Article Per Year (5 Year)
p-Index From 2021 - 2026
0.61
P-Index
This Author published in this journals
All Journal BERKALA SAINSTEK Jurnal Ilmiah Keperawatan Journal of Social Comunity Services Management Analysis Journal
Pitaloka, Diah Ayu
Unknown Affiliation
Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Chemistry Dentistry Economics, Econometrics & Finance Health Professions Mathematics Nursing Physics Public Health Veterinary

Published : 5 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search
Journal : Management Analysis Journal

 1 
From Fintech to Competitiveness: Financial Sustainability Performance of MSMEs in the Digital Era Pitaloka, Diah Ayu; Afandy, Chairil
Management Analysis Journal Vol. 14 No. 2 (2025): Management Analysis Journal
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/maj.v14i2.27535

Abstract

The main objective of this study is to analyze the role of competitiveness as a mediator in the relationship between financial technology (fintech) adoption and financial sustainability performance in Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. Fintech provides easy access to digital financial services that positively impact productivity and transaction efficiency in MSMEs. This study uses the Practice-Based View (PBV) approach to understand how MSMEs can adopt fintech to improve their competitiveness and financial sustainability performance. Data was collected from 190 respondents who have adopted fintech using purposive sampling and snowball sampling techniques. This research uses the Partial Least Squares - Structural Equation Modeling (PLS-SEM) method through SmartPLS 4.0. The results showed that fintech significantly affects competitiveness and financial sustainability performance in MSMEs, and competitiveness substantially mediates the relationship between the two. This study confirms that using fintech as a strategic practice can strengthen competitiveness and thus encourage financial sustainability performance in the long term.
Co-Authors Amanda Ayu Rizkya Angelia Sofi Anida, Choirun Nisa Aprilianti, Caleysda Chairil Afandy Fauziyyah, Himayah Izmi Haji, Lina Sun Ihwaludin, Arham Ratnawati, Mamik Siti Khumairoh Syamsiar, Syamsiar Ulfa, Ida Nikmatul