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All Journal Jurnal Administrative Reform Jurnal Kewarganegaraan SEIKAT: Jurnal Ilmu Sosial, Politik dan Hukum Jurnal Hukum dan HAM Wara Sains The Es Accounting and Finance Innovative: Journal Of Social Science Research Ekalaya : Jurnal Ekonomi Akuntansi Journal of Progressive Law and Legal Studies Jurnal Pendidikan Kewarganegaraan dan Politik Tumoutou Social Science Journal TECHNOVATE Indonesian Journal of Law and Justice Realism: Law Review
Sipayung, Baren
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Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Journal : TECHNOVATE

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SWOT Analysis in Business Risk Awareness in MSMEs Wahyudi, Dedi; T, Taryana; Tawil, Muhamad Risal; Z, Zulkifli; Sipayung, Baren
TECHNOVATE: Journal of Information Technology and Strategic Innovation Management Vol. 1 No. 2 (2024): April 2024
Publisher : PT.KARYA GEMAH RIPAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52432/technovate.1.2.2024.56-61

Abstract

This study reviews the SWOT analysis of these businesses, analyses business risks that MSMEs in the F&B industry face, and develops methods to mitigate those risks. Representing MSMEs in the growing food and beverage sector, Delightful Bites offers classic Indonesian pastries and drinks with unique flavours and creative touches. But they also face a lot of challenges and risks in running their firm, such as scarce resources, fierce rivalry, shifting costs for necessities, and shifting consumer tastes. This research uses a qualitative, case study methodology and is conducted through semi-structured interviews with the owners and managers of Delightful Bites, direct observation at the establishment, and analysis of business documents such as financial statements, business plans, promotional materials, and internal records. The results indicate that Delightful Bites has several strengths, including innovative products, a prime location, the use of substitute raw materials, and the use of local raw resources. These MSMEs are vulnerable to a number of risks, though, such as dependency on a single supplier, limited manufacturing capacity, and dependence on other factors. Furthermore, the study indicates that Delightful Bites has the ability to execute risk mitigation tactics, such as broadening its geographic reach by opening new branches or outlets in key locations, partnering with external parties for large-scale production, and allocating funds for more effective production facilities and equipment. It is hoped that this research will provide insightful information about practical approaches that MSMEs in the food and beverage sector can use to reduce risks and obstacles to business.
The Role of Fintech on Enchancing Financial Literacy and Inclusive Financial Management in MSMEs Hamid, Abdul; Widjaja, Warkianto; S, Sutrisno; Napu, Fitriah; Sipayung, Baren
TECHNOVATE: Journal of Information Technology and Strategic Innovation Management Vol. 1 No. 2 (2024): April 2024
Publisher : PT.KARYA GEMAH RIPAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52432/technovate.1.2.2024.81-88

Abstract

Fintech has transformed the global financial sector, providing more efficient, inclusive, and accessible financial services. Fintech has great potential to improve access to financial services, financial literacy, and more effective financial management for Micro, Small, and Medium Enterprises (MSMEs). MSMEs often experience barriers in accessing traditional financial services, which can hinder their business growth and sustainability. Fintech offers solutions that are more flexible and tailored to the needs of MSMEs, such as online loans with lighter terms, digital payment systems that facilitate transactions, and financial management applications that assist MSMEs in managing their finances more effectively. In addition, fintech also plays a role in improving MSMEs' financial literacy through digital financial education and training, which is crucial in helping them make informed financial decisions. This research uses descriptive method and literature analysis. Data was received from other studies that reviewed the role of fintech in the context of MSMEs. The results show that fintech has great potential to improve access to financial services, especially in developing countries. Fintech can improve the operational efficiency of MSMEs through solutions such as digital payments and financial process automation, which can help MSMEs save time and costs, and increase productivity. The urgency of improving MSMEs' knowledge and utilization of fintech is high, given the important role of MSMEs in the economy and the potential of fintech in supporting their business growth.
Co-Authors Abdul Hamid Abdul Kadir Sabaruddin Afiyanti, Risqia Agus Prasetyo Anang Sugeng Cahyono, Anang Sugeng Andi Wahyudi Andi Wahyudi Dedi Wahyudi Efendi Efendi Hairuddin, Sitti Hartati Hamongpranoto, Sarosa Haruni Ode Judijanto, Loso Kardina, Juliana Ayu Kwuta, Rosdiana Meni Margareta Maskut, Deby Naya Muhamad Muhdar Muhamad Risal Tawil Napu, Fitriah Nizar, Raihan Nur Arifudin Permana, Afrizal Adi Putri, Anastasia Vienessa Repiyanti, Aprilia Rosmini Sigalingging, Rido Doly Cristian Subhan Subhan Sutrisno S Suyanto T, Taryana Widjaja, Warkianto Yahya, Afif Syarifudin Zamzami, Mulyati Zulkifli Z