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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Penelitian Ekonomi Akuntansi (JENSI) INVEST : Jurnal Inovasi Bisnis dan Akuntansi Jurnal Pengabdian Masyarakat dan Riset Pendidikan
Aswadi Lubis
Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan
Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Pengaruh Fintech dan Literasi Keuangan terhadap Kinerja UMKM dengan Peran Moderasi Digital Marketing Budi Gautama Siregar; Muhammad Salman; Aswadi Lubis; Difla Ulil Ilvi Khasanah
Jurnal Penelitian Ekonomi Akuntansi Vol 10 No 1 (2026)
Publisher : Program Studi Akuntansi Fakultas Ekonomi Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jensi.v10i1.14428

Abstract

This study aims to analyze the effect of financial technology, financial literacy, and digital marketing on the performance of MSMEs in Padangsidimpuan City using the Technology Acceptance Model approach. The research employs a quantitative method with Structural Equation Modeling based on Partial Least Square (SEM-PLS) as the analytical technique. The results indicate that financial technology has a positive and significant effect on MSME performance, although its contribution is relatively moderate. Meanwhile, financial literacy is found to be the most dominant variable in improving business performance, as strong financial management capabilities lead to more effective decision-making. Digital marketing also has a positive impact on MSME performance and acts as a moderating variable that strengthens the relationship between fintech, financial literacy, and business performance. Overall, the findings reveal that MSME performance is influenced not only by technology adoption but also by human resource capacity and digital marketing strategies. Therefore, synergy among fintech utilization, financial literacy enhancement, and digital marketing optimization is essential. The limitation of this study lies in its limited geographical scope and reliance on perception-based data. Future research is recommended to expand the study area and incorporate additional variables for more comprehensive results.
Digital Corruption and Business Performance in the Digital Economy Budi Gautama Siregar; Muhammad Salman; Aswadi Lubis
INVEST : Jurnal Inovasi Bisnis dan Akuntansi Vol. 7 No. 2 (2026): INVEST : Jurnal Inovasi Bisnis dan Akuntansi
Publisher : Lembaga Riset dan Inovasi Al-Matani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55583/9rvg0623

Abstract

Digital corruption has become an important governance issue in the digital business environment. The increasing use of digital platforms, electronic payment systems, e-government services, and information technology has improved transparency and efficiency, but it has also created new opportunities for fraud, bribery, data manipulation, and misuse of digital systems. This study aims to examine the development of research on digital corruption and business performance through a bibliometric and literature review approach. Data were collected from Scopus-indexed publications during the 2017–2023 period using keywords related to digital corruption and business performance. The search identified nine publications, but only seven articles were directly relevant to the topic after screening based on title, abstract, and research focus. The findings show that research on digital corruption and business performance remains limited and fragmented. Most studies focus on digital transformation, e-government, institutional effectiveness, digital payment, and anti-corruption mechanisms, while firm-level studies remain scarce. The review also indicates that digital transformation and digital payment systems can reduce corruption by improving transparency, traceability, accountability, and monitoring. However, weak governance, poor cybersecurity, and limited internal control can turn digital systems into new channels for corrupt practices. This study contributes to the literature by positioning digital corruption as a strategic business governance risk that can affect financial performance, operational efficiency, innovation, stakeholder trust, and organizational sustainability. Future research should empirically examine the relationship between digital corruption and business performance in sectors with high digital transaction intensity, such as banking, financial technology, education, e-commerce, accounting services, and public procurement.
Kesejahteraan Masyarakat Akibat Aktivitas Ekonomi terhadap di Kawasan Kalangan Kabupaten Tapanuli Tengah Aswadi Lubis; Ali Hardana; Muhammad Isa
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 2 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i2.25778

Abstract

Dalam artikel ini, dampak kegiatan ekonomi terhadap kesejahteraan masyarakat di Kalangan dibahas. Tujuan dari penelitian ini adalah untuk menjelaskan bagaimana kesejahteraan masyarakat di Kalangan dipengaruhi oleh ekonomi. Studi ini menggunakan pendekatan kualitatif. Peneliti melihat apa yang dilakukan oleh orang-orang di Jalan Kalangan saat mengumpulkan data melalui metode observasi. Dimulai dengan pertanyaan tentang masalah ekonomi yang memengaruhi kesejahteraan masyarakat, dan diikuti dengan pengumpulan dokumentasi, di mana peneliti mengumpulkan data tentang aktivitas ekonomi pedagan di Kalangan. Hasil penelitian menunjukkan bahwa aktivitas ekonomi telah meningkatkan pendapatan ekonomi masyarakatdan pengumpulan informasi melalui studi dokumentasi di mana peneliti mengumpulkan data tentang aktivitas ekonomi pedagan di Kalangan. Hasil penelitian menunjukkan bahwa aktivitas ekonomi telah meningkatkan pendapatan ekonomi masyarakat. Kawasan Kalangan sangat ramai dan menarik karena berada di dekat Sekolah Tinggi Agama Islam Swasta Kabupaten Tapanuli Tengah. Sebaliknya, keramaian juga memiliki efek negatif, seperti kemacetan dan risiko kecelakan lalu lintas..
Islamic Financial Technology di Indonesia: Perkembangan, Peluang, dan Tantangan dalam Ekosistem Keuangan Syariah: Penelitian Juli Anda Mora Rangkuti; Fatma Azra Rahmawani; M. Fauzan; Aswadi Lubis
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 5 No. 2 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 5 Nomor 2 (October 202
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v5i2.8125

Abstract

Perkembangan teknologi digital telah menciptakan peluang baru bagi layanan keuangan syariah di Indonesia melalui Islamic fintech, terutama untuk memperluas akses dan mendukung UMKM. Namun, pertumbuhan ini belum sepenuhnya diikuti oleh pemahaman dan pemanfaatan masyarakat. Penelitian ini menganalisis perkembangan Islamic fintech di Indonesia, peluangnya dalam ekosistem keuangan syariah, serta tantangan yang memengaruhi perkembangannya. Dengan pendekatan deskriptif kualitatif melalui studi literatur terhadap sumber akademik dan institusional, hasil penelitian menunjukkan bahwa Islamic fintech telah berkembang melalui pembiayaan digital, pembayaran, investasi, dan keuangan sosial syariah. Perkembangan tersebut memperluas akses layanan keuangan syariah, meskipun pemanfaatannya masih dipengaruhi oleh kesenjangan literasi dan inklusi. SNLIK 2024 mencatat literasi keuangan syariah sebesar 39,11% dan inklusi 12,88%. Penelitian ini juga mengidentifikasi tantangan terkait kepatuhan syariah, transparansi akad, keamanan data, perlindungan konsumen, penyelesaian sengketa, dan pengawasan. Oleh karena itu, pengembangan Islamic fintech perlu diikuti peningkatan literasi keuangan, transparansi, kepatuhan syariah, keamanan data, perlindungan konsumen, serta penguatan pengawasan regulasi.
Co-Authors Difla Ulil Ilvi Khasanah Fatma Azra Rahmawani Juli Anda Mora Rangkuti M. Fauzan Muhammad Isa Muhammad Salman SIREGAR, BUDI GAUTAMA