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Digital Transformation in MSMEs: How FinTech Adoption and Financial Literacy Drive Financial Resilience and Growth Burhanuddin Burhanuddin; Ekayani Burhanuddin; Yusran Yusran; Yuniarni Yuniarni; Alda Faradillah
ePaper Bisnis : International Journal of Entrepreneurship and Management Vol. 3 No. 2 (2026): ePaper Bisnis : International Journal of Entrepreneurship and Management
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/epaperbisnis.v3i2.721

Abstract

This study investigates the critical drivers of financial resilience and sustainable growth among Micro, Small, and Medium Enterprises (MSMEs) in emerging economies. The primary problems identified within the MSME sector are low financial literacy, poor bookkeeping standards, and an adaptive resistance to digital financial technologies (FinTech), which collectively trigger severe operational vulnerability. The objective of this research is to evaluate the direct impact of financial literacy and FinTech adoption on MSME financial resilience, alongside exploring the mediating role of structured financial risk management. Utilizing a quantitative approach, structural equation modeling via SmartPLS was applied to analyze data gathered from 150 registered MSME owners and managers. The empirical findings demonstrate a highly significant positive correlation: advanced financial literacy and robust FinTech integration drastically accelerate the establishment of institutional financial resilience. Furthermore, the synthesis reveals that financial risk management acts as a powerful mediating variable that mitigates cognitive dissonance and operational bottlenecks. In conclusion, combining financial literacy with digital infrastructure provides a scalable strategic framework that transitions MSMEs from structural vulnerability to digital-era resilience and long-term sustainability.
The Influence of Organizational Culture on Cooperation Apparatus at the Baringg Village Office, Lilirilau District, Soppeng Regency Burhanuddin Burhanuddin; Erna Erna; Asmanurhidayani Asmanurhidayani; Sofyan Marzuki; Eka Patmasari; Alda Faradillah
International Journal of Social Science and Humanity Vol. 3 No. 3 (2026): September : International Journal of Social Science and Humanity
Publisher : Asosiasi Penelitian dan Pengajar Ilmu Sosial Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijss.v3i3.682

Abstract

Each agency is formed with a specific purpose to be realized. The achievement of these goals is greatly influenced by the behavior, attitudes, and contributions of individuals in the organization. The success of an agency in realizing its goals depends on the ability of employees to carry out their functions and manage each work unit effectively. This is because the achievement of organizational goals is basically the result of the efforts, cooperation, and active role of all elements involved in the agency. The purpose of this study is to analyze the influence of organizational culture on the cooperation of the apparatus at the Baringg Village Office, Lilirilau District, Soppeng Regency. The research applied a quantitative approach with the census research type. The data analysis techniques applied include the analysis of correlation coefficients, determination coefficients, and simple linear regression, while data collection techniques are carried out by observation, documentation, and the distribution of questionnaires that are tailored to the needs of the research. The results of the study illustrate that the organizational culture and cooperation of the apparatus at the Baringeng Village Office are in the very good category. In addition, organizational culture has been proven to have a positive influence on the cooperation of apparatus with a very strong level of relationship. The magnitude of the influence exerted reached 76.1%, while the remaining 23.9% was influenced by other factors outside the variables studied in this study.