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Intention to Use Digital Finance MSMEs: The Impact of Financial Literacy and Financial Inclusion Atang Hermawan; Ardi Gunardi; Lira Mustika Sari
Jurnal Ilmiah Akuntansi dan Bisnis Vol 17 No 1 (2022)
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Udayana bekerjasama dengan Ikatan Sarjana Ekonomi Cabang Bali

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/JIAB.2022.v17.i01.p12

Abstract

The purpose of this study is determine financial literacy affects intention to use digital finance and financial inclusion affects intention to use digital finance. Collecting data using questionnaires and PLS analysis method. The results show the intention to use digital finance is influenced by financial literacy with medium significance and financial inclusion with a very strong significance. This finding contributes for fintech knowledge, because the intention to use digital finance’s research is rare expecially for MSME actors, so this results provide suggestions for disseminating financial knowledge and services that have impact on usage intentions to end up with better market and MSME development. This research focuses on the intention to use digital finance for MSMEs, which is important because it requires adjustment to the times that lead to digitalization. The city of Bandung as a city with a fairly large number of MSMEs has attracted the attention of researchers Keywords: financial inclusion, financial literacy, intention to use digital finance
Swot Analysis Based on Total Quality Environmental Management: Case Study at PT. Yanaprima Hastapersada, Tbk. Lira Mustika Sari; Ratna Asri Solihati; Popy Rufaidah
Journal of International Conference Proceedings (JICP) Vol 1, No 2 (2018): Proceedings of the 2nd International Conference of Project Management (ICPM) Gor
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (28.017 KB) | DOI: 10.32535/jicp.v1i2.315

Abstract

Environmental damage is a problem faced by the world globally due to environmental pollution from processing industrial production activities. Pollution can arise due to the negligence of the company in fulfilling its obligations and responsibilities towards the surrounding environment. This should be a concern for companies to participate in and be responsible for the company's external environment (ecology). Therefore, this study aims to identify the implementation of environmental strategies carried out by PT. Yanaprima Hastapersada, Tbk. The study used case study in exploring firm’s related practices of the four-element of Total Quality Environmental Management (TQEM). The SWOT analysis shows that the strength of the company come from the differentiation of its products offered to its target market; the brand reputation that became the identity of its product and company; the service quality to maintain the repeat orders from its customers; and the distribution channels to reach wider consumers in various locations. The study shows that the firm has applied the four-element of TQEM. These are: the use of machinery that is able to increase environmentally friendly productivity, the maintaintenance of the environmental's production, the application of the business ethics in the company, the development of waste storage, and the treatment of the waste that still has economic value.
PEMBERDAYAAN MASYARAKAT MELALUI PELATIHAN, PENDAMPINGAN, DAN PENGEMBANGAN DIVERSIFIKASI PRODUK BERBAHAN BAKU SINGKONG Atty Tri Juniarti; Bayu Indra Setia; Erry S. R. Pangestu; Erik Syawal Alghifari; Lira Mustika Sari
JMM (Jurnal Masyarakat Mandiri) Vol 7, No 4 (2023): Agustus
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jmm.v7i4.15463

Abstract

Abstrak: Desa Gandamekar memiliki produk unggulan namun dalam pemanfaatannya belum dilakukan secara maksimal sehingga produksi hanya sebatas menjual tape singkong. Permasalahan selanjutnya yang umum dialami yaitu permasalahan keuangan terutama dalam penentuan harga jual. Pelaku UMKM masih menghitung penentuan harga produknya dengan mengira-ngira sehingga pelaku usaha tidak mengetahui apakah produk yang ditawarkan memberikan keuntungan ataukah sebaliknya. Dalam memberikan solusi ini dilaksanakan proses penyelesaian dengan tiga tahapan diantaranya analisis kebutuhan, sosialisasi dan pembinaan kegiatan produksi (diversifikasi produk), hingga sosialisasi dan pelatihan penentuan harga pokok produksi serta harga jual produk. Subjek penelitian berjumlah 55 pelaku UMKM di Desa Gandamekar Kabupaten Garut. Evaluasi pelaksanaan menggunakan kuesioner. Hasil menunjukkan pemahaman atas materi yang disampaikan mencapai 75,09 persen sehingga sosialisasi dan pelatihan dapat terkategorikan baik. Sosialisasi diversifikasi produk dengan mengenalkan ide kreatif pengolahan singkong yang dapat menginspirasi dalam meningkatkan nilai tambah serta mengetahui jenis biaya yang menjadi dasar perhitungan harga pokok produksi secara manual hingga melalui aplikasi.Abstract: Gandamekar Village has superior products but its utilization has not been carried out optimally so that production is only limited to selling cassava tape. The next problem that is commonly experienced is financial problems, especially in determining selling prices. MSME players still calculate the determination of the price of their products by guessing so that business actors do not know whether the products offered provide benefits or vice versa. In providing this solution, a settlement process is carried out with three stages including needs analysis, socialization and coaching of production activities (product diversification), to socialization and training on determining the cost of goods produced and selling prices of products. The research subjects amounted to 55 MSME actors in Gandamekar Village, Garut Regency. Evaluation of implementation using questionnaires. The results showed that the understanding of the material presented reached 75,09 percent so that socialization and training could be categorized well. Socialization of product diversification by introducing creative ideas for cassava processing that can inspire in increasing added value and knowing the types of costs that are the basis for calculating the cost of goods produced manually through the application.
Pengaruh Brand Image & Kualitas Produk Terhadap Keputusan Pembelian Smartphone Oppo dengan Country of Origin Sebagai Variabel Moderating Shania Mega Oktavia Sinaga; Rakhmawati Purba; Lira Mustika Sari
Digital Business Progress Vol. 2 No. 2 (2023): Digital Business Progress Edisi Desember 2023
Publisher : STIE Bina Karya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70021/dbp.v2i2.110

Abstract

The many types and brands of smartphones offered in the market make consumers have a variety of choices and of course this also greatly encourages manufacturers to sell their products with good quality and standard prices. This study aims to determine the effect of Brand Image & Product Quality on Purchasing Decisions of Oppo Smartphones with Country Of Origin as a Moderating Variable in Bandar Sono Village, Tebing Tinggi City. This type of quantitative descriptive research, taking samples from neighborhood 1 people who use Oppo brand cellphones with the Cochran formula so that the sample is 96 people. The side technique used is purposive sampling. The data obtained from distributing the questionnaires was processed using the SPSS tool. The tests carried out are instrument tests, classical assumption tests, multiple linear regression, determinant coefficients and hypotheses with partial tests and residual tests. The results of this study prove that: brand image and product quality influence the purchasing decision of an Oppo Smartphone. Country of Origin can moderate the relationship between Brand Image and purchasing decisions and Country of origin cannot moderate the relationship between product quality and purchasing decisions for Oppo Smartphones in Bandar Sono Village, Tebing Tinggi City.