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All Journal EKSYAR: Jurnal Ekonomi Syari'ah & Bisnis Islam Jurnal Ulul Albab Jurnal Equity JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) JURNAL Al-AZHAR INDONESIA SERI SAINS DAN TEKNOLOGI EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Community Development Journal: Jurnal Pengabdian Masyarakat JMK Jurnal Manajemen dan Kewirausahaan IIJSE Journal of Community Empowerment Journal of Islamic Economics and Finance NuCSJo : Nusantara Community Service Journal Advance Sustainable Science, Engineering and Technology (ASSET) Equity Journal of Sharia Economy and Islamic Tourism Jurnal Kegiatan Pengabdian Mahasiswa (JKPM)
Hidayanti, Nur Fitri
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Journal : Equity

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Impact of Fintech and Risk Management on The Sustainability Performance of MSMEs (Micro, Small and Medium Enterprises) Safira, Safira; Agustina, Ahadiah; Hidayanti, Nur Fitri; Mukhlishin, Mukhlishin
EQUITY Vol 28 No 1 (2025): EQUITY
Publisher : Department of Accounting, Faculty of Economics and Business, Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34209/equ.v28i1.10160

Abstract

This study aims to analyse the impact of Fintech and Risk Management on the Sustainability Performance of MSMEs in Mataram City. Using a quantitative approach, this study involved 100 MSMEs that have adopted Fintech services in the sub-district cakranegara and sub-district mataram areas. Data was collected through a 5-point Interval scale-based questionnaire and analysed using multiple linear regression with SPSS software version 22. The results showed that Fintech has a significant effect of 27.8% on MSME Sustainability Performance, while Risk Management has a significant effect of 53%. These findings highlight the importance of digital financial literacy and strategic risk management implementation in supporting MSME business sustainability. This research recommends MSME players to optimally utilise Fintech services and implement structured risk management. In addition, government policies are expected to facilitate digital financial literacy training and provide technical guidance on risk management for MSMEs. With this approach, Fintech will not only improve MSME competitiveness but also strengthen their business sustainability in the digital economy era. Keywords: Financial Technology (Fintech); Risk Management; Sustainability Performance MSMEs.
Co-Authors Abdurahman Abdurrahman Ahadiah Agustina Ahmad Hulaimi AHMAD HULAIMI, AHMAD Akbar, M. Taufik Aqodiah, Aqodiah Ariani, Zaenafi Ati, Suci Canda Baiq Reinelda Tri Yunarni Buanita, Buanita Dewi, Novi Yanti Sandra Edrian, Veni Endang Rahmawati, Endang Hudri, Muhammad Ilham Ilham Indri Indri Iswanto, Dedy Kartina Kartina Mabrur, Imam Mappanyompa, Mappanyompa Mardiah Hayati, Mardiah Mega, Baiq Indah Mos Indrawati Mukhlishin, Mukhlishin Nabila, Aprilian Ningsih, Nurul Hidayati Indra Nur Aini Nur'aini, Nur'aini Rahmat Rahmat Safira, Safira Said, Khaeruddin Siti Lamusiah, Siti Syaharuddin Syaharuddin Syaharuddin Syahrul R, Syahrul Tazhdinov, Magomed Triyunarni, Baiq Reinalda Vera Mandailina, Vera Wibisono, M. Putra Z, Sahman