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All Journal Journal The Winners International Journal of Artificial Intelligence Research SEIKO : Journal of Management & Business Jurnal Ilmiah Ecosystem Indonesian Journal of Business and Management Seminar Nasional Pengabdian Kepada Masyarakat Bosowa Journal of Education Access: Journal of Accounting, Finance and Sharia Accounting Journal of Economy Business Development Atestasi : Jurnal Ilmiah Akuntansi
Ruslan, Muhlis
Universitas Bosowa
Agriculture, Biological Sciences & Forestry Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Journal : journal the winners

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Gojek Accelerate Economic Recovery through the Digitalization of MSMEs in Makassar Karim, Abdul; Asrianto, Asrianto; Ruslan, Muhlis; Said, Miah
Journal The Winners Vol. 24 No. 1 (2023): Journal The Winners
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/tw.v24i1.9388

Abstract

It was a qualitative descriptive research to determine the role of the digital economy in Makassar City’s economic growth. Data were collected from some websites in Indonesia, and analysed by using NVivo 10 software. The results indicate the acceleration of the digital transformation of MSMEs in Makassar City could not be separated from the support of digital platforms. Before the pandemic, the digital economy, namely Gojek, contributed to economic growth. Makassar City's economy has experienced an increase in MSME turnover registered on social sellers GoFood, GoPay, and GoSend. The digital economy plays a vital role in driving the wheels of the Makassar City economy. In 2021, Gojek and GoTo Financial were estimated to contribute around IDR 4,6 trillion, or 3% of Makassar City's Gross Regional Domestic Product (GRDP). Since data reveals that Gojek Food is encouraging, Gojek is also accelerating digitization and financial inclusion for MSMEs. MSMEs are going digital for the first time (87%) and are using non-cash payments (51%). 37% of GoRide partners and 22% of GoCar partners have saved regularly since joining Gojek. According to estimates, the Gojek ecosystem contributes IDR 249 trillion, or 1,6% of Indonesia’s GDP—resilience and recovery speed through increased revenue, mainly for MSMEs in the Gojek ecosystem. During the pandemic, consumer loyalty aided economic recovery at the national and regional levels.
Fintech P2P Lending in Increasing People's Purchasing Power in South Sulawesi Province Karim, Abdul; Ruslan, Muhlis; Chahyono, Chahyono; Yunus, Muh. Kafrawi; Ahmad, Amrullah
Journal The Winners Vol. 25 No. 2 (2024): Journal The Winners
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/tw.v25i2.12059

Abstract

The research aimed to assess the extent to which fintech P2P lending contributes to the generation of purchasing power in South Sulawesi Province. Data were collected from websites associated with fintech P2P lending and analyzed using software designed for indexing, searching, and handling non-numerical and unstructured data. The findings indicate that the availability of online loans positively impacts economic growth in South Sulawesi. During the final seven months of 2023, the average monthly distribution of peer-to-peer (P2P) lending funds reached IDR 19.04 trillion. The total distribution within the industry amounted to IDR 20.38 trillion, with IDR 7.26 trillion (35.65 percent) allocated to the productive sector, including micro, small, and medium-sized enterprises (MSMEs). This research contributes to the field by observing a 30.17 percent increase in credit in South Sulawesi Province. In February 2024, individual credit distribution in South Sulawesi reached IDR 1.29 trillion, based on 355,948 credit transactions. Fintech P2P lending helps improve financial literacy and inclusion in the South Sulawesi region by providing an easy-to-use digital platform to reach people in remote areas and support more equitable economic development. The contribution of fintech P2P lending plays an important role in increasing people's purchasing power while strengthening the foundation of the local economy in South Sulawesi.
Co-Authors Abd. Haris Abduh, Thamrin Abdul Karim Abubakar, Herminawaty Adelia, Syarah Difa Ahmad, Amrullah Alfreth, Jerry F. Andriawan, Ahmad Rafli Anwar Sada Ardiansyah Amin Arfiani, Arfiani Asfiah Asfiah Asfiah, Fifi Asmal, Arwinda Andiani Asrianto, Asrianto Baharuddin Baharuddin Banneringgi, Darman Burhanuddin, Andi Cahyono Cahyono Chahyono, Chahyono Damayanty, Devy Firman Manne Firman Menne Fitri, Sunarya Hadi, Puguh Asmoro Haeruddin Haeruddin Haeruddin Hasanuddin Remmang, Hasanuddin Hasanuddin, Arnas Hasnawati Hasnawati Hema Herman Herminawati Abubakar, Herminawati Herminawati, Herminawati Himawan, Fabian Shafiq Hutubessy, Pretty Brenda I Made Bayu Dirgantara Ihsan, M. Ihsan FM Indrayani Nur Jaspin, Sri Wahyuni Jaya, Fahril Jumardin, Ahmad Jumarding, Ahmad Kafrawi Yunus Laming, Ripa Fajarina Lewangka, Usman Mane, Arifuddin Mane, Arifudin Manne, Firman Mariana, Putri Miah Said Miah Said Muflih Mubarak Musfirah, A. Nensi, Nensi Nur Fadhila Amri Nurfadilah Nurfadilah Nurfadli Nurfadli Nurhidayanti S. Palipada Palisuri, Palipada Patmawati Baso Patonangi, Arnas A.M Paulus Lebang Pauranan, Ennike Verawati Pitti, Serliana Prabowo, Guritno Adhi Pradana, Muhammad Rafly Adryan Putri, Aprila Saptaningrum Nurita Putri, Rezky Amalia Rafiuddin, Rafiuddin Ramli Ramli Ramli, Nurhikma Amalia Randa, Esra Rediwiska, Putu Reski, Sri Rusman, Nurwahyudi Pratama Safnah, Siti Said, Miah Saleh, Muh. Yusuf Sapiri, Muchtar Sapiri, Muhtar Saputra, Resya Setiawan, Alfian Setiawan, Lukman Sobirin Sobirin Sri Mulyani Sukmawati Mardjuni Suriani, Seri Syamsuddin, Indah Tahir, Tahir Taibe, Patmawaty Thamrin Abduh Thanwain, Thanwain Uchi, Handayani Ulang, Tenri Wahyudi, Kemal Wally, Afyar Ady Wulandari Wulandari Yacob, Maya Indriani Yogi, Nurul Azizah A Yunus, Muh. Kafrawi Yustika, Ade Ira Yusuf, Muhammad Azhar Zulfahmi Zulfahmi Zulkifli Makkawaru