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All Journal Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) International Journal of Applied Finance and Business Studies Journal of Management Branding
SUJAI, MUHAMMAD
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Digital Financial Inclusion: Examining The Role of Mobile Technology in Expanding Access to Capital Alfiana, Alfiana; Putri, Andiena Nindya; Sujai, Muhammad; Fitriningsih Amalo; Dede Hertina
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 1 (2025): Dinasti International Journal of Economics, Finance & Accounting (March-April 2
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i1.3806

Abstract

Digital financial inclusion has become a key priority in efforts to reduce economic disparities, particularly among underserved populations by formal financial institutions. This study aims to examine the role of mobile technology in expanding access to capital by reviewing recent literature. Mobile technology offers practical solutions for individuals and small businesses to access financial services, such as microcredit, money transfers, and savings, without relying on traditional banking infrastructure. Furthermore, the adoption of this technology has been shown to accelerate financial inclusion in developing countries, where access to financial services is often constrained by geographical and economic factors. However, this study also highlights emerging challenges, such as low digital literacy, limited network coverage, and data security concerns. The findings provide valuable insights for policymakers, financial service providers, and technology stakeholders to develop more inclusive and sustainable strategies. Thus, mobile technology has significant potential to become a key driver in achieving broader financial inclusion in the future
Pengaruh Budaya Organisasi Dan Lingkungan Kerja Terhadap Kepuasan Kerja Pegawai Pada Kantor Kementerian Agama Tolitoli Ridwan, Ridwan; Sujai, Muhammad; A, Moh. Sabran
Journal of Management Branding Vol. 1 No. 1 (2024): Journal Of Management Branding
Publisher : Pascasarjana Universitas Muhammadiyah Mamuju

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71326/jmb.v1i1.29

Abstract

This research aims to determine the magnitude of the influence of organizational culture and work environment on employee job satisfaction at the Tolitoli Ministry of Religion Office. This research uses a quantitative research design with an associative approach. The data source is primary, namely data obtained through observation, interviews, questionnaires using the Liker scale method and documentation related to this research. The analytical method used is multiple linear regression analysis, the method is used to test the magnitude of the influence of each variable (Y), while the work environment (X2) has no significant effect on job satisfaction (Y). Meanwhile, the results of the simultaneous f test show that Organizational Culture (X1) and Work Environment (X2) simultaneously influence Job Satisfaction (Y). Thus, the indicators in Organizational Culture need to be maintained (X1) while the Work Environment indicators (X2) need to be evaluated for further research
Reviewing the implementation of the accounting information system (SIA) for Bank Indonesia Services to optimize MSME digitalization program in Tolitoli Regency as an Affirmation Area Syahputra, Rendy Aziz; Sujai, Muhammad; Aqfir, Aqfir
International Journal of Applied Finance and Business Studies Vol. 13 No. 2 (2025): September: Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v13i2.395

Abstract

This study analyzes the effectiveness of the Financial Information Recording Application Information System (SIAPIK) in supporting environmentally friendly Micro, Small, and Medium Enterprises (MSMEs) in Tolitoli Regency, Central Sulawesi. The objective is to evaluate SIAPIK’s role in improving financial records, operational efficiency, and business decision-making, as well as its impact on marketing, access to capital, and business growth. The research employed a mixed-method approach, combining quantitative surveys and qualitative in-depth interviews with 24 MSMEs actively using SIAPIK (out of 106 surveyed). The results indicate that 83% of respondents reported improved recording efficiency, 79% found financial statements easier to understand, 71% experienced sales growth of up to 15%, and 67% successfully accessed cooperative or banking financing using SIAPIK reports. Nevertheless, 58% still faced challenges such as limited internet access and low digital literacy. Overall, SIAPIK has made a positive contribution to the digital transformation of MSMEs in affirmation areas, particularly in the culinary sector, while emphasizing the need for infrastructure development, continuous training, and cross-sector collaboration. The novelty of this research lies in its focus on environmentally friendly MSMEs in rural 3T regions, which are still underrepresented in the literature on MSME digitization in Indonesia.
Co-Authors A, Moh. Sabran Alfiana Alfiana Andiena Nindya Putri Aqfir Dede Hertina Fitriningsih Amalo Ridwan, Ridwan Syahputra, Rendy Aziz