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All Journal Arthatama: Journal of Business Management and Accounting
Edi Nur Prasetyo
Universitas Islam Balitar, Indonesia
Economics, Econometrics & Finance

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The Role of Fintech Lending in Increasing Access to MSME Financing and Systemic Risk Edi Nur Prasetyo
Arthatama: Journal of Business Management and Accounting Vol. 9 No. 2 (2025)
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/art.9.2.2025.995

Abstract

The development of financial technology, or fintech lending, has brought about significant transformations in the financing ecosystem for MSMEs in Indonesia. This study examines the role of fintech lending in increasing access to financing for MSMEs and analyzes the potential systemic risks it poses. Using a literature review approach and secondary data analysis from various sources, this study found that fintech lending can address the MSME financing gap through faster processes, lower costs, and broader reach compared to conventional financial institutions. However, the rapid growth of this industry also poses systemic risks in the form of credit risk, liquidity risk, operational risk, and regulatory compliance risk. The results indicate that fintech lending significantly enhances MSMEs’ access to financing through digitalization, alternative credit scoring, broad geographic reach, and diversified, flexible financing products, thereby contributing to financial inclusion and regional economic development. However, the findings also reveal substantial systemic risks that stem from alternative data-based scoring, technological dependence, and the pass-through risk model. These results imply that while fintech lending plays a critical role in addressing financing gaps for underserved MSMEs, its sustainability depends on robust risk management, transparency of algorithms, and strong cybersecurity practices.
Economic Empowerment Strategy for Students and Alumni of Islamic Boarding School through the Community-Based Work Training Center Edi Nur Prasetyo; Annisa Fitria Dian Soleha
Arthatama: Journal of Business Management and Accounting Vol. 10 No. 1 (2026)
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/art.10.1.2026.1133

Abstract

This study is grounded in the large number of Islamic boarding schools in Indonesia, which have not been fully matched by the economic readiness of their graduates to compete in the modern labor market. The community training center program emerges as a policy innovation that integrates vocational education with Islamic boarding school values. This study aims to analyze the strategies of economic empowerment of Islamic boarding schools graduates through the implementation of the Community Training Center Program and to examine its implications for their socio-economic welfare. A qualitative approach with a multi-site case study design was employed in two Islamic boarding schools in Blitar City. Data were collected through in-depth interviews, participant observation, and documentation. The findings reveal that both BLKKs implement asset-based planning, instructor capacity strengthening, sustainable facility management, learning-by-doing training methods, post-training mentoring, multi-stakeholder partnerships, and learning-oriented monitoring and evaluation. The program significantly improves alumni technical and non-technical skills, expands employment and entrepreneurship opportunities, and enhances income as well as multidimensional welfare. These findings imply that strengthening community-based vocational training in Islamic boarding schools can serve as an effective strategy for promoting sustainable economic empowerment and inclusive local development.
Exploring Competency Confusion among Islamic Banking Students in Relation to the Alignment of Course Materials with Workplace Requirements Edi Nur Prasetyo; Millatul Fadhilah
Arthatama: Journal of Business Management and Accounting Vol. 10 No. 1 (2026)
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/art.10.1.2026.1388

Abstract

 A mismatch between Islamic Banking education and workplace requirements may contribute to competency confusion among students. This study aims to explore students’ perceptions of the alignment between course materials and workplace requirements and their relationship with competency confusion among Islamic Banking students. Using a qualitative approach, data were collected through in-depth interviews and analyzed thematically to identify students’ perceptions of the relevance of course content to workplace expectations. The findings reveal that most respondents experienced competency confusion due to a perceived mismatch between course materials and the realities of the Islamic banking industry. In contrast, some students viewed the curriculum as relatively aligned with workplace demands and demonstrated clearer career orientations. A smaller group expressed uncertainty, largely influenced by low motivation and unclear career goals. The results indicate that the misalignment between academic learning and workplace realities contributes to competency confusion among Islamic Banking students, highlighting the need for a more practice-oriented curriculum. This study contributes to the development of Islamic Banking education by providing insights for curriculum improvement to better align graduate competencies with industry needs.
Co-Authors Annisa Fitria Dian Soleha Millatul Fadhilah