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Nur Ajizah

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Open access Sep 2026

PENGARUH PERSEPSI MANFAAT KEPERCAYAAN DAN LITERASI KEUANGAN DIGITAL TERHADAP MINAT PENGGUNAAN FINTECH PADA UMKM SEKTOR MAKANAN DAN MINUMAN DENGAN PERSEPSI RESIKO SEBAGAI VARIABEL MODERASI

This study aims to analyze the effects of perceived usefulness, trust, and digital financial literacy on the intention to use financial technology (fintech), with perceived risk serving as a moderating variable among Micro, Small, and Medium Enterprises (MSMEs) in the food and beverage sector in Pasuruan Regency. This...

Yesyi Ani Irma, Nur Ajizah · 0 citations
Open access Sep 2026

PENGARUH FINANCIAL TECHNOLOGY TERHADAP EFISIENSI OPERASIONAL DAN KEBERLAJUTAN UMKM DENGAN LITERASI DIGITAL SEBAGAI VARIABEL MODERASI

Penelitian ini bertujuan untuk menganalisis pengaruh financial technology terhadap efisiensi operasional dan keberlanjutan usaha mikro, kecil, dan menengah (UMKM) dengan literasi digital sebagai variabel moderasi. Penelitian menerapkan pendekatan kuantitatif dengan jenis explanatory research terhadap 385 pelaku UMKM di...

Ika Nur Fatihah, Nur Ajizah · 0 citations

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