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Farhani, Armachika
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Electrical & Electronics Engineering

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Peran Fintech dalam Mendorong Ekonomi Inklusif Pada Usaha Mikro Wonder Craft Pesawaran Fitri, Annisa; Farhani, Armachika; Nurhasanah, Iis Ariska
MDP Student Conference Vol 4 No 2 (2025): The 4th MDP Student Conference 2025
Publisher : Universitas Multi Data Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35957/mdp-sc.v4i1.11215

Abstract

Fintech, or financial technology, has grown rapidly and is now a way to help micro-enterprises gain more access to capital. The purpose of this study is to examine how fintech can help Wonder Craft, a micro-enterprise in Pesawaran specializing in innovative knitting and beading, create an inclusive economy. This study uses a case study methodology combined with qualitative descriptive methods. In-depth interviews, observations, and documentation were used to collect data. The study findings show that fintech benefits micro-enterprises by making funding more accessible, increasing the effectiveness of digital transactions, and improving technology-based marketing. Wonder Craft was able to increase revenue, attract a wider audience, and strengthen local communities by leveraging fintech. This study shows that in the digital era, fintech plays a vital role in building a fair economic ecosystem for MSMEs.
Analisis Penerapan Ekonomi Sirkular dan Inovasi Hijau UMKM: Studi Kasus Kabupaten Pesawaran Farhani, Armachika; Fitri, Annisa; Sormin, Rahma Diani
MDP Student Conference Vol 4 No 2 (2025): The 4th MDP Student Conference 2025
Publisher : Universitas Multi Data Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35957/mdp-sc.v4i2.11219

Abstract

The transition to a sustainable economy requires the integration of green innovation and circular economy principles. This study explores how independent entrepreneurs and micro, small, and medium enterprises (MSMEs) leverage sustainable practices to achieve long-term economic growth. Using a qualitative case study-based approach, this study involved 7 MSMEs in Pesawaran Regency who have implemented circular economy principles through textile waste recycling, eco-friendly accessory production, and innovation using used raw materials. Data were collected through in-depth interviews, participant observation, and document analysis and validated using source and method triangulation. The results showed that the implementation of a circular economy increased cost efficiency by 30% and increased business competitiveness by up to 45% compared to conventional business models. However, the main challenges in the form of minimal recycled raw materials, lack of technology, and the absence of supporting policies are still the main obstacles. Therefore, collaboration between entrepreneurs, the government, and the green business community is needed to accelerate the implementation of a circular economy in Indonesia.
Co-Authors Annisa Fitri, Annisa Nurhasanah, Iis Ariska Sormin, Rahma Diani