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p-Index From 2021 - 2026
0.23
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All Journal West Science Accounting and Finance
Rahman Halik, Bachtiar
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Economics, Econometrics & Finance

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Impact of Fintech Adoption, MSME Digital Readiness, and Regulatory Environment on Financial Performance in Indonesia Antoni, Antoni; Judijanto, Loso; Supriadi, Adih; Rahman Halik, Bachtiar
West Science Accounting and Finance Vol. 2 No. 02 (2024): West Science Accounting and Finance
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsaf.v2i02.1046

Abstract

This study investigates the impact of Fintech Adoption, MSME Digital Readiness, and the Regulatory Environment on Financial Performance in Indonesia's micro, small, and medium enterprises (MSMEs). Using a quantitative analysis with a sample size of 170, data was collected using Likert scales and analyzed through Structural Equation Modeling - Partial Least Squares (SEM-PLS 3). Results indicate that all relationships hypothesized (Fintech Adoption, MSME Digital Readiness, and Regulatory Environment -> Financial Performance) are positively significant. Specifically, Fintech Adoption positively influences Financial Performance, MSME Digital Readiness shows a significant positive impact on Financial Performance, and a supportive Regulatory Environment enhances Financial Performance significantly. These findings underscore the importance of technological integration, digital preparedness, and regulatory support in bolstering financial outcomes for MSMEs in Indonesia.
Co-Authors Antoni Antoni Judijanto, Loso Supriadi, Adih