Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
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This Author published in this journals
All Journal West Science Journal Economic and Entrepreneurship West Science Social and Humanities Studies
Hasmia Melati Arifin
University of Pattimura
Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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The Influence of Green Fintech Adoption and ESG Awareness on the Financial Performance of Startups in West Java Hasmia Melati Arifin; Dila Padilah Nurhasanah; Paramita Andiani
West Science Social and Humanities Studies Vol. 4 No. 04 (2026): West Science Social and Humanities Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsshs.v4i04.2845

Abstract

This study investigates the effect of green fintech adoption and ESG (Environmental, Social, and Governance) awareness on the financial performance of startups in West Java. A quantitative research design was employed using primary data collected from 85 startup actors through structured questionnaires measured on a five-point Likert scale. Data analysis was conducted using SPSS version 25, including validity and reliability testing, classical assumption tests, and multiple linear regression analysis. The results indicate that green fintech adoption has a positive and significant effect on financial performance, suggesting that the use of environmentally oriented financial technologies enhances operational efficiency and financial outcomes. ESG awareness also demonstrates a positive and significant influence, indicating that startups with stronger sustainability orientation achieve better financial results. Simultaneously, both variables significantly affect financial performance, with a coefficient of determination (R²) of 0.543, meaning that 54.3% of the variance in financial performance is explained by the model. These findings highlight the strategic importance of integrating digital financial innovation with sustainability awareness to achieve sustainable financial growth in startups.
Integration of Machine Learning in Financial Planning of Young Entrepreneurs in the Era of Digital Economy Loso Judijanto; Farid Wahyudi; Meiske Wenno; Hasmia Melati Arifin
West Science Journal Economic and Entrepreneurship Vol. 3 No. 02 (2025): West Science Journal Economic and Entrepreneurship
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsjee.v3i02.1893

Abstract

The integration of machine learning (ML) in financial planning offers transformative potential for young entrepreneurs navigating the dynamic digital economy in Indonesia. This study employs a qualitative approach, analyzing data from interviews with five informants, including entrepreneurs, financial advisors, and technology experts, to explore the benefits, challenges, and contextual factors influencing ML adoption. The findings highlight that ML enhances decision-making, improves efficiency, and provides personalized recommendations for financial planning. However, challenges such as limited technical expertise, high costs, cultural resistance, and the digital divide hinder widespread adoption. The study concludes that a multi-stakeholder approach involving government support, education, and infrastructure development is essential to bridge gaps and enable young entrepreneurs to leverage ML effectively. These insights contribute to understanding the interplay between technology and entrepreneurship, offering actionable recommendations for policymakers and practitioners.
Co-Authors Dila Padilah Nurhasanah Farid Wahyudi Loso Judijanto Meiske Wenno Paramita Andiani