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Yoyo Sudaryo
Universitas INABA, Bandung, Indonesia
Economics, Econometrics & Finance

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Financial Risk Management Analysis in Addressing Market Volatility in the Era of Global Digital Transformation Ardiyatur Rahman; Yoyo Sudaryo; Nunung Ayu Sofiati; Andre Suryaningprang; Riyandi Nur Sumawidjaja
JURNAL ECONOMINA Vol. 5 No. 7 (2026): JURNAL ECONOMINA, Juli 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i7.3229

Abstract

This study aims to analyze financial risk management in the face of market volatility in the era of global digital transformation. The research approach applied is a literature-based study, which relies on written sources as the primary basis for data collection and analysis. The systematic compilation of relevant information is carried out through a review of various scientific literature, including books, journals, articles, research reports, and other relevant literature. The collected information is processed using a content analysis approach to identify certain patterns, relationships, and important information related to financial risk management, digital market volatility, and global digital transformation. The results show that digital transformation has increased market connectivity, accelerated the flow of information, and given rise to various new risks that contribute to increased market volatility. Financial risk management plays a crucial role in identifying, measuring, and controlling these risks through the use of technology, strengthening governance, and adaptive mitigation strategies. This study confirms that the implementation of digital technology into risk management systems is a crucial factor in maintaining financial stability and increasing organizational resilience amidst increasingly complex global market dynamics.
Influence Financial Technology, E-Commerce Adoption, and Entrepreneurial Skills on Financial Performance MSMEs With Financial Literacy and Trust As Variables Mediation Studies Cases in North Sulawesi MSMEs: Indonesia Wendiaputra Paputungan; Yoyo Sudaryo; Nunung Ayu Sofiati; Andre Suryaningprang; Riyandi Nur Sumawidjaja
JURNAL ECONOMINA Vol. 5 No. 8 (2026): JURNAL ECONOMINA, Agustus 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i8.3765

Abstract

The present investigation seeks to analyze the impact of financial technology, e-commerce adoption, and entrepreneurial capability on the financial performance of Micro, Small, and Medium Enterprises (MSMEs) in North Sulawesi Province, considering both direct effects and indirect effects mediated by financial literacy and trust. A quantitative methodology characterized by a causal research design was utilized, employing a cross-sectional survey approach with a sample of 400 MSME participants selected via purposive sampling. The data were subjected to analysis through descriptive statistics and Partial Least Squares-Structural Equation Modeling (PLS-SEM), facilitated by the SmartPLS 4 software. The results demonstrate that financial technology, e- commerce adoption, and entrepreneurial competencies exert a positive and statistically significant direct influence on MSME financial performance, with financial technology identified as the most influential predictor. Additionally, financial literacy and trust were found to significantly mediate the associations between these three independent variables and MSME financial outcomes. The proposed model accounts for 60.3% of the variance observed in MSME financial performance. These findings highlight the critical necessity of enhancing fintech and e-commerce adoption, alongside fostering improvements in financial literacy and the trust of MSME actors in digital platforms, to maximize financial performance.
Co-Authors Andre Suryaningprang Ardiyatur Rahman Nunung Ayu Sofiati Nunung Ayu Sofiati (Efi) Riyandi Nur Sumawidjaja Riyandi Nur Sumawidjaja Wendiaputra Paputungan