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Novitasari Agus Saputri
Universitas Muhammadiyah Malang
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Journal : EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS)

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Readiness of SMEs on Digital Payment for Business Sustainbility Novitasari Agus Saputri
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 3 No 2 (2021): November 2021
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v3i2.1079

Abstract

This study aims to analyze the readiness of MSMEs in using digital payments to support business sustainability in terms of the level of risks and benefits of using digital payments, the facilities they have, the ability to use digital payments and the needs of MSMEs for digital payments along with the development of current technology. The data analysis technique used was descriptive qualitative data analysis technique with the stages of data analysis, namely the data documentation stage, data reduction, data display and drawing conclusions. The results of this study indicate that in general the respondents, namely MSME business actors, strongly agree to use e-money in carrying out company operations. The use of e-m money is considered effective to support the company's operational activities. Apart from that, the use of e-money provides overall usefulness. The use of e-money is likely to pose risks to its users, both time and cost risks. In addition to the risks to be faced, respondents have the assumption that the use of e-money will also face losses. The losses are not proportional to the benefits to be received in the future. This is reinforced by previous research which stated that several factors that influence someone to adopt technology in the form of using electronic money are security and confidentiality, usability benefits, user convenience, fun, trust and risk. Meanwhile, the use of digital payments is considered capable of supporting business sustainability.
Digitalisasi Pembiayaan: Atensi UMKM Dalam Memanfaatkan Pembiayaan Peer To Peer Lending Novitasari Agus Saputri; Agustin Dwi Haryanti; Thoufan Nur
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 3 No 3 (2022): February 2022
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v3i3.1235

Abstract

This study aims to analyze the attention and motivation of Micro, Small and Medium Enterprises (MSMEs) towards online funding that utilizes technology. Indonesia has issued a regulation through the Financial Services Authority (OJK) Number 77/POJK.01/2016 concerning Information Technology-Based Lending and Borrowing Services. This service is the provision of financial services to bring together lenders and loan recipients through an electronic system using the internet network. OJK regulations have given birth to several of these service providers. OJK recorded 164 (one hundred and sixty four) legal financial technology (fintech) companies developing in Indonesia. The fintech company managed to record 18,569,123 (eighteen million five hundred sixty-nine thousand one hundred twenty-three) borrower accounts. This service is able to channel funding of Rp. 81,497,051,000,000,- (eighty one trillion four hundred ninety seven billion fifty one million rupiah). Data and information are recorded on the OJK website, namely www.ojk.go.id. The results of this study have an R2 value of 15.3% which shows that the influence of risk variables, understanding of finance and the ease of using fintech on interest in using fintech in terms of financing, namely Peer To Peer Landing. This value is very small when compared to other influential variables. The value of 84.7% is most likely influenced by other variables
Co-Authors Agustin Dwi Hariyanti Agustin Dwi Haryanti Ahmad Rizki Maulana Arif Kusuma Firdaus Aviani Widyastuti Dhaniel Syam Fatita Rachma Laudira Ihyaul Ulum Ike Arisanti Muhamad Wildan Affan Muhammad Wildan Affan Septiana Nurhayati Thoufan Nur Thoufan Nur Ulya Zhafirah Wardah