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Antonio Nyoko
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Journal of Management - Small and Medium Enterprises (SME's)
Published by Universitas Nusa Cendana
ISSN : 25022385     EISSN : 2723469X     DOI : https://doi.org/10.35508/jom.v14i1
Core Subject : Economy,
Economics, Econometrics & Finance
Tujuan dari jurnal ini adalah mempublikasikan artikel hasil penelitian dan kajian pustaka yang ditulis oleh dosen, peneliti dan mahasiwa. Adapun lingkup topik dari jurnal ini adalah : 1. Manajemen Umum 2. Manajemen Pemasaran 3. Sumberdaya Manusia 4. Keuangan 5. Manajemen Operasi 6. Manajemen Pariwisata 7. Small and Medium Enterprise (UKM) 8. Kewirausahaan 9. Kebijakan Publik yang menyangkut fungsi-fungsi manajemen 10. Topik lainnya yang berhubungan dengan ekonomi dan akuntansi
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 736 Documents
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DETERMINANTS OF CREDIT RISK IN THE NIGERIAN BANKING INDUSTRY Ebenezer, Ariyibi Mayowa; Opubor, Efemena Emily; Enitan, Olowofela Olusola
Journal of Management Small and Medium Enterprises (SMEs) Vol 18 No 2 (2025): 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.v18i2.19807

Abstract

The deposit money banks are faced with the problem of credit risk, which occurs from their intermediary role in the economy, which is channeling customers’ deposits from the surplus sector to the deficit/productive sector to improve their performance and stimulate financial stability and growth. It is imperative to examine the internal and external factors that influence the credit risk component of the deposit money banks in Nigeria. This study examines the determinants of credit risk in the Nigerian banking industry. The secondary data was sourced from twelve deposit money banks listed on the Nigerian Stock Exchange Group from 2019 to 2023. The static regression analysis was employed to determine the inference of the objective. The findings from the fixed effect model revealed that board size, operating efficiency, bank size, gross domestic product growth rate, and unemployment rate have a significant effect on the non-performing loan ratio, while return on assets, board independence, loan-to-deposit ratio, debt-to-equity ratio, loan-to-total asset ratio, and inflation rate have an insignificant effect on the non-performing loan ratio. Therefore, it is recommended that deposit money banks in Nigeria integrate internal governance enhancements with macroeconomic stability, which is essential for effectively managing non-performing loans in Nigerian banks. Collaborative efforts between banks, regulators, and policymakers are critical to achieving sustainable credit risk management. Keywords: Credit Risk; Profitability; Liquidity; Corporate Governance; Macroeconomic
ANALYSIS OF THE STABILITY OF THE BURUNDIAN FINANCIAL SECTOR: APPLICATION OF THE POISSON MODEL Nsengiyumva, Théogène
Journal of Management Small and Medium Enterprises (SMEs) Vol 18 No 2 (2025): 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.v18i2.19939

Abstract

This study aimed to analyze the effects of Burundian banks' activities on the stability of the Burundian financial system. The data used in this study come from the Bank of the Republic of Burundi and cover the financing activity of Burundian banks for the period 2018 to 2023. By applying the fish model, the econometric results revealed highly interesting findings leading to economic policies to improve the stability of the Burundian financial sector. For illustration, the financing of short-term trade receivables has a positive effect on the stability of the Burundian financial sector, while export credit has a negative effect on the stability of the financial sector. These results reveal a low contribution from products originating in Burundi, thus contributing to the instability of the Burundian financial sector through the deterioration of the credit portfolio. To solve this problem, the Burundian government needs to put in place incentive policies aimed at developing the business sector so as to ensure not only production but also the processing of local products with high added value prior to export. Similarly, Burundian banks must comply with the prudential and non-prudential measures laid down by the central bank in order to improve the stability of the financial sector. To achieve this, Burundian banks need to design and implement more appropriate technology for exchanging borrower data in order to improve transparency and reduce fraud in credit transactions. Keywords : Financial Stability; Poisson's Law; Burundi
HUMAN RESOURCE IMPROVEMENT EFFORTS: EXPLORING THE ROLE OF COMMUNICATION SKILLS AND STRUCTURALISM IN JOB INTERVIEW SUCCESS Nugraha, Roni Setia; Fadlilani, Lailanisa; Renaldo, Zainal Arifin
Journal of Management Small and Medium Enterprises (SMEs) Vol 18 No 2 (2025): 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.v18i2.19981

Abstract

This study explores the influence of effective communication and structuralism on the readiness of Politeknik Caltex Riau (PCR) students in job interviews. While students excel in technical skills, they often struggle with verbal and non-verbal communication during interviews. Utilizing surveys and interviews with 184 final-year students, the research reveals that effective communication has no significant impact on job interview readiness, while structural factors such as social norms and cultural adaptation significantly affect preparedness. The results indicate that the combination of these factors accounts for 57.8% of students' readiness. This finding suggests that enhancing communication training and understanding of structural frameworks could improve students' job interview outcomes. The study provides valuable insights for curriculum development aimed at increasing employability skills for future graduates in a competitive job market. Keywords: Effective Communication; Structuralism; Job Interview; Human Resource Development
THE IMPACT OF ONLINE SALES AND QRIS ON UMKM INCOME WITH FINANCIAL LITERACY AS A MEDIATING VARIABLE: A STUDY OF CULINARY UMKMS IN MALANG CITY Mubarok, Muhammad Aunul; Purnamasari, Puji Endah
Journal of Management Small and Medium Enterprises (SMEs) Vol 18 No 2 (2025): 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.v18i2.19999

Abstract

This study aims to examine the impact of online sales and QRIS on the income of UMKMs in Malang City, with financial literacy as a mediating variable. The population of this study includes culinary UMKMs in Malang City, with a sample selected using random sampling from a total of 16,417 culinary UMKMs. The study used a quantitative approach and analyzed the data using PLS-SEM to evaluate the relationships between the variables. The findings indicate that both online sales and QRIS positively influence UMKM income, with financial literacy significantly mediating these relationships. The results suggest that integrating digital tools with financial literacy can enhance the financial performance of UMKMs. However, the study is limited to a specific sector in a single city, and future research could explore the long-term effects of digital tools on UMKM sustainability and evaluate additional factors influencing business performance in the digital economy. Keywords: Online Sales; QRIS; Financial Literacy
ANALYSIS OF THE REHABILITATION PROCESS AT WOMEN’S CORRECTIONAL FACILITY CLASS IIA TANGERANG Ayu, Meissy Dwi; Wibowo, Padmono
Journal of Management Small and Medium Enterprises (SMEs) Vol 18 No 1 - May (2025): JOURNAL OF MANAGEMENT (Special Issue) - Correctional Management
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to explore the implementation of inmate rehabilitation programs at Women’s Correctional Facility Class IIA Tangerang, identify challenges, evaluate the applied assessment system, and uncover the expectations of the inmates. Using a qualitative approach, data were obtained through in-depth interviews with inmates. Findings reveal that rehabilitation programs include practical skills training, personality development, and spiritual growth, fostering holistic development among inmates. However, challenges such as limited facilities, program relevance, and staff competency hinder optimal implementation. Program evaluations are deemed less transparent, though they significantly motivate inmates to improve. Inmates hope for improved facilities, more relevant programs, and a personalized approach to rehabilitation. This study concludes that rehabilitation programs have significant potential for positive change but require quality improvements and enhanced resource support for better outcomes. Keywords: Rehabilitation; Women’s Correctional Facility; Inmate Expectations
THE SYSTEMATIC LITERATURE REVIEW OF THE IMPACT OF FINTECH IN ENCOURAGING GREEN INNOVATION IN MSMEs Sinaga, Royanti; Yunanda, Fayeno
Journal of Management Small and Medium Enterprises (SMEs) Vol 18 No 2 (2025): 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.v18i2.20274

Abstract

This study investigates the role of fintech in promoting green innovation among Small and Medium Enterprises (SMEs) worldwide. This paper analyses various research studies and highlights key aspects of fintech’s contributing to sustainable business practices. Firstly, fintech supports access to finance through digital platforms and innovative financing models such as peer-to-peer lending (P2P), enabling SMEs to invest in environmentally friendly technologies. Secondly, green financing mechanisms such as crowdfunding and blockchain technology facilitate transparent and accountable investments in sustainable projects. Thirdly, fintech promotes the digitalization of business operation processes, increasing efficiency and reducing carbon footprints. Furthermore, fintech contributes to developing financial literacy, empowering SMEs to make better decisions about sustainable investments. The study also explores how fintech incentives, such as rewards for eco-friendly purchases, could drive consumer demand for sustainable products. To sum up, fintech plays a vital role in fostering green innovation among SMEs by providing better access to finance, promoting transparency, introducing eco-friendly technologies, and expanding market access. Keywords: Fintech; Green Innovation; MSMEs
NAVIGATING RISK BY USING A MULTIFACETED APPROACH TO CONTINGENCY PLANNING FOR BLACK SMES IN SOUTH AFRICA'S AUTOMOTIVE INDUSTRY DURING COVID-19 Peterson, Denis Desmond
Journal of Management Small and Medium Enterprises (SMEs) Vol 18 No 2 (2025): 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.v18i2.20276

Abstract

This study examines contingencies used by Black-owned SMEs in South Africa’s automotive industry during the COVID-19 pandemic to manage risks during this period. Semi-structured interviews were conducted with 11 SMEs, comprising six micro-businesses and five small businesses located in Gauteng and the Eastern Cape. Thematic analysis was used to analyze the data, revealing the contingencies implemented as responses to mitigate the risks to their sustainability. The findings show that participants employed multifaceted contingency strategies across financial, operational, human resource, socioeconomic, and technological domains. These measures were both proactive and reactive, highlighting the adaptability and resilience of the SMEs. The study emphasizes the importance of targeted policies and frameworks to support these enterprises in navigating risks and ensuring sustainability. These insights are crucial for policymakers, business leaders, and stakeholders committed to fostering resilience in South Africa's small business sector. Keywords: Small Business; Contingencies, Covid-19; Automotive Industry
RESILIENCE AND REINVENTION: THE JOURNEY OF MIGRANT-OWNED MICRO ENTERPRISES IN SOUTH AFRICA BEFORE, DURING, AND AFTER COVID-19 Mutisi, Edson Chido; Mutekwe, Paddington; Padayachee, Celestine
Journal of Management Small and Medium Enterprises (SMEs) Vol 18 No 2 (2025): 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.v18i2.20596

Abstract

This paper follows foreign migrant-owned microenterprises in South Africa, tracing their paths before and after the COVID-19 pandemic. Research on micro-enterprises during the pandemic is generally inclined toward finding the impact of COVID-19 without a migration analysis. This paper bridges this gap by centering on migrant-owned businesses since they may have been affected by being owned by foreigners, a vulnerable population. The paper utilizes qualitative data to evaluate the pandemic's impact on business operations, financial security, and survival mechanisms. Furthermore, it assesses the post-pandemic revival process and locates migrant-owned small businesses' experiences in debates on migration, informality, and entrepreneurship. The primary findings of the paper illustrate that migrant-owned small businesses performed relatively well before the pandemic, with most of the owners earning above South Africa's monthly minimum wage. The paper also discovered that many foreign-owned small enterprises were impacted by a decline in demand during the lockdown, resulting in a loss of revenue, while some have struggled to recover post-COVID-19. Keywords: South Africa; COVID-19; Small Businesses; Migrants; Micro-Enterprises
HOSPITALITY ENTREPRENEURSHIP IN A RESOURCE CONSTRAINED ENVIRONMENT AMID THE COVID-19 PANDEMIC: EVIDENCE FROM GUESTHOUSE OPERATORS Donga, Gift; Chimucheka, Tendai
Journal of Management Small and Medium Enterprises (SMEs) Vol 18 No 2 (2025): 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.v18i2.20675

Abstract

This study leverages Complexity Theory to explore the multifaceted experiences of guesthouse operators in Alice, South Africa, during the pandemic. While global perspectives on the pandemic's impact on the hospitality sector are well documented, a notable research gap remains in understanding the localised experiences of guesthouses in marginalised contexts. Guided by an interpretive paradigm, this research employed a qualitative methodology to capture the lived experiences of guest house operators. Semi-structured interviews were conducted with six purposively selected participants, allowing for in-depth insights into the challenges faced and the strategies employed. Thematic analysis of the data revealed key challenges, including revenue losses, staff retrenchments, operational constraints, and limited government support, underscoring the interconnected nature of the economic and social impacts. By situating the experiences of Alice guesthouse operators within a broader South African and global context, this study contributes valuable insights into entrepreneurial resilience in crisis-prone environments. Keywords: COVID-19 Pandemic; Hospitality Entrepreneurship; Guesthouse Operators
A COMPREHENSIVE EVALUATION OF DIGITAL TRANSFORMATION ACROSS MULTIPLE BUSINESS FUNCTIONS IN SOUTH AFRICAN SMMES: INSIGHTS POST-COVID-19 Khoza, Nomfundo Gladys; Mkosana, Walter Mthuthuzeli
Journal of Management Small and Medium Enterprises (SMEs) Vol 18 No 2 (2025): 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.v18i2.20824

Abstract

The digital transformation of Small, Medium, and Micro Enterprises (SMMEs) is crucial for maintaining competitiveness and ensuring long-term growth in today’s business environment. This systematic literature review evaluates how digital technologies have reshaped business functions within South African SMMEs, particularly following the COVID-19 pandemic. Articles published between 2019 and 2024 were sourced from Scopus and Web of Science, and the PRISMA framework was used for selecting and analysing relevant studies. The review assesses the current state of digital transformation, exploring its impact on marketing, operations, customer engagement, and decision-making processes. It identifies key challenges, such as resource limitations, digital skills gaps, and infrastructure constraints, which impede widespread digital adoption. Sector-specific insights are also provided, recognizing varying levels of digital maturity across industries. The findings offer actionable recommendations for SMME owners, policymakers, and educators, suggesting strategies to accelerate digital adoption. By providing valuable local data, this study adds to the growing body of research on entrepreneurship and digitalization in South Africa’s post-pandemic landscape. The study underscores the need for targeted interventions to help SMMEs overcome barriers and fully leverage technology to drive growth and innovation. Keywords: Digital Transformation; SMMEs; South Africa; Post-COVID-19; Sectoral Analysis

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