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All Journal Translitera : Jurnal Kajian Komunikasi dan Studi Media
Fisabilillah, Fahri
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Social Sciences

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Penggunaan Fintech Bagi Pelaku Usaha Mikro dan Menengah (UMKM) dalam Mengembangkan Usaha di Pesisir Pantai Kota Bengkulu Murwani, Anis Endang Sri; Yanto, Yanto; Fisabilillah, Fahri; Dianthi, Martha Heriniazwi
Translitera : Jurnal Kajian Komunikasi dan Studi Media Vol 14 No 2 (2025): September 2025
Publisher : Universitas Islam Balitar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35457/translitera.v14i2.4460

Abstract

Advances in digital technology in Indonesia have driven significant transformation in the financial sector, one of which is through financial technology (fintech). This study aims to explore the role of fintech in supporting the development of Micro, Small, and Medium Enterprises (MSMEs) in the coastal area of Bengkulu City. The research uses a qualitative approach with observation, interviews, and documentation methods. The theory used is the public relations role theory by Cutlip, Center, and Broom (2006), which includes public opinion evaluation, organizational policy identification, and public relations activity planning. The results of the study indicate that fintech provides various benefits, such as ease of access to financial services, efficiency in financial management, and increased competitiveness of MSMEs. Solutions such as digital wallets, QR code-based payments, and microfinance help business actors overcome limitations in access to conventional banking. However, challenges such as low digital literacy, limited access to technology, high transaction costs, and inadequate internet infrastructure remain major obstacles.
Co-Authors Martha Heriniazwi Dianthi Murwani, Anis Endang Sri YANTO YANTO