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All Journal Al-Kharaj: Journal of Islamic Economic and Business International Conference on Health Science, Green Economics, Educational Review and Technology (IHERT)
Nurlela
Universitas Malikussaleh
Computer Science & IT Economics, Econometrics & Finance Education Health Professions

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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.
The Influence of Risk Perception and Trust on Investment Decisions Rieneke Ryke Kalalo; Ristati; Chairil Akhyar; Nurlela; Sean Michael Owen Wijaya
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i1.9960

Abstract

This study aims to analyze the influence of risk perception and trust on investment decisions in Indonesia. This study used a quantitative approach, collecting data through questionnaires from respondents with investment experience. The sampling technique used purposive sampling, while data analysis was conducted using multiple linear regression. The results indicate that risk perception and trust influence investment decisions. Risk perception makes investors more cautious in making investment choices, while trust in investment institutions or platforms can increase investor confidence in investing. Thus, risk perception and trust are important factors in influencing people's investment decisions.
Co-Authors Chairil Akhyar Muchsin Muchsin Rieneke Ryke Kalalo Ristati Ristati Salsabila Prina Wahyuni Sean Michael Owen Wijaya