Mustard Journal De Ecobusin
Vol. 2 No. 1 (2025): Mustard Journal De Ecobusin (MJDE)

The Influence of Digital Payment Adoption on Microenterprise Profitability : JEL Classification: G23, L26, M15, O33, O53

Abdullah Munafri (Faculty of Economics and Business, Universitas Negeri Makassar, Indonesia)
Suciati Suciati (Faculty of Economics and Business, Universitas Negeri Makassar, Indonesia)



Article Info

Publish Date
09 Mar 2025

Abstract

This study examines the influence of digital payment adoption on the profitability of microenterprises in Yogyakarta, Indonesia. A quantitative explanatory research design was employed using data collected from 100 microenterprise owners through structured questionnaires. The data were analyzed using descriptive statistics and multiple linear regression analysis to evaluate the effect of digital payment adoption on business profitability. The findings reveal that digital payment adoption has a positive and statistically significant influence on profitability, indicating that businesses with higher levels of digital payment utilization experience greater sales growth, improved profit margins, enhanced cost efficiency, and increased transaction volume. Digital payment adoption explains 51.1% of the variation in microenterprise profitability, demonstrating its substantial contribution to business performance. These findings extend current knowledge regarding the economic benefits of digital financial technologies among microenterprises and highlight the strategic importance of digital payment systems in supporting business sustainability. The study provides practical implications for policymakers and fintech providers to strengthen digital payment ecosystems and improve digital capability among microenterprises to foster sustainable local economic development.

Copyrights © 2025






Journal Info

Abbrev

mjde

Publisher

Subject

Economics, Econometrics & Finance

Description

Mustard Journal De Ecobusin [e-ISSN 3048-1538] is a peer-reviewed journal published three times a year in the field of Economic and Business. Mustard Journal De Ecobusin is intended to be the journal for publishing articles reporting the results of economic research. Mustard Journal De Ecobusin is ...