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All Journal E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis Jurnal Bisnis Dan Kajian Strategi Manajemen Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) el-Amwal Visioner & Strategis International Conference on Health Science, Green Economics, Educational Review and Technology (IHERT) Jurnal Intelek Dan Cendikiawan Nusantara Journal of Accounting Research, Utility Finance and Digital Assets (JARUDA)
Muchsin Muchsin
Faculty Of Economics And Business Universitas Malikussaleh
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THE EFFECT OF DIGITAL PAYMENT, DIGITAL TRANSFORMATION, AND DIGITAL BANKING ON FINANCIAL PERFORMANCE OF MSMES IN KOTA JUANG DISTRICT, BIREUEN REGENCY Nurlela; Chairil Akhyar; Muchsin; Salsabila Prina Wahyuni
International Conference on Health Science, Green Economics, Educational Review and Technology Vol. 7 No. 2 (2025): 10th IHERT (2025): IHERT (2025) SECOND ISSUE: International Conference on Healt
Publisher : Universitas Efarina

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Abstract

This study aims to analyze the effect of Digital Payment, Digital Transformation, and Digital Banking on the financial performance of Micro, Small, and Medium Enterprises (MSMEs) in Kota Juang Subdistrict, Bireuen Regency. A quantitative technique based on a survey methodology was used in this research. A total of 1,245 micro-enterprises operating in the trade sector formed the research population. A purposive sampling approach was employed to select 93 businesses, with proportions determined using the Slovin formula. Questionnaires served as the primary data source, which were then analyzed using multiple linear regression analysis in SPSS. The findings indicate that the financial performance of MSMEs is positively and significantly influenced by digital payments. Meanwhile, digital banking and digital transformation show a smaller yet positive impact on financial performance. The limited utilization of digital technology and banking services among micro-enterprises suggests that these factors have not yet had a significant effect in improving their financial performance.
Co-Authors Adinda Surgana Akhyar, Chairil Alisa Alisa Anhar Mubarak Aprilianti Aprilianti Bahri, Halida Chalirafi, Chalirafi Eka Khairani Fara Azmira Hasibuan, Ahmad Fauzul Hakim Heriyana Heriyana Ikramuddin, Ikramuddin Jullimursyida Kembaren, Emmia Tambarta Khairina AR Muammar Khaddafi Muhammad Yani Fadhil Munardi Munardi Nadia Shalaty Naufal Bachri, Naufal Nurainun Nurlela Nurmaida Nurmaida Riska Yulia Putri Rusydi Rusydi Abubakar Salsabila Prina Wahyuni Sapna Biby T. Edyansyah, T. Edyansyah Teuku Zulkarnaen Winda