The Impact of Payment Systems and Peer-to-Peer Lending on the Performance of SMEs in Indonesia

Desiyanti, Rika; Husin, Nor Azilah; Kassim, Aza Azlina Md; Elvira, Rini

doi:10.18502/kss.v7i6.10608

Cited by 2 publications

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“…However, Small and Medium Enterprises (SMEs) performance has contributed to the establishmentE and sustainability of the nation's socio-economic development (Desiyanti, Husin, Kassim, & Elvira, 2022). e SMEs sub-sector absorbs more than 80 percent of job opportunities, facilitates primary production and value addition, enhances capacity utilization and improves capital per head (Ahmed & Ojong, 2014).…”

Section: Background To the Studymentioning

confidence: 99%

Mediating Effect of Access to Electronic Payment System on Currency Redesign Policy and SMEs Performance in Northeast-Nigeria

Umar,

Na-Allah

2024

IJASBSM

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This paper investigated the mediating role of access to electronic payment system (APS) on the relationship between currency redesign policy (CRP) and the performance of SMEs (PERF) in selected states (Adamawa, Bauchi, Gombe, and Yobe) in north-eastern Nigeria. The study used quantitative research approach and a multi-stage sampling technique was used to generate 300 responses using a research questionnaire. The partial least square structural equation modeling (PLS-SEM) technique was used to analyze data while the research model was examined using the disjointed two-stages approach. The study found a positive and significant mediating effect between CRP and PERF through APS. Equally, the direct paths were all found to be positive and significantly related. Meaning that not only does CRP affect PERF directly, but it also has an indirect effect on PERF through APS. This provided support for linking CRP and PERF through APS, and CRP and PERF, which doubles for validating the research model on the reflective-formative basis. Therefore, businesses are encouraged to utilize the usefulness of APS for doing transactions, which will double for achieving better PERF under the current CRP regime. This will have implication as the government is reintroducing the CRP as one of the measures of addressing inflation in Nigeria. On this note, the study concluded that APS is the most crucial factor in the implementation of CRP. Although, this cannot be generalized due to the concentration of the study in one region of the country, but future studies are encouraged to extend the scope of research to establish a basis of generalization.

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Section: Background To the Studymentioning

confidence: 99%

Mediating Effect of Access to Electronic Payment System on Currency Redesign Policy and SMEs Performance in Northeast-Nigeria

Umar,

Na-Allah

2024

IJASBSM

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“…Apabila UMKM dapat memanfaatkan fintech dengan baik, maka akan dapat meningkatkan kinerja. Hasil penelitian ini didukung oleh penelitian Desiyanti et al (2022), Subanidja et al (2022), Siska (2022), Kristianti & Tulenan (2021), Hamidah et al (2020, Dharmatanna (2020), Anggraini et al (2020), dan Lubis et al (2019.…”

Section: Pengaruh Literasi Keuangan Terhadap Inklusi Keuangan Umkm Di...unclassified

Pengujian Model Kinerja Keuangan Pada UMKM Di Kabupaten Buleleng

Candraningsih

Atmadja

Werastuti

2023

JIMAT

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Abstract This research is based on the decline in the financial performance of MSMEs in the Buleleng Regency. This study aimed to empirically prove the effect of financial literacy and financial technology on financial inclusion and its impact on the financial performance of MSMEs in the Buleleng Regency. The sample of this research is MSMEs in Buleleng Regency, which was selected using the purposive sampling method. Data analysis used Structural Equation Modeling-Partial Least Square with the help of SmartPLS Version 3. The results showed that financial literacy and financial technology positively and significantly affected financial inclusion. Financial literacy and financial technology positively and significantly affected financial performance. Financial inclusion had a positive and significant effect on financial performance, and financial inclusion mediates the effect of financial literacy and financial technology on financial performance. Keywords: financial performance; financial inclusion; financial literacy; financial technology.

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The Impact of Payment Systems and Peer-to-Peer Lending on the Performance of SMEs in Indonesia

Cited by 2 publications

References 0 publications

Mediating Effect of Access to Electronic Payment System on Currency Redesign Policy and SMEs Performance in Northeast-Nigeria

Mediating Effect of Access to Electronic Payment System on Currency Redesign Policy and SMEs Performance in Northeast-Nigeria

Pengujian Model Kinerja Keuangan Pada UMKM Di Kabupaten Buleleng

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