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All Journal Jurnal Al-Maqayis Jurnal Ilmiah Ekonomi Islam Jurnal Ulul Albab JMM (Jurnal Masyarakat Mandiri) SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Owner : Riset dan Jurnal Akuntansi Jesya (Jurnal Ekonomi dan Ekonomi Syariah) IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Jurnal Equity JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Quantitative Economics and Management Studies Jurnal Pengabdian kepada Masyarakat Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) Kasta: Jurnal Ilmu Sosial, Agama, Budaya dan Terapan Kreasi: Jurnal Inovasi dan Pengabdian Kepada Masyaraka Jurnal Perbankan Syariah Darussalam (JPSDa) Indo-Fintech Intellectuals: Journal of Economics and Business IIJSE Majapahit Journal of Islamic Finance dan Management Majapahit Journal of Islamic Finance dan Management Journal of Community Empowerment Jurnal Pemberdayaan Masyarakat dan Komunitas Equity Journal of Sharia Economy and Islamic Tourism Sadar Wisata: Jurnal Pariwisata Jurnal Abdimas Indonesia JURNAL ECONETICA: Jurnal Sosial, Ekonomi Dan Bisnis
Ahadiah Agustina
Universitas Muhammadiyah Mataram
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemistry Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Neuroscience Nursing Public Health Social Sciences Other

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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 Abdillah, Muhammad Zaki Abdul Wahab Abdul Wahab Abdul Wahab Karim Aditiawan, Lalu Fahat Aditir, Myhammad Afrianti, Lusiana Ageska Nugroho Ageska Nugroho AHMAD HELWANI AHMAD HULAIMI, AHMAD Amil, Amil Ananta, Herdi Gilang Andani, Merry Andri Setiawan Aolia, Jumatul Aqodiah Aqodiah Aqodiah, Aqodiah Ariani, Zaenafi Arnola, Aditya Aulia, Putri Azizah, Zuriatul Baiq Andini Baiq Ida Astini Buanita, Buanita Dewi, Novi Yanti Sandra Erwin Erwin Fitratusnnisa, Fitratunnisa Fitri Hidayanti, Nur Fitriana, Nabilla HELWANI, AHMAD Hidayanti, Nur Fitri Hindayanti, Nur Fitri Husnan Imam Mabrur Imam Mabrur Indri Indri Ishanan Ishanan Izomi, Syahrul Jumatul Aolia Khaeruddin Said M. Musfiatul Wardi M. Syahrul Izomi Mabrur, Imam Mappanyompa Mappanyompa Marianah, Marianah Masykur, M. Zaki Masykur, Muhammmad Zakki Maulana, Bayu Meisyaqia Andriani, Dira Muanah, Muanah Muhammad Haikal Muhammad Iftor Ramadhan Mukhlishin Mukhlishin, Mukhlishin Mukhlisin Mukhlisin Mukmin Mukmin Mukmin Mukmin Muliatiningsih Muliatiningsih Mustafa Ali Muttaqien, Furqon Zainul Nasarudin Nasarudin Nasarudin, Nasarudin Niswatun Hasanah Novi Yanti Sandra Dewi Novi Yanti Sandra Dewi Nur Jannah Nuraini Nuraini Nurjannah Nurjannah Nurmitasari Nurmitasari, Nurmitasari Nurul Huda Nurul Huda Purnawirawan, Indra Putri, Risma Sahrani Ramadhan, Tauhid Rejeki Rosmiati Safira, Safira Sandra Dewi, Novi Yanti Saputra, Dalingga Sardi, Janudin Suhairin Supiani, Haerati Syaharani, Jihan Syahrani, Risma Ulfah, Indar Fauziah Ulfitriana Wardi, M. Musfiatul Yanti Sandra Dewi, Novi Zaenudin Zaenudin