Article Per Year (5 Year)
p-Index From 2020 - 2025
11.305
P-Index
This Author published in this journals
All Journal JURNAL ECONOMIA Jurnal Manajemen Bisnis Jurnal Wira Ekonomi Mikroskil JURNAL ILMIAH MANAJEMEN & BISNIS Journal of Educational Science and Technology AL ISHLAH Jurnal Pendidikan International Journal of Artificial Intelligence Research Jurnal Manajemen & Keuangan Jurnal Mantik Penusa Jurnal Ilmiah Professional Indonesia Primanomics : Jurnal Ekonomi & Bisnis Jurnal Abdi Ilmu Jurnal Mantik JOURNAL OF BUSINESS STUDIES EKONOMI BISNIS Jurnal Ekuivalensi International Journal of Economics Development Research (IJEDR) Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Ilmiah Manajemen Kesatuan International Journal of Business Economics (IJBE) Enrichment : Journal of Management Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Ekonomi Bisnis Manajemen Prima Janaka : Jurnal Pengabdian Masyarakat GANDRUNG: Jurnal Pengabdian Kepada Masyarakat Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Journal of Management and Bussines (JOMB) International Journal Of Science, Technology & Management (IJSTM) International Journal on Social Science, Economics and Art Jurnal Manajemen Retail Indonesia (JMARI) Jurnal Ekonomi Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) Manajemen dan Bisnis JEKKP (JURNAL EKONOMI, KEUANGAN DAN KEBIJAKAN PUBLIK) International Journal of Applied Finance and Business Studies Jurnal Bina Bangsa Ekonomika Arus Jurnal Sosial dan Humaniora ProBisnis : Jurnal Manajemen Jurnal Minfo Polgan (JMP) Indonesian Journal of Social and Educational Studies Journal of Applied Sciences in Travel and Hospitality CEMERLANG :Jurnal Manajemen dan Ekonomi Bisnis Startupreneur Business Digital (SABDA Journal) Proceeding of The International Conference on Economics and Business The International Conference on Education, Social Sciences and Technology (ICESST) International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC) JAMPARING: Jurnal Akuntansi Manajemen Pariwisata dan Pembelajaran Konseling Jurnal Penelitian Pendidikan Indonesia International Journal of Economics, Business and Innovation Research Society Journal of Business Integration Competitive Jurnal Mahkota Bisnis International Journal of Economics and Management Research
Nasib
Institut Bisnis Informasi Teknologi Dan Bisnis
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Mechanical Engineering Physics Public Health Social Sciences Transportation Other

Published : 92 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search
Journal : International Journal of Economics and Management Research

 1 
Exploring the Mediating Role of Fintech Adoption in Reducing Perceived Risks and Promoting SME Sustainability Adi Harianto; Devia Febrina; nasib, nasib; Ratih Amelia; Muhammad Fathoni
International Journal of Economics and Management Research Vol. 4 No. 3 (2025): December : International Journal of Economics and Management Research
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v4i3.541

Abstract

This study examines the role of fintech adoption in mediating the relationship between perceived risk and business sustainability in Small and Medium Enterprises (SMEs) in Samosir Regency. Using a quantitative approach with data analyzed through Structural Equation Modeling (SEM), the study finds that fintech adoption significantly reduces the perceived risks faced by SME owners, which in turn contributes to long-term business sustainability. Digital technologies such as electronic payment systems, peer-to-peer lending platforms, crowdfunding, and mobile banking have proven to enhance operational efficiency, expand market reach, and improve financial transparency and control. These benefits help SMEs build resilience and competitiveness, especially in rural areas like Samosir where access to conventional financial services is limited. Despite the potential benefits, challenges such as limited technological knowledge, digital infrastructure gaps, regulatory uncertainty, and the lack of skilled human resources remain major barriers to effective fintech implementation. The study highlights that the role of government and stakeholders is vital in creating an enabling environment for fintech adoption. This includes policies that encourage innovation, facilitate access to digital infrastructure, provide education and training to increase digital literacy, and foster partnerships between SMEs and fintech service providers. Additionally, support from local communities and continuous awareness campaigns can further reduce resistance to change and increase trust in digital financial solutions. Overall, this research emphasizes that fintech adoption plays a crucial role in not only mitigating business risks but also supporting the long-term sustainability and growth of SMEs in the digital era.
Co-Authors , Elfitra Desy Surya Abdiyanto Abdiyanto Ade Novalina Adi Harianto Agus Nuryatin Agus Susanto Ahmad Fadli Ahmad Fadli Ahmad Fadli Ahmad Rivai Albert Albert Ali Syah Putra Alimin, Erina Amanda, Sharina Amin Hou Ananda, Fajar Rezeki Andrian Andrian Angeline Angeline Anggun R Sulistia Anisah Siregar Anita Anita Ayu Wirda Ningsih azzahra, an suci Bagus Hendra Wijaya Bangun, Jessica Bashira Bashira Beatrix Patricia Lee Beby Nofriza Bhaktiar Efendi Bhastary, Manda Dwipayahi Bunga Aditi Chandraj Chaniago, Sabaruddin Chorin Tandean Clarisse Dadang Munandar Darwan Tanady Debora Tambunan Deby Siska Oktavia Pasaribu Devia Febrina Dewi Mahrani Rangkuty Dewi Rafiah Pakpahan Dian Nuzulia Armariena, Dian Nuzulia Dilla Fadila Rusmawadi Djakasaputra, Arifin Djohan, Deva Durahman Marpaung Dwi Septi Haryani Effendi, Ihsan Enda Astika Enjel Ester Hervina Sihombing Ester Hervina Sihombing ESTER HERVINA SIHOMBING, ESTER HERVINA Eugenio Eugenio FADILA, ZAKIA Fakhrul Hirzi, M. Farah Jihan Nabila Fauzia Mei Salsabillah Fiqrida Amalia Ginting, Rika Adelina Br. Goh, Thomas Sumarsan Hamjah Arahman Hazmanan Kahir Helena Louise Panggabean Hendy Hendy Herlin Munthe Hernosa, Siswa Panjang Herti Kristiyani Silalahi Hervina Sihombing, Ester Hery Syahrial Husni, Calysta Thedrica Hutagaol, Arnold Ida Ayu Putu Sri Widnyani IKA PUSPA SATRIANNY Indah Sari Indra Budiman Jamaluddin Jamaluddin Jansen Layoji Jasruddin Daud Malago Juliansyah, Roni Junaidi Junaidi Junaidi Junaidi Khairani, Rafida Kuandi Chandra Lia Nazliana Nasution Limbong, Ryandi Lubis , Adelina Lubis, Adelina LUBIS, ADELINA Lubis, Fajar Rezeki Ananda Mahyudin Manda Dwipayahi Bhastary Manda Dwipayani Bhastary Marshella, Marshella Martin Martin Martin Martin Martin Mega Sanjaya Mexenro Gerael Hutagaol Mhd Ismail Magfur Mhd Restu Razaq Razaq Muhammad Arsyad Muhammad Fathoni Muhammad Fathoni Muhammad Fathoni, Muhammad Muhammad Fauzan Azhmy Muhammad Salim Muda Simanjuntak Nainggolan, Susan G.V. Nas Haryati Setyaningsih Naufal, M Dzaky Rafi Nidya Banuari Nikous Soter Sihombing Nirmalasari Nirmalasari Novirsari, Emma Nur Ikhsan Umam nur subiantoro Panjaitan, Torang Daud Prianda Pebri Ratih Amelia Ratih Amelia, Ratih Ray Muza Adam Knelissen Restu Razaq, Mhd. Rezeki, Indra Rifda Daulay, Zulia Rivai, Ahmad Rivai, Ahmad Rivandy Anggesti Robin Roni Juliansyah Rulliyani Rulliyani Ruth Meivera Siburian Sai Vinodhini SALMAN FARIS Salman Faris Salman Faris Salqaura, Siti Alhamra Saputra, Jumadil Sari, Devi Purnama Satria Tirtayasa Septa Diana Nabella Sharina Osman Simbolon, Angelina Sitepu, Heber Arihta Srie Hartati Steven Gea Surya Surya Syaifuddin Syaifuddin Syaifuddin Syaifuddin Syaifullah Syaifullah Teguh Supriyanto Teja Rinanda Thamrin Thamrin Thamrin Tiffany Tanady Tony Honkley Tony Honkley Tyus Windi Ayuni Valerie, Valerie Vina Winda Sari Wan Suryani Widy Hastuty HS Wijaya, Elyzabeth Wily Julitawaty, Wily Winda Sari, Vina Yusniar Lubis Zahra, Aminatu Zi Xuan, Alvin Teo Zulia Rifda Daulay Zulia Rifda Daulay Zulia Rifda Daulay Zulkarnain Lubis