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All Journal Niagawan JOURNAL OF SCIENCE AND SOCIAL RESEARCH Journal of Humanities and Social Studies JURNAL MUTIARA MANAJEMEN International Journal of Economics Development Research (IJEDR) Community Engagement and Emergence Journal (CEEJ) Jurnal Manajemen Bisnis Eka Prasetya Journal of Social Studies, Arts and Humanities (JSSAH) Jurnal Masyarakat Indonesia Outline Journal of Management and Accounting Jurnal Pemberdayaan Sosial dan Teknologi Masyarakat Eastasouth Journal of Effective Community Services Journal of Society Bridge JMBD Economics and Digital Business Journal
Situmorang, Irvan Rolyesh
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Religion Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Journal : JOURNAL OF SCIENCE AND SOCIAL RESEARCH

 1 
PEMANFAATAN FINTECH DALAM MENINGKATKAN AKSES PEMBIAYAAN BAGI UMKM BINAAN KOTA MEDAN Situmorang, Irvan Rolyesh; Pane, Yonson
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol 8, No 3 (2025): August 2025
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v8i3.3982

Abstract

Abstract: This study aims to examine the influence of financial technology (fintech) utilization and financial literacy levels on access to financing among assisted Micro, Small, and Medium Enterprises (MSMEs) in Medan City. Employing a mixed-methods approach, data were collected through a survey of 330 respondents and in-depth interviews with selected MSME actors. Quantitative analysis was conducted using Structural Equation Modeling with Partial Least Squares (SEM-PLS), while qualitative data were analyzed thematically. The results indicate that both fintech and financial literacy positively and significantly affect access to financing. The coefficient of determination shows that these two variables explain 42.4% of the variance in financing access. The qualitative findings highlight major adoption barriers, including limited digital infrastructure, low digital literacy, and concerns over data security. This study also employs the Technology Readiness Index (TRI) framework to assess the psychological readiness of MSMEs in adopting technology. The findings suggest several policy implications, including the need for continuous digital literacy training, enhanced data protection, and stronger collaboration between local governments and fintech providers to establish a more inclusive and sustainable digital financial ecosystem. This research is part of a five-year roadmap to support the gradual digital transformation of MSMEs in the Medan region. Keyword: Fintech; Financial Literacy; Financing Access; Financial Inclusion; Medan City Abstrak: Penelitian ini bertujuan untuk menganalisis pengaruh pemanfaatan teknologi finansial (fintech) dan tingkat literasi keuangan terhadap akses pembiayaan yang diperoleh oleh UMKM binaan di Kota Medan. Menggunakan pendekatan metode campuran (mixed methods), data dikumpulkan melalui survei terhadap 330 responden dan wawancara mendalam dengan pelaku UMKM terpilih. Analisis kuantitatif dilakukan dengan pendekatan Structural Equation Modeling berbasis Partial Least Squares (SEM-PLS), sementara data kualitatif dianalisis secara tematik. Hasil penelitian menunjukkan bahwa baik fintech maupun literasi keuangan memiliki pengaruh positif dan signifikan terhadap akses pembiayaan. Koefisien determinasi menunjukkan bahwa kedua variabel tersebut menjelaskan 42,4% variasi dalam akses pembiayaan UMKM. Temuan kualitatif memperkuat bahwa keterbatasan infrastruktur digital, rendahnya literasi digital, dan kekhawatiran terhadap keamanan data masih menjadi hambatan utama dalam adopsi fintech. Penelitian ini juga mengadopsi kerangka Technology Readiness Index (TRI) untuk mengukur kesiapan psikologis UMKM dalam mengadopsi teknologi. Temuan ini memiliki implikasi kebijakan penting, yaitu perlunya pelatihan literasi digital yang berkelanjutan, penguatan perlindungan data, serta sinergi antara pemerintah daerah dan penyedia layanan fintech dalam membangun ekosistem keuangan digital yang inklusif dan berkelanjutan. Penelitian ini merupakan bagian dari roadmap lima tahun dalam mendukung transformasi digital UMKM secara bertahap di wilayah Medan. Kata kunci: Fintech; Literasi Keuangan; Akses Pembiayaan; Inklusi Keuangan; Kota Medan
PERILAKU IMPULSIVE BUYING MELALUI LIVE STREAMING DAN FLASH SALE PENGGUNA E-COMMERCE Situmorang, Irvan Rolyesh
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol 8, No 2 (2025): May 2025
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v8i2.2549

Abstract

Abstract: The aim of this research is to determine the partial and simultaneous influence of the use of live streaming and flash sales on the impulsive buying behavior of e-commerce users in the East Siantar sub-district. This research uses quantitative research with a Likert scale as a measuring tool. The population in this study cannot be known with certainty so sampling was carried out using the Hair formula. The Hair formula is calculated by multiplying the number of indicators for each variable by 10. The results of the first hypothesis show that live streaming partially has a positive and significant effect on impulsive buying behavior in the East Siantar sub-district. The second hypothesis shows that flash sales partially have a positive and significant effect on impulsive buying behavior in East Siantar sub-district. The third hypothesis shows that live streaming and flash sales simultaneously have a positive and significant effect on impulsive buying behavior in the East Siantar sub-district. The results of the coefficient of determination show that the contribution of live streaming and flash sales has a value of 30% while the remaining 70% is influenced by other factors not included in this research Keywords: Live Streaming; Flash Sale; Impulsive Buying. Abstrak: Tujuan dilakukan penelitian ini adalah untuk mengetahui pengaruh secara parsial dan simultan penggunaan live streaming dan flash sale terhadap perilaku impulsive buying pengguna e-commerce di kelurahan Siantar Timur. Penelitian ini menggunakan penelitian kuantitatif dengan skala likert sebagai alat ukurnya. Populasi dalam penelitian ini tidak dapat diketahui secara pasti sehingga pengambilan sampel yang dilakukan menggunakan rumus Hair. Rumus Hair dihitung dengan cara jumlah indikator setiap variabel dikali dengan 10. Adapun hasil hipotesis pertama menunjukkan bahwa live Streaming secara parsial berpengaruh positif dan signifikan terhadap perilaku impulsive buying di kelurahan Siantar Timur.  hipotesis kedua menunjukkan bahwa flash sale secara parsial berpengaruh positif dan signifikan terhadap perilaku impulsive buying di kelurahan Siantar Timur. hipotesis ketiga menunjukkan bahwa live Streaming dan flash sale secara simultan berpengaruh positif dan signifikan terhadap perilaku impulsive buying di kelurahan Siantar Timur. Hasil koefisien determinasi menunjukkan hasil bahwa kontribusi live streaming dan flash sale memiliki nilai sebesar 30% sedangkan 70% sisanya dipengaruhi faktor lain yang tidak termasuk dalam penelitian ini Kata kunci: Live Streaming; Flash Sale; Impulsive Buying.
Co-Authors Angkasa, Jesselyn Artan, Silvia Artan, Silvina Bao Giang, Phan Dovean, Dovean Elisabeth Nainggolan Gultom, Pesta Haubu, TJ. Kanchawongpaisan, Sipnarong Melyani Melyani, Melyani Nainggolan, Susan G Pane, Yonson Petrus Loo Saphira, Viony Setyorini, Dian Simarmata, Asiana Sitepu, Novi Indriyani Situmorang, Frenky Stevani, Stevani Tiofanny, Claudie Widalicin Januarty Wijaya, Geane Vanie Michelle Wijaya, Michael Kurniawan Wilbert Wilbert Wirnawan, Wirnawan