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All Journal Journal of Business Studies and Management Review Jurnal Manajemen Keuangan Syariah
Permana, Kurnia
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Pengaruh Financial Technology terhadap Akses Pembiayaan UMKM dengan Literasi Keuangan sebagai Variabel Moderasi di Kota Jambi Haris Saputra, Muhammad; Permana, Kurnia
Manajemen Keuangan Syariah Vol 6 No 1 (2026): Journal of Islamic Financial Management
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/makesya.v6i1.5907

Abstract

The current study explores how fintech influences financing access for MSMEs and considers financial literacy as a moderating variable. The problem statement in the current research includes the limited financing access that represents a significant challenge for MSMEs and is especially common in regional settings. The methodology applied in this study is quantitative, with an explanatory research design adopted. The primary data collection technique used was the questionnaire distributed among 120 respondents who represented MSMEs located in Jambi City. To measure the constructs, a Likert scale was employed, while PLS-SEM analysis was conducted. The results showed that fintech significantly and positively impacts MSME financing access. In addition, financial literacy is proved to be significantly and positively associated with financing access. Additionally, financial literacy is established as a moderator that amplifies the effect of fintech on financing access. The coefficient of determination shows that the proposed model explains a considerable amount of the explained variance in financing access. Hence, it can be concluded that successful MSME financing access depends on both the use of fintech and the financial literacy of entrepreneurs. From the standpoint of policy implications, promoting financial literacy programs and developing a fintech ecosystem would contribute to the development of MSMEs.
DIGITAL TRANSFORMATION IN THE IMPLEMENTATION OF VILLAGE INFORMATION SYSTEMS IN MEKAR SARI VILLAGE Try Syeftiani; Yudi; Saadah, Mar Atun; Haris Saputra, Muhammad; Permana, Kurnia
Journal of Business Studies and Management Review Vol. 9 No. 2 (2026): JBSMR, Vol 9 No.2 June 2026
Publisher : Management Department, Faculty of Economics and Business, Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jbsmr.v9i2.59020

Abstract

The provision of services to rural communities is currently driven by developments in information technology, which require village governments to undertake digital transformation in the implementation of governance and public services. The Village Information System (SSI) is one manifestation of this digital transformation in village government, utilizing technology to support administrative services, data management, and budget transparency. Many previous studies have focused on digital transformation at the central or regional level, but there is limited research that highlights how this process occurs at the village government level as the leading service provider. This study aims to examine the extent to which digital transformation has been implemented in the implementation of the Village Information System (OpenSID) in Mekar Sari Village, Muaro Jambi Regency, and to identify factors that support and hinder this process. The approach used is a qualitative case study method, utilizing data collection techniques such as interviews and document reviews. The findings indicate that the use of OpenSID in Mekar Sari Village has expanded to various service functions, ranging from population data, correspondence, development, assets, to budget transparency. However, technical maintenance of the system remains concentrated in one or two key personnel. This study also reveals that the success of digital transformation in villages is determined by several factors including economic, technical, social, organizational and institutional aspects, as well as legal and regulatory systems. The contribution of this research shows that the success of digital transformation in villages depends not only on the availability of technology, but also on the distribution of operational usage capabilities and the sustainability of institutionalized technical management.
Co-Authors Mar Atun Saadah Muhammad Haris Saputra Yudi