Analysis of the Lack of Interest of MSMEs in Fintech In Medan Denai
Abstract
The government will address the issue of population explosion, which will be very important for economic development especially in Medan City, the government also encourages the growth and empowerment of MSMEs. Therefore, government-owned small and medium enterprises must be developed to be empowered. People may be motivated to move forward in their business with MSMEs in Medan Denai. Until 2021, the number of fintech companies is expected to continue to grow due to a number of variables, including convenience, excellence, service features, risk, and trust. the convenience of using fintech is easy to understand and does not require a lot of work, but umkm in Medan Denai still do not understand the use of fintech. therefore the purpose of this research is to analyze the Lack of Interest of MSMEs in Fintech in Medan Denai. This research uses a qualitative approach that is descriptive and explains the study in the field. The analysis method used is an analysis of the results of interviews and field observations conducted by researchers. In addition, the study techniques include using primary data from interviews with 10 MSME players in Medan Denai in July to those who have or have not used fintech in their operations. These 10 MSMEs are MSMEs that are a requirement for this research. According to the findings of the study, 1. Intention to use fintech services is concluded that the majority of traders are aware of the existence of fintech. Personalization is concluded that for those who know fintech, they consider fintech easy to use, but there are some MSME players who do not know fintech so they cannot make conclusions. 3. The ability to access fintech, almost all of them answered that fintech can be used anywhere, because fintech is on a cellphone that can be taken anywhere. The features that exist in fintech for them are difficult and some are not, depending on their use. 4. Technological innovativeness, namely some informants said that fintech has been able to provide services according to existing needs but some have not, it is because some of these fintechs do not have fintech guides making them feel helped in terms of buying and selling services 5. Social factors, namely for those who use fintech, they say that they use it because of the invitation of friends and people around, but there are also those who already know from the beginning. All informants said that fintech makes a business competitive and is able to make its business superior, it happens because nowadays many people make payments through fintech.
Downloads
References
Aisyah, S. (2020). Dampak Pandemi Covid-19 Bagi UMKM Serta Strategi E-Marketing UMKM Di Indonesia. Fakultas Ekonomi Dan Bisnis Islam, 1(1), 5.
Asmaul Husna, Atika Atika, Syachrul Wahyudi, A. S. (2021). Pengaruh Kebijakan Moneter Terhadap Kinerja Bisnis Perbankan Syariah. Jurnal Riset Akuntansi Dan Bisnis, 21(2), 11.
Azhar, M., & Laily, N. (2019). Pengaruh Kepemimpinan Entrepreneur, Motivasi, Lingkungan Kerja Terhapap Kinerja Karyawan UMKM Rumah Batik Dolly. Jurnal Ilmu Riset Dan Manajemen, 8(8), 11.
Budi Dharma, S. (2023). Perilaku Konsumsi Mahasiswa Dalam Memanfaatkan Dompet Digital: Studi Kasus Mahasiswa/i UINSU Medan. Jurnal Reslaj, 11(2), 11.
Hijja Mardhiya Nasution, Sri Sudiarti, I. H. (2019). Pengaruh Remunerasi, Motivasi dan Kepuasan Kerja Terhadap Kinerja Pegawai Universitas Islam Negeri Sumatera Utara Medan. Jurnal At-Tawassuth, 4(1), 12.
Indriyani, M. (2021). Pengaruh disiplin kerja dan motivasi kerja terhadap kinerja karyawan umkm songket silungkang aina kota sawahlunto. IAIN Batusangkar.
Muhammad Ikhsan H. (2022). Pengaruh Pengembangan Karir Terhadap Kinerja Pegawai Pada PT. Nubika Jaya Kabupaten Labuhan Batu Selatan. Jurnal Bursa : Ekonomi Dan Bisnis, 1(2), 3.
Muzdalifah. (2018). Peran Fintech Dalam Meningkatkan Keuangan Inklusif Pada UMKM di Indonesia (Pendekatan Keuangan Syariah). Jurnal Masharif Al-Syariah:Jurnal Ekonomi Dan Perbankan Syariah, 3, 19.
Nasution, M. I. P. (2020a). Perkembangan Teknologi Informasi Terhadap Peningkatan Bisnis Online. HIRARKI: Jurnal Ilmiah Manajemen Dan Bisnis, 3(1), 11.
Nasution, M. I. P. (2020b). Perkembangan Teknologi Informasi Terhadap Peningkatan Bisnis Online. HIRARKI: Jurnal Ilmiah Manajemen Dan Bisnis, 2(1), 11.
Nihayah, A. Z. (2019). Pengaruh Program Simpan Pinjam Kelompok Perempuan Terhadap Pendapatan Usaha Mikro Kecil dan Poverty Reductiondalam Perspektif Ekonomi Islam. IAIN Salatiga.
Nurbaiti. (2023). Konsep Sustainable Development (Pembangunan Berkelanjutan) Berbasis Sosial Dan Ekonomi Terhadap Perlindungan Sumber Daya Alam Perspektif Maqashid Syariah. Jurnal Manajemen Akuntansi (JUMSI), 3(2), 11.
Pambudy, A. P., & Handayati, R. (2022). Pengaruh Kepemimpinan dan Inovasi Terhadap Kinerja Umkm Dimediasi Kecerdasan Emosional. Jurnal Sains Sosio Humaniora, 6(1), 11.
Republika. (2019). Persaingan Usaha Dalam Perspektif Hukum Nasional dan Hukum Islam. Replubika. https://republika.co.id
Rokan, M. K. (2012). Hukum Persaingan Usaha Teori dan Praktiknya di Indonesia. PT Raja Grafindo Persada.
Tri Inda Fadhila Rahma, I. S. (2022). Dampak Usaha Tambak Udang Vanname Dalam Meningkatkan Kesejahteraan Ekonomi Masyarakat Desa Pantai Gading. EKOMA: Jurnal Ekonomi, Manajemen, Akuntansi, 1(2), 11.
UKM Sumut, R. (2022). Contoh UMKM di Kota Medan dan Sumatera Utara. UKM SUMUT. https://www.ukmsumut.com/ukm-medan/
Yenni Samri Nasution, M. (2022). Pengaruh Nilai-Nilai Islam, Upah, Pengembangan Karir, Dan Motivasi, Terhadap Kinerja Karyawan Pada Bank Sumut Kantor Cabang Syariah Medan. Jurnal Ekonomi Bisnis Syariah2, 3(1), 11.
Yulianti, D. A. (2020). Analisis Kepatuhan Wajib Pajak Pada Pelaku UMKM Muslim Ditinjau Dari Persfektif Maqashid Syariah. UNIVERSITAS ISLAM NEGERI SUNAN AMPEL SURABAYA.
Copyright (c) 2023 Putri Indah Fadillah, Muhammad Irwan Padli Nasution, Muhammad Ikhsan Harahap
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
An author who publishes in the EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis agrees to the following terms:
Author retains the copyright and grants the journal the right of first publication of the work simultaneously licensed under the Creative Commons Attribution-ShareAlike 4.0 License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal
Submission of a manuscript implies that the submitted work has not been published before (except as part of a thesis or report, or abstract); that it is not under consideration for publication elsewhere; that its publication has been approved by all co-authors. If and when the manuscript is accepted for publication, the author(s) still hold the copyright and retain publishing rights without restrictions. For the new invention, authors are suggested to manage its patent before published. The license type is CC-BY-SA 4.0.
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
