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Journal : Equity

Impact of Fintech and Risk Management on The Sustainability Performance of MSMEs (Micro, Small and Medium Enterprises) Safira, Safira; Agustina, Ahadiah; Hidayanti, Nur Fitri; Mukhlishin, Mukhlishin
EQUITY Vol 28 No 1 (2025): EQUITY
Publisher : Department of Accounting, Faculty of Economics and Business, Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34209/equ.v28i1.10160

Abstract

This study aims to analyse the impact of Fintech and Risk Management on the Sustainability Performance of MSMEs in Mataram City. Using a quantitative approach, this study involved 100 MSMEs that have adopted Fintech services in the sub-district cakranegara and sub-district mataram areas. Data was collected through a 5-point Interval scale-based questionnaire and analysed using multiple linear regression with SPSS software version 22. The results showed that Fintech has a significant effect of 27.8% on MSME Sustainability Performance, while Risk Management has a significant effect of 53%. These findings highlight the importance of digital financial literacy and strategic risk management implementation in supporting MSME business sustainability. This research recommends MSME players to optimally utilise Fintech services and implement structured risk management. In addition, government policies are expected to facilitate digital financial literacy training and provide technical guidance on risk management for MSMEs. With this approach, Fintech will not only improve MSME competitiveness but also strengthen their business sustainability in the digital economy era. Keywords: Financial Technology (Fintech); Risk Management; Sustainability Performance MSMEs.
Co-Authors Abdul Rahman Adrian Adrian Afandi, Benny Agus Bahtiyar, Muhammad Rifal Agusti, Mufida Dwi Ahadiah Agustina Aini, Rukmi Nur Amam, Amam Anawati, Sri Annawaty Annawaty, Annawaty Apriana, Dhea Resky Ardivan, Marcel Badruzzaman, Jabar Dewi, Febriana Mulya Djohan, Sjamsu Dudiarti, Diah Dwiyanti , Selfin Eko Suyanto Erna Setiany G A Arwati, I Gumilar, Rangga Prebawa Hadi, Putra Pratomo Handini , Witri Hari Setiyawati HARIYANTO HARIYANTO Hartin, Siti Sofia Hazira, Hazira Hidayanti, Nur Fitri hidayat, dwi taufik Hikamah, Siti Roudlotul Hutbah, Hutbah I Dewa Putu Nyeneng I.G.A. Lokita Purnamika Utami Ingrat, Intan Wahid Insani, Fitra Sawfla Karim, Elfhy Yanti Karimuna, Siti Rabbani La Kamisi, Haryati Lahata, Astid Pratiwi Liambo, Putri Yuliyanti Maharani, Keisya Amalia Meliyawati, Meliyawati Mentary, Putri Mukhlishin, Mukhlishin Nabiilah, Rifdah Neisya, Shava Netty Herawati Ni Komang Arie Suwastini Nizar, Zahwa Nur Ain Nur Hidayat Nurjanana Nurjanana Pattinasrani, Merlyn Vitaloka Pradita, Bagas Pratiwi, Riri Puji Rahayu Putra, Muh. Fadil Pratama Putri, Armelia Putri, Indah Prihandini Utami Rabbi, Athaya Rachmawati, Annisa Noor Raden Mohamad Herdian Bhakti Rahmin, Ririn Ali Rusmawan Rusmawan, Rusmawan Sabara, Mega Saing, Zubair Sakti, Clariza Garda Sari, Bulan Sari, Wika Purnama Selfia, Siti sherly sherly Shinta Melzatia Siti Choiriah Siti Rabbani Karimuna Sugiarti Sugiarti Suharmadi Suharmadi Sunarto Amus Syair, Wika Purnama Syaugy, Muhammad Tappo, Liberty Mendila Tia, Sarni Titdoy, Dewi Toto Suharto Udin, Similanti Umi Nurjanah, Umi Villany Golwa, Gian Wati, Galuh Rachma Wiwit Suprihatiningsih Yanti Karim, Elfhy Yanti, Wa Ode Yudhi Herliansyah Yulius Hari