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Journal : IIJSE

The Role of Fintech in Improving Financial Literacy in Micro Small to Medium Enterprises in Malang Khalikussabir, Khalikussabir; Mawardi, Moh. Cholid; Handayati, Puji; Hermawan, Agus
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 1 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i1.4375

Abstract

This journal aims to analyze the role of fintech in improving financial literacy in MSMEs in Malang. In this study, researchers took 3 samples randomly, from Malang Regency and Malang City. Analysis of the data used in this study is to use data reduction then data presentation and the last is conclusions. The results of the research are that of the four informants as a whole receiving well with the presence of fintech because fintech can facilitate transactions. Fintech also provides many benefits for MSMEs as well as more benefits from MSMEs. But of all the roles of fintech, the speakers in this study did not fully know what the role of fintech was because of the lack of socialization about fintech in MSMEs. The speaker said that in financing business capital still choose banks because banks are trusted and there are legal institutions that regulate them. Of the four speakers, the impact after using fintech is positive or there are many benefits to be gained after applying fintech to its business. The more efficient and effective business activities that make applied fintech and the development of the era require businesses to use fintech. Of the many advantages of fintech, there are certainly disadvantages, one of which is when the financial technology is problematic, it must be repaired and requires some time. Not only that, human resources that lack mastery of fintech make business people have to provide insight into fintech.
Co-Authors A. Agus Priyono Abdul Kodir Djaelani Abdul Majid Abdul Majid Abdul Waris Abdul Waris Abdul Waris Ach Zainur Ridha Achmad Agus Priyono Achmad Febryanto Irmansyah achmad rizal ubaidillah Ade Kafa Bih Adhim, Mohammad Bashoril Adrian Ferryawan Abel Adzkar, M Aqil Afi Rachmat Slamet Agus Hermawan Agus Irawan Agus Mukorobin Agus Salim Ah Khafid Fiqih A Ah Zaki Amali Ahmad Afini Maulaya Ahmad Faruq Al Hafiz Ahmad Lukman Fahri Rahman Ahmad Pratama Tri Putra Ahmad Wanto Baihaki Aji Achmad Syaifullah Akbar, Risqi Hi’mal Al Ja’fari, Ach Shohibul Risqi Alfiyan Ardiansyah Alhidayatullah Nur Utomo Putra Ali Imron Maulana Alim Khoirudin Alya Nurul Sa’diyah Amin, Muh Sirojuddin Amin, Muhammad Sirojuddin Aminuyati Amita Rizki Ananda, Nickola Wahyu Anandiya, Khofifah Eka Andhinilarasati, Andhinilarasati Andreansyah, Onky Antyanadea Maharani Ardana, Erico Janu Ardiana, Miranda Venska Ardiansyah Ardiansyah ARDIANSYAH ARDIANSYAH Ari Firmansyah Arie Dzulhijjah Arif Akbarrurrijal Arini Fitria Mustapita Arini Maulidiyah Aristanto, Eko Armahfia Amami Arsyianto, Muhammad Tody Ataka Sauqi Aulia Firma Hairera Aulia, Selsa Reza Putri Awaludin Arfan Awaludin Awaludin Awalyah, Azizah Aziz, Latifatul Hamida Azizah, Sovia Nur Bambang Heri Susanto Banowati, Berliana Tri Basalamah, Muhammad Ridwan Bayu Kristianingsih Bilal Muqtadin Bima Nufrizar Rosyidi Binti Nurlailah Budi Purnomo Budi Wahono Bulgis Bulgis Chazanah, Dinda Wahyu Nur Dafano Sefdaeniyo Dela Yumei Sartika Devitasari, Amelia Putri Dhila Nofia Azhari Dian Amalia Dimas Bavi Romadhon Dimas Saputro Legowo Dinda Yulian Triasa Dirgabangsa, Maulana Arlando Dyah Ayu Firkah Islamiah Edi Ardiansyah Edi Saputra Efendi Yusuf Eka Farida Eka Pitri Ramdani Elisyafa Maulidyna Endang Isiyowati Erlin Afrianti Ervita Ayu Astika Eva Susanti Fahmi Ibrahim Adjie Fahmi Rizal Fahmi, Kelvin Izza Fahrurrozi Rahman Fakhrizal Akbar Faliddah Mukadar Fatimatus Zahra Fatmasari Fatmasari Fatoni, Muchammad Arif Fauzarudin, Rifiyan Fauzi, Ahmad Nailul Feby Wijianto Fernandha, Zanuar Farhan Filda Sovilia Wandani FITRI FADHILA Ghafur, Nurvikrih Choliluddin Hadi Sunaryo Hadi Sunaryo Haq, M Ahsanul Harganes, Genta Dera Haris Haris, Haris Hasna Nur Isnaini Havisfal Alviansyah Heri Ahmad Suyudi Hesri Hesri Hidayatulloh Hidayatulloh Hilaria Wahon Hilmi, M. Rizqi Alvan Horis Fendi Huda, Lucky Miftakhul Ibnu Zakaria Ida Ristianah Ifani, Achmad Shofan Iin Widyantasari Ike Kusdyah Rachmawati Ila Jannatil Makwa Imam Maulana Hidayatullah Imansyah Imansyah Ita Athia Ita Kurniawati Jefri Purnama Jeni Susyanti Jeny Susyanti Jonata, Rizola Ardo Dikri Kapsir Kapsir Kartika Rose Rachmadi Khatami Khatami Khuluq, Moh. Nur Khumaini Kodir, Abdul - Krismala Fadrila Kurniawan, Ivan Fachrur Kusuma, M Rafi Kusumawardani, Parawansa Galuh Laras Noviyanti Listi, Ike Ratna M. Afiq Fataya Hakim M. Agus Salim Al Fathoni M. Arief Ginanjar M. Cholid Mawardi M. Hufron M. Risqi Roynaldi M. Zainal Mahardani, Ahmad Subhan Masyhuri, Mohammad Nur Faizi Mayla Faisa Rahman MIFTACHUL JANNAH Miftakhul Jannah Millaningtyas, Restu Misbakhus Sudur Moch. Ardiansyah Pramudya Moch. Irfan Hakim Mochammad Fikri Alfandy Mochammad Sonif Afiffudin Moh Basyiruddin Moh. Anwar Rusni Mohammad Rizal, Mohammad Muchammad Aktabaroni Muchammad Ar-Rony Septianda Mudasir Mudasir Mufticha, Mufticha Muh. Dhiyaurrohman Muhamad Farkhan Muhamad Hamami NAJIH Muhamad Rizal Fatoni MUHAMMAD AGUS SALIM Muhammad Agus Salim Muhammad Arrozak Muhammad Choirul Miqdad Muhammad Fahmi Abdillah MUHAMMAD MANSUR Muhammad Mansur Muhammad Mansur Muhammad Marsi Sahroni Muhammad Maulana Habibi Muhammad Mauludin Hertana Putra Muhammad Rifqy Muhammad Rijal Yusuf Izzuddin Muhammad Saifudin Muhammad Yusril Hafidz Muhammad Zamik Sofa Muliana Nafiah Mumtaz, Muhammad Abdillah Hifny Mutiara, Sawidatul N Rachma N Rachma N. Rachma N. Rachma Nabila, Fitria Sane Nadia Surya Safitri Nadriani Bahrudin Nanda Purnama Nanik Krismonika NGUMAR NGUMAR Nia Ella Feradiana Nikmatur Rosidah Nirza, Achmad Hudzaifah Abiyyu Nisa, Khoirotun Nofan Adi Saputra Nofita, Dyah Noormansyah Noormansyah Nova Dwi Cahyani Nugraha, M Tri Rangga Nugraha, Nizar Alfa Nugroho, Rendra Cahyo Nur Hidayati Nur Hidayati Nuraini Nuraini Nurhajati Nurhajati Nurhidayah Nurhidayah Nurhidayah Nurhidayah Nuriana, Farikha Nuronia, Khoviva Nurqomaria Nurqomaria Nurul Ahmadi Nurul Hadi Octavia Dwi Kumala Okky Trio Aldo Pardiman Pardiman Pratama, Dimas Raka Setya Pristy Indah Nurfiana Puji Handayati Putra, Novan Satria Putri Ayuningtyas Putri, Elok Islamiyah Dirna Putri, Stevany Amelia Putri, Wardana Qari, Moh Rafiq, Hasfito Rasidi Rasidi Ratna Tri Hardaningtyas, Ratna Tri regita vebian putri Reza Amanullah Rusydi Ridho Mukhlis Aristo Rika Yunita, Rika Riki Renaldi Rini Susanti Rizqi, Moch Ilham Khoirur Robet Tanaka Rofiatul Istiqomah Rofiqi Rofiqi Rohman, Kholilur Rois Arifin Roisul Am, Moch Izza Ronny Malavia Mardani Ro’is Ro’is Ryanda Titanio Yunarsyah Salman AL Farizy Samuriah, Samuriah Sandi Agung Mahardika Satria Putra Utama Selvi Dwi Rahmawati Setiyawan, Rendy Sibawai, Imam Nur Sindi Adha Sirajul Ulum Siska Satria Ningsih Siti Asiyah Siti Asiyah Siti Nur Latifah Siti Uswatun Khasanah Solikin Solikin Sudarmiatin Suharto, M. Khoirul Anwarudin Broto Sulton Sholehuddin Sulton Sholehuddin, Sulton Sunaryo, Hadi Syafi, Ahmad Syah, Hubbal Ikmal Syahputra, Hafiz Firdaus Syaiful Anam Syaiful Haq Syarif Hidayatullah Syarif Hidayatullah Syndu Artanto Taqiyyah, Farah Maulidah Taufiqurijal, Ahmad Taufiqurrahman, Mohammad Tengku Riza Zarzani N Therito Akbar Firmansyah Ubaid Choiri Ucha Nurul Qomaria Ula, Jauza’ Nuril Viky Alfiyanti Azizah Vinna Nisa’i Susanti Ningrum Viranda Devta Avita Dheana Wahdah Lutfiana Arinta Wahyudin Wahyudin Wahyuningtyas, Nanik Waras Widodo Saputro Wicaksono, Ardhitya Bahana Adil Widarko, Agus Winarno, Moh Abu Ali Winda Irawati Wisesa, Andhika Ghani Wiwin Rafida Wajapa Wulandarii, Dewi Yanuar, Moh David Yasir Arafat Yulinda Putri Melinia Yurina Khusnal Amaliyyah Zaenal Abidin Zannah, Khalimatul Zayyana Wardah, Zalfaa Bilqis Nurfaihaa Zeinorrida, Zeinorrida Zumrotul Afifah