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All Journal International Journal of Law Reconstruction Jurnal Bisnis dan Manajemen Jurnal Ekonomi Islam Al-Muzara'ah Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Jurnal Inovasi Hasil Pengabdian Masyarakat (JIPEMAS) Jurnal Manajemen Bisnis SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Tasharruf: Journal Economics and Business of Islam Jurnal Ilmiah Akuntansi Kesatuan Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal Pengabdian kepada Masyarakat Indonesian Journal of Business Analytics (IJBA) Jurnal Ekonomi Islam IIJSE Jurnal Pajak dan Analisis Ekonomi Syariah
Yudi Ahmad Faisal
Fakultas Ekonomi Dan Bisnis Universitas Padjadjaran
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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Digital Financing Business Models for MSMEs in Indonesia: Effect on Financial Access, Productivity, and Job Creation toward SDG 8 Satya, Adji Dwi; Cupian; Faisal, Yudi Ahmad
Jurnal Ilmiah Akuntansi Kesatuan Vol. 13 No. 6 (2025): JIAKES Edisi Desember 2025
Publisher : Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jiakes.v13i6.4336

Abstract

This study examines the role of digital financing business models in improving financial access and supporting MSME performance in Indonesia, aligned with SDG 8 goals of increasing productivity and job creation. Using a quantitative approach, the study surveyed 120 MSME owners from the Jakpreneur program in Jakarta. Quantitative data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The results show that a well-designed digital financing business model significantly increases MSMEs’ use of digital financing platforms, which in turn improves financial access. Financial access has a strong positive effect on productivity and facilitates job creation, primarily through better employee welfare and capacity expansion. These findings highlight that digital financing not only enhances access to capital but also drives operational efficiency and sustainable business growth. The study contributes to the understanding of how digital financial solutions can act as a catalyst for inclusive economic development and provides insights for platform providers, policymakers, and future researchers to optimize their role in empowering MSMEs.
Co-Authors Achsani , Muhammad Al Bahri, Abil Arqom Amelia Rizky Alamanda Apriliadi, Ardi Ardi Apriliadi Asep Mulyana Asep Mulyana Budi Harsanto Cupian Cupian Dian Masyita Egi Arvian Firmansyah Erie Febrian Fadilla, Fadilla Fathoni, Muhammad Anwar Ferdiansyah, Nizar Fitri Irianti Hamzah, Muchammad Wilianto Indra Gunawan Joeliaty Joeliaty Kurniawan, Fakhry Hafiyyan Lukman Santoso Meutia Damai Nurlita Mokhamad Anwar Muhammad Fajri Novie Wulan Sari Nugraha, Ilham R. Rina Novianty Ariawaty Runita Arum Kanti Satya, Adji Dwi Shandy, Venny Mellandhia Sulaeman Rahman Nidar Suryani Suryani Venny Mellandhia Shandy Verina Araminda Prinari Wiji Astuti