciplinary Reseach Vol. 2 No. 2 (2026): April
Publisher : International Journal of Multidisciplinary Reseach

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Abstract

A business plan is a strategic document that helps business founders translate business ideas into operational, marketing, funding, and performance control directions. This article aims to analyze business plan development strategies for starting a new business through a literature review. The study results indicate that an effective business plan must be developed in stages, starting with problem and market validation, competitor analysis, selecting an appropriate plan format, developing a marketing strategy and revenue model, creating realistic financial projections, and adjusting to legal structures and funding needs. The literature also shows that business plans tend to have a positive impact on new venture development, but the benefits are strongest when planning is combined with market learning and ongoing revision, rather than treated as a rigid document (Delmar & Shane, 2003; Brinckmann, Grichnik, & Kapsa, 2010). Thus, a good business plan serves not only as an administrative requirement, but as a living, adaptive , and data -driven decision-making tool.
THE INFLUENCE OF FINANCIAL LITERACY ON INDIVIDUAL FINANCIAL MANAGEMENT PATTERNS Sultan Albani Toha; Erlangga Mulya Lesmana; Daffa Tris Sriprasta; Wiranta
International Journal of Multidisciplinary Reseach Vol. 2 No. 2 (2026): April
Publisher : International Journal of Multidisciplinary Reseach

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Financial literacy has become an essential competency in modern society, particularly in an era characterized by rapid technological advancement and increasing access to financial services. Individuals are now exposed to various financial products such as digital banking, online investments, and instant credit facilities. While these developments provide convenience, they also require individuals to possess adequate financial knowledge and skills to manage their financial resources effectively. This study aims to analyze the influence of financial literacy on individual financial management behavior using a descriptive quantitative approach. The study utilizes secondary data derived from national surveys and relevant academic literature. The findings indicate that financial literacy plays a significant role in shaping financial behavior. Individuals with higher financial literacy tend to demonstrate better financial management practices, including budgeting, saving, and making informed financial decisions. Conversely, individuals with low financial literacy are more likely to engage in poor financial behaviors, such as excessive consumption, lack of financial planning, and inefficient use of financial services. The study concludes that improving financial literacy is crucial in enhancing financial well-being and promoting responsible financial behavior among individuals.
Co-Authors Daffa Tris Sriprasta Dini Salamah Erlangga Mulya Lesmana Monica Tsani Octavia Sarah sitynuraeny Sultan Albani Toha