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All Journal JAZ: Jurnal Akuntansi Unihaz International Journal of Management and Business
Adrian Junaidar Handayanto
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences

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FINANCIAL TECHNOLOGY, KEMAMPUAN MANAJERIAL DAN PENERAPAN SISTEM INFORMASI AKUNTANSI TERHADAP KINERJA KEUANGAN Wibisono, Sukarno Himawan; Adrian Junaidar Handayanto; Fendiyatmi Kusufa; Oktavianus Wolo Wali
Jurnal Ilmu Akuntansi Vol 8 No 1 (2025): JAZ:JURNAL AKUNTANSI UNIHAZ
Publisher : Universitas Prof.Hazairin,SH Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32663/tvvb6x42

Abstract

This study aims to analyze the influence of financial technology (fintech), managerial capabilities, and the application of management accounting information systems on the financial performance of Small and Medium Enterprises (SMEs). SMEs have an important role in national economic growth, but often face obstacles in financial management. Fintech is present as an innovative solution in supporting financial activities, while managerial capabilities and management accounting information systems are internal factors that affect the effectiveness of financial decision-making and control. The research method used was quantitative with a survey approach through the distribution of questionnaires to 40 SMEs. Data analysis was carried out using multiple linear regression. The results of the study show that fintech, managerial skills, and management accounting information systems simultaneously have a significant effect on the financial performance of SMEs. Partially, each variable also showed a significant positive influence. These findings imply the importance of the adoption of financial technology and the improvement of managerial competence and the implementation of the right information system in supporting the financial sustainability of SMEs.
The Influence of Financial and Non-Financial Factors on Credit Decisions in The Digital Era For Micro, Small, and Medium Enterprises (MSMEs) in Malang City Magdalena Opi; Ahmad Mukoffi; Moh. Askiyanto; Adrian Junaidar Handayanto
International Journal of Management and Business Vol. 3 No. 1 (2026): January
Publisher : International Research & Development for Human Beings (IRDH)

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Abstract

Finding out how financial and non-financial elements affect lending choices in the digital age for MSMEs in Malang City partly and concurrently was the aim of this research. The study that was carried out used quantitative research methodologies. The study sample consisted of 98 respondents, selected through the simple random sampling technique. The researcher used a questionnaire as the method of data collecting. Using the SPSS version 26 software, multiple linear regression was the data analysis technique used. With a t-value of 6.070, the study's findings demonstrated that partly financial elements significantly influenced credit choices, while non-financial factors significantly influenced credit decisions with a t-value of 5.909. The findings also show that, with an F-value of 61.009, or an impact of 56.2%, both financial and non-financial variables significantly influenced lending choices for MSMEs in Malang City in the digital age. The findings of this research make it clear that both financial and non-financial elements are present and contribute significantly to the use of credit.
Co-Authors Ahmad Mukoffi Fendiyatmi Kusufa Magdalena Opi Moh. Askiyanto Oktavianus Wolo Wali Wibisono, Sukarno Himawan