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All Journal Jurnal Ekonomi Manajemen Akuntansi Keuangan Bisnis Digital ZEBMAR Jurnal Zentrum Mengabdi
Ni Gusti Ayu Wiranti Devi
Universitas Mataram
Computer Science & IT Economics, Econometrics & Finance Industrial & Manufacturing Engineering

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Fintech Revolution: The Impact of Using Financial Technology on MSME Business Growth Through Financial Management Efficiency Paradisa Sukma; Victoria Kusumaningtyas Priyambodo; Novia Rizki; Ni Gusti Ayu Wiranti Devi
Jurnal Ekonomi Manajemen Akuntansi Keuangan Bisnis Digital Vol. 4 No. 2 (2025): JULI-DESEMBER
Publisher : Badan Penerbitan Fakultas Pertanian Universitas Ratu Samban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58222/jemakbd.v4i2.1416

Abstract

Micro, Small, and Medium-Sized Enterprises (MSMEs) are vital to economic growth, but they often encounter a number of challenges, including poor financial management and restricted access to financing. This study aims to examine the influence of financial technology (fintech) adoption on MSME growth on Lombok Island, Indonesia, with financial management efficiency as a mediating variable. The study was conducted on 103 MSMEs and analyzed using the Partial Least Squares (PLS) method. The findings show that using fintech greatly increases MSME financial efficiency, and that increased financial efficiency has a favorable effect on company expansion. However, there was no correlation between the expansion of MSME and the use of fintech. These results demonstrate that the association between fintech adoption and MSME growth is significantly mediated by financial efficiency. Therefore, MSMEs must concentrate on using fintech to increase internal financial management efficiency if they want to reap the full benefits of this technology.
Penggunaan Teknologi Informasi Dalam Peningkatan Kualitas Laporan Keuangan Pemerintah Wulandari Agustiningsih; Victoria Kusumaningtyas Priyambodo; Ni Gusti Ayu Wiranti Devi
Zentrum Economic, Business, Management, Accounting Research Vol. 3 No. 1 (2025): ZEBMAR, March 2025
Publisher : Zentrum Multi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69657/2e04ar21

Abstract

This study aims to evaluate the impact of information technology utilization on the improvement of the quality of government financial reports. The method employed is the Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA). Out of a total of 95 identified articles, 23 studies met the inclusion criteria for further analysis. The results indicate that information technology has a significant influence on the quality of government financial reporting, in terms of timeliness, reporting accountability, and efficiency. This research recommends enhancing technological capabilities to strengthen the quality of financial reporting in the public sector.
Edukasi Penggunaan Financial Technology (Fintech) Pada Pelajar Sekolah Menengah Atas Di Kota Mataram Paradisa Sukma; Lalu Andika Noviawan; Ni Gusti Ayu Wiranti Devi
Jurnal Zentrum Mengabdi Vol. 2 No. 2 (2025): Zentrum Mengabdi, November 2025
Publisher : Zentrum Multi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69657/f6j1xs68

Abstract

The rapid development of Financial Technology (Fintech) has facilitated financial transactions but also poses risks such as cybercrime and uncontrolled financial behavior. These risks are more likely to affect Generation Z, who have grown up in the digital era with broad access to fintech services. This community service program aims to provide education to students on the wise use of fintech. The program was conducted in two main stages: preparation and implementation. The preparation stage included identifying students’ problems and developing appropriate educational materials. The implementation stage involved delivering the materials through interactive presentations, discussions, and supporting media such as posters, videos, and PowerPoint slides. The evaluation results indicate that participants gained increased knowledge regarding the prudent use of fintech. Participants also perceived the materials as easy to understand, engaging, and relevant, which motivated them to adopt more responsible behavior in utilizing fintech services.
Co-Authors Lalu Andika Noviawan Novia Rizki Paradisa Sukma Victoria Kusumaningtyas Priyambodo Wulandari Agustiningsih