iva mala - Academia.edu (original) (raw)
Papers by iva mala
Journal of Social Economics Research
The purpose of this study is to determine the relationship between financial literacy, financial ... more The purpose of this study is to determine the relationship between financial literacy, financial technology, and financial inclusion and the business performance of SMEs in Malang Raya, Indonesia. Looking at various cases related to financial progress, all of which are turning to technology to ensure time efficiency, there is a need for further development related to research on financial technology, and financial inclusion for SMEs' business performance in Malang Raya. The analysis in this study used bibliometrics and PLS. Bibliometrics is used to find relationships that will later become new things. Before the bibliometric analysis, this research looked for references to research through Publish or Perish, so more than 200 reputable journals based on electronics were found in accordance with this study. Furthermore, filters related to the scope are more specifically related to financial technology and the inclusion of SMEs' performance. So fintech is being discovered as a ...
Journal of Finance and Business Digital
Indonesia is still said to be minimal for the process of managing business performance. It is pro... more Indonesia is still said to be minimal for the process of managing business performance. It is proven that financial management is still inconsistent and even not according to plan. The purpose of this study looks at the strategies used by MSME actors to improve their business performance through the finance department by involving sharing factors that fall into the category of financial system management. Judging from the factors of financial literacy, self-efficacy and financial attitude. This type of research uses bibliometric analysis. The results of the analysis looked at many MSME strategies in the financial system, researchers found that there were factors that had not been widely associated with financial attitudes. It was found that the existence of a financial attitude on business performance can shape knowledge and foster self-confidence to be able to provide financial system plans both from the past and the future. With the understanding and adjustment of the situation, i...
International Journal of Professional Business Review
Purpose: The aim of this study is to examine Digital technology can be used to streamline busines... more Purpose: The aim of this study is to examine Digital technology can be used to streamline business transactions, saving money and time. For example, if a company has branches in several cities, it is no longer a problem to transfer any transaction fields. Theoretical framework: There are challenges for MSMEs players who need to go digital, so they need to make adjustments to these problems. This obstacle forces MSMEs actors to change their business model to a fully digital form. Methodology: The research is the bibliometric. Data collection technique is to combine various research sources related to branchless banking as MSME empowerment and then narrow it down to find innovation. The subject of this research is MSMEs in Indonesia that use Seabank as a promotion method and transaction system. The analysis technique used is Vosviewer. Findings: The results of this study are that Sea Bank is a banking service that prioritizes customer experience and business value to create a ...
Zenodo (CERN European Organization for Nuclear Research), Jan 3, 2023
This article aims to discuss the process of independence values for students in the digital era b... more This article aims to discuss the process of independence values for students in the digital era by Islamic boarding schools in Poor Raya. the process is carried out to form anindependent person, has soft skills and mastery of technology, but there are limitations to the use of technology that can be accessed at Islamic boarding schools, so students must be able to study independently to keep up with the developments of the industrial revolutions, especially with the Covid-19 pandemics. the demands of the students for independent study make the roles of Islamic boarding schools must balance learning techniques that are in accordance with the digital era. Another obstacle that arises is that the principle of devotion to Kyai makes the mindset of the Students to b more inclined to manage the business in the Islamic boarding school. This type of research is a qualitative research with a case study approach. data collection techniques were carried out by observation and in-depth interviews. The research subjects were students and leaders of Islamic boarding schools, and ustaz. The analysis technique is carried out with the stages of input, process and output. The results of this study are applyinga santri must balance the life of the world and the hereafter. Entrepreneurship activities are carried out through training, cultivation of orchids, mushrooms, manufacturing, yogurt, printing, broadcasting, shooting services and video production. These activities can be a medium in shaping the students to become independent individuals, stimulating creative and good ideas at establishing communication with various groups.
Arkus
The accounting learning process requires students to have critical thinking skills. Critical thin... more The accounting learning process requires students to have critical thinking skills. Critical thinking is called the process of making judgments based on analysis, interpretation, evaluation, inference, explanation, and reflection. Many factors influence critical thinking, one of which is emotional intelligence. Another factor that can influence critical thinking is conflict management. This study aimed to determine the role of emotional intelligence and the ability to manage conflict from students that affect critical thinking skills in learning activities. This study was an analytic observational study and used primary data obtained from interviews with respondents. A total of 75 respondents were included in this study. Data analysis was performed with the help of SPSS using multiple linear regression. Emotional intelligence has a positive and significant effect on critical thinking. This means that the higher the emotional intelligence of students, the higher their ability to thin...
Qawãnïn Journal of Economic Syaria Law
The Financial Institution under the government and supervised by the OJK regarding credit financi... more The Financial Institution under the government and supervised by the OJK regarding credit financing in accordance with sharia provisions is the Indonesian Sharia Bank. This study uses a normative juridical approach with a descriptive approach, primary data sources and secondary data from documentation and legislation. The technique in this study uses observation and interviews. The results of this study used the internalization of the Law of the Republic of Indonesia Number 21 of 2008 concerning Islamic Banking and the Law of the Republic of Indonesia Article 6 concerning Mortgage Rights. The obstacles faced in this study are the delinquency of various characteristics of debtors who ignore their installments. Efforts made to overcome these problems are through mediation, fostering to sell the object of mortgage guarantee together and if this method does not produce results, it will be carried out with a court decision. It is hoped that the increase in the survey of the object of the...
Qawãnïn Journal of Economic Syaria Law
Salah satu lembaga yang memberikan Kredit Fidusia Penjaminan melalui Program KREASI adalah PT. Pe... more Salah satu lembaga yang memberikan Kredit Fidusia Penjaminan melalui Program KREASI adalah PT. Pegadaian (Persero). Penelitian ini menjelaskan bagaimana Pelaksanaan Pelaksanaan Jaminan Fidusia dan sasaran dari Jaminan Fidusia serta Eksekusi dan upaya yang dilakukan PT.Pegadaian (Persero) dalam solusi pemenangan dalam pelaksanaan jaminan fidusia di Cabang PT.Pegadaian (Persero) Cabang Kota Malang menurut Pasal 30 Undang-Undang Nomor. 42 Tahun 1999 Tentang Fidusia. Penelitian ini menggunakan pendekatan yuridis sosiologis, sumber data primer dari hasil dan data sekunder dari dokumentasi dan perundang-undangan. Teknik dalam penelitian ini menggunakan observasi dan wawancara. Hasil Penelitian ini implementasi yang digunakan adalah teori efektifitas hukum menurut Soerjono Soekanto yang dianalisis melalui 4 faktor. Kendalanya program pencairan dana KREASI agak terlambat dikarenakan masih banyak pelanggan yang terlambat membayar cicilan, nasabh menolak untuk dilaksanakan, hal-hal yang tidak...
In the current era, which is marked by increasingly intense globalization, qualified human resour... more In the current era, which is marked by increasingly intense globalization, qualified human resources are absolutely necessary. One way to improve HR is through education. One of the educational institutions that can be chosen is the Islamic boarding school. The purpose of education in Pondok pesantren is to improve morale, train and enhance morale, respect spiritual and human values, teach honest and moral attitudes and behavior, and prepare students to be taught about religious ethics above other ethics. In the education system ponpes there are entrepreneurship education, where learning is in line with the increase in human resources especially to prepare the independence of students / students in entrepreneurship after graduating from Pondok pesantren with self-efficacy equipped with skills. In creating jobs, the family environment is an important factor to shape the personality of children in entrepreneurship, especially of entrepreneurial family factors Therefore, this study aim...
BHAKTI: JURNAL PENGABDIAN DAN PEMBERDAYAAN MASYARAKAT
The volatility of chili prices is a protracted problem that has not been completely resolved. Mea... more The volatility of chili prices is a protracted problem that has not been completely resolved. Meanwhile, the majority of Dusun Responsibility Mulyo people are chili farmers whose livelihoods are supported by the sale of chili products. Therefore, this service is carried out with the aim of maintaining the stability of chili farmers' income which has an impact on the welfare of the Dusun Responsibility Mulyo community and stimulates the potential of MSMEs in the village. The method used is PAR and a case study approach with participatory observation. The solution that can be used is to conduct training and provide assistance in processing chili products into semi-finished processed materials, namely “Abon Cabai”
Indonesian Journal of Business and Entrepreneurship, 2020
This study aimed to reveal the process of internalizing the self-reliance values of santri in the... more This study aimed to reveal the process of internalizing the self-reliance values of santri in the digital era at pondok pesantren Malang Raya, East Java. The approach of this study was descriptive and qualitative. The data were collected through in-depth interviews and observations with the respondents consisting of three kiai, five board of pondok pesantren, three teachers, and eight students. The data analysis used a simultaneous stage model consisting of approach, extracting, deepening, matching, interpretation, and presentation. The results showed that the character values implanted were the values of independence, namely not depending on others and not oriented to the company/employee organization. The value cultivation system was carried out using the kiai's teachings through learning based on the available ulama books and practical assignments to assist trading businesses, product processing, and services in pondok pesantren's cooperative. Utilization and understanding of the use of internet technology is very appropriate in the context of reducing the character ordering morality.
Journal of Social Economics Research
The purpose of this study is to determine the relationship between financial literacy, financial ... more The purpose of this study is to determine the relationship between financial literacy, financial technology, and financial inclusion and the business performance of SMEs in Malang Raya, Indonesia. Looking at various cases related to financial progress, all of which are turning to technology to ensure time efficiency, there is a need for further development related to research on financial technology, and financial inclusion for SMEs' business performance in Malang Raya. The analysis in this study used bibliometrics and PLS. Bibliometrics is used to find relationships that will later become new things. Before the bibliometric analysis, this research looked for references to research through Publish or Perish, so more than 200 reputable journals based on electronics were found in accordance with this study. Furthermore, filters related to the scope are more specifically related to financial technology and the inclusion of SMEs' performance. So fintech is being discovered as a ...
Journal of Finance and Business Digital
Indonesia is still said to be minimal for the process of managing business performance. It is pro... more Indonesia is still said to be minimal for the process of managing business performance. It is proven that financial management is still inconsistent and even not according to plan. The purpose of this study looks at the strategies used by MSME actors to improve their business performance through the finance department by involving sharing factors that fall into the category of financial system management. Judging from the factors of financial literacy, self-efficacy and financial attitude. This type of research uses bibliometric analysis. The results of the analysis looked at many MSME strategies in the financial system, researchers found that there were factors that had not been widely associated with financial attitudes. It was found that the existence of a financial attitude on business performance can shape knowledge and foster self-confidence to be able to provide financial system plans both from the past and the future. With the understanding and adjustment of the situation, i...
International Journal of Professional Business Review
Purpose: The aim of this study is to examine Digital technology can be used to streamline busines... more Purpose: The aim of this study is to examine Digital technology can be used to streamline business transactions, saving money and time. For example, if a company has branches in several cities, it is no longer a problem to transfer any transaction fields. Theoretical framework: There are challenges for MSMEs players who need to go digital, so they need to make adjustments to these problems. This obstacle forces MSMEs actors to change their business model to a fully digital form. Methodology: The research is the bibliometric. Data collection technique is to combine various research sources related to branchless banking as MSME empowerment and then narrow it down to find innovation. The subject of this research is MSMEs in Indonesia that use Seabank as a promotion method and transaction system. The analysis technique used is Vosviewer. Findings: The results of this study are that Sea Bank is a banking service that prioritizes customer experience and business value to create a ...
Zenodo (CERN European Organization for Nuclear Research), Jan 3, 2023
This article aims to discuss the process of independence values for students in the digital era b... more This article aims to discuss the process of independence values for students in the digital era by Islamic boarding schools in Poor Raya. the process is carried out to form anindependent person, has soft skills and mastery of technology, but there are limitations to the use of technology that can be accessed at Islamic boarding schools, so students must be able to study independently to keep up with the developments of the industrial revolutions, especially with the Covid-19 pandemics. the demands of the students for independent study make the roles of Islamic boarding schools must balance learning techniques that are in accordance with the digital era. Another obstacle that arises is that the principle of devotion to Kyai makes the mindset of the Students to b more inclined to manage the business in the Islamic boarding school. This type of research is a qualitative research with a case study approach. data collection techniques were carried out by observation and in-depth interviews. The research subjects were students and leaders of Islamic boarding schools, and ustaz. The analysis technique is carried out with the stages of input, process and output. The results of this study are applyinga santri must balance the life of the world and the hereafter. Entrepreneurship activities are carried out through training, cultivation of orchids, mushrooms, manufacturing, yogurt, printing, broadcasting, shooting services and video production. These activities can be a medium in shaping the students to become independent individuals, stimulating creative and good ideas at establishing communication with various groups.
Arkus
The accounting learning process requires students to have critical thinking skills. Critical thin... more The accounting learning process requires students to have critical thinking skills. Critical thinking is called the process of making judgments based on analysis, interpretation, evaluation, inference, explanation, and reflection. Many factors influence critical thinking, one of which is emotional intelligence. Another factor that can influence critical thinking is conflict management. This study aimed to determine the role of emotional intelligence and the ability to manage conflict from students that affect critical thinking skills in learning activities. This study was an analytic observational study and used primary data obtained from interviews with respondents. A total of 75 respondents were included in this study. Data analysis was performed with the help of SPSS using multiple linear regression. Emotional intelligence has a positive and significant effect on critical thinking. This means that the higher the emotional intelligence of students, the higher their ability to thin...
Qawãnïn Journal of Economic Syaria Law
The Financial Institution under the government and supervised by the OJK regarding credit financi... more The Financial Institution under the government and supervised by the OJK regarding credit financing in accordance with sharia provisions is the Indonesian Sharia Bank. This study uses a normative juridical approach with a descriptive approach, primary data sources and secondary data from documentation and legislation. The technique in this study uses observation and interviews. The results of this study used the internalization of the Law of the Republic of Indonesia Number 21 of 2008 concerning Islamic Banking and the Law of the Republic of Indonesia Article 6 concerning Mortgage Rights. The obstacles faced in this study are the delinquency of various characteristics of debtors who ignore their installments. Efforts made to overcome these problems are through mediation, fostering to sell the object of mortgage guarantee together and if this method does not produce results, it will be carried out with a court decision. It is hoped that the increase in the survey of the object of the...
Qawãnïn Journal of Economic Syaria Law
Salah satu lembaga yang memberikan Kredit Fidusia Penjaminan melalui Program KREASI adalah PT. Pe... more Salah satu lembaga yang memberikan Kredit Fidusia Penjaminan melalui Program KREASI adalah PT. Pegadaian (Persero). Penelitian ini menjelaskan bagaimana Pelaksanaan Pelaksanaan Jaminan Fidusia dan sasaran dari Jaminan Fidusia serta Eksekusi dan upaya yang dilakukan PT.Pegadaian (Persero) dalam solusi pemenangan dalam pelaksanaan jaminan fidusia di Cabang PT.Pegadaian (Persero) Cabang Kota Malang menurut Pasal 30 Undang-Undang Nomor. 42 Tahun 1999 Tentang Fidusia. Penelitian ini menggunakan pendekatan yuridis sosiologis, sumber data primer dari hasil dan data sekunder dari dokumentasi dan perundang-undangan. Teknik dalam penelitian ini menggunakan observasi dan wawancara. Hasil Penelitian ini implementasi yang digunakan adalah teori efektifitas hukum menurut Soerjono Soekanto yang dianalisis melalui 4 faktor. Kendalanya program pencairan dana KREASI agak terlambat dikarenakan masih banyak pelanggan yang terlambat membayar cicilan, nasabh menolak untuk dilaksanakan, hal-hal yang tidak...
In the current era, which is marked by increasingly intense globalization, qualified human resour... more In the current era, which is marked by increasingly intense globalization, qualified human resources are absolutely necessary. One way to improve HR is through education. One of the educational institutions that can be chosen is the Islamic boarding school. The purpose of education in Pondok pesantren is to improve morale, train and enhance morale, respect spiritual and human values, teach honest and moral attitudes and behavior, and prepare students to be taught about religious ethics above other ethics. In the education system ponpes there are entrepreneurship education, where learning is in line with the increase in human resources especially to prepare the independence of students / students in entrepreneurship after graduating from Pondok pesantren with self-efficacy equipped with skills. In creating jobs, the family environment is an important factor to shape the personality of children in entrepreneurship, especially of entrepreneurial family factors Therefore, this study aim...
BHAKTI: JURNAL PENGABDIAN DAN PEMBERDAYAAN MASYARAKAT
The volatility of chili prices is a protracted problem that has not been completely resolved. Mea... more The volatility of chili prices is a protracted problem that has not been completely resolved. Meanwhile, the majority of Dusun Responsibility Mulyo people are chili farmers whose livelihoods are supported by the sale of chili products. Therefore, this service is carried out with the aim of maintaining the stability of chili farmers' income which has an impact on the welfare of the Dusun Responsibility Mulyo community and stimulates the potential of MSMEs in the village. The method used is PAR and a case study approach with participatory observation. The solution that can be used is to conduct training and provide assistance in processing chili products into semi-finished processed materials, namely “Abon Cabai”
Indonesian Journal of Business and Entrepreneurship, 2020
This study aimed to reveal the process of internalizing the self-reliance values of santri in the... more This study aimed to reveal the process of internalizing the self-reliance values of santri in the digital era at pondok pesantren Malang Raya, East Java. The approach of this study was descriptive and qualitative. The data were collected through in-depth interviews and observations with the respondents consisting of three kiai, five board of pondok pesantren, three teachers, and eight students. The data analysis used a simultaneous stage model consisting of approach, extracting, deepening, matching, interpretation, and presentation. The results showed that the character values implanted were the values of independence, namely not depending on others and not oriented to the company/employee organization. The value cultivation system was carried out using the kiai's teachings through learning based on the available ulama books and practical assignments to assist trading businesses, product processing, and services in pondok pesantren's cooperative. Utilization and understanding of the use of internet technology is very appropriate in the context of reducing the character ordering morality.