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All Journal MANDAR: Management Development and Applied Research Journal Global Leadership Organizational Research in Management
Muhammad Alwi Hapri
Universitas Sulawesi Barat
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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The Impact of Financial Technology Development on Micro, Small, and Medium Enterprises in Ternate City Agatha Christy Situru; Zandy Zain; Hijrasil; Muhammad Alwi Hapri; Abi Suar
MANDAR: Management Development and Applied Research Journal Vol. 8 No. 2 (2026): June Period
Publisher : Universitas Sulawesi Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31605/mandar.v8i2.6431

Abstract

This study focuses on the impact of Financial Technology (fintech) developments on the performance and growth of Micro, Small, and Medium Enterprises (MSMEs) in Ternate City. The rapid advancement of fintech has brought changes to the business ecosystem, particularly regarding the ease of obtaining capital, the implementation of digital payment systems, and financial management practices among MSMEs. This study uses a quantitative method through a survey distributed to 120 MSMEs in Ternate City determined by purposive sampling technique. Data collection was carried out using a structured questionnaire, and data analysis was carried out using multiple linear regression using SPSS version 26 software. The independent variables in this study consist of the use of digital payment services (X1), access to fintech financing, and digital financial literacy, while the dependent variable is MSME performance which is assessed based on increased turnover, operational efficiency, and expansion of market reach. The findings of this study are expected to provide a comprehensive picture of the role of fintech adoption in supporting the development of MSMEs in Ternate City, while generating policy recommendations for the government and stakeholders to accelerate the digitalization of the economy at the local level
Pemetaan Manajemen Rantai Pasok dan Strategi Efisiensi Distribusi Logistik Perikanan Tangkap di Kabupaten Polewali Mandar Muhammad Fauzan; Badirun Basir; Muhammad Alwi Hapri
Global Leadership Organizational Research in Management Vol. 4 No. 4 (2026): Global Leadership Organizational Research in Management
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/glory.v4i4.4163

Abstract

Capture fisheries in Polewali Mandar record substantial production, but limited cold-chain services, unequal price information, and dependence on collectors constrain the value received by fishers. This study maps product, information, and value flows and formulates strategies for improving logistics distribution. An exploratory qualitative case study involved nine informants: five fishers, two collectors, one fish-landing-base manager, and one representative of the Marine and Fisheries Office. Interviews, observations, and documents were analyzed through supply-chain mapping, source triangulation, and SOAR. Three channels were identified: collector-based distribution, transactions through the landing base, and direct sales by fishers’ families. Collectors consolidate supply, grade fish, finance operations, and connect markets; however, informal financing may narrow fishers’ buyer choices. Critical points include inconsistent icing, limited storage, waiting time, non-uniform grading, transport without active refrigeration, and incomplete transaction records. The integration of three-flow mapping and SOAR produces staged proposals covering handling standards, price transparency, collective marketing, strengthened landing-base services, shared cold-chain facilities, and data-based market expansion. These proposals remain implementation targets rather than measured impacts.
Co-Authors Abi Suar Agatha Christy Situru Badirun Basir Hijrasil Muhammad Fauzan Zandy Zain