THE ROLE OF FINTECH AND E-COMMERCE IN THE DEVELOPMENT OF MSMES

Sarah Fitria Harahap : Universitas Islam Negeri Sumatera Utara , Isnaini Harahap : Universitas Islam Negeri Sumatera Utara , Windu Anggara : Universitas Islam Negeri Sumatera Utara
Submitted: 23-01-2025 || Accepted: 09-02-2025 || Published: 24-03-2025

Abstract


The development of technology, especially fintech and e-commerce, has had a significant impact on Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. The background of this study focuses on the great potential of MSMEs in the national economy, but still faces challenges in access to financial services and marketing. The purpose of this study is to explore the role of fintech and e-commerce in increasing efficiency, expanding market reach, and supporting the growth of MSMEs. The method used is qualitative research with a literature study approach, collecting data from various related sources. The results of the study show that fintech facilitates access to financial services and digital transactions, while e-commerce allows MSMEs to reach consumers more widely. The synergy between these two sectors not only increases the competitiveness of MSMEs but also contributes to national economic growth. However, MSME actors need to overcome challenges such as competition and transaction security to maximize their potential.

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DOI: https://doi.org/10.3059/insis.v0i0.23050

DOI (PDF): https://doi.org/10.3059/insis.v0i0.23050.g12643

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