scholarly journals THE ROLE OF PERCEIVED BENEFITS IN FORMATION OF INTENTION TO USE ISLAMIC CROWDFUNDING PLATFORM AMONG SMALL AND MEDIUM ENTERPRISES IN MALAYSIA

2019 ◽  
Vol 2 (7) ◽  
pp. 39-47
Author(s):  
Maizaitulaidawati Md Husin ◽  
Razali Haron ◽  
Shahab Aziz
Keyword(s):  
Significant Relationship ◽  
Economic Benefit ◽  
Small And Medium Enterprises ◽  
Sampling Technique ◽  
Intention To Use ◽  
Perceived Benefits ◽  
Transaction Process ◽  
Equity Funding ◽  
Medium Enterprises

Crowdfunding has become a global phenomenon due to its possible role in providing equity funding to small and medium enterprises. Numerous benefits of crowdfunding have been identified. This paper investigated whether three factors - economic benefit, convenience and transaction process are important in influencing the perceived benefits of Islamic crowdfunding platforms and whether perceived benefits affect small and medium enterprises’ (SMEs) intention to use the platform. Self-administered questionnaires and structured online surveys were distributed to SMEs in Selangor, Malaysia using the purposive sampling technique. SmartPLS was used to analyze the data. This paper found that economic benefit has a positive and significant relationship with perceived benefits, and the transaction process has a negative and significant relationship with perceived benefits, while convenience was found to have an insignificant relationship with perceived benefits. This paper also found that perceived benefits were found to have a significant relationship with intention. The significance and contribution of this paper were also discussed.

INVESTIGASI NIAT PENGGUNAAN FINANCIAL TECHNOLOGY PAYMENT BAGI USAHA MIKRO KECIL MENENGAH

2021 ◽  
Vol 19 (1) ◽  
pp. 35
Author(s):  
Anissa Hakim Purwantini ◽  
Reza Dea Amalia
Keyword(s):  
Risk Perception ◽  
Small And Medium Enterprises ◽  
Sampling Technique ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Digital Money ◽  
Convenience Sampling ◽  
Medium Enterprises ◽  
Financial Technology

ABSTRACTThe current adoption of financial technology (fintech) payment by Micro, Small and Medium Enterprises (MSMEs) is motivated by the trend of using digital money. The purpose of this study is to test and analyze empirically the factors that influence the intention of SMEs to use fintech payments. This study uses a quantitative method by distributing surveys to 94 MSMEs in the Magelang using convenience sampling technique. The test results with SEM-PLS show that the perceived usefulness and the perception of trust have an effect on attitudes. Risk perception and trust affect the intention to use fintech payment. Meanwhile, for ease of use, perception and risk perception have no effect on attitudes and perceived usefulness. Attitudes have no effect on intentions to use fintech payment. Based on the calculation of the path value, the most powerful factor to influence the intention to use fintech payment is the perception of trust.Keywords: fintech payment, TAM, MSMEABSTRAKAdopsi terkini mengenai pembayaran melalui financial technology (fintech) oleh Usaha Mikro, Kecil dan Menengah (UMKM) dilatarbelakangi oleh tren penggunaan uang digital. Tujuan dari penelitian ini adalah untuk menguji dan menganalisis secara empiris faktor-faktor yang mempengaruhi niat UMKM untuk menggunakan pembayaran fintech. Penelitian ini menggunakan metode kuantitatif dengan menyebarkan survei kepada 94 UMKM di Magelang dengan menggunakan teknik convenience sampling. Hasil pengujian dengan SEM-PLS menunjukkan bahwa persepsi manfaat dan persepsi kepercayaan berpengaruh terhadap sikap. Persepsi risiko dan kepercayaan mempengaruhi niat untuk menggunakan pembayaran fintech. Sedangkan untuk kemudahan penggunaan, persepsi dan persepsi risiko tidak berpengaruh terhadap sikap dan manfaat yang dirasakan. Sikap tidak berpengaruh terhadap niat menggunakan fintech payment. Berdasarkan perhitungan path value, faktor yang paling kuat mempengaruhi niat menggunakan fintech payment adalah persepsi kepercayaan.Kata kunci: fintech payment, TAM, UMKM

scholarly journals The Role Of Human Resources Competency On SMEs Performance In Timor – Leste

2021 ◽  
Vol 1 (11) ◽  
Author(s):  
Egidio Da Costa ◽  
Niu Xiong ying
Keyword(s):  
Random Sampling ◽  
Sampling Method ◽  
Small And Medium Enterprises ◽  
Sampling Technique ◽  
Simple Random Sampling ◽  
Business Owners ◽  
Measurement Scale ◽  
Timor Leste ◽  
Medium Enterprises

Small and medium enterprises (SMEs) play a large role in the economic development of each country. This can be seen from their contribution to the Gross Domestic Product (GDP). In addition, the existence of impact on the development of several countries, especially small and developing countries. This study was conducted with the aim of exploring the influence of skills, knowledge and abilities on the performance of SMEs with a quantitative approach. The population in this study was SMEs domiciled in Dili, Timor-Leste and the sampling Method was simple random sampling technique. The data collection was conducted by distributing questionnaires to 250 units of SMEs business owners and managers. The measurement scale Used was a Likert scale. The data were analyzed using SPSS version 23 with multiple regression analysis. The results of the F test (Simultaneous) analysis show that the skills (X1), knowledge (X2) and ability (X3) have positive and significant effects on SMEs’ performance (Y). While t test (Partial) results show skills is positive, but Do not significantly influence SMEs performance while knowledge and abilities show positive and significant effects on SMEs performance.

Intellectual Capital in Malaysian SMEs

2015 ◽  
pp. 220-231
Author(s):  
Muhammad Khalique
Keyword(s):  
Intellectual Capital ◽  
Business Performance ◽  
Food Industry ◽  
Small And Medium Enterprises ◽  
Sampling Technique ◽  
Business Environment ◽  
Customer Capital ◽  
Medium Enterprises ◽  
Three Components

The aim of this chapter is to shed light on the concept and application of intellectual capital in the food industry in Kuching, Malaysia. There is no doubt that intellectual capital is a most important strategic asset for the success of organizations. In a competitive business environment, intellectual capital has been a vital element of success, particularly in Small and Medium Enterprises (SMEs). The purpose of this study is to examine the role of intellectual capital in order to enhance the business performance of SMEs operating in the food industry in Kuching, Malaysia. In this chapter, three components of intellectual capital, namely human capital, customer capital, and structural capital, are employed to examine the role of intellectual capital in SMEs. A structured questionnaire with a five-point Likert Scale was used to gather the data from the targeted respondents by using a convenience-sampling technique. A total of 200 questionnaire sets were distributed to the targeted respondents. From the total distributed questionnaires, a total of 194 respondents gave their feedback. Four research hypotheses were addressed to find the objectives of this study. To test the proposed research hypotheses, multiple regression technique was used. The findings of this study show that the three components of intellectual capital collectively and individually have positive and significant relationships with the business performance of baking SMEs. Subsequently, the four hypotheses of this study were supported. This chapter is a preliminary study about the baking SMEs operating in the food sector in Malaysia.

scholarly journals LEARNING ORGANIZATION LEADERSHIP INNOVATION (LOLI) AND EMPLOYEE PERFORMANCE IN CREATIVE INDUSTRIES

2020 ◽  
Vol 10 (1) ◽  
pp. 79
Author(s):  
Titiek Ambarwati ◽  
Fika Fitriasari ◽  
Ratya Shafira Arifiani
Keyword(s):  
Learning Organization ◽  
Small And Medium Enterprises ◽  
Employee Performance ◽  
Sampling Technique ◽  
Creative Industries ◽  
Direct Influence ◽  
Organization Learning ◽  
Organization Leadership ◽  
Medium Enterprises

This study aims to analyze the direct influence of leadership on learning organization, the influence of learning organization on employee performance, the influence of leadership on innovation, and the influence of innovation on employee performance. The population in this study was all employees of handicraft Small and Medium Enterprises (SME) in Malang City. The sampling technique used is probability sampling with a sample size of 50 respondents. The analysis used is path analysis using SmartPLS 3.0 software. The results showed that leadership has an influence on the application of learning organization, learning organization has an effect on employee performance, leadership encourages employees to innovate, and the innovations can improve employee performance. The role of a leader to encourage employees to continue learning and innovating in SMEs will create a good impact on the performance of employees and SMEs.

scholarly journals PENGARUH KINERJA FINANSIAL UMKM TERHADAP PENGEMBANGAN EKONOMI LOKAL DI KABUPATEN SIDOARJO

2020 ◽  
Vol 1 (1) ◽  
pp. 163-168
Author(s):  
Julinda Prastika Pratama ◽  
Teguh Purwanto ◽  
Aji Prasetyo
Keyword(s):  
Financial Performance ◽  
Random Sampling ◽  
Total Population ◽  
Small And Medium Enterprises ◽  
Sampling Technique ◽  
Simple Random Sampling ◽  
Local Economy ◽  
Business Units ◽  
Medium Enterprises

The business in Indonesia cannot be separated from the role of Micro, Small and Medium Enterprises (MSMEs) in the economy of a region. This study describes the assessment in a business unit's financial performance using NPM and ROE analysis methods The total population in this study was 448 business units that have been registered at the Department of Cooperatives and SMEs in Sidoarjo Regency and obtained a sample of 82 business units with a sampling technique that is simple random sampling. The results of hypothesis testing show that the assessment and picture of financial performance influences the development of the local economy in Sidoarjo Regency.

Peran Komunikasi Pemasaran Terpadu dalam Peningkatan Pendapatan Usaha Mikro Kecil dan Menengah (UMKM)

2020 ◽  
Vol 4 (4) ◽  
pp. 449
Author(s):  
Suci Awalia Rahmadani ◽  
Dwi Retno Hapsari
Keyword(s):  
Significant Relationship ◽  
Qualitative Data ◽  
Positive Impact ◽  
Small And Medium Enterprises ◽  
Marketing Communication ◽  
Integrated Marketing Communications ◽  
Integrated Marketing ◽  
Integrated Marketing Communication ◽  
Medium Enterprises

Pertumbuhan dan perkembangan Usaha Mikro Kecil dan Menengah (UMKM) memberikan dampak positif bagi perekonomian Indonesia. Usaha Mikro Kecil dan Menengah digunakan untuk mengurangi pengangguran dan menyerap tenaga kerja. Pemasaran menjadi salah satu masalah utama yang dihadapi oleh UMKM. Komunikasi pemasaran terpadu dapat digunakan untuk memperkenalkan produk kepada pelanggan dengan menggunakan komponen-komponen yang ada. Penelitian ini bertujuan untuk menganalisis peran komunikasi pemasaran terpadu pada peningkatan pendapatan UMKM. Penelitian ini menggunakan pendekatan kuantitatif yang didukung oleh data kualitatif dengan responden sebanyak 33 orang. Hasil penelitian yang diperoleh menunjukkan bahwa tidak ada hubungan signifikan antara karakteristik UMKM dengan komunikasi pemasaran terpadu, tidak terdapat hubungan signifikan antara karakteristik pelaku UMKM dengan komunikasi pemasaran terpadu, terdapat hubungan yang signifikan antara komponen komunikasi pemasaran terpadu dengan peningkatan pendapatan UMKM, dan terdapat hubungan yang signifikan antara komunikasi pemasaran terpadu dengan peningkatan pendapatan UMKM.Kata kunci: komunikasi pemasaran terpadu, peningkatan pendapatan, usaha mikro kecil dan menengah==========ABSTRACTThe growth and development of Micro, Small and Medium Enterprises (MSMEs) has a positive impact on the Indonesian economy. MSMEs are used to reduce unemployment and absorb labor. Marketing is one of the main problems faced by MSMEs. Integrated marketing communication can be used to introduce products to customers by using existing components. This study aims to analyze the role of integrated marketing communication in increasing MSME income. This study uses a quantitative approach that is supported by qualitative data with 33 respondents. The results obtained showed that there was no significant relationship between the characteristics of MSMEs with integrated marketing communication, there was no significant relationship between the characteristics of MSMEs actors with integrated marketing communications, there was a significant relationship between the components of integrated marketing communication with an increase in MSME income, and there was a significant relationship between integrated marketing communication with an increase in MSME income. Keywords: income rise, intergrated marketing communication, Micro, Small and Medium Enterprises

scholarly journals Peran Komunikasi Pemasaran Terpadu dalam Peningkatan Pendapatan Usaha Mikro Kecil dan Menengah (UMKM)

2020 ◽  
Vol 4 (4) ◽  
pp. 453
Author(s):  
Suci Awalia Rahmadani ◽  
Dwi Retno Hapsari
Keyword(s):  
Significant Relationship ◽  
Qualitative Data ◽  
Positive Impact ◽  
Small And Medium Enterprises ◽  
Marketing Communication ◽  
Integrated Marketing Communications ◽  
Integrated Marketing ◽  
Integrated Marketing Communication ◽  
Medium Enterprises

Pertumbuhan dan perkembangan Usaha Mikro Kecil dan Menengah (UMKM) memberikan dampak positif bagi perekonomian Indonesia. Usaha Mikro Kecil dan Menengah digunakan untuk mengurangi pengangguran dan menyerap tenaga kerja. Pemasaran menjadi salah satu masalah utama yang dihadapi oleh UMKM. Komunikasi pemasaran terpadu dapat digunakan untuk memperkenalkan produk kepada pelanggan dengan menggunakan komponen-komponen yang ada. Penelitian ini bertujuan untuk menganalisis peran komunikasi pemasaran terpadu pada peningkatan pendapatan UMKM. Penelitian ini menggunakan pendekatan kuantitatif yang didukung oleh data kualitatif dengan responden sebanyak 33 orang. Hasil penelitian yang diperoleh menunjukkan bahwa tidak ada hubungan signifikan antara karakteristik UMKM dengan komunikasi pemasaran terpadu, tidak terdapat hubungan signifikan antara karakteristik pelaku UMKM dengan komunikasi pemasaran terpadu, terdapat hubungan yang signifikan antara komponen komunikasi pemasaran terpadu dengan peningkatan pendapatan UMKM, dan terdapat hubungan yang signifikan antara komunikasi pemasaran terpadu dengan peningkatan pendapatan UMKM.Kata kunci: komunikasi pemasaran terpadu, peningkatan pendapatan, usaha mikro kecil dan menengah==========ABSTRACTThe growth and development of Micro, Small and Medium Enterprises (MSMEs) has a positive impact on the Indonesian economy. MSMEs are used to reduce unemployment and absorb labor. Marketing is one of the main problems faced by MSMEs. Integrated marketing communication can be used to introduce products to customers by using existing components. This study aims to analyze the role of integrated marketing communication in increasing MSME income. This study uses a quantitative approach that is supported by qualitative data with 33 respondents. The results obtained showed that there was no significant relationship between the characteristics of MSMEs with integrated marketing communication, there was no significant relationship between the characteristics of MSMEs actors with integrated marketing communications, there was a significant relationship between the components of integrated marketing communication with an increase in MSME income, and there was a significant relationship between integrated marketing communication with an increase in MSME income. Keywords: income rise, intergrated marketing communication, Micro, Small and Medium Enterprises

scholarly journals E-Commerce in Small and Medium Enterprises (SMEs) in order to Improve Performance

2018 ◽  
Vol 4 (2) ◽  
pp. 208
Author(s):  
Andi Hendrawan ◽  
Hari Sucahyowati ◽  
Kristian Cahyandi
Keyword(s):  
Small And Medium Enterprises ◽  
Sampling Technique ◽  
Two Dimensions ◽  
Performance Difference ◽  
Improve Performance ◽  
Statistical Program ◽  
Quota Sampling ◽  
Medium Enterprises ◽  
Positive Effect

The role of SMEs in the economy of a country, including Indonesia, cannot be underestimated. For example, in the Netherlands, SMEs constitute 98.8% of existing companies and absorb 55% of the workforce. A total of 35 million US dollars of Italian exports is the contribution of SMEs that absorb 2.2 million workers. In Vietnam, 64% of the workforce is absorbed by SMEs. The same thing happened in Indonesia. One application of ICT and the internet in the field of business and trade is electronic commerce (e-commerce). The purpose of the study was to determine the effect of e-commerce on improving the performance of SMEs. Sample to be studied is Small Business Medium in Cilacap, Indonesia. This study uses quota sampling that will be taken a sample of 30 units of SMEs. The sampling technique used is purposive sampling Analyzed performance difference is the performance of SMEs in the show with two dimensions of the increasing number of sales and number of relations, Analysis using statistical program package. Based on the results of the research can be concluded that e-commerce has a positive effect on performance SMEs. This is shown by the increasing sales and relationships of SMEs. More sales will increase the income that the end is the welfare of SMEs.

scholarly journals Pengaruh Penerapan Blue Ocean Strategy Terhadap Daya Saing Pada Usaha Mikro Kecil Menengah (UMKM) Restoran

2016 ◽  
Vol 1 (2) ◽  
Author(s):  
Aryati Fatmi ◽  
Mukaram Mukaram
Keyword(s):  
Business Strategy ◽  
Small And Medium Enterprises ◽  
Sampling Technique ◽  
Business Strategies ◽  
Product Price ◽  
Value Innovation ◽  
Target Cost ◽  
Medium Enterprises ◽  
Production Target

The purpose of this study is to investigate the role of blue ocean strategy towards competitiveness. Through increasing number of UMKM in Bandung, business competition has become very tight including in restaurant businesses. In order to acquire high competitiveness, UMKM-based restaurants in Bandung need a business strategy to survive. One of the effective business strategies is blue ocean strategy. Blue ocean strategy is a business strategy of which the main key implementation is to carry out value innovation so that company can create market space wherein without any competitors yet. This condition makes company capable of improving its competitiveness. The measurement of blue ocean strategy application level covers product utility dimension, product price tag, production target cost, and adoption retarder. Meanwhile, the measurement of competitiveness level applies human resources dimension, availability and mastery in information and technology, and management and organization. This research uses non-probability sampling method with purposive sampling technique. This research uses 101 restaurants as sample out of 468 populations. The respondents of this research are owner, manager and supervisor. The findings show that the blue ocean strategy contributes 41.8% to the competitiveness of the UMKM restaurants in Bandung.Keywords: Competitiveness, Value Innovation, Restaurant, Business Strategy, Micro, Small and Medium Enterprises.

HUBUNGAN ANTARA RASIO KREDIT BERMASALAH DENGAN RASIO PROFITABILITAS: Studi Empiris pada BPRse-Kota Tangerang Periode 2015

2017 ◽  
Vol 2 ◽  
pp. 179-186
Author(s):  
Yohan Henri Wibowo
Keyword(s):  
Empirical Evidence ◽  
Significant Relationship ◽  
Small And Medium Enterprises ◽  
Profit Margin ◽  
Financial Report ◽  
Secondary Sources ◽  
Normality Test ◽  
Net Profit ◽  
Medium Enterprises ◽  
The City

The aims of this study is to find empirical evidence, that there is a significant relationship between the Non Performing Loan Ratio is reflected in indicators of Non-Performing Loan (NPL) with a Profitability Ratio that is reflected in the indicators Net Profit Margin (NPM).The collecting of data method is secondary sources from Quarterly Financial Report Rural Banks (hereinafter referred to as BPR) as the city of Tangerang. The sample in this study is BPRin Kota Tangerang are categorized as Micro, Small and Medium Enterprises (hereinafter referred to as SMEs). The hypothesis was tested by normality test and linear regression, The results of the study are not found empirical evidence that there is a significant relationship between Non-Performing Loan Ratios were reflected in NPL with Ratio Profitability indicators are reflected in indicators of NPM.These results indicate that required the mediating factor, namely the Contractual Interest Income from Loans and Expenses of Assets Allowance (hereinafter referred PPAPWD) Keywords: Non-Performing Loan, Net Profit Margin

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