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All Journal JURNAL SAINS PEMASARAN INDONESIA Jurnal Ekonomi Logistik JIMEK Jurnal Ekonomi Logistik Aktsar: Jurnal Akuntansi Syariah
Suendro, Ginanjar
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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Peran Digital Payment dalam Efisiensi Keuangan Usaha Mikro di Kota Semarang Ginanjar Suendro; Ericke Fridatien
Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Vol. 5 No. 1 (2025): Maret : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jimek.v5i1.6718

Abstract

This study aims to analyze the role of digital payment in improving financial efficiency among micro-enterprises in Semarang City. The advancement of financial technology provides faster, easier, and more transparent transaction alternatives, which have the potential to enhance financial management for business actors. This research adopts a quantitative approach using a survey method involving 100 micro-business owners who have implemented digital payment systems such as QRIS, e-wallets, and mobile banking. The results show that digital payment usage significantly affects financial efficiency, as evidenced by improved financial record-keeping, better cash flow management, and reduced transaction costs. These findings highlight the importance of adopting digital financial technology as a strategy to enhance financial performance, especially for micro-enterprises in Semarang City.
Co-Authors Ericke Fridatien Handika Naufal Husni Husnurrosyidah Husnurrosyidah, Husnurrosyidah M. Shohibul Jamil Muhammad Fatchuriza Muhammad Fauzi Wahyu Dyah Nur Anis Wachidah Wisnu Murti Wibowo