Seasonal Income Effects on Financial Awareness, Capability, and Risky Behavior in Agro-Industrial MSMEs in East Java
Agriculture,
Journal Year:
2025,
Volume and Issue:
15(7), P. 709 - 709
Published: March 26, 2025
This
study
examines
the
role
of
financial
awareness
(FA),
capability
(FC),
and
their
influence
on
risky
behaviors—risky
paying
behavior
(RPB),
borrowing
(RBB),
goals
(FGs)—among
agro-industrial
MSMEs
in
East
Java.
also
explores
moderating
effects
expected
future
security
(EFFS)
current
money
management
stress
(CMMS)
context
seasonal
income
fluctuations.
employed
a
quantitative
approach
using
structural
equation
modeling
(SEM)
with
SmartPLS
4.
Data
were
collected
through
surveys
287
MSME
owners
six
cities/regencies
Java,
selected
random
sampling
method.
The
research
variables
measured
validated
scales
adapted
from
previous
studies.
FA
significantly
influenced
FC,
RPB,
RBB,
whereas
FC
positively
impacted
FG.
RPB
had
strong
positive
effect
FG,
RBB
showed
no
significant
relationship.
mediation
between
FG
was
significant,
highlighting
its
pivotal
achieving
However,
EFFS
CMMS
FC–FG
relationship
not
suggesting
limited
direct
impact
this
context.
reveals
urgent
need
for
tailored
literacy
programs
that
address
specific
issues
faced
by
owners,
such
as
managing
irregular
cash
flows
minimizing
behavior.
Financial
institutions
should
develop
accessible
tools
products
MSMEs.
Language: Английский
Toward a Workplace and Workforce Transformation and the Necessity to Enrich Retail 5.0
Published: Jan. 1, 2024
Language: Английский
Assessing the Influence of Business Intelligence and Analytics and Data-Driven Culture on Managerial Performance: Evidence from Romania
Systems,
Journal Year:
2024,
Volume and Issue:
13(1), P. 2 - 2
Published: Dec. 24, 2024
Business
intelligence
and
analytics
(BI&A)
have
recently
emerged
as
a
strategic
approach
to
managerial
tasks,
providing
opportunities
improve
work
performance.
Despite
the
growing
interest
in
evaluating
cases
of
BI&A
adoption,
best
our
knowledge,
few
studies
addressed
influence
data-driven
culture
effects
adoption
specifically
on
performance
managers.
The
aim
this
study
is
assess
whether
predicts
companies
its
impact
decision-making
effectiveness
This
novel
research
model
was
tested
with
180
managers
from
Romanian
that
tools.
Based
PLS-SEM
data
analysis,
findings
suggest
data-oriented
strong
predictor
effectiveness.
results
also
confirm
utilization
positively
impacts
individual
primary
implication
drawn
empirical
evidence
executives
should
prioritize
cultivation
within
their
organizations,
essential
for
enhancing
through
business
analytics.
Language: Английский