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All Journal Proceedings of Annual International Conference Syiah Kuala University - Social Sciences Chapter Journal of Management - Small and Medium Enterprises (SME's) KETIK : Jurnal Informatika
Fayeno Yunanda
Syiah Kuala University, Banda Aceh
Computer Science & IT Economics, Econometrics & Finance

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The influence of earnings, cash flow components and operating working capital on future cash flow of banking sector in Indonesia Fayeno Yunanda; Islahuddin Islahuddin
Proceedings of AICS - Social Sciences Vol 7 (2017): 7th AIC in conjuction ICMR 2017 Universitas Syiah Kuala October 2017
Publisher : Proceedings of AICS - Social Sciences

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (520.113 KB)

Abstract

This study is aimed at examining the influence of earnings, cash flow components and operating working capital on future cash flow of banking sector in Indonesia for the period of 2010-2014. Banking sector is considered in this study for its reputation as one of the fastest growing sector in financial services industry in Indonesia. A sample of 48 banks is drawn purposively from banking companies listed in IDX (Indonesian Stock Exchange) for the period of 2010-2014. Multiple linear regression analyses are used to test the hypotheses. The result showed that earnings, cash flow components of operating cash flow, investing cash flow, and financing cash flow, and operating working capital are simultaneously influence future cash flow. In addition, only earnings influences future cash flow, while operating cash flow, investing cash flow, financing cash flow and operating working capital has no partial influence on future cash flow.
Fintech Innovation: A Solution to Enhance the Sustainability of Micro, Small, and Medium Enterprises Halawa, Forman; Gulo, Menliman Joyfal; Halawa, Borisman; Sinaga, Hizkia Edwar; Yunanda, Fayeno
KETIK : Jurnal Informatika Vol. 2 No. 03 (2025): Januari
Publisher : Faatuatua Media Karya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70404/ketik.v2i03.147

Abstract

This research examines the role of Financial Technology (fintech) in the sustainability of Micro, Small, and Medium Enterprises (MSMEs). This topic is intriguing because fintech is rapidly evolving and holds significant potential to address the financing access challenges often faced by MSMEs. The research problem formulated is: What are the antecedents and consequences of fintech on the sustainability of MSMEs? This study provides new contributions by exploring the relationship between fintech adoption and MSME performance from the perspective of current literature, which has not been extensively researched. The method employed is a systematic literature review of 22 articles from the Scopus database that meet the inclusion criteria based on the keywords “Financial Technology” and “SMEs.” The results indicate that the antecedents of fintech adoption include financial literacy, perceived usefulness, regulatory support, and digital readiness, while the consequences encompass improved access to financing, operational efficiency, and business growth. Furthermore, it was found that challenges in using fintech include technological risks and a lack of explainability in AI methods. In conclusion, fintech plays a crucial role in supporting the sustainability of MSMEs through enhanced financial inclusion and market access. The implications of this research highlight the need for policies that support fintech adoption and improve financial literacy to strengthen the positive impact on MSMEs. This study proposes a future research agenda related to the development of more inclusive fintech business models and comparative studies between countries.
THE SYSTEMATIC LITERATURE REVIEW OF THE IMPACT OF FINTECH IN ENCOURAGING GREEN INNOVATION IN MSMEs Sinaga, Royanti; Yunanda, Fayeno
Journal of Management Small and Medium Enterprises (SMEs) Vol 18 No 2 (2025): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v18i2.20274

Abstract

This study investigates the role of fintech in promoting green innovation among Small and Medium Enterprises (SMEs) worldwide. This paper analyses various research studies and highlights key aspects of fintech’s contributing to sustainable business practices. Firstly, fintech supports access to finance through digital platforms and innovative financing models such as peer-to-peer lending (P2P), enabling SMEs to invest in environmentally friendly technologies. Secondly, green financing mechanisms such as crowdfunding and blockchain technology facilitate transparent and accountable investments in sustainable projects. Thirdly, fintech promotes the digitalization of business operation processes, increasing efficiency and reducing carbon footprints. Furthermore, fintech contributes to developing financial literacy, empowering SMEs to make better decisions about sustainable investments. The study also explores how fintech incentives, such as rewards for eco-friendly purchases, could drive consumer demand for sustainable products. To sum up, fintech plays a vital role in fostering green innovation among SMEs by providing better access to finance, promoting transparency, introducing eco-friendly technologies, and expanding market access. Keywords: Fintech; Green Innovation; MSMEs
Co-Authors Gulo, Menliman Joyfal Halawa, Borisman Halawa, Forman Islahuddin Islahuddin Sinaga, Hizkia Edwar Sinaga, Royanti