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All Journal Jurnal Riset Akuntansi dan Bisnis JOURNAL OF INFORMATICS AND TELECOMMUNICATION ENGINEERING JURNAL EDUCATION AND DEVELOPMENT REMIK : Riset dan E-Jurnal Manajemen Informatika Komputer INFOKUM Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (JASMIEN) Journal of Science and Education (JSE) Instal : Jurnal Komputer Jurnal Ekonomi Jurnal Ilman: Jurnal Ilmu Manajemen Jurnal Masyarakat Indonesia The Indonesian Journal of Computer Science
Khairunnisa Almadany
Politeknik LP3I Medan
Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Languange, Linguistic, Communication & Media Mathematics Physics Social Sciences

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Journal : JOURNAL OF INFORMATICS AND TELECOMMUNICATION ENGINEERING

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Design and Field Evaluation of a Smart-Contract FinTech Model for MSME Financial Accountability and Transparency in Medan Surbakti, Eka Wulandari; Hasibuan, Siska; Almadany, Khairunnisa; Khair, Rizaldy
JOURNAL OF INFORMATICS AND TELECOMMUNICATION ENGINEERING Vol. 9 No. 2 (2026): Issues January 2026
Publisher : Universitas Medan Area

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31289/jite.v9i2.16411

Abstract

Digital transformation requires Micro, Small, and Medium Enterprises (MSMEs) to enhance financial transparency and accountability in order to support Indonesia’s digital economic growth. This research is motivated by the limitations of traditional MSME accounting systems, which are still dominated by manual record-keeping, vulnerable to data manipulation, and characterized by limited access to digital accounting technologies. These conditions may reduce trust from business partners and financial institutions. Blockchain-based smart contract technology offers an innovative solution by enabling transparent, automated, and immutable financial transactions. This study aims to design a smart contract–based digital accounting system suitable for implementation by MSMEs in Medan City. The research adopts a Research and Development (R&D) approach combined with Design Science Research (DSR). The research stages include user needs identification, system design using the Solidity programming language, prototype development on the Ethereum Testnet, and testing through MSME transaction scenarios. System evaluation was conducted through functional testing and end-user interviews, revealing significant improvements in key financial accountability indicators, along with a high system usability score (SUS = 77.12) and strong adoption intention. The proposed system is expected to deliver a real-time, automated, and tamper-resistant accounting model that strengthens MSME financial accountability and competitiveness within the digital economy ecosystem..
Co-Authors Br Lubis, Ika Rahmadani Eka Wulandari Surbakti Fatma Juliana Hasibuan, Siska Imamati Zikra Ar Rusyfa Maulidya Rahmah Nirmalahaty Harahap Nurlinda Prasetya , Linda Rahmah, Maulidya Ricka Wahyuni Rizaldy Khair Sevana Rizki Lubis Siska Hasibuan Supriyanto Surbakti, Eka Wulandari Syahril Wisnu Yudhistira