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All Journal Innovative: Journal Of Social Science Research International Journal of Management, Economic and Accounting
Ayu Lestari, Dinda
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Humanities Computer Science & IT Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Public Health Other

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Pengaruh Faktor Lingkungan dan Paparan Informasi terhadap Keputusan Penggunaan Pinjaman Online di Kalangan Remaja (Studi Kasus Mahasiswa Aktif STMA Trisakti) Ayu Lestari, Dinda; Indra P, I Made; Fathiyah Addini, Fida
Innovative: Journal Of Social Science Research Vol. 4 No. 1 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

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Abstract

Pada industri keuangan, perkembangan teknologi menimbulkan banyak inovasi baru, salah satunya adalah online peer to peer lending atau pinjaman online. Penelitian ini bertujuan untuk menganalisis faktor lingkungan dan paparan informasi yang mempengaruhi keputusan penggunaan pinjaman online. Penelitian ini menggunakan model analisis regresi dengan sampel 231 responden mahasiswa aktif STMA Trisakti. Variabel bebas yang digunakan adalah faktor lingkungan (X1) dan paparan informasi  (X2), variabel terikat yang digunakan yaitu keputusan penggunaan pinjaman online (Y). Hasil penelitian menunjukan variabel X1 dan X2 memiliki pengaruh terhadap variabel Y, baik secara parsial (sendiri) maupun simultan (bersama-sama). Hasil uji koefisien determinasi adalah sebesar 64,4% yang berarti bahwa variabel faktor lingkungan dan paparan informasi mempunyai pengaruh sebesar 64,4% terhadap keputusan penggunaan pinjaman online.
Digital Finance Strengthening Model to Support Sustainable Supply Chains for MSMEs in Sei Semayang Village Syaula, Maya; Pratama, Siswa; Ayu Lestari, Dinda
International Journal of Management, Economic and Accounting Vol. 3 No. 6 (2025): December 2025
Publisher : Yayasan Multidimensi Kreatif

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This research aims to explore the role of digital finance in supporting sustainable supply chains in Micro, Small, and Medium Enterprises (MSMEs) in Sei Semayang Village. The approach used is descriptive qualitative with data collection through in-depth interviews, field observations, and documentation of MSME transactions. The research informants consist of MSME actors, suppliers, as well as financial and fintech institutions related to MSME operational activities. The results of the study show that digital finance, such as e-wallets, mobile banking, QRIS, and fintech platforms, is able to improve the efficiency of financial management, accelerate cash flow, and smooth the supply chain of MSMEs. The integration of the digital financial system with raw material procurement, production, and distribution allows the flow of capital and goods to run more stable and transparent. However, the adoption of digital finance is still limited due to low digital and financial literacy, limited infrastructure, and dependence on traditional suppliers. This research formulates a model for strengthening digital finance which includes digital literacy training, integration of financial systems with supply chains, collaboration with fintechs and suppliers, monitoring and evaluation of transactions, and support of technological infrastructure. This model is expected to increase the efficiency, transparency, and sustainability of the MSME supply chain in Sei Semayang Village. The research findings provide practical contributions for MSME actors, financial institutions, fintech, and local governments in supporting the development of digital finance-based MSMEs.
Co-Authors Fathiyah Addini, Fida Indra P, I Made Pratama, Siswa Syaula, Maya