Inovasi Financial Technology dalam Pengembangan Usaha Mikro, Kecil, dan Menengah di Propinsi Sulawesi Selatan

Muhammad Dinar(1*), Andi Asti Handayani(2), Mustari Mustari(3), Nurdiana Nurdiana(4), Muhammad Hasan(5),

(1) Universitas Negeri Makassar
(2) Universitas Negeri Makassar
(3) Universitas Negeri Makassar
(4) Universitas Negeri Makassar
(5) Universitas Negeri Makassar
(*) Corresponding Author



Abstract


This research aims to find out and analyze financial technology innovation in the development of Small and Medium Micro Enterprises in South Sulawesi Province. This research was conducted in Small and Medium Micro Enterprises in Wajo, Gowa, Maros and Luwu districts. Data collection techniques using observations and interviews. Based on the results of the research shows that with the innovation of financial technology has a positive impact on the development of MSMEs wajo, Gowa, Maros and Luwu. The impact contributes to the increase in sales transactions caused by the conveniences obtained by consumers in transacting.

Full Text:

PDF

References


Alyas, M. R. (2017). Strategi Pengembangan Usaha Mikro, Kecil dan Menengah Dalam Penguatan Ekonomi Kerakyatan (Studi Kasus Pada Usaha Roti Maros di Kabupaten Maros). Sosiohumaniora.

Ardiansyah, T. (2019). Model financial dan teknologi (fintech) membantu permasalahan modal wirausaha UMKM Di Indonesia. Majalah Ilmiah Bijak, 16(2), 158–166.

Awinja, N. N., & Fatoki, O. I. (2021). Effect of Digital Financial Services on the Growth of SMEs in Kenya. African Journal of Empirical Research, 2(1), 79–94.

Darmika, A. D. E. P. (2021). Pengaruh Financial Technology Terhadap Perkembangan Umkm Di Kota Palopo. Universitas Muhammadiyah Palopo.

Hasan, M., & Dinar, M. (2020). Strategi Bauran Pemasaran Usaha Roti Maros Salenrang Di Kabupaten Maros, Provinsi Sulawesi Selatan. Jurnal Ekonomi, Sosial & Humaniora, 2(02), 86–93.

Kadir, A. R., & Muis, M. (2019). Strategy Orientation Transformation from Market Orientation to Innovation Orientation and the Effect on Marketing Performance of Woven Industry in Wajo District, South Sulawesi Province. 3rd International Conference on Accounting, Management and Economics 2018, 689–699.

Kadir, N., Munir, A. R., Umar, F., & Maming, J. (2020). Development of Silk Business in South Sulawesi Province. ICAME 2020: Proceedings of the 5th International Conference on Accounting, Management and Economics, Icame 2020, 14-15 October 2020, Makassar, Indonesia, 56.

Lawrence, S., Deshmukh, S., & Navajivan, E. (2018). A Comparative Study of Digital Marketing vs. Traditional Marketing. IIBM’S Journal of Management Research, 112–121.

Leong, K., & Sung, A. (2018). FinTech (Financial Technology): what is it and how to use technologies to create business value in fintech way? International Journal of Innovation, Management and Technology, 9(2), 74–78.

Liu, Y., Peng, J., & Yu, Z. (2018). Big Data Platform Architecture under The Background of Financial Technology: In The Insurance Industry As An Example. Proceedings of the 2018 International Conference on Big Data Engineering and Technology, 31–35.

Mustikasari, Y., & Noviardy, A. (2020). Pengaruh Financial Technology Dalam Meningkatkan Literasi Keuangan Usaha Mikro Kecil dan Menengah Kota Palembang. Jurnal Ilmiah Bina Manajemen, 3(2), 147–155.

Muhiddin, M. Q. A. (2020). Implementasi Kebijakan Pengembangan Usaha Mikro, Kecil Dan Menengah (Umkm) Di Dinas Koperasi Dan Umkm Kabupaten Gowa.

Nasiruddin, F. (2019). Strategi Pemasaran Roti Maros Di Kabupaten Maros (Studi Kasus Pada Toko Roti Maros Setia Kawan). Uneversitas Negeri Makassar.

Narastri, M. (2020). Financial Technology (Fintech) di Indonesia Ditinjau dari Perspektif Islam. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 2(2), 155–170.

Ningsih, D. R. (2020). Peran Financial Technology (Fintech) Dalam Membantu Perkembangan Wirausaha UMKM. Prosiding Seminar Nasional Program Pascasarjana Universitas PGRI Palembang.

Pramesti, A. (2019). The Effect Of Accounting Information Systems Quality, Trust And Loyalty On User Performance Using Extended Information System Success Model On Multifinance Company In Depok. Jurnal Ilmiah Ekonomi Bisnis, 23(3), 296–314.

Purnamasari, P., Pramono, I. P., Haryatiningsih, R., Ismail, S. A., &Shafie, R. (2020). Technology Acceptance Model of Financial Technology in Micro, Small, and Medium Enterprises (MSME) in Indonesia. The Journal of Asian Finance, Economics, and Business,7(10), 981–988.

Rahardjo, B., Ikhwan, K., & Siharis, A. K. (2019). Pengaruh Financial Technology (Fintech) Terhadap Perkembangan UMKM DI Kota Magelang. Prosiding Seminar Nasional Fakultas Ekonomi Untidar.

Rahma, T. I. F. (2018). Persepsi Masyarakat Kota Medan Terhadap Penggunaan Financial Technology. At-Tawassuth: Jurnal Ekonomi Islam, 3(1), 184–203.

Ridwan, M. A. (2020). Financial Technology; Maksimalisasi Laba Usaha pada Usaha Mikro Kecil Menengah (UMKM)(Studi pada Merchant Fintech Go-Pay di Wilayah Kota Makassar). Universitas Islam Negeri Alauddin Makassar.

Rizal, M., Maulina, E., & Kostini, N. (2018). Fintech As One Of The Financing Solutions For SMEs.AdBispreneur: Jurnal Pemikiran Dan Penelitian Administrasi Bisnis Dan Kewirausahaan, 3(2), 12.

Rizal, M., Aslinda, A., Firman, M. J., & Siraj, M. L. (2020). Pemanfaatan Digital Marketing Bagi Pelaku UMKM di Kelurahan Malakaji Kabupaten Gowa. Seminar Nasional Pengabdian Kepada Masyarakat.

Sugiarti, E. N., Diana, N., & Mawardi, M. C. (2019). Peran fintech dalam meningkatkan literasi keuangan pada Usaha Mikro Kecil Menengah di Malang. Jurnal Ilmiah Riset Akuntansi, 8(04).

Susilowati, I. H. (2020). Financial Technology in The Development of UMKM. Enrichment: Journal of Management, 11, 200–205.

Tambunan, T. (2019). Recent evidence of the development of micro, small and medium enterprises in Indonesia. Journal of Global Entrepreneurship Research, 9(1), 1–15.

Varga, D. (2017). Fintech, the new era of financial services. Vezetéstudomįny-Budapest Management Review, 48(11), 22–32.

Winarto, W. W. A. (2020). Peran Fintech dalam Usaha Mikro Kecil dan Menengah (UMKM).Jesya (Jurnal Ekonomi Dan Ekonomi Syariah), 3(1), 61–73.

Yusuf, M. (2019). Determination of Market Orientation and Strategic Orientation Dimensions that Affect Marketing Performance of the Weaving Industry in Wajo District, South Sulawesi Province.Annual International Conference of Business and Public Administration (AICoBPA 2018), 144–147.


Article Metrics

Abstract view : 569 times | PDF view : 0 times

Refbacks

  • There are currently no refbacks.


Copyright (c) 2021 Seminar Nasional Teknologi Pendidikan

Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.

Proceeding Seminar Nasional Teknologi Pendidikan

Department of Educational Technology, Faculty of Science Education, Universitas Negeri Makassar.

Contact:

Izzul Kiram Suardi: +62 811 469 4494

Rahayu Nurfadilla: +62 821 929 12494