Article Per Year (5 Year)
p-Index From 2021 - 2026
1.984
P-Index
This Author published in this journals
All Journal Al-Kharaj: Journal of Islamic Economic and Business International Conference on Health Science, Green Economics, Educational Review and Technology (IHERT) Journal of Accounting Research, Utility Finance and Digital Assets (JARUDA)
Nurlela
Universitas Malikussaleh
Computer Science & IT Economics, Econometrics & Finance Education Health Professions

Published : 13 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
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

Show Abstract | Download Original | Original Source | Check in Google Scholar

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 Ahgniya Putra Akhyar, Chairil Auliani Ghazali Syamni Husaini Jummaini Lily Andari Mukhtar Marzuki Marzuki Muchsin Muchsin Muchtar, Darmawati Muhammad Fikri Akbar Munira Ulfa Muttaqien Rahmatillah Reza Hendri Yana Rico Nur Ilham Rieneke Ryke Kalalo Riska Yanti Ristati Ristati Salsabila Prina Wahyuni Sari Yulis Terfiadi Sean Michael Owen Wijaya Silfia Citra Wahyuddin Albra Wardhiah, Wardhiah Widya Hartanti Zaufani Putri Khairun Zulfan