Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Mustard Journal De Ecobusin
Munafri, Abdullah
Unknown Affiliation
Economics, Econometrics & Finance

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
The Influence of Digital Payment Adoption on Microenterprise Profitability in Yogyakarta Munafri, Abdullah
Mustard Journal De Ecobusin Vol. 2 No. 1 (2025): Mustard Journal De Ecobusin
Publisher : Generasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/mjde.v2i1.239

Abstract

This study analyzes the effect of digital payment adoption on the profitability of microenterprises in Yogyakarta. Microenterprises are vital to the local economy yet often encounter financial constraints that limit growth. The rise of digital payment platforms such as QRIS, GoPay, OVO, and Dana presents opportunities to enhance operational efficiency and market competitiveness. Using a quantitative explanatory research design, data were collected from 100 microenterprise owners selected through purposive sampling. Structured questionnaires and interviews were employed to obtain relevant information. Data were analyzed using descriptive statistics, validity and reliability testing, and multiple linear regression to examine the research hypothesis. Digital payment adoption was evaluated based on frequency, ease, security, and convenience, while profitability was measured through sales growth, profit margin, cost efficiency, and transaction volume. The results reveal that digital payment adoption significantly improves profitability, explaining 51.1% of its variance. The remaining 48.9% may be influenced by other unexamined factors. These findings highlight that digital payment systems play a crucial role in enhancing financial performance. Strengthening digital literacy and payment infrastructure is recommended to optimize financial technology adoption among microenterprises in Yogyakarta.
Co-Authors