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Adriansyah Adriansyah
Teknik Mesin, Politeknik Negeri Padang
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Journal : Amsir Accounting

 1 
Profile and Financing Access Gaps of MSMEs in Indonesia: evidence from ADB Asia SME Monitor 2024 Yunus, Asmar; Adriansyah, Adriansyah; Rais, Anisatun Humayrah; Gaffar, Andi Nurrahma
Amsir Accounting & Finance Journal Vol 4 No 1 (2026): Januari
Publisher : Fakultas Bisnis Institut Ilmu Sosial dan Bisnis Andi Sapada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56341/aafj.v4i1.695

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a central role in Indonesia’s economy, yet access to finance remains a persistent constraint for their growth and resilience. This study aims to map the profile of MSMEs and identify gaps in access to financing in Indonesia using data from the Asian Development Bank Asia Small and Medium-Sized Enterprise Monitor 2024. The study employs a descriptive approach based on a multidimensional framework of depth, breadth, and risk to examine MSME financing conditions. The analysis focuses on MSME landscape indicators and banking financing data, including credit ratios, distribution structure, and non-performing loans. The findings indicate that although MSME credit has increased nominally in recent years, the depth of financing remains relatively stable when measured against GDP and total bank credit. Financing is still concentrated in specific sectors and predominantly allocated for working capital, while credit risk in the MSME segment remains higher than the aggregate banking portfolio. These results suggest that improvements in MSME financing require not only credit expansion but also policies that strengthen financial depth, broaden access, and enhance risk mitigation. The study provides policy-relevant insights to support more inclusive and sustainable MSME financing in Indonesia.
Profile and Financing Access Gaps of MSMEs in Indonesia: evidence from ADB Asia SME Monitor 2024 Yunus, Asmar; Adriansyah, Adriansyah; Rais, Anisatun Humayrah; Gaffar, Andi Nurrahma
Amsir Accounting & Finance Journal Vol. 4 No. 1 (2026): Januari
Publisher : Fakultas Bisnis Institut Ilmu Sosial dan Bisnis Andi Sapada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56341/aafj.v4i1.695

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a central role in Indonesia’s economy, yet access to finance remains a persistent constraint for their growth and resilience. This study aims to map the profile of MSMEs and identify gaps in access to financing in Indonesia using data from the Asian Development Bank Asia Small and Medium-Sized Enterprise Monitor 2024. The study employs a descriptive approach based on a multidimensional framework of depth, breadth, and risk to examine MSME financing conditions. The analysis focuses on MSME landscape indicators and banking financing data, including credit ratios, distribution structure, and non-performing loans. The findings indicate that although MSME credit has increased nominally in recent years, the depth of financing remains relatively stable when measured against GDP and total bank credit. Financing is still concentrated in specific sectors and predominantly allocated for working capital, while credit risk in the MSME segment remains higher than the aggregate banking portfolio. These results suggest that improvements in MSME financing require not only credit expansion but also policies that strengthen financial depth, broaden access, and enhance risk mitigation. The study provides policy-relevant insights to support more inclusive and sustainable MSME financing in Indonesia.
How Does Mental Accounting Influence Financial Decision-Making Among New Employees in Indonesia? Rifani, Riza Amalia; Adriansyah, Adriansyah; Iqra, Muhammad Nur Farid
Amsir Accounting & Finance Journal Vol. 3 No. 1 (2025): Januari
Publisher : Fakultas Bisnis Institut Ilmu Sosial dan Bisnis Andi Sapada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56341/aafj.v3i1.573

Abstract

Mental accounting is a concept that explains how individuals categorize, group, and evaluate their economic decisions. The study hypothesizes that income and expense categorization, as well as allocation preferences, influence the financial decision-making of new employees. The research uses a quantitative approach with a descriptive method, collecting primary data through a questionnaire distributed to 200 new employees in Indonesia. The results show that both income and expense categorization and allocation preferences significantly influence the financial decision-making of new employees.
Co-Authors -, Nasrullah - Abbas, Muhammad Rabiu Abdilla, Abdilla Abdul Halim Achmad Ridha Adevi, Isye Rahayu Adliyah, Egalita Afrizul Evendi AJ., Andi Agussalim Alimir, Immatul Jannah Alimuddin Alimuddin Ambiyar, Ambiyar Anas, Agung Muliaman Andi Faisal, Andi Andi Irfan, Andi Andi Nurrahma Gaffar Angelia, Nike Aninda, Aninda Anisa Anisa Anisatun Humayrah Rais Aprilman, Devia Apyunita, Devi ARDIANSYAH ARDIANSYAH Arie Kartika, Arie Arifin, Mifta Arjuna, Arjuna Arwizet Arwizet, Arwizet Asmar Asmar, Asmar Azis, Fajriani Baso Cante Bayu, Eka Pasca Surya Br. Ginting S, Chris Dayanti Brian, Brian Candra Mayana, Hendri Chandradewana Boer Charlina, Charlina Chatarina Umbul Wahyuni Dammar, Tria Haryuni Darman Dapersal Dinar Dayanti Br Ginting, Chris Dedi Erawadi Denny, Recka Deprian, Ivmal Desmarita Leni Devi, Aurelia Deviya Aprilman Diani, Diani Dini Mufriah Dwi Ayu Siti Hartinah Eko Hariyadi Eko Saputro Eltias, Yumna Elvis Adril Fadly, Ftrya L Fahri Reza Fajri Arsyah, Ahmad Hasnul Fajri, Ahmad Hasnul Fardinal Fardinal Femi Earnestly Firman, Muh. Fikri Fitrianti Fitrianti, Fitrianti Fuad Fuad Gaffar, Andi Nurrahma Gusriani, Yunda Hadi, Arief Rachman Hajar, Abdul Haris Haris Haris Haris, Haris Hartinah H, Dwi Ayu Siti Hasan Basri Hasisa Haruna Hastharita, Rafiqa Hawari, Abdullah Helga Yermadona Hendra Hendra Herlambang, Heru Hidayat, Muhamad Fikri Huda, Asrul Humairah Rais, Anisatun Ibnul Nanda Rianza Iqra, Muhammad Nur Farid Jana Hafiza Jumyetti Jumyetti Junaidi - - Jusfita, Jusfita Kamil, Muhammad Aslam Kharesa, Novi Kuncoro, Embun Larasati Lisdayani Lisdayani, Lisdayani Luna, Calista Magdalena Magdalena Mahmudin, Faisal Mangkona Mangkona Manuhutu, Tirza Martalina, Margaret Rianti MGB, A. ilmadana Misdawati, Misdawati Muchlisinalahuddin Muh Anhar Muhammad Musawir Muhammad Syaifudin Mukhayar, Riki Mukti Hakim Musaddiq Rahman, Ahmad Nasiruddin Mushoddiq Rahman, Ahmad Nashiruddin Muttaqin, Alif Hilman Nandi Pinto Nasirwan Nasirwan Natalya, Nita Netriwati Nofriadi Nofriadi Nofriyanti, Elsa Novantri, Iqlima Farah Nusyirwan Nusyirwan Parinduri, Nurul Azizi Parinduri, Ramadha Yanti Pasira, Ira Pasulu, Milka Paulus Matius PURWANTI, EMI Putri, Syairadina Rachmat Budiwijaya Suba Rahim, Abd Rama, Hilfama Ramlah Ramlah Ramza, Robi Razali, Muhammad Riezky Idvi Alfitra Rifani, Riza Amalia Rina Rina Rivanol Chadry Rizaldy, Rizaldy Robby Novrizal Rosida Rakhmawati Rustam Rustam Ruzita Sumiati Said Fahmi Samah, Eri Sharma, Jai Kumar Sibuea, Nurhalimah Simanjuntak, Destrina Grace Sirmas Munte Sitepu, Elizabeth Situmeang, Mahyudin Situmorang, Mananda Sriyanto, Darmawan Subaktiar, Subaktiar Sudane, I Wayan Suhartono SULISTIA, SULISTIA Suryanto, Dasep Suryanto Susanto, Rinaldo suswati suswati Syafitri, Widya Syam , Nova Astuty Syerly Klara Syukran, Rahmat Tomsio, Ismail Tri Artono Trisnowati Josiah Tulim, Anto Veny Selviyanty Wahmin Rais Windarsari, Wiwin Riski Wulandari, Reta Yanthi, Erlina Yuli Yudi Sukmono, Yudi Yuli Yetri Yulia Yunita Yusuf Yunita Yusuf, Yulia Yunus, Asmar Yusneti, Yusneti Yusri Mura Yusuf, Yulia Yunita Zaimar, Fina Ruzika Zulfani Sesmiarni