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Ralahallo, Fransiska Natalia
Faculty Of Economics And Business, Universitas Pattimura, Indonesia
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The Influence of Fintech on The Level of Credit Disbursement for MSMEs Fransiska Natalia Ralahallo; Eko Cayo mayndarto; Robby Tanod Mamusung
Nomico Vol. 2 No. 4 (2025): Nomico - May
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/98ft6t26

Abstract

This study aims to analyze the impact of financial technology (fintech) utilization on credit disbursement levels to Micro, Small, and Medium Enterprises (MSMEs). The background of this research lies in the limited access of MSMEs to formal financing, which is often constrained by collateral requirements, complex bureaucratic procedures, and a lack of credit information. Fintech emerges as a digital solution offering faster, simpler loan processes without the need for physical collateral. This study adopts a quantitative approach using a survey method, with data collected through questionnaires distributed to 100 MSME actors who utilize fintech services. The results of linear regression analysis indicate that fintech has a significant effect on increasing credit disbursement. In other words, the higher the utilization of fintech, the greater the opportunity for MSMEs to access financing. The study concludes that fintech plays an essential role in promoting financial inclusion; however, this must be supported by improved financial literacy and appropriate regulatory oversight to ensure its long-term benefits.
Does integrating personal data via CDPs improve banking responsiveness? Moderating influence of local culture Tabelessy, Walter; Ralahallo, Fransiska Natalia; Chaniago, Anggraini; Kurniawan, Sabda Aji; T, Glen Andre Yusuf
Asian Management and Business Review Volume 6 Issue 1, 2026
Publisher : Master of Management, Department of Management, Faculty of Business and Economics Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/AMBR.vol6.iss1.art14

Abstract

In the growing importance of personalized digital services in the banking sector, the integration of personal data through customer data platforms (CDPs) has become a strategic priority. This study explores how personal data privacy influences perceived personalization and operational efficiency in digital banking services, while also investigating the moderating role of local culture. The research is motivated by increasing consumer demands for both personalized services and greater control over personal data. Personal data privacy was conceptualized as a multidimensional construct comprising knowledge, experience, control, willingness to value privacy, and trust. A quantitative method using partial least squares structural equation modeling (PLS-SEM) with 10,000 bootstrapping resamples was employed. The analysis was conducted using SmartPLS version 4.1.1.4, which enables efficient estimation of complex models. Data were collected offline from 200 respondents who are active users of digital banking services from Himbara member banks. The results indicate that personal data privacy has a significant positive effect on both perceived personalization and operational efficiency. Among its dimensions, willingness to value privacy emerged as the most influential. Local culture was found to significantly moderate both relationships, suggesting that cultural context plays a critical role in shaping digital service outcomes. These findings contribute to theory and practice by highlighting the importance of integrating privacy protection and cultural sensitivity in the design of personalized digital banking services.
Edukasi Financial Literasi sebagai Strategi Pemberdayaan Anggota Koperasi Credit Union Hati Amboina Maria J.F Esomar; Fransiska N Ralahallo
Jurnal Abdimas Mahakam Vol. 4 No. 02 (2020): JURNAL ABDIMAS MAHAKAM
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24903/jam.v4i02.940

Abstract

Pemberdayaan masyarakat di Maluku terus ditingkatkan demi mengatasi masalah kemiskinan. Meningkatkan pemahaman tentang pengelolaan keuangan merupakan salah satu strategi pemberdayaan yang dapat berperan dalam mengurangi angka kemiskinan. Financial literacy merupakan kemampuan seseorang untuk mengelola dan membuat keputusan keuangan dengan benar. Kegiatan pengabdian masyarakat, sebagai salah satu Tri Dharma perguruan tinggi, yang dilaksanakan di Koperasi Credit Union Hati Amboina, bertujuan untuk meningkatkan pemahaman dan ketrampilan anggota Koperasi Credit Union Hati Amboina dalam mengelola keuangan. Dengan adanya pengetahuan, pemahaman dan ketrampilan tentang financial literacy, maka anggota dapat diberdayakan untuk meningkatkan kesehjateraan mereka, karena telah memiliki kemampuan mengatur dan mengelola baik keuangan pribadi maupun keuangan keluarga. Kegiatan ini dilakukan dengan metode sosialisasi, ceramah dan pendampingan. Dengan mengikuti kegiatan edukasi ini, anggota koperasi Credit Union Hati Amboina diharapkan memiliki komitmen untuk menerapkan kaidah-kaidah financial literacy dan berbagi pengetahuan yang diperoleh kepada masyarakat lain, sehingga dapat menciptakan dampak yang lebih luas dalam mengurangi angka kemiskinan di Maluku.
Co-Authors Abdullah Sanduan Alfons, Christwyn R Anna Valensia Christianty De Fretes Aris Firmansyah Asiani Sijabat Asiani Sijabat Astrid J.D. Siahainenia Azzahra, Rachel Fatimah Baretha M Titioka Baretha Meisar Titioka Chaniago, Anggraini Djari, Lukman Hamsah Eko Cayo mayndarto Fatmawati Namsa Ginting, Yanti Mayasari Grace Persulessy Grace Tahapary Josia Pattipeiluhu Judijanto, Loso Jupiter Dakael Dakael Kurniawan, Sabda Aji Latuconsina, Zainuddin Latupapua, Conchita. V. Lewaherilla, Novalien Carolina Lilian S Loppies Loppies, Liliana Sonya Loso Judijanto Mamusung, Robby Tanod Maqfirah, Poetri AL-Viany Maria J.F Esomar mayndarto, Eko Cayo Meny Huliselan Nandang Bekti Karnowati Nanere, Marthin Obet Eko Wiranto Olivia Laura Sahertian Pattinaja, Elna Marsye Patty, Meidylisa Pelupessy, Merry M. Poetri AL-Viany Maqfirah Rainier Hendrik Sitaniapessy Refo, Ignasius Samson Sudirman Regar, Erfendi Ririhatuela, Elisabeth M P Robby Tanod Mamusung Ronyldo Tandikura Roy Seleki Sherly Sherly Siahaan, Martha Herlina Siaila, Steven T, Glen Andre Yusuf Tabelessy, Walter Tehuayo, Erlinda Ternate, Halima Tussaadia Tetelepta, Edward Gland Titioka, Baretha Meisar Tubalawony, Jacsy Turukay, Evracia Watumlawar, Evelin Yupiter Mendrofa