The impact of financial literacy, financial technology, and financial inclusion on SME business performance in Malang Raya, Indonesia Erna Retno Rahadjeng, Heri Pratikto, Imam Mukhlis, Nurika Restuningdiah, Iva Khoiril Mala Journal of Social Economics Research, 2023 The purpose of this study is to determine the relationship between financial literacy, financial technology, and financial inclusion and the business performance of SMEs in Malang Raya, Indonesia. Looking at various cases related to financial progress, all of which are turning to technology to ensure time efficiency, there is a need for further development related to research on financial technology, and financial inclusion for SMEs' business performance in Malang Raya. The analysis in this study used bibliometrics and PLS. Bibliometrics is used to find relationships that will later become new things. Before the bibliometric analysis, this research looked for references to research through Publish or Perish, so more than 200 reputable journals based on electronics were found in accordance with this study. Furthermore, filters related to the scope are more specifically related to financial technology and the inclusion of SMEs' performance. So fintech is being discovered as a novelty between financial literacy and financial inclusion. The second analysis examines the influence of financial literacy, financial technology, and, financial inclusion on the business performance of SMEs. The results of this study using PLS show that financial literacy has a positive and significant effect on the business performance of SMEs. Financial technology does not affect SMEs' business performance, and lastly, financial inclusion has a positive and significant effect on SMEs' business performance. The limitation of this study is related to the object of research that still focuses on Malang Raya.
THE RISE STRATEGY MARKETING MSMES: TRANSFORMATION DIGITAL SEABANK AS BRANCHLESS BANKING IN INDONESIA Iva Khoiril Mala, Heri Pratikto, Madziatul Churiyah, Agung Winarno, Sudarmiatin, Budi Eko Soetjipto, Adelia Rahma International Journal of Professional Business Review, 2023 Purpose: The aim of this study is to examine Digital technology can be used to streamline business transactions, saving money and time. For example, if a company has branches in several cities, it is no longer a problem to transfer any transaction fields. Theoretical framework: There are challenges for MSMEs players who need to go digital, so they need to make adjustments to these problems. This obstacle forces MSMEs actors to change their business model to a fully digital form. Methodology: The research is the bibliometric. Data collection technique is to combine various research sources related to branchless banking as MSME empowerment and then narrow it down to find innovation. The subject of this research is MSMEs in Indonesia that use Seabank as a promotion method and transaction system. The analysis technique used is Vosviewer. Findings: The results of this study are that Sea Bank is a banking service that prioritizes customer experience and business value to create a sales value chain to create connections between business models that will continue to grow. Then as a branchless banking-based digital bank. Sea Bank is a financial services company focused on customer experience and enterprise value to transform value chains and create links across business development models. Research, Practical & Social implications: The is Bank Digital, Sea Bank is service banking Which prioritize experience customer And mark from business, so that can become chain mark For intertwine linkages between model business Which will Keep going develop. Then, as Bank Digital, Sea Bank is service finance Which focus on experience customer And mark company For transformed become value chains And create connection between model business Which develop. Originality/value: The Value there are many studies that discuss digital transformation but we believe that the value of this research lies in the novelty of the awareness of MSMEs actors to increase its promotion by using the Brachless Banking Digital Bank, so that this topic can make it interesting.
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