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All Journal MANDAR: Management Development and Applied Research Journal Jurnal Akademik Pengabdian Masyarakat Ichsan Sidenreng Rappang
Kurniawan
Universitas Ichsan Sidenreng Rappang
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences

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Penguatan Kompetensi Metodologi Kuantitatif Statistik Melalui Kegiatan Pelatihan Penulisan Penelitian Izharul Haq Lamada; Fakhruddin Kurnia M; Puspita Utari; Kurniawan; Ahmad Qadafi
Jurnal Akademik Pengabdian Masyarakat Ichsan Sidrap Vol 2 No 1 (2025): Juni
Publisher : Universitas Ichsan Sidenreng Rappang

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Abstract

The purpose of this training program on writing quantitative statistical research methods was to improve students' comprehension and proficiency in accurately applying quantitative research methodology. The curriculum tackles typical problems that students encounter, especially when it comes to creating research frameworks, handling statistical data, and rationally organizing the methodology section. Students from a variety of disciplines who were getting ready for or carrying out academic research participated in the training, which was held at the Pangkajene Regional Library in Sidenreng Rappang Regency. The training offered useful insights into creating variables, sampling strategies, basic statistical data processing, and choosing suitable analysis methods through an interdisciplinary approach. The results demonstrated that participants were better able to create more methodical and empirically supported research methodologies. It is anticipated that this training will play a major role in building a robust and welcoming research culture in higher education.
The Paradox of Digital Financial Inclusion: Unpacking the Alternative Credit Scoring Gap for MSMEs in FinTech Lending Busrin Raihana Mas'ud; Fadlina; Kurniawan; Alliah Grace D. Gubangco
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.v8i2.6784

Abstract

FinTech lending utilizes alternative credit scoring (ACS) based on digital footprints to expand financial inclusion for Micro, Small, and Medium Enterprises (MSMEs). However, this approach risks excluding marginalized MSMEs that lack extensive digital data. This study explores the paradoxical digital divide in MSME credit assessment and examines the potential of Accounting Information Systems (AIS) to bridge this gap. Employing a descriptive-exploratory qualitative approach, multiple case studies were conducted involving 15 MSME actors with varying digitalization levels in Parepare City, Indonesia. The findings reveal a "signal recognition gap": although most MSMEs possess adequate digital footprints and disciplined financial records, they still receive disproportionately low FinTech financing limits. Current FinTech algorithms appear to assess basic identity and loan history rather than actual business performance or structured accounting signals. Consequently, FinTech lending currently provides only "nominal inclusion" without substantive financial impact. Integrating AIS-generated financial reports into ACS algorithms is critical to provide accurate credit signals, mitigate information asymmetry, and achieve genuine financial inclusion for MSMEs
Co-Authors Ahmad Qadafi Alliah Grace D. Gubangco Busrin Raihana Mas'ud Fadlina Izharul Haq Lamada Kurnia M, Fakhruddin Puspita Utari