Article Per Year (5 Year)
p-Index From 2021 - 2026
3.096
P-Index
This Author published in this journals
All Journal Jurnal Abdimas PHB : Jurnal Pengabdian Masyarakat Progresif Humanis Brainstorming Abdimas Galuh: Jurnal Pengabdian Kepada Masyarakat International Journal of Social and Management Studies (IJOSMAS) Indonesian Journal of Engagement, Community Services, Empowerment and Development (IJECSED) Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Journal of Information Systems and Management Jurnal Bisnis Manajemen dan Akuntansi Dharma Sevanam : Jurnal Pengabdian Masyarakat Jurnal Inovasi Pengabdian dan Pemberdayaan Masyarakat jabdimasunipem Abdurrauf Journal of Community Service Proletarian : Community Service Development Journal
Sukriyah, Sukriyah
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mechanical Engineering Neuroscience Nursing Public Health Social Sciences Other

Published : 21 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search
Journal : Journal of Information Systems and Management

 1 
Digital Transformation in MSME Financial Management: Qualitative Evidence from Banten, Indonesia Sukriyah, Sukriyah; Suhartono, Bambang; Putra, Firdaus; Silitonga, Nelson; Chidir, Gusli
Journal of Information Systems and Management (JISMA) Vol. 5 No. 1 (2026): February 2026
Publisher : AGUSPATI RESEARCH INSTITUTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.4444/jisma.v5i1.1238

Abstract

Digital transformation has become a critical pathway for strengthening financial management practices among micro, small, and medium enterprises (MSMEs), particularly in developing economies. Despite increasing access to digital financial technologies, empirical evidence indicates that many MSMEs adopt these tools in a fragmented and non-strategic manner. This study aims to explore how MSME actors experience digital transformation in financial management, identify the practical changes arising from the use of digital financial tools, and examine the barriers and enabling factors shaping this transformation. Employing a qualitative research design, this study draws on in-depth interviews, non-participant observations, and document analysis involving 24 MSME owners and managers across micro, small, and medium enterprises in Banten Province, Indonesia. Thematic analysis reveals that digital transformation among MSMEs unfolds incrementally, beginning with basic tools such as digital payments and mobile banking, largely driven by customer demand rather than strategic intent. While digital tools improve transaction recording accuracy, financial transparency, and operational efficiency, their utilization remains predominantly operational, with limited progression toward analytical or strategic financial management. Key challenges include inadequate digital and financial literacy, trust concerns related to data security, cost constraints, infrastructural limitations, and entrenched traditional practices. The findings underscore that digital transformation in MSME financial management is a socio-technical process shaped by interactions between technology, managerial capabilities, and institutional context. This study contributes to the literature by providing rich qualitative insights from an underexplored regional context and offers practical and policy-relevant implications for fostering inclusive, context-sensitive digital transformation among MSMEs.
Co-Authors A Admiral Abdul Haris Ade saputra Agistiawati, Eva Ahmad Fauji, Ahmad Alfi, Muhammad Anugrah, Akmal Asbari, Masduki Aurellia, Patricia Juan Azhari Azhari Basuki, Sucipto Chidir, Gusli Chyrinne, Ervana Citra Rahayu Indraswari, Citra Rahayu Crystine, Ervana Deni Pamungkas, Panca Dias Satria Dinata, Muhd. Farabi Erick Fernando B311087192 Ervana, Ervana Fahrezi, Galih Fajriah, Nurul Fayzhall, Mivy Fayzhall, Miyv Gazali Gazali Goestjahjanti, Francisca Goestjahjanti, Francisca Sestri Gozali, Edy Haniyah, Haniyah Hartati, Ria Hasna, Shofwatun Hulu, Paolinus Hulu, Paulinus Hutagalung, Dhaniel Isnaini, Sri Wahyuni Istajib Kulla Himmy’azz JAINURI, JAINURI Johan, Muhammad Jumiran, Jumiran Karnawi Kamar, Karnawi Khairuddin - Lutfiah, Ismi Nur Luthfian, Muhammad Maemunah Maharani, Herlina Muhammad Ridwan Napitupulu, Bonar Bangun Jeppri Novita Olin, Maria Novitasari, Dewiana Nurasiah Nurasiah Nurhildayanti, Siti Nuryanti, Yulis Octarina, Thina Oktabrianto, Oktabrianto Oktarina, Thina Olin, Maria Novita Pohan, Zakirun Purwaningrum, Dwi Puspa, Rani Putra, Firdaus Raden Mohamad Herdian Bhakti Radita, Fatrilia Rasyi Rahmawati, Aprilia Ramadani, Tia Riyantao, Joko Riyanto Riyanto Riyanto Riyanto, Gilang Fadhil Rizfie, Muhammad Dala Rosdiana, Dina Sari, Lusiana Sastra, Wira Sestri Goestjahjanti, Francisca Sihotang, Hotua Silitonga, Nelson Silitongga, Nelson Simorangkir, Yosua Siti Maesaroh Sitorus, Santa Lusianna Sri Lestari Stevanny, Vannesa Sudiyono, Rachma Nadhila Sudiyono, Rachma Nadila Suhartono, Bambang Supiana, Nana Suroso Suroso Susiyanti Sutardi, Didi Tiara, Beby Umiyati, Hesti Wafiroh, Wafiroh Wahyono, Muhammad Rudi Winanti WINANTI, WINANTI Wiyono, Nuri Yulia, Yayah Yuniarti, Angger Styo Yunitasari Yunitasari, Yunitasari Yusuf Yusuf