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All Journal Journal of Artificial Intelligence and Engineering Applications (JAIEA) Jurnal Mahkota Bisnis (Makbis)
Sinuhaji, Frans Gidion
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Automotive Engineering Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Library & Information Science

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MSMEs and the Role of Technology in Achieving Business Sustainability Sinuhaji, Frans Gidion; Sibarani, Hendra Jonathan; Pakpahan, Victor Maruli
Journal of Artificial Intelligence and Engineering Applications (JAIEA) Vol. 4 No. 1 (2024): October 2024
Publisher : Yayasan Kita Menulis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59934/jaiea.v4i1.724

Abstract

This study investigates the impact of Artificial Intelligence (AI) and Financial Technology (FinTech) on business sustainability among Micro, Small, and Medium Enterprises (MSMEs) in Medan City. Employing an associative research approach, the study utilizes quantitative data derived from both primary and secondary sources. The analysis methods include descriptive statistical analysis and Structural Equation Modeling (SEM). The study's population consists of 100 MSMEs in Medan City, selected through accidental sampling. The findings demonstrate that the adoption of AI and FinTech positively and significantly influences business sustainability. The integration of these technologies enhances operational efficiency, supports faster growth, and ultimately strengthens the sustainability of MSMEs. This research highlights the critical role of digital innovation in driving the development and resilience of small businesses, emphasizing the need for broader adoption of AI and FinTech solutions in the MSME sector to foster long-term growth and competitiveness.
THE INFLUENCE OF SELF-EFFICACY, FINANCIAL MANAGEMENT, AND INVESTMENT KNOWLEDGE ON INVESTMENT INTEREST AMONG GENERATION Z STUDENTS AT UNIVERSITAS MAHKOTA TRICOM UNGGUL Sinuhaji, Frans Gidion
Jurnal Mahkota Bisnis (Makbis) Vol 4 No 2 (2025): Jurnal Mahkota Bisnis (Makbis)
Publisher : MTU PRESS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59929/mm.v4i2.123

Abstract

This study examines the influence of self-efficacy, financial (money) management, and investment knowledge on investment interest among Generation Z students at Universitas Mahkota Tricom Unggul. The research employs a quantitative approach using multiple linear regression analysis. The results of the F-test indicate that self-efficacy, money management, and investment knowledge simultaneously have a significant effect on students’ interest in investing (F = 15.520; Sig. = 0.000), confirming that the regression model is statistically fit. The coefficient of determination (R² = 0.445) shows that 44.5% of the variation in investment interest can be explained by the independent variables, while the remaining 55.5% is influenced by other factors outside the model. The Adjusted R Square value of 0.417 suggests good explanatory power. The Durbin–Watson value of 0.720 indicates no serious autocorrelation in the residuals. Overall, the findings highlight the importance of enhancing investment knowledge, financial management skills, and self-efficacy to increase investment interest among Generation Z students. These results provide practical implications for universities and policymakers in designing financial education and investment literacy programs.
Co-Authors Pakpahan, Victor Maruli Sibarani, Hendra Jonathan