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Muhammad Shaleh
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Jl. Prof. Dr. Baharuddin Lopa, S.H., Talumung, Majene, West Sulawesi
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INDONESIA
MANDAR: Management Development and Applied Research Journal
Published by Universitas Sulawesi Barat
ISSN : 27211436     EISSN : 26544504     DOI : -
Core Subject : Economy, Science, Social,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences
E-Jurnal Mandar (Online ISSN: 2654-4504) dan (Print ISSN: 2721-1436) adalah jurnal ilmiah elektronik yang diterbitkan online dua kali dalam setahun (setiap 6 Bulan). E-Jurnal Mandar bertujuan untuk meningkatkan kualitas ilmu pengetahuan dan menyalurkan minat berbagi dan penyebaran pengetahuan bagi para sarjana, mahasiswa, praktisi, dan pengamat sains dalam Ekonomi Manajemen. E-Jurnal Mandar menerima hasil studi dan artikel penelitian yang belum dipublikasikan di media lain. E-Jurnal Mandar (Management Development and Applied Research Journal) dikelola oleh Program Studi Manajemen Fakultas Ekonomi Universitas Sulawesi Barat dan diterbitkan oleh Universitas Sulawesi Barat.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 136 Documents
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The Impact of Financial Technology Development on Micro, Small, and Medium Enterprises in Ternate City Agatha Christy Situru; Zandy Zain; Hijrasil; Muhammad Alwi Hapri; Abi Suar
MANDAR: Management Development and Applied Research Journal Vol. 8 No. 2 (2026): June Period
Publisher : Universitas Sulawesi Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31605/mandar.v8i2.6431

Abstract

This study focuses on the impact of Financial Technology (fintech) developments on the performance and growth of Micro, Small, and Medium Enterprises (MSMEs) in Ternate City. The rapid advancement of fintech has brought changes to the business ecosystem, particularly regarding the ease of obtaining capital, the implementation of digital payment systems, and financial management practices among MSMEs. This study uses a quantitative method through a survey distributed to 120 MSMEs in Ternate City determined by purposive sampling technique. Data collection was carried out using a structured questionnaire, and data analysis was carried out using multiple linear regression using SPSS version 26 software. The independent variables in this study consist of the use of digital payment services (X1), access to fintech financing, and digital financial literacy, while the dependent variable is MSME performance which is assessed based on increased turnover, operational efficiency, and expansion of market reach. The findings of this study are expected to provide a comprehensive picture of the role of fintech adoption in supporting the development of MSMEs in Ternate City, while generating policy recommendations for the government and stakeholders to accelerate the digitalization of the economy at the local level
The Role of Product Innovation and Market Orientation on the Competitiveness of Micro Businesses in the Digital Economy Era in Kendari City Imran; Ridha Taurisma Lajaria; Grace Permatasari Tandipayuk
MANDAR: Management Development and Applied Research Journal Vol. 8 No. 2 (2026): June Period
Publisher : Universitas Sulawesi Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31605/mandar.v8i2.6478

Abstract

The transformation of the digital economy has changed the competitive landscape of micro enterprises by increasing market openness and the intensity of technology-based competition. In this context, product innovation and market orientation are seen as strategic factors that can strengthen the competitiveness of micro businesses. This study aims to analyze the influence of product innovation and market orientation on the competitiveness of micro businesses in the digital economy era. The study uses a quantitative approach with primary data obtained through a Likert scale questionnaire on 40 micro enterprises in Kendari City that have adopted digital marketing channels. The analysis was carried out using Structural Equation Modeling Partial Least Squares (SEM-PLS) to test the partial and simultaneous relationships between variables. The results show that product innovation and market orientation have a positive and significant effect on the competitiveness of micro enterprises, both individually and together, with a strong contribution of the model in explaining the variation in competitiveness. These findings confirm that the ability to develop products sustainably and responsiveness to the needs of digital consumers are the main determinants of competitive advantage at the micro business level. This research contributes to enriching the literature on strategic management and digital entrepreneurship and provides an empirical basis for the formulation of innovation-based and market-oriented MSME development strategies in the digital economy era
Work Engagement Mediating Job Demands Resources and MSME Performance in Makassar, Indonesia A. Nur Asri Ainun; Gempita; Ramli Hatma; Rayn Aqmar
MANDAR: Management Development and Applied Research Journal Vol. 8 No. 2 (2026): June Period
Publisher : Universitas Sulawesi Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31605/mandar.v8i2.6689

Abstract

This study examines the influence of job demands and job resources on the performance of Micro, Small, and Medium Enterprises (MSMEs) owners, with work engagement as a mediating variable. Understanding the factors that drive MSME performance is increasingly important, considering the strategic role of MSMEs in supporting regional economic growth and employment. However, empirical evidence regarding the applicability of the Job Demands–Resources framework in the MSME context remains limited, particularly in developing countries. This study employed a quantitative approach using a survey method involving 100 MSME owners in Makassar City. Data were analyzed using Partial Least Squares Structural Equation Modeling. The findings reveal that job resources positively contribute to MSME performance, whereas job demands do not significantly influence performance. Job resources were also found to affect work engagement, while job demands showed no significant relationship with work engagement. In addition, work engagement was found to influence MSME performance. Nevertheless, work engagement did not mediate the relationship between job demands and MSME performance, nor between job resources and MSME performance. These findings suggest that the availability of adequate work resources plays a more substantial role in enhancing MSME performance than the level of work demands faced by business owners. This study contributes to the development of the Job Demands–Resources theory within the MSME context and provides practical insights for policymakers and business development agencies in designing interventions aimed at strengthening MSME performance
The Paradox of Digital Financial Inclusion: Unpacking the Alternative Credit Scoring Gap for MSMEs in FinTech Lending Busrin Raihana Mas'ud; Fadlina; Kurniawan; Alliah Grace D. Gubangco
MANDAR: Management Development and Applied Research Journal Vol. 8 No. 2 (2026): June Period
Publisher : Universitas Sulawesi Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31605/mandar.v8i2.6784

Abstract

FinTech lending utilizes alternative credit scoring (ACS) based on digital footprints to expand financial inclusion for Micro, Small, and Medium Enterprises (MSMEs). However, this approach risks excluding marginalized MSMEs that lack extensive digital data. This study explores the paradoxical digital divide in MSME credit assessment and examines the potential of Accounting Information Systems (AIS) to bridge this gap. Employing a descriptive-exploratory qualitative approach, multiple case studies were conducted involving 15 MSME actors with varying digitalization levels in Parepare City, Indonesia. The findings reveal a "signal recognition gap": although most MSMEs possess adequate digital footprints and disciplined financial records, they still receive disproportionately low FinTech financing limits. Current FinTech algorithms appear to assess basic identity and loan history rather than actual business performance or structured accounting signals. Consequently, FinTech lending currently provides only "nominal inclusion" without substantive financial impact. Integrating AIS-generated financial reports into ACS algorithms is critical to provide accurate credit signals, mitigate information asymmetry, and achieve genuine financial inclusion for MSMEs
The Meaning of Self-Reward: A Phenomenological Exploration of Consumer Experiences in Everyday Consumption Nurul Haeriyah Ridwan; Asriyani Amrullah; Andi Reski Nurhikmah
MANDAR: Management Development and Applied Research Journal Vol. 8 No. 2 (2026): June Period
Publisher : Universitas Sulawesi Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31605/mandar.v8i2.6883

Abstract

The contemporary consumption landscape has shifted from merely fulfilling functional needs to symbolic and emotional experiences, within which the self-reward phenomenon has become a prominent practice. However, existing literature remains largely dominated by quantitative approaches that focus on behavioral antecedents, thereby providing a limited exploration of how consumers assign meaning to their lived experiences regarding self-reward. This research aims to explore the meaning of self-reward through the lens of consumer lived experiences in everyday consumption. This research involved eight informants in Makassar City, Indonesia, selected through purposive sampling. Data were collected through semi-structured in-depth interviews, non-participant observations, and relevant documentation. Data analysis reveals that self-reward is not merely a materialistic purchasing act but a multidimensional experiential practice. The findings identify key emerging dimensions, namely: Self-Appreciation, Emotional Restoration, Personal Achievement, Identity Affirmation, and Psychological Well-Being. Consumers construct the meaning of self-reward as an intrapersonal symbolic dialogue and a coping mechanism to restore emotional balance and negotiate identity amid the demands of modern life. This study contributes to consumer behavior literature by revealing that self-reward is constructed as an intrapersonal symbolic dialogue grounded in perceived deservingness and conscious reflection, through which consumers transform everyday consumption into a meaningful process of emotional restoration, identity affirmation, and psychological well-being. These findings provide practical implications for marketers to design ethical and meaningful consumption experiences that emphasize personal achievement rather than mere product acquisition
The Effect of Financial Literacy on Financial Management Behavior with Income, Lifestyle, and Education Level as Control Variables among Micro Entrepreneurs in Ternate Rusandry; Agatha Christy Situru; Zandy Pratama Zain; Mahardika Catur Putriwana Malik
MANDAR: Management Development and Applied Research Journal Vol. 8 No. 2 (2026): June Period
Publisher : Universitas Sulawesi Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31605/mandar.v8i2.6840

Abstract

This study aims to analyze the effect of financial literacy on financial management behavior, with income, lifestyle, and education level as control variables among micro-entrepreneurs in Ternate. This research employs a quantitative approach using a survey method through the distribution of questionnaires to respondents. The data analysis was conducted using the Statistical Package for the Social Sciences (SPSS) version 30 with multiple linear regression analysis. The results indicate that financial literacy has a positive and significant effect on financial management behavior, and that income, lifestyle, and education level as control variables also influence the financial management behavior of micro-entrepreneurs in Ternate. The results of this study emphasize that improving financial literacy should be a priority for micro entrepreneurs in Ternate. By improving their knowledge and skills in using technology and financial management, they can increase operational efficiency and competitiveness

Page 14 of 14 | Total Record : 136

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