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All Journal KEUNIS Martabe : Jurnal Pengabdian Kepada Masyarakat Community Development Journal Jurnal Pengabdian Masyarakat: Darma Bakti Teuku Umar Sricommerce: Journal of Sriwijaya Community Services ALMUJTAMAE: Jurnal Pengabdian Masyarakat Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Jurnal Ekonomi Pembangunan Jurnal Ekonomi dan Pembangunan Indonesia Kreativasi: Journal of Community Empowerment
Nida, Rahma
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Economics, Econometrics & Finance Education Social Sciences Other

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The impact of digital transformation on financial inclusion: Evidence from MSMEs in Indonesia Harunurrasyid, Harunurrasyid; Gustriani, Gustriani; Mardalena, Mardalena; Nida, Rahma
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 12 No. 4 (2024): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Publisher : Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/ppd.v12i4.36399

Abstract

The integration of digitalization in micro, small, and medium enterprises (MSMEs) has become a cornerstone in enabling these businesses to thrive within an increasingly competitive and dynamic marketplace. This study, based on data from a survey of 5,553 MSMEs, examines the impact of digitalization on financial inclusion and enterprise productivity. The findings reveal that digitalization reduces MSMEs' dependence on traditional banking systems for credit, facilitating access to alternative financing options through internet-based technologies. Moreover, advancements in technology contribute to increased bank loans and improved MSME productivity by overcoming conventional barriers to financial inclusion and reaching previously underserved segments of the MSME sector. The adoption of formal business status fosters structured and organized operations, thereby enhancing overall performance, while the mere longevity of a business does not guarantee increased productivity. Additionally, improved financial management skills acquired through training are shown to diminish reliance on traditional bank financing. The study also highlights the adverse effects of the COVID-19 pandemic, including lockdown measures, supply chain disruptions, and changes in consumer behavior, which collectively led to a decline in MSME productivity.
THE ROLE OF GREEN FINANCING IN SUPPORTING SUSTAINABLE BUSINESS FOR MSMES IN TUNAS AUR VILLAGE, INDRALAYA DISTRICT, OGAN ILIR REGENCY Hidayat, Ariodillah; Liliana, Liliana; Pertiwi, Rasyida; Yunisvita, Yunisvita; Andaiyani, Sri; Nida, Rahma; Butra Aini, Halia; Nopri Yarsyah, Waldi; Shodrokova, Xenaneira
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 7, No 2 (2024): MARTABE : JURNAL PENGABDIAN KEPADA MASYARAKAT
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v7i2.642-653

Abstract

Micro, Small and Medium Enterprises (MSMEs) play a crucial role in the economy, contributing significantly to economic growth and job creation. However, MSMEs often face challenges, particularly in terms of limited access to financial resources needed for innovation and growth. Meanwhile, sustainability and environmental protection are increasingly becoming a global concern, encouraging the role of green financing as a solution to encourage environmentally friendly businesses. This research focused on Tunas Aur Village, Ogan Ilir Regency, involving 20 MSME participants. Through literacy and training activities, participants are given an in-depth understanding of the importance of green financing, with an approach involving lectures, discussions, and experiential learning using peer to peer lending applications, crowdfunding, and digital wallets. A total of 20 MSME participants in Tunas Aur Village illustrated that green financing literacy and training can create positive understanding and motivation for MSME actors in adopting sustainable business practices. In conclusion, this activity succeeded in increasing the understanding and interest of MSME participants in green financing, opening up potential for similar developments in the future, and providing valuable insights for improving MSME business sustainability through the application of green financing.
Co-Authors Aini, Halia Butra Alghifari Mahdi Igamo Andaiyani, Sri Azwardi Butra Aini, Halia Dwi Darma Puspita Sari Gustriani, Gustriani Hakiki, Arista Hamira Harunurrasyid, Harunurrasyid HASNI YUSRIANTI Hidayat, Ariodillah Imelda Khamisah, Nur Kurnia, Tuti Liliana Liliana Liliana Mardalena Mardalena Mardalena Melliny, Vinny Dwi Nabawi, Denny Nopri Yarsyah, Waldi Pertiwi, Rasyida Sagita, Ayu Selvaratnam, Doris Padmini Shodrokova, Xenaneira Sitepu, Christian Damar Sagara Siti Rohima Subardin, Muhammad Suhel Suhel Suhel Yarsah, Waldi Novi Yunisvita Yunisvita, Yunisvita