Coopetition and micro, small and medium enterprises performance

MSMEs are critical to economic growth but often face challenges that limit their performance. The research examines the influence of information technology, Total Quality Management (TQM), training, rewards, and level of education on the performance of Micro, Small, and Medium Enterprises (MSMEs) in Padang. The research population comprised all MSME business actors in Padang, totaling 42,452 business units. The number of samples was determined using the Slovin formula; therefore, the number of samples in this study was 397 units. Data collection was carried out by distributing questionnaires. Data analysis will be performed using Structural Equation Modeling (SEM) with Smart-PLS software. The research results show that information technology, training, and education levels positively and significantly influence the MSME's performance. However, TQM and reward do not have a significant influence on MSMEs in Padang. This research recommends that MSMEs utilize and use information technology in their operations. Then, MSME business people must include employees in functional training and select employees with a higher level of education. This research contributes to understanding how Information Technology, Total Quality Management, Training, Reward, and Education collectively impact MSMEs' performance, providing valuable insights for improving their operational efficiency and growth.

This study explores the impact of fintech payment and e-commerce adoption on the performance of Micro, Small, and Medium Enterprises (MSMEs), focusing on the moderating role of the cashless society. Using a quantitative approach, data were collected from MSMEs operating in Central Java to examine how digital financial solutions influence business performance. The findings reveal that fintech payment adoption enhances MSME performance by improving transaction efficiency, financial management, and access to a broader market. However, e-commerce adoption does not directly affect MSME performance, which may be attributed to challenges such as technological readiness, digital literacy, and infrastructure limitations. The cashless society strengthens the impact of fintech payments on MSME performance, indicating that the shift toward digital transactions provides competitive advantages for MSMEs. However, its role in moderating the effect of e-commerce on MSME performance remains limited, suggesting that successful e-commerce adoption requires additional supporting factors. These findings underscore the importance of digital payment integration for MSMEs and highlight the need for financial literacy programs, digital mentoring, and infrastructure development to support MSMEs in adapting to an increasingly digital economy. This study provides valuable insights for policymakers, financial institutions, and MSME stakeholders in shaping strategies to enhance digital transformation and financial inclusion in the MSME sector.

Micro, Small, and Medium Enterprises (SMEs) are currently the largest segment of national economic actors. Small industry plays an important role as a tool for the community as a solution to survive the economic crisis. SMEs can help the government to reduce the number of unemployed. So that in Indonesia, small businesses are often associated with government efforts to reduce unemployment, fight poverty and equalize income. Many products produced by MSMEs are currently able to compete in the domestic market. Some MSMEs still have various external and internal weaknesses, such as being less creative and innovative in creating new products, and not knowing what the market needs. The purpose of this study is to determine whether product, price, promotion, and location have a joint effect on the marketing performance of Micro, Small, and Medium Enterprises. This study used a quantitative approach and the sample this study was only taken from as many as 80 UMKM consumers. The data analysis technique used is the validity test, reliability test, normality test, linearity test, and homogeneity test. Testing the analytical model in this study using multiple linear regression analysis, t-test, f test, and r determination. Based on the results of the study using the t-test, it was found that the product had a significant effect on the marketing performance of Micro, Small, and Medium Enterprises, the price had no significant effect on the marketing performance of Micro, Small and Medium Enterprises, the promotion had no and no significant effect on the marketing performance of Micro, Small and Medium Enterprises. , location has a significant effect on the marketing performance of Micro, Small, and Medium Enterprises. From the f test, it is found that product, price, promotion, and location together have a significant effect on the marketing performance of Micro, Small, and Medium Enterprises.

The study investigates the relationship between supplier communication and the performance of Micro, Small, and Medium Enterprises (MSMEs) in Nairobi City County, Kenya. Supplier communication was found to play a pivotal role in the operational efficiency and overall performance of MSMEs, especially in dynamic markets. Despite adopting Supplier Relationship Management (SRM) practices, many MSMEs continued to experience challenges such as poor record management, unclear expectations, and a lack of timely feedback. These communication issues contributed to delays, misunderstandings, and increased costs, which negatively impacted business growth. The study applied the Communication Accommodation Theory to explain how MSMEs adapted their communication styles in both high-context and low-context cultures. Using a cross-sectional research design, the study collected data from 373 MSMEs under the Access to Government Procurement Opportunities (AGPO) program. The results revealed a significant positive relationship between supplier communication and performance, with regression analysis showing that supplier communication explained 58.7% of the variance in MSME performance. The findings aligned with previous studies, emphasizing the importance of communication for successful supplier collaboration and supply chain management. The study concluded that frequent, transparent communication with suppliers improved product and service delivery and operational efficiency. Recommendations included investing in technologies that enhance communication and developing policies to support ongoing supplier relationship management. Further research could explore the impact of digital technologies on supplier communication and how communication with international suppliers influences MSME performance.

This paper investigates how the impact of the COVID-19 pandemic crisis affects the innovation of Micro, small and medium enterprises (MSME) in Indonesia and how innovation, namely product, process, marketing, and organizational innovation, acts as a mediator for MSME performance. An integrated conceptual framework is developed and empirically tested using cross-sectional survey design data from 300 MSME owners in Indonesia. Structural Equation Modelling (SEM) software Smart PLS examines the hypotheses testing. Descriptive analysis is also used to provide demographic data of the owners of MSMEs in Indonesia. This study reveals that the COVID-19 pandemic crisis significantly and positively impacts four dimensions of innovation. The results indicate that the pandemic triggered the MSME owners to innovate or adapt. This study also found that four dimensions of innovation partially mediate the COVID-19 pandemic crisis and MSME performance relationship. The results show that product, marketing, and organizational innovation significantly impact MSME performance. With marketing innovation as the lowest innovation dimension that affects performance, and organizational innovation as a major contributor that significantly impacts MSME performance. However, the results also demonstrate that among the four dimensions of innovation, process innovation does not significantly impact MSME performance which is highlighted by an indicator such as reducing production cost. This shows that reducing production costs is optional and does not mean that the performance of MSME will increase significantly. Therefore, the findings of this study are set to advance theories in MSME innovation and performance. It also presents important implications for the MSME owners to develop a successful and sustainable MSME industry.

This study aims to analyze the influence of financial capital, financial technology, and financial behavior on the performance of Micro, Small, and Medium Enterprises (MSMEs) in Sampang Regency. The method used is a quantitative method involving 50 MSME actors as research samples. Data were collected using a Likert-based questionnaire, which was designed to measure research variables systematically. The data analysis process was carried out using SPSS software. The results of the study showed that financial capital has a positive and significant influence on MSME performance. Similar things were also found in financial technology and financial behavior, where both variables had a significant positive influence on MSME performance. In addition, the results of the simultaneous test revealed that the three variables—financial capital, financial technology, and financial behavior—together had a significant influence on MSME performance in Sampang Regency. Thus, this study confirms the importance of financial and behavioral factors in supporting the success of MSMEs, especially in the research area. This conclusion provides important insights for MSME actors and policy makers to strengthen these factors in order to improve the performance of the MSME sector in Sampang Regency.

This study aims to analyze the effect of financial literacy and digital payment on the performance of Micro, Small and Medium Enterprises (MSMEs) in Tomohon City. Using a quantitative approach with the type of explanatory research, this study involved respondents of MSME actors who were taken through proportional stratified random sampling techniques. Data analysis was conducted using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS) with SmartPLS software version 4.0. The results showed that financial literacy has a positive and significant effect on MSME performance, indicating that increasing the understanding and ability of MSME actors in managing the financial aspects of the business is a crucial factor in improving business performance. MSME players with good financial literacy show superior ability to manage cash flow, conduct strategic business planning, and make the right investment decisions. In contrast, digital payment does not show a significant effect on MSME performance, although the direction of the relationship shows a positive trend. The findings provide important implications that financial literacy improvement programs need to be prioritized in the development of MSMEs, while the adoption of digital payment technology requires a more holistic approach by considering supporting factors such as technological infrastructure, digital literacy, and local market characteristics.

Purpose: This study aims to examine the impact of customer orientation, competitor orientation, and brand commitment on the business performance of Micro, Small, and Medium Enterprises (MSMEs), focusing on the moderating role of artificial intelligence (AI) in enhancing strategic responsiveness and competitiveness in the digital transformation era.Method: A quantitative explanatory approach was used, involving structured questionnaires distributed to 373 MSME owners and managers in Lowokwaru District, Malang City. Data analysis was conducted using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS software to assess both direct and moderating effects. Reliability and validity tests were performed through composite reliability and average variance extracted (AVE) analysis.Result: We found that customer orientation, competitor orientation, and brand commitment significantly and positively influenced MSME performance. However, AI did not significantly moderate these relationships, indicating that AI adoption among MSMEs is still in the early stages and has not yet shown measurable effects. Despite this, AI adopters exhibited improved operational efficiency and decision-making accuracy.Practical Implications for Economic Growth and Development: The study highlights the need for MSMEs to strengthen customer focus, competitor awareness, and brand commitment to enhance business performance. Although AI did not show a moderating effect, gradual adoption of AI technologies could improve efficiency, innovation, and competitiveness, fostering regional economic growth.Originality/Value: This research contributes to the literature by integrating AI as a moderating variable in the relationship between marketing orientation and business performance, offering empirical evidence that extends AI-based strategic capability models within the MSME context.

This article reviews and synthesizes existing literature on the role of Accounting Information Systems (AIS) in improving the performance of Micro, Small, and Medium Enterprises (MSMEs) in the post-pandemic recovery period. The pandemic accelerated the need for digital tools, making AIS an essential component for enhancing financial transparency, operational efficiency, and business resilience. Using a descriptive qualitative approach based on an article review method, this study analyzes journal publications, conceptual papers, and empirical studies published between 2015 and 2025 that discuss AIS adoption, MSME digital transformation, and post-pandemic business recovery. The review identifies three dominant contributions of AIS to MSME performance: (1) improving operational efficiency through automation of financial processes, (2) strengthening the accuracy, reliability, and transparency of financial reporting, and (3) enhancing managerial decision-making by providing real-time and data-driven insights. In addition, the literature highlights several persistent challenges faced by MSMEs, including limited digital skills, inadequate technological infrastructure, and financial constraints that hinder AIS implementation. This review contributes to a deeper conceptual understanding of AIS as a strategic tool for MSME performance improvement in the post-pandemic era. It also provides practical implications for MSME practitioners and policymakers to strengthen digital capability, promote technology adoption, and support the sustainability and competitiveness of MSMEs in a rapidly evolving digital environment

This study aims to analyze the influence of financial literacy, financial technology (fintech), and financial inclusion on the performance of micro, small, and medium enterprises (MSMEs) in Bandar Lampung City. Financial literacy is an important factor that allows MSMEs to understand financial products and services effectively. Meanwhile, fintech provides easy access to various financial services, which are expected to improve MSME operations. Financial inclusion, which involves accessibility of financial services for all levels of society, plays an important role in supporting the development of MSMEs.This type of research uses quantitative research with an ex-post-facto approach . The population of this study is MSME actors in Bandar Lampung City with a sample size of 106 MSME actors. The location of the study is in Bandar Lampung City. Data collection was carried out by distributing questionnaires. The validity of the instrument using the Person Product Moment correlation resulted in 53 items being declared valid. The reliability test of the instrument used Alpha Croncah ( α > 0.60), the results showed that all variables were declared reliable. The prerequisites for the analysis were tested through normality, multicollinearity and heteroscedasticity tests. Data analysis using multiple linear regression was used to test the effect of independent variables simultaneously on the dependent variable. The results of the study show that: (1) there is a positive and significant influence of financial literacy on the performance of MSMEs in Bandar Lampung City which is quite large, namely if every 1 unit increase in financial literacy can increase MSME performance by 0.528 units . (2) There is a positive and significant influence of the FinTech variable on the performance of MSMEs in Bandar Lampung City which is quite large, namely if every 1 unit increase in the adoption of financial technology has the potential to increase MSME performance by 0.518 units. (3) There is a positive and significant influence on the financial inclusion variable on the performance of MSMEs in Bandar Lampung City which is smaller, namely an increase of 0.204 units . (4) There is a simultaneous and positive influence of financial literacy, fintech, and financial inclusion on the performance of MSMEs in Bandar Lampung City at a confidence level of 99%.

This study aims to analyze the effect of digital literacy and e-commerce utilization on the performance of Micro, Small and Medium Enterprises (MSMEs) in Batam City. Digital literacy is an individual's ability to understand, manage, and utilize information technology effectively in supporting business activities. On the other hand, e-commerce has become a strategic tool that helps MSMEs reach a wider market, improve operational efficiency, and strengthen competitiveness. This research is motivated by the rapid development of technology and the need for MSMEs to adapt to the digital era. The object of this research is MSMEs in Batam city with a sample size of 71 MSMEs. The research data were obtained with the help of questionnaire distribution. The data is processed using the SPSS application. The results of the study are partially digital literacy and ecommerce utilization have a significant effect on MSME performance. Simultaneously, digital literacy and e-commerce utilization have a significant effect on the performance of MSMEs in Batam city. From the results of this study, it is hoped that MSME players can adopt digital in an effort to increase the benefits obtained.

This research aims to examine aspects of human capital that influence the performance of Micro, Small, and Medium Enterprises (MSMEs). Drawing on an extensive review of literature from indexed journal databases, the study focused on identifying key factors related to "human capital" and "MSME performance." The comprehensive exploration revealed a multifaceted relationship between human capital aspects and MSME performance, unveiling pivotal influencers. The identified aspects of human capital found to exert a substantial influence on MSME performance encompass a wide spectrum. These include skills and competencies, education and training, employee motivation and engagement, employee health and welfare, innovation and creativity, communication and collaboration, digital skills, work ethics and organizational values, entrepreneurship and sense of ownership, as well as organizational diversity. This research contributes valuable insights for policymakers aiming to enhance the human capital capabilities of MSME entrepreneurs. By addressing these specific dimensions, policymakers can formulate targeted strategies to uplift the human capital landscape within MSMEs. Consequently, this targeted approach is anticipated to render MSMEs more productive, sustainable, and equipped to venture into international markets.

This study aims to analyze the influence of financial literacy, access to capital, and interest in using e-commerce on the performance of Micro, Small, and Medium Enterprises (MSMEs) in Sumbawa Regency. MSMEs are recognized as the backbone of Indonesia's economy, contributing significantly to employment absorption and national Gross Domestic Product (GDP). However, MSME performance still faces several challenges, such as low levels of financial literacy, limited access to capital, and uneven adoption of digital technology. This research employs a quantitative approach with an explanatory design. Data were collected through structured questionnaires distributed to 100 MSME actors using stratified random sampling. The data were analyzed using multiple linear regression with classical assumption tests to ensure model validity. The results show that financial literacy has a positive and significant effect on MSME performance, highlighting the importance of cash, credit, and financial planning management skills. Access to capital has the strongest positive influence, emphasizing the vital role of funding in business expansion, innovation, and productivity. Moreover, interest in using e-commerce also has a significant positive effect, indicating that the use of digital platforms can expand market reach and improve efficiency. Overall, these findings underscore the importance of strengthening internal resources such as human capital, financial capacity, and technological adoption as key strategies to enhance the sustainability and competitiveness of MSMEs.

Fast technological evolution and intensity of competition oblige companies to constantly seek for new ways to differentiate and offer added value to their customers. With the increasing popularity of social media, companies have started to consider this means as a new way to communicate with their customers and increase their brand reputation. One of the most notable phenomena of new media is how it has increased and created new forms of social interaction.In Kenya, despite the critical role played by the Small and Medium Enterprises (SMEs) in the country, research has shown that 90% business startups fail in their third year and especially those owned by the youths The general purpose of the study was to establish the influence of social media marketing on performance of small and medium businesses in Nairobi’s industrial area. This study adopted a descriptive research design. Official records of AGPO as at December 2023 showed that there are 13,011 youth-owned businesses registered in the county of Nairobi with the Youth Access to Government Procurement Opportunities Program (YAGPO). The study used the 10-30% Mugenda Sampling principle to calculate the sample size of 130 SMEs. The first specific objective was to establish the extent Social Media Platforms Influence the Performance of Small and Medium Enterprises. A Pearson correlation analysis was done to establish the relationship between social media platform on performance of SMEs and the result established a significant positive relationship between social media platform used and the performance of SMEs (r=.811, p value =0.000). The second specific objective was to establish the extent bloggers influence the performance of Small and Medium Enterprises. A Pearson correlation analysis was done to establish the relationship between blogger influence on performance of SMEs and the result established a significant positive relationship between blogger influence and the performance of SMEs (r=.730, p value =0.000). The third objective was to establish the extent social media messaging factors influence the performance of Small and Medium Enterprises. A Pearson correlation analysis was done to establish the relationship between messaging factors on performance of SMEs and the result established a significant positive relationship between social media messaging factors used and the performance of SMEs (r=.359, p value =0.000). The study concluded that use of social media marketing has a positive influence on performance of SMEs and recommended that there is need for SMEs to embrace the use of social media to market their products and that the government should support SMEs by providing affordable internet services.

This study aims to determine the influence of cloud computing-based accounting information systems on the performance of Micro, Small and Medium Enterprises (MSMEs) in Medan city. The number of samples is 93 MSMEs. Data were collected using online questionnaires distributed to respondents. The research method used is descriptive statistics with quantitative approach. The results of this study conducted found that the Sig. value of 0.000 < 0.05 and a regression coefficient value of 0.377, which indicates that the cloud computing-based accounting information system has influence on the MSMEs performance. The value of t count > t table of 5.747 > 2.990, which means that there is an impact of cloud computing-based accounting information systems on MSMEs performance. Pearson Correlation value 0.516 (r count) > 0.207 (r table) which means there is a positive correlation between cloud computing-based accounting information system variables and MSMEs performance. R Square value of 0.266 indicates the impact of cloud computing-based accounting information systems on MSMEs performance is 26.6%, while 73.4% is affected by other factors outside of thisstudy.