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All Journal Jurnal Ilmiah Manajemen Kesatuan Jurnal Ilmiah Akuntansi Kesatuan
Retnosari
Universitas Tidar, Indonesia
Economics, Econometrics & Finance Social Sciences

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Empirical Analysis of Fintech and Marketing Strategy Impact on MSME Development in Magelang Erni Puji Astutik; Retnosari
Jurnal Ilmiah Akuntansi Kesatuan Vol. 13 No. 5 (2025): JIAKES Edisi Oktober 2025
Publisher : Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jiakes.v13i5.4204

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a crucial role in regional economic growth, yet their development is often constrained by limited access to financial services and ineffective marketing strategies. This study aims to examine the influence of financial technology and marketing strategies on MSME development in Magelang Regency. A quantitative approach was employed using primary data collected through questionnaires distributed to MSME actors who utilize fintech services. The data were analyzed using multiple linear regression to test the effect of independent variables on MSME development. The results indicate that financial technology has a significant positive effect on MSME growth, particularly through improved transaction efficiency, payment security, and access to financial services. In contrast, marketing strategy does not show a statistically significant impact, suggesting that current practices remain relatively simple and limited in scope. However, the interaction between fintech and marketing holds potential to enhance brand awareness and consumer trust, particularly through digital payments and online marketplaces. The study concludes that fintech adoption is a key driver of MSME development, while marketing strategies require further strengthening. Policymakers and business stakeholders are encouraged to promote fintech literacy and digital marketing training to support sustainable MSME growth.
The Effect of CSR, Company Size, and Sales Growth on Profitability of Financial Sector Companies in Indonesia Lucia Rita Indrawati; Retnosari; Adella Vania Frimasika
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 6 (2025): JIMKES Edisi November 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i6.4206

Abstract

The financial sector in Indonesia faces challenges in maintaining profitability while fulfilling social responsibilities. This study investigates the impact of corporate social responsibility, company size, and sales growth on the profitability of financial companies listed on the Indonesia Stock Exchange. The research aims to analyze how these factors influence profitability, measured by return on assets, using data from 110 financial companies over the period 2021 to 2024. A quantitative approach with multiple linear regression was employed to analyze secondary data from financial and sustainability reports. The findings reveal that company size and sales growth have a significant positive effect on profitability, while corporate social responsibility shows no significant impact. Larger companies benefit from cost efficiencies, and higher sales growth reflects successful market expansion. These results suggest that financial institutions should prioritize operational scale and innovative products to enhance profitability, while strategically integrating social initiatives to maximize their impact. This study provides insights for stakeholders to develop strategies that balance profitability and social responsibility in Indonesia’s competitive financial landscape.
Co-Authors Adella Vania Frimasika Erni Puji Astutik Lucia Rita Indrawati