DOES FINTECH PAYMENT GATEWAY EFFECTIVE IN IMPROVING INCOME OF MICROENTERPRISES IN SURABAYA?
DOI:
https://doi.org/10.53572/ejavec.v3i2.52Keywords:
Payment Gateway, Paired t-test, Independent t-test, Profit, Small Micro-EnterprisesAbstract
This study aims to examine the effect on the income of Micro and Small Enterprises (MSEs) in Surabaya. This study uses a quantitative research approach, Paired t-test and Independent t-test methods. The variables used are income, payment gateway, capital, and labor. Type of data source is primary data which is taken directly in the field by the author, namely MSEs who move in several sectors. The result is that the income of MSEs in Surabaya, the use fintech payment gateway, has a significant effect on increasing income by using the paired t-test method. Conversely, if use the Independent t-test payment gateway does not have a significant effect.
References
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Anggreini, S. I., & Singapurwoko, A. (2019). The Disruption of Fintech on Rural Bank: An Empirical Study on Rural Banks In Indonesia. 20th International Conference on Contemporary Issues in Science, Engineering and Management (ICCI-SEM), April, 1–5.
Ardic, O., Mylenko, N., & Saltane, V. (2011). Small and Medium Enterprises: A Cross-Country Analysis with a New Data Set. World Bank Policy Research Working Paper, 5538.
Aron, J. (2017). ‘Leapfrogging’: a Survey of the Nature and Economic Implications of Mobile Money. 44(0), 1–133. www.csae.ox.ac.uk
BPHN. (1995). Undang-Undang Republik Indonesia Nomor 1 Tahun 1995 Tentang Perseroan Terbatas. Undang-Undang RI, 1–29.
Daya, S. (2003). Paired t-test. Evidence-Based Obstetrics and Gynecology, 5(3), 105–106.
Ernst & Young. (2019). Global FinTech Adoption Index 2019, https://fintechauscensus.ey.com/2019/Documents/ey-global-fintech-adoption-index-2019.pdf. 1–44.
Frederick, L. I., & Frederick, L. (2014). USF Scholarship: a digital repository @ Gleeson Library | Geschke Center Impact of Mobile Money Usage on Microenterprise Evidence from Zambia Impact of Mobile Money Usage on Microenterprise Evidence from Zambia. https://repository.usfca.edu/thes/92
Hsueh, S. C., & Kuo, C. H. (2017). Effective matching for P2P lending by mining strong association rules. ACM International Conference Proceeding Series, Part F1309, 30–33. IMF - International Monetary Fund. (2017). World Economic Outlook: Gaining Momentum? In World Economic Outlook April 2017 (Issue April). www.imfbookstore.org
Johnson, P. S., & Harefa, A. A. (2018). Financial Technology, Regulation and Banking Adaptation in Indonesia. Fundamental Management Journal, 3(1), 1–11.
Kirui, R. K., & Onyuma, S. O. (2015). Role of Mobile Money Transactions on Revenue of Microbusiness in Kenya. 7(36), 63–67.
Lavender, J. (2017). The Pulse of Fintech Welcome. November, 1–78.
Potochnik, A., Colombo, M., Wright, C., Potochnik, A., Colombo, M., & Wright, C. (2018). Statistics and Probability. Recipes for Science, Table 2, 167–206.
Putri, W. H., Nurwiyanta, N., Sungkono, S., & Wahyuningsih, T. (2019). The emerging fintech and financial slack on corporate financial performance. Investment Management and Financial Innovations, 16(2), 348–354.
Sugiarti, E. N., Diana, N., & Mawardi, M. C. (2019). Peran Fintech Dalam Meningkatkan Literasi Keuangan Pada Usaha Mikro Kecil Menengah Di Malang. E-Jra, 8(4), 90–104.
UKM, K. K. dan. (2016). Permen Kemenkop UKM 10?2016.
Vong, J., Fang, J., & Insu, S. (2012). Delivering financial services through mobile phone technology: A pilot study on impact of mobile money service on micro-entrepreneurs in rural Cambodia. International Journal of Information Systems and Change Management, 6(2), 177–186.
Xu, M., Fralick, D., Zheng, J. Z., Wang, B., Tu, X. M., & Feng, C. (2017). The differences and similarities between two-sample t-test and paired t-test. Shanghai Archives of Psychiatry, 29(3), 184–188.
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Published
2019-09-25
How to Cite
Raihan Maramba Mahardhika Paripurna, & Shochrul Rohmatul Ajija. (2019). DOES FINTECH PAYMENT GATEWAY EFFECTIVE IN IMPROVING INCOME OF MICROENTERPRISES IN SURABAYA?. East Java Economic Journal, 3(2), 214–228. https://doi.org/10.53572/ejavec.v3i2.52
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