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All Journal International Journal of Artificial Intelligence Research International Journal of Economics Development Research (IJEDR)
Puji Isyanto
Universitas Buana Perjuangan Karawang, Indonesia
Computer Science & IT Economics, Econometrics & Finance Electrical & Electronics Engineering Social Sciences

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The Role Of Financial Technology (Fintech) in MSMEs Rheva Tiansyah Putri; Puji Isyanto; Neni Sumarni
International Journal of Economics Development Research (IJEDR) Vol. 4 No. 1 (2023): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v4i2.2193

Abstract

People can choose from various service items due to advances in information and technology. Internet services that have recently benefited the community, especially MSMEs, are financial technology (Fintech). Both the financial and economic sectors use this technology. Many fintech technologies help people in business and financial matters. Systems and services for fintech are becoming increasingly fast and simple. The purpose of researching this is to evaluate and understand the function of financial technology (Fintech) on the growth of Micro, Small and Medium Enterprises or MSMEs in the Subang area. Inevitably, capital, financing, and funding issues are significant problems in their business activities. Transactions with Fintech can greatly help BRI Link's MSMEs to grow their business and provide peace of mind against financial crises. The capital loan system through banks is rather tricky, especially for MSMEs that usually do not have complete financial reporting business processes. Therefore, it is interesting to see the role of the emergence of Fintech and its success for MSMEs. This research uses a descriptive qualitative approach. The results of this study indicate that MSMEs and the community can utilize Fintech because it is felt to have benefits to facilitate the operations of MSMEs, especially BRI LINK agents in Subang Regency. Fintech makes it easy for people to get online loan capital and for MSMEs to report their finances.
Does Competitive Advantage Mediate Innovation Capability and Organizational Ambidexterity-Organizational Performance Relationship? Indra Muis; Puji Isyanto
International Journal of Artificial Intelligence Research Vol 6, No 1.1 (2022)
Publisher : STMIK Dharma Wacana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29099/ijair.v6i1.1.693

Abstract

This study aims to describe innovation capability, organizational ambidexterity, competitive advantage, and organizational performance and investigate the effects of innovation capability and organizational ambidexterity on organizational performance as mediated by competitive advantage. Owners of small and medium-sized enterprises in Bekasi Municipality, West Java Province, Indonesia are the unit of study. This study employs quantitative methodologies. The research population comprised 2,186 SME businesses registered with the Government Office of Small and Medium Enterprises of Bekasi municipality, West Java Province, Indonesia. The respondents consisted of 100 SME business owners, and the sampling technique was simple random sampling. The analysis of the data using the Partial Least Square approach. The results show that innovation capability and organizational ambidexterity have positive effects on competitive advantage; innovation capability and organizational ambidexterity also have a positive direct impact on organizational performance; competitive advantage mediates the innovation capability and organizational performance relationship and also organizational ambidexterity and organizational performance relationship. SMEs owners must implement innovation capability and organizational ambidexterity to improve their competitive advantage and performance.
Co-Authors Indra Muis Neni Sumarni Rheva Tiansyah Putri