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All Journal MIX : Jurnal Ilmiah Manajemen Syntax Literate: Jurnal Ilmiah Indonesia Applied Information System and Management Scientific Journal of Reflection : Economic, Accounting, Management and Business DIJB (Diponegoro International Journal of Business) JURNAL PENDIDIKAN TAMBUSAI Accounting and Management Journal JIMF (JURNAL ILMIAH MANAJEMEN FORKAMMA) JURNAL PEMASARAN KOMPETITIF EAJ (ECONOMICS AND ACCOUNTING JOURNAL) Abdi Laksana : Jurnal Pengabdian Kepada Masyarakat Jurnal Disrupsi Bisnis Jurnal PKM Manajemen Bisnis Jurnal Pemberdayaan Masyarakat Indonesia (JPMI) Jurnal Ad'ministrare Jurnal Abdi Masyarakat Humanis Jurnal Bisnis Kompetitif Journal of Artificial Intelligence and Digital Business Journal of Research and Publication Innovation Indonesian Journal of Interdisciplinary Research in Science and Technology (MARCOPOLO) International Journal of Economics, Management and Accounting Karimah Tauhid Jabdimas: Jurnal Pengabdian Masyarakat Jurnal Pengabdian kepada Masyarakat : Kreasi Mahasiswa Manajemen SocServe: Jurnal Pengabdian kepada Masyarakat JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Benefit: Jurnal Manajemen dan Bisnis Economic Management Business Research Journal
Marjohan, Masno
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Journal : Jurnal Bisnis Kompetitif

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SARJANA TANGGUH BERDAYA ENTREPRENEUR DENGAN TEKNOLOGI KEUANGAN DIGITAL Marjohan, Masno; Nursan, Elvira; Ika Sari, Sandra Ayu
Jurnal Ekonomi Bisnis Kompetif Vol 4 No 1 (2025): Jurnal Bisnis Kompetif (JBK)
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/bisniskompetif.v4i1.2260

Abstract

The digital economic transformation is driving university graduates to possess competitive edge as adaptive and innovative entrepreneurs. This study aims to examine the role of digital financial technology (Fintech) in empowering university graduates in Indonesia to become resilient entrepreneurs in the digital era. Based on literature analysis and empirical data, it was found that graduates require techno-financial, entrepreneurial, and socio-business competencies to compete and thrive in the Fintech ecosystem. Fintech has been proven to strengthen entrepreneurship through democratizing access to capital, enhancing techno-financial literacy, adaptive market and product validation, strengthening business collaboration and networking, and promoting inclusive entrepreneurship. Although Indonesia has a large digital market potential, including a projected e-commerce market value of USD 130 billion, challenges in digital literacy and complex regulations remain major barriers. This study recommends implementing the 4C strategy—Collaborative Innovation, Customer-Centric Design, Compliance First, and Capacity Building—as an effective approach to fostering sustainable and globally competitive graduate startups.pendekatan efektif untuk mendorong startup sarjana yang berkelanjutan dan berdaya saing global.
Co-Authors Adhe Purnomo, Nugroho Adi Pratama, Adi Afrilia, Dwi Agustiani, Mulia Akiko, Leidy Vit Alinda Nurayani Andica, Juita Andriani, Jeni Arsyil Firian, Yuan Audryna, Leyryza Dwi Pratama, Guruh Fauziah, Uhti Febrianto, Satriyadi Gunawan, Rizkqi Aji Hadi Broto Hamsinah Hamsinah, Hamsinah Handayani, Yesie Hartati, Arini Nur Hasanah, Hilya Havizh, Muhammad Hermawan, Rangga Adhitia Hifny, Muhammad Holiawati, Holiawati Humaeroh, Fitri Ika Sari, Sandra Ayu Intan Pratiwi, Niken Irawan, Yopie Islami, Firda Janitra, Olief Zaki Jefri Burhan, Jefri Juanda, Gustian Jurna, Jurna Kaban, Ira Caharina Kartika Sari Kartolo, Rachmat Kurniawan, Rusdi Kurniawan, Zen Kusumaningsih, Ani L. Tobing, Rangga Latipah, Nunung Lestari, Bunga Westu Lestari, Nurul Khofifah Lisdawati Lisdawati Marliana Marliana, Marliana Martini, Evrillisa Martono, Adi Mentari, Beta Meylani, Shella Muhammad Husni Thamrin, Muhammad Husni Muslim Nabilah, Azmi Nur'aini, Eni Nurafifah, Nurafifah Nurayani, Alinda Nurmala Sari Nurmala, Riska Nurmin Arianto, Nurmin Nursan, Elvira Nurul Yaqin Octavia, Isnaini Pajar, Pajar Pamuji, Bombong Ahmad Permatasari, Delsa Yunia Purnomo, Bandi Putra, Robi Nugraha Sayi Putri, Amelia Putri, Zulfati Zianurisma Rachmawaty Rachmawaty, Rachmawaty Rahayu, Endah Sri Rasyidi, Muhammad Gafar Riandi, Arif Rini Suryani, Rini Ruhiyat, Endang Safan, Azian M Sahroni, Sahroni Sakeletuk, Regina Sampurnaningsih, Sri Retnaning Septiono, Wakhid Lukas Setiawan, Anthony Setiawati, Dwi Sitepu, Sri Henny Romauli Siti Nurhalimah Sitohang, Veronica Lusianna Sri Handayani, Avivah Sugiyanto - Supandi, Hanie Supratikta, Hadi Suradi Suradi Tomana, Josef Turnip, Jhon Sutrisno Ulfah, Siti Maryana Utomo, Widodo Budi Wahyu Hidayat Waruwu, Nofirman Yantoni Waryanto, Hendro Yansyah, Rusli YULIYANTI, SRI Zulfahmi, Muhammad Zaki zulfitra, Zulfitra