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Journal : International Journal of Health, Economics, and Social Sciences (IJHESS)

Payment System Management to Prevent Fraud in Micro, Small, and Medium Enterprises (MSMEs) at Disa Olshop Usman, Rudy; Ibrahim, Andi Indriani; Palawa, Muh Riswandi; Setiawan, Dina Faidahlya Putri; Hamdani, Sawitri Setiati; Syafitri, Dhiza
International Journal of Health, Economics, and Social Sciences (IJHESS) Vol. 7 No. 4: October-2025
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/ijhess.v7i4.8191

Abstract

The development of e-commerce drives MSMEs to adopt digital payment systems, yet many still face fraud risks due to weak internal control mechanisms. This study aims to analyze how the payment system is managed by the MSME Disa Olshop in Palu City as a fraud prevention strategy. This research uses a qualitative approach with a phenomenological method, conducted through in-depth interviews with the business owner selected purposively. Data were analyzed thematically through transcription, coding, theme identification, and conclusion drawing. The findings indicate that the payment system remains manual and lacks verification technology, making it vulnerable to fraud such as fake transfer receipts. The absence of standard operating procedures and reliance on manual record-keeping increases the risk of financial loss. The business owner has acknowledged these weaknesses and is considering adopting digital systems such as QRIS and financial recording applications. This study concludes that strengthening the payment system through digital technology and internal controls is essential to prevent fraud and enhance consumer trust.
The Role of Management Information Systems in Organizational Fund Management: Study on the Student Executive Board of the Faculty of Economics and Business, Tadulako University Rudy Usman; Andi Indriani Ibrahim; Misbahul Aulia; Yuly Azahra; Dian Safita; Nini Andriani
International Journal of Health, Economics, and Social Sciences (IJHESS) Vol. 7 No. 4: October-2025
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/ijhess.v7i4.8590

Abstract

This research discusses the role of Management Information Systems (SIM) in managing student organization funds, with a research focus on the Student Executive Board of the Faculty of Economics and Business (BEM FEB), Tadulako University (UNTAD). The main problem raised is the suboptimal financial system of student organizations that are still managed manually, as well as the lack of transparency and accountability in fund management. The purpose of this research is to explore how SIM is used in practice, to deal with the challenges faced, and its contribution to the efficiency and transparency of the organization's financial governance. This research used a qualitative approach with a case study method, and data collection techniques of semi-structured interviews and documentation. The results show that although the use of SIM is still limited to simple applications such as Excel and Google Drive, the system has helped the management in recording finances, preparing reports, and monitoring expenses. SIM also encourages a more accountable and collaborative organizational culture. However, limited human resources, infrastructure, and digital literacy are significant challenges in optimizing the system. This research contributes to understanding the role of information technology implementation at the student organization level and recommends the need for institutional support and continuous training to strengthen digital-based managerial capacity in the campus environment.