This study aims to explore the business strategies that have been carried out by MSMEs so that re... more This study aims to explore the business strategies that have been carried out by MSMEs so that results of MSME financial performance can be obtained in adopting digital financial service technology in Fintech. The method with accidental sampling is 100 respondents using questionnaires -data analysis with Structural Equation Modeling (SEM) using SmartPLS 3.0 software. The results show that business strategy positively and significantly affects the financial performance of MSME business actors in West Nusa Tenggara. Business strategy completely and significantly affects financial technology for MSME businesses in West Nusa Tenggara. Financial technology positively and significantly affects the financial performance of MSME business actors in West Nusa Tenggara. Financial technology can strengthen the influence of business strategy on the financial performance of MSMEs in West Nusa Tenggara. The research results show that all variable impacts are positive and significant, as well as the effect of mediation variables on independent variables on dependents. Therefore, in the future, MSME players must always consider preparing business strategies and applying technology because this affects their financial performance significantly and sustainably.
Zenodo (CERN European Organization for Nuclear Research), Sep 11, 2023
By using work satisfaction as a mediating variable among employees of the Regional Office of the ... more By using work satisfaction as a mediating variable among employees of the Regional Office of the National Land Agency of NTB Province, this study seeks to understand how information technology and digital transformation affect employee performance. Associative quantitative research techniques are being used. responders included 197 workers at the BPN's regional office in the NTB Province. Questionnaire-based data collecting methods. In this study, smart PLS 3.2.7 software was utilized for the data analysis process. The statistical test findings reveal that while digital transformation has a favorable and considerable impact on performance, information technology has no discernible impact on worker output. A favorable and considerable impact on job satisfaction is also provided by information technology and the digital revolution. The job satisfaction variable, which has a favorable and large impact on employee performance, demonstrates the same thing. In the findings of the mediation test, work satisfaction is possible to significantly and positively mediate the impact of information technology and digital transformation on employee performance at the Regional Office of BPN NTB Province.
Penelitian ini bertujuan untuk menganalisis pengaruh cognitive bias terhadap terhadap kinerja per... more Penelitian ini bertujuan untuk menganalisis pengaruh cognitive bias terhadap terhadap kinerja perusahaan dengan keputusan investasi sebagai variabel intervening pada Usaha Kecil Menengah (UKM) di Pulau Lombok pada masa pandemi Covid 19. Kontribusi teoritis penelitian ini diharapkan akan memberikan kontribusi ilmu pengetahuan dan pengembangan teori behavioral finance yang terkait dengan pengambilan keputusan investasi dan kinerja perusahaan di UKM. Selain itu juga diharapkan behavioral finance menjadi pokok bahasan dalam mata kuliah manajemen keuangan. Selanjutnya, kontribusi praktis penelitian ini diharapkan memberikan masukan, saran dan rekomendasi kepada policy maker Pemerintah Daerah NTB dalam mengambil kebijakan yang kaitannya dengan pengembangan UKM. Penelitian ini merupakan penelitian berbasis pendekatan kuantitatif, dengan jenis penelitian explanatory research. Populasi penelitian adalah semua UKM yang berada di Pulau Lombok. Teknik pengambilan sampel dilakukan dengan non probability sampling, yaitu menggunakan judgement sampling yaitu memilih UKM yang bergerak pada industri kerajinan gerabah dan sudah melakukan ekspor. Dari populasi yang ada, terdapat 34 (Tigapuluh empat) UKM yang dapat diambil sebagai sampel. Teknik pengumpulan data yang digunakan adalah menggunakan angket. Alat statistik yang digunakan yaitu GSCA. Hasil penelitian menunjukkan cognitive bias berpengaruh positif dan signifikan terhadap keputusan penempatan dana untuk modal kerja. Keputusan penempatan dana untuk modal kerja tidak meng-intervening cognitive bias terhadap Kinerja UKM di Pulau Lombok pada masa pandemi Covid 19. Keputusan penempataan dana untuk modal kerja berpengaruh positif dan signifikan terhadap kinerja perusahaan Hal ini dilatarbelakangi oleh usia sebagian besar responden berusia produktif, sebagian besar laki-laki, tingkat pendidikan sebagian besar SMA dan Perguruan Tinggi dan lama usaha lebih dari 15 (limabelas) tahun.
This study aims to examine the effect of Financial Literacy, Education Level and Gender on the Gr... more This study aims to examine the effect of Financial Literacy, Education Level and Gender on the Growth of Small and Medium Enterprises (SMEs) in the Creative Economy Sector in the Mandalika Special Economic Zone (SEZ). The data was collected using the survey sample method, and the number of samples in this study was 50 SMEs. The sample was taken using a simple random sampling technique. The independent free variables are Financial Literacy, Education Level and Gender, while the dependent variable is SME Growth. Technique Analysis data is multiple linear regression, which conducted using the 2016 version of SPSS. The results showed that financial literacy and education level have a positive and significant effect on SMEs growth. Meanwhile, gender has a positive, but not significant effect on the growth of SMEs. Keywords: Financial Literacy, Education Level, Gender and SMEs Growth
Zenodo (CERN European Organization for Nuclear Research), Jun 13, 2023
This study aims to examine the moderating role of emotional intelligence on the effect of organiz... more This study aims to examine the moderating role of emotional intelligence on the effect of organizational justice on counterproductive work behavior (CWB). This type of research is causal associative research with a quantitative approach. Sampling was taken using proportional random sampling technique, namely as many as 72 respondents were taken from a total population of 256 employees at the Regional Secretariat of Bima Regency. Data analysis used the PLS-SEM technique with Smart PLS 4 software. The results showed that organizational justice had a significant negative effect on CWB with a path coefficient value of-0.578, a t statistic value of 5.973 > 1.96, and a P value of 0.000 < 0.05, and emotional intelligence could strengthen the influence of organizational justice on CWB with a path coefficient value of-0.234, a t statistic value of 2.016 > 1.96, and a P value of 0.044 < 0.05.
JSEH (Jurnal Sosial Ekonomi dan Humaniora), Dec 30, 2022
Tujuan dari penelitian ini adalah untuk mengetahui persepsi pengelola BUMDes terhadap aplikasi pe... more Tujuan dari penelitian ini adalah untuk mengetahui persepsi pengelola BUMDes terhadap aplikasi pengelolaan keuangan serta manfaat dan kelayakan aplikasi untuk digunakan sebagai sistem informasi akuntasi BUMDes. Penelitian ini dianalisis secara deskriptif menggunakan metode fenomenologi. Analisis data menggunakan teknik analisis interaktif yang meliputi pengumpulan data, reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian ini menunjukkan bahwa persepsi pengelola BUMDes menggunakan aplikasi pengelolaan keuangan dominan kepada persepsi positif. Hasil wawancara dengan pengelola BUMDes membuktikan bahwa aplikasi pengelolaan keuangan dapat meningkatkan produktivitas usaha BUMDes, meningkatkan kinerja, bekerja lebih cepat dan mudah, data yang tersimpan lebih aman, dan informasi akutansi yang dihasilkan lebih jelas. Sebagian besar pengelola BUMDes memberikan persepsi positif, namun terdapat pengelola BUMDes yang masih memilih untuk tetap menggunakan pencatatan manual karena aplikasi pengelolaan keuangan dianggap tidak sesuai dengan unit usaha yang dijalankan. Dari hasil analisis data, aplikasi pengelolaan keuangan layak digunakan sebagai pencatatan keuangan BUMDes yang telah memenuhi standar akuntasi dan lebih baik.
Jurnal Magister Manajemen Universitas Mataram, Mar 4, 2019
The purpose of this study is to find out what factors determine decision making of debt and what ... more The purpose of this study is to find out what factors determine decision making of debt and what are the most dominant factors in decision making of debt for SMEs on the island of Lombok. This research is an explanatory research with quantitative approach. The population is all SMEs located in Lombok island. The sample is selected by Non probability sampling technique with a judgment sampling method where the SMEs that selected as samples are SMEs in handicraft industry of pottery and already exporting the products. Of the existing population, there are 25 (twenty five) SMEs that can be sampled. Respondents in this study are managers who also the owner of the SMEs. Data was collected using questionnaire. To achieve the research objectives, the data obtained will be processed according to needs using Factor Analysis. The results of this study indicate there are three factors that determine decision making of debt. The most dominant factor in determining debt decision making for SMEs in Lombok Island was the Overconfidence factor. Tujuan dari penelitian ini adalah untuk mengetahui faktor-faktor apa yang menentukan pengambilan keputusan utang dan faktor apa yang paling dominan dalam pengambilan keputusan utang untuk UKM di Pulau Lombok. Penelitian ini adalah penelitian penjelasan dengan pendekatan kuantitatif. Populasi adalah semua UKM yang berada di Pulau Lombok. Sampel dipilih dengan teknik Non probability sampling dengan metode judgment sampling dimana UKM yang dipilih sebagai sampel adalah UKM dalam industri kerajinan gerabah dan sudah mengekspor produk. Dari populasi yang ada, ada 25 (dua puluh lima) UKM yang bisa dijadikan sampel. Responden dalam
Tujuan penelitian ini adalah untuk menganalisis financial distress menggunakan metode Altman Z-Sc... more Tujuan penelitian ini adalah untuk menganalisis financial distress menggunakan metode Altman Z-Score Modifikasi untuk memprediksi potensi kebangkrutan pada Perusahaan Transportasi yang terdaftar di Bursa Efek Indonesia (BEI) tahun 2016-2020. Variabel-variabel yang digunakan pada penelitian ini adalah Net Working Capital to Total Assets (X1), Retained Earnings to Total Assets (X2), Earning Before Interest and Tax to Total Assets (X3), dan Book Value of Equity to Book Value of Total Debt (X4). Hasil penelitian ini menunjukkan bahwa pada tahun 2016 terdapat sebanyak 17 perusahaan yang mengalami financial distress. Tahun 2017 terdapat 22 perusahaan, tahun 2018 terdapat 21 perusahaan, tahun 2019 terdapat sebanyak 19 perusahaan, dan ditahun 2020 terdapat sebanyak 19 perusahaan yang mengalami financial distress. Pandemi Covid-19 yang terjadi mempengaruhi kondisi keuangan perusahaan sehingga banyak perusahaan yang kategori distress bahkan berkategori grey area.
Zenodo (CERN European Organization for Nuclear Research), Jun 30, 2023
This study aims to analyze the effect of financial knowledge, financial attitude, and personality... more This study aims to analyze the effect of financial knowledge, financial attitude, and personality on financial management behavior in Creative Economy MSME actors throughout Lombok Island. This research is cause associative research with a quantitative approach. Sampling using proportional random sampling technique, namely as many as 92 respondents from a total population of 1111 creative economy actors. Data analysis used the PLS-SEM technique with Smart PLS 4 software. The results indicated that financial knowledge has no significant positive effect on financial management behavior, and financial attitudes and personality have a positive and significant effect on financial management behavior.
Daun bebele merupakan salah satu tumbuhan yang dapat dimanfaatkan menjadi produk-produk yang memi... more Daun bebele merupakan salah satu tumbuhan yang dapat dimanfaatkan menjadi produk-produk yang memiliki nilai ekonomi tinggi. Daun Bebele dengan nama latin Centella Asiatica L. merupakan tanaman liar yang banyak tumbuh di tempat seperti ladang, perkebunan maupun di pekarangan. Nama yang biasa dikenal untuk tanaman ini selain daun tapak kuda (Centella asiatica l.) bagi suku sasak menyebutnya daun Bebele, sedangkan suku jawa menyebutnya dengan daun Kaki Kuda (Tapak Kuda) & Antanan, sedangkan suku sunda menamainya Antanan Gede. Peningkatan nilai ekonomi yang akan dilakukan adalah membuat keripik dengan bahan dasar daun bebele, dimana sebelumnya Daun Bebele hanya dikonsumsi sebagai obat saja dengan meminum air rebusan dari daun tersebut. Keripik merupakan makanan ringan atau cemilan berupa irisan tipis yang sangat populer dikalangan masyarakat karena sifatnya yang renyah, gurih, tidak terlalu mengenyangkan dan tersedia dalam aneka rasa seperti asin, pedas dan manis. Keripik sangat praktis...
Zenodo (CERN European Organization for Nuclear Research), Jun 24, 2023
The aim of this study is to analyze the influence of intellectual capital disclosure and capital ... more The aim of this study is to analyze the influence of intellectual capital disclosure and capital structure on firm value in state-owned enterprises listed on the IDX from 2018 to 2021. The whole sampling approach was employed for sample selection in this study, which is a sampling strategy in which all members of the population are utilized as samples, yielding a total of 26 firms. Panel data regression using the EViews tool was utilized for data analysis. According to the findings, intellectual capital disclosure had a positive and significant effect on firm value. While capital structure had no significant negative effect on firm value. Managerial implications that provide input to managers of BUMN companies that are not listed on the IDX so that they can compare the good source and resource asset management in BUMN companies that have gone public, allowing them to influence and even increase the company's value in the future in a sustainable manner.
Research Aims: This research aimed to investigate vertical partnerships between Original Equipmen... more Research Aims: This research aimed to investigate vertical partnerships between Original Equipment Manufacturers (OEMs) and first-tier automotive component firms based on the relationships between technology transfer, technical exchange, government role and supplier performance in the Greater Jakarta area. Design/Methodology/Approach: A total of 65 respondent firms participated, comprising 6 OEMs and 59 first-tier firms. The research included site visits and interviews with companies based on questionnaires completed by representative individuals from middle management upward with responsibility for assessing product quality (purposive sampling). The questionnaire results were measured using Partial Least Squares Path Modelling (PLS-PM). Research Findings: The results highlighted significant relationships between government role and technology transfer (p-value = 0.00), government role and supplier performance improvement (p-value = 0.017), and technical exchange and supplier perfor...
investment decisions with financial technology as a moderating variable. The type of research con... more investment decisions with financial technology as a moderating variable. The type of research conducted in this research is quantitative with purposive sampling technique. The population and sample in this study were Generation Z in Indonesia. The data method used in this study was a questionnaire method via google form. The data analysis used in this study is moderated regression analysis (MRA) using SPSS. The results show that financial literacy and financial behavior have a positive effect on investment decisions, while financial technology as a moderating variable does not have a positive effect on these two variables
Pijot Village has very important marine tourism potential, because it is the closest gateway to e... more Pijot Village has very important marine tourism potential, because it is the closest gateway to enter the Pink Beach tourist areas and 27 Gili through the waters. This potential increases with the operation of the Mandalika International Circuit, because Pijot Village as one of the Buffer Villages has an important role to support tourism development on the island of Lombok. One of the tourist areas that can be developed in Pijot Village is the Ar Muara Selayar tourist area. However, the tourism potential of the village is still not well organized, not sustainable, and still partial. Muara Selayar area is a coastal area, where horticultural plants cannot grow properly due to the type of soil and high demand for fresh water. Meanwhile, one of the obstacles in this area is the lack of fresh water supply. For this reason, the development of hydroponics is a solution to these problems. The development of vegetable cultivation with a hydroponic system can have two functions, namely meetin...
Lingsar Village is one of the villages in West Lombok Regency that has the potential to develop a... more Lingsar Village is one of the villages in West Lombok Regency that has the potential to develop agro-tourism because 53% of its area consists of agricultural areas and fruit plantations. For this reason, Lingsar Village has great potential to develop organic horticultural plant cultivation which can be packaged as an agro-tourism attraction. This activity is expected to be one of the efforts to empower the community based on the creative economy and can contribute to increasing people's income. Currently, agricultural activities carried out by the people of Lingsar Village are only routine activities to plant on their land or land they rent. Agricultural activities in Lingsar Village are only carried out traditionally and conventionally so that they have not been able to have a significant impact on improving the welfare of the village community. For this reason, this activity aims to develop horticultural cultivation based on organic fertilizer with a touch of technology, which...
Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan, literasi teknologi, dan pra... more Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan, literasi teknologi, dan praktek ERM terhadap kinerja UKM di Kabupaten Lombok Timur. Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian asosiatif. Objek dalam peneltian ini adalah Pelaku UKM yang bergerak pada sektor ekonomi kreatif. Jumlah populasi penelitian yaitu 1.323 UKM dan sampel dari penelitian ini sebanyak 50 responden. Metode pengumpulan data yang digunakan adalah metode sampel survei. Teknik sampel yang digunakan yaitu Cluster random sampling,. Teknik pengumpulan data yang dilakukan pada penelitian ini adalah wawancara dengan menyebarkan kuesioner kepada responden. Jenis data yang digunakan pada penelitian ini adalah data kualitatif yang dikuantitatifkan dengan menggunakan skala likert. Sumber data berbentuk data primer dimana data diperoleh langsung dari pemilik UKM. Alat analisis yang digunakan dalam penelitian ini adalah Regresi Linear Berganda. Berdasarkan hasil penelitian, dipero...
This study aims to explore the business strategies that have been carried out by MSMEs so that re... more This study aims to explore the business strategies that have been carried out by MSMEs so that results of MSME financial performance can be obtained in adopting digital financial service technology in Fintech. The method with accidental sampling is 100 respondents using questionnaires -data analysis with Structural Equation Modeling (SEM) using SmartPLS 3.0 software. The results show that business strategy positively and significantly affects the financial performance of MSME business actors in West Nusa Tenggara. Business strategy completely and significantly affects financial technology for MSME businesses in West Nusa Tenggara. Financial technology positively and significantly affects the financial performance of MSME business actors in West Nusa Tenggara. Financial technology can strengthen the influence of business strategy on the financial performance of MSMEs in West Nusa Tenggara. The research results show that all variable impacts are positive and significant, as well as the effect of mediation variables on independent variables on dependents. Therefore, in the future, MSME players must always consider preparing business strategies and applying technology because this affects their financial performance significantly and sustainably.
Zenodo (CERN European Organization for Nuclear Research), Sep 11, 2023
By using work satisfaction as a mediating variable among employees of the Regional Office of the ... more By using work satisfaction as a mediating variable among employees of the Regional Office of the National Land Agency of NTB Province, this study seeks to understand how information technology and digital transformation affect employee performance. Associative quantitative research techniques are being used. responders included 197 workers at the BPN's regional office in the NTB Province. Questionnaire-based data collecting methods. In this study, smart PLS 3.2.7 software was utilized for the data analysis process. The statistical test findings reveal that while digital transformation has a favorable and considerable impact on performance, information technology has no discernible impact on worker output. A favorable and considerable impact on job satisfaction is also provided by information technology and the digital revolution. The job satisfaction variable, which has a favorable and large impact on employee performance, demonstrates the same thing. In the findings of the mediation test, work satisfaction is possible to significantly and positively mediate the impact of information technology and digital transformation on employee performance at the Regional Office of BPN NTB Province.
Penelitian ini bertujuan untuk menganalisis pengaruh cognitive bias terhadap terhadap kinerja per... more Penelitian ini bertujuan untuk menganalisis pengaruh cognitive bias terhadap terhadap kinerja perusahaan dengan keputusan investasi sebagai variabel intervening pada Usaha Kecil Menengah (UKM) di Pulau Lombok pada masa pandemi Covid 19. Kontribusi teoritis penelitian ini diharapkan akan memberikan kontribusi ilmu pengetahuan dan pengembangan teori behavioral finance yang terkait dengan pengambilan keputusan investasi dan kinerja perusahaan di UKM. Selain itu juga diharapkan behavioral finance menjadi pokok bahasan dalam mata kuliah manajemen keuangan. Selanjutnya, kontribusi praktis penelitian ini diharapkan memberikan masukan, saran dan rekomendasi kepada policy maker Pemerintah Daerah NTB dalam mengambil kebijakan yang kaitannya dengan pengembangan UKM. Penelitian ini merupakan penelitian berbasis pendekatan kuantitatif, dengan jenis penelitian explanatory research. Populasi penelitian adalah semua UKM yang berada di Pulau Lombok. Teknik pengambilan sampel dilakukan dengan non probability sampling, yaitu menggunakan judgement sampling yaitu memilih UKM yang bergerak pada industri kerajinan gerabah dan sudah melakukan ekspor. Dari populasi yang ada, terdapat 34 (Tigapuluh empat) UKM yang dapat diambil sebagai sampel. Teknik pengumpulan data yang digunakan adalah menggunakan angket. Alat statistik yang digunakan yaitu GSCA. Hasil penelitian menunjukkan cognitive bias berpengaruh positif dan signifikan terhadap keputusan penempatan dana untuk modal kerja. Keputusan penempatan dana untuk modal kerja tidak meng-intervening cognitive bias terhadap Kinerja UKM di Pulau Lombok pada masa pandemi Covid 19. Keputusan penempataan dana untuk modal kerja berpengaruh positif dan signifikan terhadap kinerja perusahaan Hal ini dilatarbelakangi oleh usia sebagian besar responden berusia produktif, sebagian besar laki-laki, tingkat pendidikan sebagian besar SMA dan Perguruan Tinggi dan lama usaha lebih dari 15 (limabelas) tahun.
This study aims to examine the effect of Financial Literacy, Education Level and Gender on the Gr... more This study aims to examine the effect of Financial Literacy, Education Level and Gender on the Growth of Small and Medium Enterprises (SMEs) in the Creative Economy Sector in the Mandalika Special Economic Zone (SEZ). The data was collected using the survey sample method, and the number of samples in this study was 50 SMEs. The sample was taken using a simple random sampling technique. The independent free variables are Financial Literacy, Education Level and Gender, while the dependent variable is SME Growth. Technique Analysis data is multiple linear regression, which conducted using the 2016 version of SPSS. The results showed that financial literacy and education level have a positive and significant effect on SMEs growth. Meanwhile, gender has a positive, but not significant effect on the growth of SMEs. Keywords: Financial Literacy, Education Level, Gender and SMEs Growth
Zenodo (CERN European Organization for Nuclear Research), Jun 13, 2023
This study aims to examine the moderating role of emotional intelligence on the effect of organiz... more This study aims to examine the moderating role of emotional intelligence on the effect of organizational justice on counterproductive work behavior (CWB). This type of research is causal associative research with a quantitative approach. Sampling was taken using proportional random sampling technique, namely as many as 72 respondents were taken from a total population of 256 employees at the Regional Secretariat of Bima Regency. Data analysis used the PLS-SEM technique with Smart PLS 4 software. The results showed that organizational justice had a significant negative effect on CWB with a path coefficient value of-0.578, a t statistic value of 5.973 > 1.96, and a P value of 0.000 < 0.05, and emotional intelligence could strengthen the influence of organizational justice on CWB with a path coefficient value of-0.234, a t statistic value of 2.016 > 1.96, and a P value of 0.044 < 0.05.
JSEH (Jurnal Sosial Ekonomi dan Humaniora), Dec 30, 2022
Tujuan dari penelitian ini adalah untuk mengetahui persepsi pengelola BUMDes terhadap aplikasi pe... more Tujuan dari penelitian ini adalah untuk mengetahui persepsi pengelola BUMDes terhadap aplikasi pengelolaan keuangan serta manfaat dan kelayakan aplikasi untuk digunakan sebagai sistem informasi akuntasi BUMDes. Penelitian ini dianalisis secara deskriptif menggunakan metode fenomenologi. Analisis data menggunakan teknik analisis interaktif yang meliputi pengumpulan data, reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian ini menunjukkan bahwa persepsi pengelola BUMDes menggunakan aplikasi pengelolaan keuangan dominan kepada persepsi positif. Hasil wawancara dengan pengelola BUMDes membuktikan bahwa aplikasi pengelolaan keuangan dapat meningkatkan produktivitas usaha BUMDes, meningkatkan kinerja, bekerja lebih cepat dan mudah, data yang tersimpan lebih aman, dan informasi akutansi yang dihasilkan lebih jelas. Sebagian besar pengelola BUMDes memberikan persepsi positif, namun terdapat pengelola BUMDes yang masih memilih untuk tetap menggunakan pencatatan manual karena aplikasi pengelolaan keuangan dianggap tidak sesuai dengan unit usaha yang dijalankan. Dari hasil analisis data, aplikasi pengelolaan keuangan layak digunakan sebagai pencatatan keuangan BUMDes yang telah memenuhi standar akuntasi dan lebih baik.
Jurnal Magister Manajemen Universitas Mataram, Mar 4, 2019
The purpose of this study is to find out what factors determine decision making of debt and what ... more The purpose of this study is to find out what factors determine decision making of debt and what are the most dominant factors in decision making of debt for SMEs on the island of Lombok. This research is an explanatory research with quantitative approach. The population is all SMEs located in Lombok island. The sample is selected by Non probability sampling technique with a judgment sampling method where the SMEs that selected as samples are SMEs in handicraft industry of pottery and already exporting the products. Of the existing population, there are 25 (twenty five) SMEs that can be sampled. Respondents in this study are managers who also the owner of the SMEs. Data was collected using questionnaire. To achieve the research objectives, the data obtained will be processed according to needs using Factor Analysis. The results of this study indicate there are three factors that determine decision making of debt. The most dominant factor in determining debt decision making for SMEs in Lombok Island was the Overconfidence factor. Tujuan dari penelitian ini adalah untuk mengetahui faktor-faktor apa yang menentukan pengambilan keputusan utang dan faktor apa yang paling dominan dalam pengambilan keputusan utang untuk UKM di Pulau Lombok. Penelitian ini adalah penelitian penjelasan dengan pendekatan kuantitatif. Populasi adalah semua UKM yang berada di Pulau Lombok. Sampel dipilih dengan teknik Non probability sampling dengan metode judgment sampling dimana UKM yang dipilih sebagai sampel adalah UKM dalam industri kerajinan gerabah dan sudah mengekspor produk. Dari populasi yang ada, ada 25 (dua puluh lima) UKM yang bisa dijadikan sampel. Responden dalam
Tujuan penelitian ini adalah untuk menganalisis financial distress menggunakan metode Altman Z-Sc... more Tujuan penelitian ini adalah untuk menganalisis financial distress menggunakan metode Altman Z-Score Modifikasi untuk memprediksi potensi kebangkrutan pada Perusahaan Transportasi yang terdaftar di Bursa Efek Indonesia (BEI) tahun 2016-2020. Variabel-variabel yang digunakan pada penelitian ini adalah Net Working Capital to Total Assets (X1), Retained Earnings to Total Assets (X2), Earning Before Interest and Tax to Total Assets (X3), dan Book Value of Equity to Book Value of Total Debt (X4). Hasil penelitian ini menunjukkan bahwa pada tahun 2016 terdapat sebanyak 17 perusahaan yang mengalami financial distress. Tahun 2017 terdapat 22 perusahaan, tahun 2018 terdapat 21 perusahaan, tahun 2019 terdapat sebanyak 19 perusahaan, dan ditahun 2020 terdapat sebanyak 19 perusahaan yang mengalami financial distress. Pandemi Covid-19 yang terjadi mempengaruhi kondisi keuangan perusahaan sehingga banyak perusahaan yang kategori distress bahkan berkategori grey area.
Zenodo (CERN European Organization for Nuclear Research), Jun 30, 2023
This study aims to analyze the effect of financial knowledge, financial attitude, and personality... more This study aims to analyze the effect of financial knowledge, financial attitude, and personality on financial management behavior in Creative Economy MSME actors throughout Lombok Island. This research is cause associative research with a quantitative approach. Sampling using proportional random sampling technique, namely as many as 92 respondents from a total population of 1111 creative economy actors. Data analysis used the PLS-SEM technique with Smart PLS 4 software. The results indicated that financial knowledge has no significant positive effect on financial management behavior, and financial attitudes and personality have a positive and significant effect on financial management behavior.
Daun bebele merupakan salah satu tumbuhan yang dapat dimanfaatkan menjadi produk-produk yang memi... more Daun bebele merupakan salah satu tumbuhan yang dapat dimanfaatkan menjadi produk-produk yang memiliki nilai ekonomi tinggi. Daun Bebele dengan nama latin Centella Asiatica L. merupakan tanaman liar yang banyak tumbuh di tempat seperti ladang, perkebunan maupun di pekarangan. Nama yang biasa dikenal untuk tanaman ini selain daun tapak kuda (Centella asiatica l.) bagi suku sasak menyebutnya daun Bebele, sedangkan suku jawa menyebutnya dengan daun Kaki Kuda (Tapak Kuda) & Antanan, sedangkan suku sunda menamainya Antanan Gede. Peningkatan nilai ekonomi yang akan dilakukan adalah membuat keripik dengan bahan dasar daun bebele, dimana sebelumnya Daun Bebele hanya dikonsumsi sebagai obat saja dengan meminum air rebusan dari daun tersebut. Keripik merupakan makanan ringan atau cemilan berupa irisan tipis yang sangat populer dikalangan masyarakat karena sifatnya yang renyah, gurih, tidak terlalu mengenyangkan dan tersedia dalam aneka rasa seperti asin, pedas dan manis. Keripik sangat praktis...
Zenodo (CERN European Organization for Nuclear Research), Jun 24, 2023
The aim of this study is to analyze the influence of intellectual capital disclosure and capital ... more The aim of this study is to analyze the influence of intellectual capital disclosure and capital structure on firm value in state-owned enterprises listed on the IDX from 2018 to 2021. The whole sampling approach was employed for sample selection in this study, which is a sampling strategy in which all members of the population are utilized as samples, yielding a total of 26 firms. Panel data regression using the EViews tool was utilized for data analysis. According to the findings, intellectual capital disclosure had a positive and significant effect on firm value. While capital structure had no significant negative effect on firm value. Managerial implications that provide input to managers of BUMN companies that are not listed on the IDX so that they can compare the good source and resource asset management in BUMN companies that have gone public, allowing them to influence and even increase the company's value in the future in a sustainable manner.
Research Aims: This research aimed to investigate vertical partnerships between Original Equipmen... more Research Aims: This research aimed to investigate vertical partnerships between Original Equipment Manufacturers (OEMs) and first-tier automotive component firms based on the relationships between technology transfer, technical exchange, government role and supplier performance in the Greater Jakarta area. Design/Methodology/Approach: A total of 65 respondent firms participated, comprising 6 OEMs and 59 first-tier firms. The research included site visits and interviews with companies based on questionnaires completed by representative individuals from middle management upward with responsibility for assessing product quality (purposive sampling). The questionnaire results were measured using Partial Least Squares Path Modelling (PLS-PM). Research Findings: The results highlighted significant relationships between government role and technology transfer (p-value = 0.00), government role and supplier performance improvement (p-value = 0.017), and technical exchange and supplier perfor...
investment decisions with financial technology as a moderating variable. The type of research con... more investment decisions with financial technology as a moderating variable. The type of research conducted in this research is quantitative with purposive sampling technique. The population and sample in this study were Generation Z in Indonesia. The data method used in this study was a questionnaire method via google form. The data analysis used in this study is moderated regression analysis (MRA) using SPSS. The results show that financial literacy and financial behavior have a positive effect on investment decisions, while financial technology as a moderating variable does not have a positive effect on these two variables
Pijot Village has very important marine tourism potential, because it is the closest gateway to e... more Pijot Village has very important marine tourism potential, because it is the closest gateway to enter the Pink Beach tourist areas and 27 Gili through the waters. This potential increases with the operation of the Mandalika International Circuit, because Pijot Village as one of the Buffer Villages has an important role to support tourism development on the island of Lombok. One of the tourist areas that can be developed in Pijot Village is the Ar Muara Selayar tourist area. However, the tourism potential of the village is still not well organized, not sustainable, and still partial. Muara Selayar area is a coastal area, where horticultural plants cannot grow properly due to the type of soil and high demand for fresh water. Meanwhile, one of the obstacles in this area is the lack of fresh water supply. For this reason, the development of hydroponics is a solution to these problems. The development of vegetable cultivation with a hydroponic system can have two functions, namely meetin...
Lingsar Village is one of the villages in West Lombok Regency that has the potential to develop a... more Lingsar Village is one of the villages in West Lombok Regency that has the potential to develop agro-tourism because 53% of its area consists of agricultural areas and fruit plantations. For this reason, Lingsar Village has great potential to develop organic horticultural plant cultivation which can be packaged as an agro-tourism attraction. This activity is expected to be one of the efforts to empower the community based on the creative economy and can contribute to increasing people's income. Currently, agricultural activities carried out by the people of Lingsar Village are only routine activities to plant on their land or land they rent. Agricultural activities in Lingsar Village are only carried out traditionally and conventionally so that they have not been able to have a significant impact on improving the welfare of the village community. For this reason, this activity aims to develop horticultural cultivation based on organic fertilizer with a touch of technology, which...
Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan, literasi teknologi, dan pra... more Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan, literasi teknologi, dan praktek ERM terhadap kinerja UKM di Kabupaten Lombok Timur. Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian asosiatif. Objek dalam peneltian ini adalah Pelaku UKM yang bergerak pada sektor ekonomi kreatif. Jumlah populasi penelitian yaitu 1.323 UKM dan sampel dari penelitian ini sebanyak 50 responden. Metode pengumpulan data yang digunakan adalah metode sampel survei. Teknik sampel yang digunakan yaitu Cluster random sampling,. Teknik pengumpulan data yang dilakukan pada penelitian ini adalah wawancara dengan menyebarkan kuesioner kepada responden. Jenis data yang digunakan pada penelitian ini adalah data kualitatif yang dikuantitatifkan dengan menggunakan skala likert. Sumber data berbentuk data primer dimana data diperoleh langsung dari pemilik UKM. Alat analisis yang digunakan dalam penelitian ini adalah Regresi Linear Berganda. Berdasarkan hasil penelitian, dipero...
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