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Muhammad Shaleh
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Jl. Prof. Dr. Baharuddin Lopa, S.H., Talumung, Majene, West Sulawesi
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INDONESIA
MANDAR: Management Development and Applied Research Journal
Published by Universitas Sulawesi Barat
ISSN : 27211436     EISSN : 26544504     DOI : -
Core Subject : Economy, Science, Social,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences
E-Jurnal Mandar (Online ISSN: 2654-4504) dan (Print ISSN: 2721-1436) adalah jurnal ilmiah elektronik yang diterbitkan online dua kali dalam setahun (setiap 6 Bulan). E-Jurnal Mandar bertujuan untuk meningkatkan kualitas ilmu pengetahuan dan menyalurkan minat berbagi dan penyebaran pengetahuan bagi para sarjana, mahasiswa, praktisi, dan pengamat sains dalam Ekonomi Manajemen. E-Jurnal Mandar menerima hasil studi dan artikel penelitian yang belum dipublikasikan di media lain. E-Jurnal Mandar (Management Development and Applied Research Journal) dikelola oleh Program Studi Manajemen Fakultas Ekonomi Universitas Sulawesi Barat dan diterbitkan oleh Universitas Sulawesi Barat.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 132 Documents
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The Impact of Financial Technology Development on Micro, Small, and Medium Enterprises in Ternate City Agatha Christy Situru; Zandy Zain; Hijrasil; Muhammad Alwi Hapri; Abi Suar
MANDAR: Management Development and Applied Research Journal Vol. 8 No. 2 (2026): June Period
Publisher : Universitas Sulawesi Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31605/mandar.v8i2.6431

Abstract

This study focuses on the impact of Financial Technology (fintech) developments on the performance and growth of Micro, Small, and Medium Enterprises (MSMEs) in Ternate City. The rapid advancement of fintech has brought changes to the business ecosystem, particularly regarding the ease of obtaining capital, the implementation of digital payment systems, and financial management practices among MSMEs. This study uses a quantitative method through a survey distributed to 120 MSMEs in Ternate City determined by purposive sampling technique. Data collection was carried out using a structured questionnaire, and data analysis was carried out using multiple linear regression using SPSS version 26 software. The independent variables in this study consist of the use of digital payment services (X1), access to fintech financing, and digital financial literacy, while the dependent variable is MSME performance which is assessed based on increased turnover, operational efficiency, and expansion of market reach. The findings of this study are expected to provide a comprehensive picture of the role of fintech adoption in supporting the development of MSMEs in Ternate City, while generating policy recommendations for the government and stakeholders to accelerate the digitalization of the economy at the local level
The Role of Product Innovation and Market Orientation on the Competitiveness of Micro Businesses in the Digital Economy Era in Kendari City Imran; Ridha Taurisma Lajaria; Grace Permatasari Tandipayuk
MANDAR: Management Development and Applied Research Journal Vol. 8 No. 2 (2026): June Period
Publisher : Universitas Sulawesi Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31605/mandar.v8i2.6478

Abstract

The transformation of the digital economy has changed the competitive landscape of micro enterprises by increasing market openness and the intensity of technology-based competition. In this context, product innovation and market orientation are seen as strategic factors that can strengthen the competitiveness of micro businesses. This study aims to analyze the influence of product innovation and market orientation on the competitiveness of micro businesses in the digital economy era. The study uses a quantitative approach with primary data obtained through a Likert scale questionnaire on 40 micro enterprises in Kendari City that have adopted digital marketing channels. The analysis was carried out using Structural Equation Modeling Partial Least Squares (SEM-PLS) to test the partial and simultaneous relationships between variables. The results show that product innovation and market orientation have a positive and significant effect on the competitiveness of micro enterprises, both individually and together, with a strong contribution of the model in explaining the variation in competitiveness. These findings confirm that the ability to develop products sustainably and responsiveness to the needs of digital consumers are the main determinants of competitive advantage at the micro business level. This research contributes to enriching the literature on strategic management and digital entrepreneurship and provides an empirical basis for the formulation of innovation-based and market-oriented MSME development strategies in the digital economy era

Page 14 of 14 | Total Record : 132

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