Article Per Year (5 Year)
p-Index From 2020 - 2025
0.23
P-Index
This Author published in this journals
All Journal Jurnal Manajemen & Keuangan
Zayyani, Erika Zayyani
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Other

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
Effect Of Digital Finance And Digital Payment On Sme Performance Mediated By Risk Perception Zayyani, Erika Zayyani; Suryani, Embun
Jurnal Manajemen dan Keuangan Vol 14 No 1 (2025): JURNAL MANAJEMEN DAN KEUANGAN
Publisher : Program Studi Manajemen Fakultas Ekonomi Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jmk.v14i1.11187

Abstract

This study aims to analyze how SME performance is influenced by digital finance and digital payment, mediated by risk perception. This study employs a quantitative approach using primary data. Data were collected through interviews using a questionnaire as the research instrument. The population of this study includes SMEs in the creative economy sector that have adopted digital finance and digital payment. The research sample was selected based on research needs, with a total of 130 respondents. Data analysis was conducted using SmartPLS. The results indicate that digital finance has a significant positive effect on SME performance, and risk perception is not proven to mediate the relationship between digital finance and SME performance. Meanwhile, digital payment is found to have no effect on SME performance, whereas risk perception is proven to mediate the relationship between digital payment and SME performance. This research is expected to provide insights for SME actors regarding the use of digital finance and digital payment in business methods. For future researchers, it is recommended to expand the geographical scope of the study and explore other variables that influence digital technology adoption, such as government regulations or cultural factors.
Co-Authors Suryani, Embun