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All Journal Jurnal Ekonomika JAKU (Jurnal Akuntansi & Keuangan Unja) (e-journal) AJIE (Asian Journal of Innovation and Entrepreneurship) Jurnal Mirai Management Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) JURNAL EKSBIS Abdimasku : Jurnal Pengabdian Masyarakat Bisnis Net : Jurnal Ekonomi dan Bisnis Berdikari : Jurnal Ekonomi dan Statistik Indonesia JURNAL ILMIAH GLOBAL EDUCATION Bima Journal : Business, Management and Accounting Journal COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat Dinamika Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Innovative: Journal Of Social Science Research Indo-Fintech Intellectuals: Journal of Economics and Business Jurnal Pengabdian Masyarakat dan aplikasi Teknologi Journal of Administration Studies Jurnal Ekonomi dan Bisnis Nak-Kanak: Journal of Child Research International Journal Of Pedagogical Novelty (IJOPNOV)
Safitri, Maria
Unknown Affiliation
Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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Journal : JURNAL ILMIAH GLOBAL EDUCATION

 1 
The Role of Financial Technology (FinTech) in Enhancing MSMEs’ Access to Finance: A Study from the Perspective of Financial Management Safitri, Maria; Muharam, Harjum; Pangestuti, Irene Rini Demi
Jurnal Ilmiah Global Education Vol. 6 No. 3 (2025): JURNAL ILMIAH GLOBAL EDUCATION
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/jige.v6i3.4069

Abstract

The expansion of financial technology (FinTech) has changed the way that MSMEs, and the potential entrepreneurs behind them, can access capital, especially in emerging markets, where traditional financial services availability is constrained. Notwithstanding the growing accessibility of digital financial services, a large number of MSMEs still struggle to engage with these technologies; their barriers including low levels of financial literacy, poor digital preparation, and internal decision-making obstacles. This study tries to explore the effects of FinTech adoption on MSMEs access to finance, with focus on the mediating effect of financial literacy and the moderating role of financial behavior and trust. A quantitative causal-explanatory research design was employed using primary data that were gathered using structured questionnaires from Indonesian MSME owners transacting in FinTech platforms. The relationships between the main constructs were investigated through Structural Equation Modeling (SEM). The findings indicate that financial literacy and internal financial management fully mediate the effect of FinTech on financing outcomes, and digital trust and risk perception moderate the relationship. The results provided are consistent with the utilization of the COR Theory in understanding digital financial behavior among MSMEs reiterating that technology itself is not enough if cognitive and behavioral resources are not enabled. This study provides practical implications for policymakers and FinTech developers who seek to shape inclusive financial systems and also demonstrates the need to incorporate financial education in digital innovations' strategy to build greater economic resiliency of MSMEs
Perceptions of Financial Risk and Investment Preferences among First Time Crypto Investors Safitri, Maria
Jurnal Ilmiah Global Education Vol. 6 No. 4 (2025): JURNAL ILMIAH GLOBAL EDUCATION
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/jige.v6i4.5016

Abstract

The swift integration of cryptocurrencies into mainstream financial systems has attracted a growing number of new investors to conventional markets. This segment entering digital asset environments for the initial time is distinctly exposed to inherent dangers like unpredictable price fluctuations, uncertainty in regulations, security threats and limited protections for members. This investigation aims to study how perceptions of monetary peril influence the investment choices of these fledgling contributors. By utilizing a quantitative, cross-sectional, correlational design, the research gathered primary data from 300 initial cryptocurrency buyers through an online structured questionnaire. The data was analyzed using descriptive statistics, factor analysis, correlation, multiple direct regression and moderation analysis. Key results indicate that heightened perceptions of fiscal risk—particularly regarding capital depletion and unstable markets—are significantly associated with cautious investment behaviors for example preferring long-term possession of assets and avoiding leverage. Additionally, the work found demographic variables such as age and income moderate the strength of these links. Grounded in the Conservation of Resources theory, the analysis offers a psychological explanation for the resource-preserving strategies embraced by new crypto investors. By focusing on an understudied population within the behavioral finance domain, this examination contributes to theoretical understanding of financial decision-making under ambiguity and furnishes practical insights for fintech platforms, investor education programs and regulatory frameworks aimed at enhancing the security and inclusiveness of digital monetary markets.
Co-Authors Adiba, Sarah Adibaturrohmah, Adibaturrohmah Agus Prayitno Agustin, Alief Alesi, Nipinoya Amalia, Rifdah Amron Amron, Amron Ariati Anomsari Ashari, Ayu Cahyani, Novita Chasanah, Amalia Nur Claudia riska, Riska claudia Dahlia Luftiani Damar, Haunan Diana Aqmala Diana Puspitasari Dias Putri Yuniar Eric Suryakencana Wibowo, Mochammad Eugenianda, Alfarizqi Nur Fadhli, Muhammad Ataka Faricha, Dewi Farid, Mohamad Naufal Fatmawati, Elia Resha Gufron, Ahmad Syaiful Gutama, Zulfikar Handhany, Melsanda Farelya Harjum Muharam Hartanti, Anita Herry Subagyo Ida Farida Imam Nuryanto Irene Rini Demi Pangestuti Istiqomah, Luthfiyyah Jaka Prasetya Jatmiko, Andreas Jonathan, Fandy Juli Ratnawati Kamiliya, Chantika Zulfa Karimah, Nabilatul Karis Widyatmoko Kusuma, Pradana Jati Made Gede Wirakusuma Mahmud Mahmud Marsela, Neni Neni Kurniawati Ningrum, Widya Setya Oktavia, Vicky Oktoriza, Linda Ayu Pamungkas, Angling Sadewo Aji Pamungkas, Natalinda Piji Pakarti Pramesti, Tia Prawitasari, Dian Prihandono, Adi Puji Purwatiningsih, Aris puspita, Vinata dyan Putri, Safa’a Amalia Riskiyah, Fadilatur Rizky, Ivan Prabaswara Rudi Kurniawan Samasta, Almira Santi Saputra, Mochamad Adi Setiawan, Aries Setyahuni, Suhita Suharnawi Suharnawi Suhita Whini Setyahuni SURYAWIJAYA, TITO Ulsatunnisa, Ulsatunnisa Usman Usman Wibowo, Mochammad Eric Suryakencana Widodo, Dheevanadea Arnetta Wira Eka SuryaWijaya, Tito yitda, gartika Yovita, Lenni