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All Journal Jurnal Ilmiah Manajemen Kesatuan Jurnal Pengabdian Masyarakat Bestari (JPMB) Formosa Journal of Sustainable Research (FJSR) Innovative: Journal Of Social Science Research Basic and Applied Accounting Research Journal Jurnal Ilmiah Accusi
Tri Dharma Sipayung, Tri Dharma
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Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Journal : Jurnal Ilmiah Manajemen Kesatuan

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The Impact of Financing Digitalization on MSME Operational Effectiveness: The Mediating Role of Innovation, Digital Infrastructure, and Fintech Sipayung, Tri Dharma
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 3 (2025): JIMKES Edisi Mei 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i3.3258

Abstract

This study aims to examine the influence of financing digitalization on the operational effectiveness of Micro, Small, and Medium Enterprises (MSMEs), mediated by product innovation, digital infrastructure, and financial technology in Medan City. Utilizing a quantitative descriptive approach, the research employed Structural Equation Modeling (SEM) with SMART PLS 3.0 to analyze data from 100 MSMEs selected through simple random sampling from a population of 38.343 units in Medan City in 2023. Data were gathered through questionnaires, observations, and secondary sources, ensuring strong validity and reliability. The findings reveal that financing digitalization significantly improves MSME operational effectiveness both directly (T=6.233, p<0.001) and indirectly through product innovation (T=4.112, p=0.003), digital infrastructure (T=3.347, p=0.001), and financial technology (T=5.534, p=0.002). These mediating variables contribute to enhanced efficiency by simplifying transaction processes, strengthening infrastructure reliability, and automating financing operations. The study highlights the critical importance of adopting digital financing solutions within MSMEs to remain competitive. It also emphasizes the role of policymakers in facilitating this transformation by investing in digital infrastructure and implementing comprehensive digital literacy programs to foster a sustainable and inclusive digital economy.
Co-Authors Arthur Simanjuntak Duma Rahel Situmorang, Duma Rahel Goh, Thomas Sumarsan Hutabarat, Eloy Charolina Iskandar Muda Ivo Maelina Silitonga Lase, Arthika Iradat R Mesakh, Januardi Munthe, Pupu Sulayas Br Nadapdap, Kristanty M N Nainggolan, Rahel Junita Panjaitan, Rike Yolanda Purba, Dimita H.P Sagala, Lamria Saur Melianna Sibarani, Apriani M Silalahi, Amlys Syahputra Simanjuntak, Grace Y Simanjuntak, Gracesiela Y Sitohang, Rommel Tiur Rajagukguk, Tiur WINARTO