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All Journal Jurnal Manajemen Terapan dan Keuangan Jurnal Ilmiah Universitas Batanghari Jambi Journal of Economic, Bussines and Accounting (COSTING) EKONOMIS : Journal of Economics and Business Scientific Journal of Reflection : Economic, Accounting, Management and Business JURNAL PENGABDIAN KEPADA MASYARAKAT Martabe : Jurnal Pengabdian Kepada Masyarakat Abdimas Umtas : Jurnal Pengabdian kepada Masyarakat Idaarah: Jurnal Manajemen Pendidikan Jurnal REP (Riset Ekonomi Pembangunan) Jurnal Mantik Jurnal Manajemen Journal of Research in Business, Economics, and Education International Journal of Economics Development Research (IJEDR) Community Engagement and Emergence Journal (CEEJ) Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Ilmiah Manajemen Kesatuan Jurnal Ilmu Manajemen Profitability GANDRUNG: Jurnal Pengabdian Kepada Masyarakat Jurnal Scientia Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences International Journal Of Science, Technology & Management (IJSTM) SCIENCE : Jurnal Inovasi Pendidikan Matematika dan IPA Jurnal Ekonomi Akuntansi Prima Jurnal Ipteks Terapan : research of applied science and education International Journal of Economics, Social Science, Entrepreneurship and Technology (IJESET) Wahana QISTINA: Jurnal Multidisiplin Indonesia Journal Liaison Academia and Society International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC) JURNAL ILMIAH SOCIO SECRETUM Journal of Business Integration Competitive Journal of Finance Integration and Business Independence
Rafida Khairani
Universitas Prima Indonesia
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Journal : Journal of Business Integration Competitive

 1 
The Contribution of E-Commerce and Financial Manage-ment to Enhancing MSME Performance in Indonesia Rafida Khairani; Tantri Octora Dwi Syah Putri
Journal of Business Integration Competitive Vol. 2 No. 1 (2025): Journal of Business Integration Competitive
Publisher : Yayasan Bina Bisnis Nusantara Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64276/jobic.v2i1.30

Abstract

This study explores how e-commerce adoption and financial management jointly enhance the performance and sustainability of micro, small, and medium enterprises (MSMEs) in Indonesia. Using a qualitative literature review approach, the research identifies e-commerce as a driver of market expansion and innovation, while financial management ensures business stability and accountability. The findings show that digital transformation must be supported by financial discipline to achieve long-term growth. MSMEs that integrate both capabilities become more resilient, efficient, and competitive in the digital economy. Strengthening infrastructure, financial literacy, and collaboration among government, financial institutions, and digital platforms is essential for inclusive MSME development. Overall, the synergy between e-commerce and financial management provides a strategic foundation for building sustainable and competitive MSMEs in Indonesia’s evolving digital landscape.
A Performance Model for MSMEs Based on Access to Financing and Its Impact on Community Welfare in Deli Serdang Regency Tyus Windi Ayuni; Rafida Khairani; Debora Tambunan; Mega Sanjaya; Darwan Tanady
Journal of Business Integration Competitive Vol. 2 No. 2 (2026): Journal of Business Integration Competitive
Publisher : Yayasan Bina Bisnis Nusantara Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64276/jobic.v2i2.83

Abstract

This study aims to analyze the effect of access to financing on community welfare, with the performance of Micro, Small, and Medium Enterprises (MSMEs) serving as a mediating variable in Deli Serdang Regency. This study employs an explanatory research approach. The sample consists of 93 MSMEs in Deli Serdang Regency. A quantitative approach is applied using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS). Data were collected through the distribution of questionnaires to MSME operators as research respondents. The results indicate that access to financing has a positive and significant effect on MSME performance. Furthermore, MSME performance also has a positive and significant effect on community welfare. In addition, access to financing also has a direct positive and significant effect on community welfare. The results of the mediation test indicate that MSME performance mediates the relationship between access to financing and community welfare. These findings suggest that improved access to financing, accompanied by enhanced MSME performance, can make a significant contribution to increasing community welfare. Therefore, the government and financial institutions need to play an active role in expanding access to financing and improving MSME capacity in order to enhance business performance and community welfare in a sustainable manner.
Co-Authors Adi Harianto Agita Karina Br Ginting Agung, Leonardi Prasetyo Ahmad Rivai Alvin Krisdian Amir, Afriza Anderson, Rich Andrian Andrian Andry Lunoto Angelia Baosiska Br. Silaban Anggita Putri Anita Armansyah Armansyah Artedjo, Dennis Bernice Erin Bryan Berlin Butarbutar, Ribka Sari Celsi ApriWenny Siregar Charolina Charolina Chorin Tandean Darwan Tanady Dasar Iman Lahagu Debora Tambunan Dhea Cristina Damanik Dhevin Ghoward Dhita Adriani Rangkuti Diny Rahmah Putri Dwita Sakuntala Dwiyanda, Fadhilla Esmeralda Esmeralda Esther Praja Anggriany Panggabean Fali, Ibrahim Mallam Fati Syafira Fati Syafira Febertina Gea Febry Rizky Al Fadilla Sitompul Ferry Fong Franklein Franklein Ghoward, Dhevin Ginting, Kristi Endah Ndilosa Grace Theresia Silaban Haposan Joshua Hasibuan Harahap, Rahmat Alamsyah Harto Miharjo Simanullang Helena Louise Panggabean Herlin Munthe Herti Kristiyani Silalahi Iis Siti Jahro Ika Irawati Karolina Irvan Renata Isna Asdiani Nasution Jarunjung Hutagaol Jason Mulia Jekson Simatupang Jenifen Jerico Prince Wijaya Jerry Adrian Caspari Ginting JHOLANT BRINGG LUCK AMELIA BR SINAGA Juanda Situmorang Juniarta Rajagukguk Kelvin Kenji Lau Kevin Stephan Khana Saputri Khasrad . Khasrad, Khasrad Kiki Hardiansyah Siregar Kiki Hardiansyah Siregar Kristi Endah Ndolisa Ginting Kristianus Buulolo Kristina Peritua Aruan Kurniawan, Cindy Laia, Sarifin Laidy, Yenny Lorensisca Sitorus Lorensisca Sitorus Mas Intan Purba Masnika Sinaga Masnika Sinaga MAYA ANDRIANI Mega Sanjaya Mesra Juliana Michael Simanjuntak Monarisa Ritiani Br Ginting Muhammad Fikri Haikal Nana Gustia Nasib Nasution, Isna Asdiani Ndruru, Methodist Putra Jaya Nelva Meyriani Nico Nico Nikita, Ade Rani Noviyanti Wijaya Nurul Wardani Lubis Olyvia Hutasoit Ovami, Debbi Chyntia Panggabean, Esther Praja Anggriany Pospos, Ade Fadillah FW Purba, Mas Intan Purba, Purnama Yanti Purnama Yanti Purba Purnama Yanti Purba Putri Rizkia, Putri Putri, Tantri Octora Dwi Syah Rahmat Alamsyah Harahap Ribka Hartati Hutabalian Ribka Sari Butarbutar Robin Robin Ronalda, Willie Roryn Chelsi Gea Roryn Chelsi Gea Rudiyanto Rudiyanto Rudiyanto Rusdimansyah Said, Fahrezi Hasyim Shela Shindu Bayrewi Sinaga, Jholant Bringg Luck Amelia Br Sinaga, Putri Yohana Sinaga, Sinta Anna Magdalena Siregar, Ina Namora Putri Siti Ramadhani Sonia Angela Hutabarat Spanic, Vincent Srihot Laila Steven Steven W Susi Hannaria Manalu Syafira, Eka Ananda Syawitri Wulandari Tantono, Eric Aditya Tantri Octora Dwi Syah Putri Tanujaya, Jessicha Teresia Sihombing Teresia Sri Arihta Tiffany Tanady Tiolina Fernanda Ujung Tyus Windi Ayuni Tyus Windi Ayuni Velicia Velicia Venna Melinda Veronika Veronika Vian, Vian Vivian Ayu Wijaya Widy Hastuty HS Wijaya, Noviyanti Yanti Purba, Purnama Yeni Ariesa Yenny Laidy Yoseph Setiawan Zai Yovie Ernanda Yuli Rama Dewi Zulia Rifda Daulay