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All Journal JAE (Jurnal Akuntansi dan Ekonomi) JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi)
Susi Pasaribu
Universitas Negeri Medan
Economics, Econometrics & Finance

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Pengaruh Pemanfaatan Teknologi Digital dan Inovasi terhadap Kesiapan Berwirausaha Mahasiswa Khairunnisa Al Mas; Sabrina Erisa Aulia Sihotang; Rani Rani; Sekina Teodora br Pelawi; Susi Pasaribu
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 12 No. 1 (2026): Februari 2026
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v12i1.5679

Abstract

Students’ entrepreneurial readiness has become an important concern in responding to the limited availability of formal employment opportunities in Indonesia. Digital technology and innovation are considered key factors that may foster the emergence of independent young entrepreneurs. This study aims to analyze the effect of digital technology utilization and innovation on students’ entrepreneurial readiness. A quantitative approach with explanatory research was employed, involving 70 students of the Faculty of Economics, Universitas Negeri Medan. Data were collected through a Likert-scale questionnaire and analyzed using multiple linear regression. The research instrument was proven valid and reliable, and the regression model met all classical assumption tests. The findings reveal that digital technology has a significant positive influence on entrepreneurial readiness, while innovation shows a significant negative effect, indicating challenges in its practical application among students. Simultaneously, both variables significantly affect entrepreneurial readiness, with a contribution of 33.13%. These results highlight the dominant role of digital technology in enhancing entrepreneurial readiness, whereas innovation tends to be perceived as a burden due to the need for greater capital, skills, and risk-taking. In conclusion, higher education institutions should strengthen students’ digital literacy while providing adequate support to ensure innovation can be effectively managed to foster entrepreneurial readiness.
Pengaruh peranan bank melalui kredit usaha dan tabungan masyarakat terhadap pertumbuhan UMKM di Indonesia pada Tahun 2018-2023 Nelin Maria Sianturi; Ade Rahma Sintya Siregar; Rani; SUSI PASARIBU; Twenty Desyen Manurung
JAE (JURNAL AKUNTANSI DAN EKONOMI) Vol 11 No 2 (2026): JAE (Jurnal Akuntansi dan Ekonomi)
Publisher : UNIVERSITAS NUSANTARA PGRI KEDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jae.v11i2.29058

Abstract

This study was conducted to examine the impact of the banking sector’s role—through the provision of business loans and the mobilization of public savings—on the development of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia during the 2018–2023 period. The method used is a quantitative approach utilizing secondary data sourced from the Central Statistics Agency (BPS) and various other supporting sources. Data processing was performed using multiple linear regression analysis with the assistance of SPSS software. The results indicate that business credit has a positive and significant impact on MSME growth, as evidenced by a significance value of 0.013 and a regression coefficient of 1.951. On the other hand, public savings were also found to have a significant effect on SME growth with a significance value of 0.021; however, the direction of the relationship is negative, as reflected by a regression coefficient of -0.838. Together, the variables of business credit and public savings have a significant effect on SME growth, as indicated by an F-test significance value of 0.025. The coefficient of determination (R²) of 0.915 indicates that 91.5% of the variation in SME growth can be explained by these two variables. The results of this study confirm that the banking intermediation function plays a crucial role in driving SME development through the provision of productive, targeted, and sustainable financing.  
Co-Authors Ade Rahma Sintya Siregar Khairunnisa Al Mas Nelin Maria Sianturi Rani Rani Rani Sabrina Erisa Aulia Sihotang Sekina Teodora br Pelawi Twenty Desyen Manurung