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All Journal Sosiohumaniora Dharmakarya : Jurnal Aplikasi Ipteks Untuk Masyarakat Cosmogov: Jurnal Ilmu Pemerintahan AdBispreneur Resona : Jurnal Ilmiah Pengabdian Masyarakat Ganaya: Jurnal Ilmu Sosial dan Humaniora JURISMA: Jurnal Riset Bisnis & Manajemen JIKA: Jurnal Ilmu Keuangan dan Perbankan Jurnal Agregasi Jurnal Common Jurnal Ilmu Politik dan Komunikasi Kumawula: Jurnal Pengabdian Kepada Masyarakat Journal of Governance and Local Politics (JGLP) Journal of Tourism and Economic Community Empowerment Jurnal Administrasi Publik dan Pembangunan (JPP) Intermestic: Journal of International Studies MODERAT: Jurnal Ilmiah Ilmu Pemerintahan
Poni Sukaesih Kurniati
Universitas Komputer Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Journal : AdBispreneur

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PENGGUNAAN DIGITAL PAYMENT PADA USAHA MIKRO, KECIL, DAN MENENGAH Suryanto Suryanto; Herwan Abdul Muhyi; Poni Sukaesih Kurniati
AdBispreneur : Jurnal Pemikiran dan Penelitian Administrasi Bisnis dan Kewirausahaan Vol 7, No 1 (2022): AdBispreneur : Jurnal Pemikiran dan Penelitian Administrasi Bisnis dan Kewirausa
Publisher : Departemen Ilmu Administrasi Bisnis, Fakultas Ilmu Sosial dan Ilmu Politik, UNPAD

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24198/adbispreneur.v7i1.39452

Abstract

This study aims to analyze the transformation of micro, small and medium enterprise (MSMEs) financing in Indonesia. This research is motivated by the phenomenon of MSMEs, which often face problems in financing. However, on the other hand, financial institutions find it difficult to find a database of MSMEs to channel their loans. This study uses a descriptive method with a qualitative approach. Sources of data were obtained from various sources, both primary and secondary. Primary data is obtained from statements made by informants from the Financial Services Authority, the Association of Indonesian Crowdfunding Services, crowdfunding players, and MSMEs that have taken advantage of crowdfunding. Meanwhile, secondary data were obtained from several published articles. The results show that the government has helped provide a source of financing for MSMEs, both through banking and non-banking. However, there were several obstacles that occurred in the field, both from MSMEs and financial institutions. The presence of securities crowdfunding instruments raises new hopes for MSMEs in fulfilling financing. In addition to an easy submission procedure, access can also be done via a digital platform.Penelitian ini bertujuan untuk menganalisis penggunaan digital payment pada Usaha Mikro, Kecil Dan Menengah (UMKM). Metode penelitian yang digunakan adalah kualitatif dengan jenis penelitian eksploratif. Sumber data diperoleh dari hasil wawancara mendalam dan studi literatur. Wawancara dilakukan dengan beberapa informan, antara lain: perusahaan asosiasi fintech, Bank Indonesia, Asosiasi UMKM Indonesia, dan perusahaan pengguna digital payment. Hasil penelitian menunjukkan bahwa penggunaan system pembayaran telah mengalami evolusi sejak jaman barter hingga system digital payment. Penggunaan system digital payment banyak memberikan beberapa manfaat. Adapun manfaat penggunaan digital payment dapat dirasakan baik oleh pelaku usaha sendiri maupun oleh konsumen. Dengan demikian penggunaan digital payment mampu meningkatkan efektivitas dan efesiensi khususnya bagi pelaku UMKM. Kesimpulan dari penelitian ini bahwa penggunaan digital payment mampu meberikan berbagai manfaat bagi pelaku UMKM.
Co-Authors Aldi Hamzah Anugrah Alfi Syahrin, Muhamad Nur Arijal Julhaijan Lutpi Candradewini Candradewini Candradewini Candradewini, Candradewini Dendi Herdiansyah Dewi Kurniasih Edo Rahmat Hidayat Faiza Nur Safitri Finna Afrilia Elmanda Herwan Abdul Muhyi Herwan Abdul Muhyi Karniawati, Nia Kurniasih, Dewi Leonardi Paris Hasugian Lukas Alberto Ndoa Muhamad Nur Alfi Syahrin Rahma Dewi Ranti Tri Gislawati Rino Adibowo Roland Carolos Selvia Lorena Br Ginting Sri Dewi Anggadini Suryanto Suryanto Suryanto Suryanto Tatik Fidowaty Tatik Fidowaty Yogie Rinaldy Ginting