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All Journal Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Seumike : Society Progress Journal
Ferdi Nazirun Sijabat
Sekolah Tinggi Ilmu Ekonomi Sabang (STIES) Banda Aceh
Humanities Chemical Engineering, Chemistry & Bioengineering Chemistry Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Nursing Social Sciences

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Fintech and Microfinance: Empowering Local Entrepreneurs for Sustainable Growth Ferdi Nazirun Sijabat; Safiah; Banta Karollah; Muhammad
Seumike : Society Progress Journal Vol. 1 No. 2 (2025): SEUMIKE
Publisher : Bansigom Na Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64826/seumike.v1i2.0061

Abstract

The issue of limited financial inclusion continues to hinder sustainable growth among micro-entrepreneurs in developing regions. This study explores the integration of Fintech and microfinance as a solution to enhance digital financial access, entrepreneurial capacity, and community resilience. The research focuses on a hybrid community engagement program jointly organized by KABA Academic Society (Indonesia) and KRIRK University (Thailand) in Soi Ram Intra, Bangkok. Using a participatory action research approach, the program was implemented through needs assessment, development of appropriate technologies, hybrid training, and short-term impact evaluation. The results showed significant improvements in digital literacy, business management skills, and environmental awareness among local participants. Community members learned to adopt digital marketing tools and simple composting technologies, which directly supported both economic and ecological sustainability. The hybrid model enabled inclusive access and knowledge transfer across diverse participants. The study concludes that combining Fintech solutions with microfinance frameworks in a community-based, cross-cultural initiative can empower local entrepreneurs and support long-term sustainable development goals.
KEPUASAN KERJA STUDI KASUS PADA FAKULTAS MIPA UNSYIAH Eliana Eliana; Banta Karollah; Ferdi Nazirun Sijabat; Intan Novia Astuti; Nasri Zarman
Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Vol 1, No 2: 2020
Publisher : LPPM Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/ebma.v2i1.2257

Abstract

The purpose of this study was to examine the influence of the work environment, competence and compensation jointly and partially on job satisfaction at the Faculty of Mathematics and Natural Sciences Environment Unsyiah. This research was conducted at the Faculty of Mathematics and Natural Sciences Environment, Unsyiah. The population in this study were employees in the Faculty of Mathematics and Natural Sciences with 72 respondents.This research was conducted using the census method in which the entire population was used as the object of research. The data obtained were then processed using the SPSS 20 analysis tool. This analysis includes the validity test, reliability test, classical assumption test, t test and F test and coefficient of determination (R2). Based on the results show that the work environment, competence and compensation have an effect on job satisfaction. The results of data analysis obtained an R square value of 0.619, which means that the job satisfaction variable can be explained by the work environment, competence and compensation of 61.9%, while 38.1.0% of the effect is explained by other variables. For hypothesis testing (t count> t table), the t test results in this study amounted to (3.554> 1.666) with a significant 0.001 for work environment variables, (3.702> 1.666) and 0.000 significant for competency variables and (2.024> 1.666) and a significance of 0.002 for the compensation variable, the results state that the work environment, competence and compensation have a positive and significant effect on job satisfaction. Whereas for testing the hypothesis together (F count> F table), the results of the F test in this study are (36,884> 3,12) for work environment variables, competence and compensation with a significant 0,000, these results explain that the work environment, competence and compensation has a significant effect on job satisfaction in the Faculty of Mathematics and Natural Sciences Unsyiah.
Co-Authors Banta Karollah Banta Karollah Eliana Eliana Intan Novia Astuti Muhammad Nasri Zarman Safiah