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All Journal Journal of Indonesian Scholars for Social Research
Rahim munir
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Humanities Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Fintech and Financial Inclusion: How Digital Payment Systems Empower Small Entrepreneurs Arianto Dangkeng; Rahim munir
Journal of Indonesian Scholars for Social Research Vol. 5 No. 1 (2025): JISSR
Publisher : Cendekiawan Indonesia Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59065/jissr.v5i1.172

Abstract

Financial technology (fintech) has revolutionized the financial sector by enhancing accessibility, efficiency, and convenience in financial transactions. One of its most significant contributions is its role in promoting financial inclusion, particularly for small entrepreneurs and micro-enterprises that traditionally face barriers to accessing formal banking services. Digital payment systems, including mobile wallets, peer-to-peer (P2P) lending, and crowdfunding platforms, have enabled small businesses to expand their customer base, improve cash flow management, and participate more actively in the digital economy. This study explores how fintech-driven digital payment systems empower small entrepreneurs by providing financial tools that facilitate transactions, offer alternative credit solutions, and enhance financial literacy. Employing a qualitative research approach, this study examines case studies of small businesses that have integrated fintech solutions into their operations, analyzing the impact on business performance, market reach, and financial sustainability. The findings reveal that digital payment adoption reduces dependency on cash transactions, increases financial transparency, and improves access to microcredit, enabling small entrepreneurs to scale their businesses. Despite these advantages, challenges remain, including digital literacy gaps, cybersecurity risks, and regulatory constraints that hinder broader adoption among small businesses. The study underscores the importance of government policies, financial literacy programs, and fintech-industry collaborations in ensuring the long-term sustainability of fintech adoption for small entrepreneurs. This research contributes to the ongoing discourse on financial inclusion and digital transformation, offering policy recommendations to enhance accessibility, security, and innovation in fintech-driven financial services.
The Role of Circular Economy in Green Entrepreneurship: Sustainable Business Models Rahim Munir; Rafika Fausiah
Journal of Indonesian Scholars for Social Research Vol. 5 No. 1 (2025): JISSR
Publisher : Cendekiawan Indonesia Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59065/jissr.v5i1.173

Abstract

The circular economy has emerged as a transformative framework for achieving sustainability in entrepreneurship by minimizing waste, optimizing resource use, and promoting regenerative business practices. Unlike the traditional linear economy that follows a "take, make, dispose" model, the circular economy encourages businesses to adopt reduce, reuse, recycle, and regenerate principles. This study explores the role of circular economy practices in green entrepreneurship, focusing on how sustainable business models integrate environmental responsibility with economic viability. Using a qualitative research approach, this study examines case studies of green entrepreneurs who have successfully implemented circular business models across various industries, including renewable energy, eco-friendly manufacturing, waste management, and sustainable agriculture. The findings indicate that businesses adopting circular economy principles experience benefits such as cost savings, enhanced brand reputation, regulatory compliance, and long-term profitability. However, challenges remain, particularly in terms of scalability, consumer awareness, and access to financing. The study underscores the importance of policy support, technological innovation, and industry collaboration in accelerating the transition toward circular entrepreneurship. By integrating circular economy strategies into their business operations, green entrepreneurs can drive sustainable economic growth, reduce environmental impact, and contribute to global climate resilience. The findings provide valuable insights for business leaders, policymakers, and sustainability advocates on fostering a thriving circular economy ecosystem.
Co-Authors Arianto Dangkeng Rafika Fausiah