The impact of digital finance on SMEs financialization: Evidence from thirty million Chinese enterprise registrations

Gao, Xue; Ren, Yongsheng

doi:10.1016/j.heliyon.2023.e18664

Cited by 3 publications

(1 citation statement)

References 41 publications

(43 reference statements)

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“…Keputusan menggunakan QRIS membantu pelaku UMKM memahami kebutuhan bisnis pelaku UMKM dengan memberikan data transaksi yang dapat digunakan untuk menganalisis pola pembelian dan kebutuhan pelanggan (Gao & Ren, 2023). Pelaku UMKM lebih mudah dalam mencari informasi terkait transaksi, mempercepat proses pencarian data, dan memberikan akses lebih mudah terhadap informasi transaksi.…”

Section: Pembahasan Literasi Keuangan Dan Keputusan Penggunaan Qrisunclassified

Penerapan SAK EMKM berbasis Penggunaan QRIS dan Literasi Keuangan (Studi persepsi Pelaku UMKM Kuliner Tasikmalaya)

Yesti Siti Nurjanah,

Taufik Wibisono

2023

JENSI

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The writing of financial reports by culinary MSME players in Tasikmalaya is still experiencing obstacles due to the low understanding of financial literacy and the application of manual reporting systems. Although in fact, the preparation of financial reports that meet the standards will make it easier to get access to funding. To help make the quality of standard financial reports, this study aims to determine the effectiveness of financial literacy and the decision to use QRIS on the implementation of financial reporting based on SAK EMKM. this study uses a quantitative method with an explantory survey of culinary MSME players in Tasikmalaya who have used QRIS. The sampling technique used rondom sampling and managed to collect data from 158 respondents. The results showed that financial literacy contributed to the decision to use QRIS and SAK EMKM reporting. The decision to use QRIS makes the highest contribution to MSME actors in reporting finances based on SAK EMKM. The results of the study provide valuable direction for culinary MSME players in Tasikmalya that to facilitate the preparation of financial reports based on SAK EMKM, they can implement transactions with QRIS and continue to improve financial literacy. The limitations of this study only use research objects focused on Culinary MSMEs in Tasikmlaya and only examine the use of QRIS for financial reports. Suggestions for future research can conduct research with a wider and more diverse object, and can develop with other variables that can improve the quality of financial reports for business sustainability.

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Section: Pembahasan Literasi Keuangan Dan Keputusan Penggunaan Qrisunclassified

Penerapan SAK EMKM berbasis Penggunaan QRIS dan Literasi Keuangan (Studi persepsi Pelaku UMKM Kuliner Tasikmalaya)

Yesti Siti Nurjanah,

Taufik Wibisono

2023

JENSI

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Bank digitalization and corporate green innovation: empowering or negative?

Jia,

Zhang

2024

Front. Energy Res.

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In the context of bank digitalization construction, this paper explores the impact and mechanism of bank digital transformation on corporate green innovation based on the data of listed enterprises from 2010 to 2021. It is found that bank digital transformation enhances the overall and strategic nature of corporate green innovation but has no significant impact on corporate substantive green innovation. The mechanism analysis shows that bank digital transformation can promote corporate green innovation by inhibiting corporate financialization and alleviating corporate financing constraints. Government environmental regulation and media attention have a positive moderating effect on the relationship between banks’ digital transformation, and enterprises’ green innovation, i.e., an increase in the level of government environmental regulation and an increase in media attention will strengthen the promotion effect of banks’ digital transformation on enterprises’ green innovation. Heterogeneity analysis shows that the promotion effect of banks’ digital transformation on corporate green innovation is more significant for state-owned enterprises, heavily polluted enterprises, large-scale enterprises, and enterprises in the eastern region. Therefore, the digital transformation of banks can “empower” the green innovation of enterprises, help the green development of enterprises, and lead the high-quality development of the economy. At the same time, the study’s results also show that the green development of enterprises should not be “superficial” but “substantial.”

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The Influence of Business Criteria Models, Digital Information, Through Co-Innovation on Bank-Sme Relations in Surabaya: Path Analysis Study

Lidiawan

2024

J. of Law and Sust. Develop.

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Purpose:This research discusses the importance of business criteria models, digital information, eco-innovation, and bank-SME relationships in achieving sustainability. This research identifies these indicators and focuses on digital platform integration, sensor installation, customer engagement, environmental innovation, competitive strategy, and knowledge management. Design/methodology/data analysis:This research uses an intervening model with path analysis techniques to analyze whether mediating variables can influence the relationship between the independent and dependent variables. The research population is MSMEs in East Java City with a sample of 620 respondents. The instruments used were questionnaire-based surveys and interviews via Zoom using Smart PLS 3, Google Sheet and Google Forms. The variables measured include business model criteria, sustainable digital information, eco-innovation dynamism, and sustainability of SMEs-Bank relationships. Research procedures include measurement, boostrapping testing, and measuring mediator models to determine the significance of the relationship between variables. Findings:Research findings show that it is important for MSMEs in Surabaya to implement sustainable innovation, strengthen relationships with banks, and utilize digital information sustainably to improve the sustainability of their business. Originality/value: This research examines the integrated influence of various factors, including business model criteria, sustainable digital information, eco-innovation dynamism, and MSME-bank relationships, on MSME sustainability. Practical implications:The findings of this research can be used by policy makers and related institutions to develop programs and policies that support MSMEs in achieving sustainability.

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The impact of digital finance on SMEs financialization: Evidence from thirty million Chinese enterprise registrations

Cited by 3 publications

References 41 publications

Penerapan SAK EMKM berbasis Penggunaan QRIS dan Literasi Keuangan (Studi persepsi Pelaku UMKM Kuliner Tasikmalaya)

Penerapan SAK EMKM berbasis Penggunaan QRIS dan Literasi Keuangan (Studi persepsi Pelaku UMKM Kuliner Tasikmalaya)

Bank digitalization and corporate green innovation: empowering or negative?

The Influence of Business Criteria Models, Digital Information, Through Co-Innovation on Bank-Sme Relations in Surabaya: Path Analysis Study

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