Development of Financial Technology-Based MSMEs
Siti Mujiatun, Rahmayati, Frida Yanti Sirait, Afif Badawi
ABSTRACT
MSMEs contribute to the digital economy based on financial technology where it is necessary to adopt digital technology. The growth of SMEs based on financial technology is the paper’s main objective. Secondary data from publications on financial technology and MSMEs relevant to the in-depth analysis of this study material were used in this. According to study findings, the creation of MSME based on financial technology, namely Peer to Peer (P2P), lending can reach micro and small businesses (MSMEs) that do not yet have access to banking and bridge the provision of collateral-free financing, and MSME also needs to be developed through a level up MSME program supported by government to promote technology-savvy MSMEs. The conclusion is that financial technology services are needed in the development of the digital economy, especially MSMEs, which can make it easier for MSMEs to solve existing problems
Keywords: Development, MSMEs, Financial Technology, Porters 5 Forces
Ensuring Quality of Learning by Organising Webinars as an Alternative Assessment for Higher Education Students During the Covid-19 Pandemic Period
Godofredo Cristobal Utanes
ABSTRACT
The education sector worldwide bore the brunt of the tragedy caused by the Covid-19 pandemic. Many people have labelled the negative impacts as “educational losses” (Hoofman & Secord, 2021; Kuhfeld et al., 2022). The academic performance of students as measured by conventional assessments is one element in learning journeys that needs attention. Pre-pandemic assessments lost their validity during the Covid-19 period as a result of restrictions on teacher and student engagement and physical presence in the classroom (Li, 2022). During the time of this experiment and writing, the global pandemic that had reached Singapore shores was still present and had an effect on people, homes, companies, and schools (Wyman, 2020). The key question was whether organising webinars is an ideal assessment alternative for students of higher learning. These queries sparked the idea of experimentation where students organised their own webinars for the very first time with module-related themes. The aim of this research experiment was to examine the practicality and effectiveness of organising webinars as an approach to test the knowledge and skills acquisition among hospitality students. The mixed research method was used in this study. Tools included a survey questionnaire that consisted of a mix of quantitative and qualitative questions. The respondents were students of both the bachelor’s degree and MBA programmes of a private education institute in Singapore. The experiment proved that organising online events, specifically webinars or online interviews was a better alternative than traditional assessment types to evaluate the performance of tertiary and post-graduate students during the coronavirus pandemic. The findings of this experiment would benefit higher-learning organisations as well as educational institutions in using the organisation of online events like webinars, as an assessment tool, especially in situations when it would be a challenge for students to hold physical classes. The study could also provide insights to certain business organisations that would use webinars for the first time or continue to improve on them as they communicate to their public and attract more attention to the products and services they provide.
Key words: Covid-19, hospitality, Singapore, student assessment, webinar
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ABSTRACT
When the topic of global entrepreneurship development is analyzed, access to quality leadership and entrepreneurial skills training is vital for individuals in frontier and emerging markets. However, these contexts are characterized by unique challenges, such as limited resources, geographical constraints, and lack of tailored support that often hinder the dissemination of such programs. This is a study that dives deep into the innovative use of technology in implementing and delivering leadership and entrepreneurial skills development initiatives for entrepreneurs in these markets, focusing on the efforts of Bridge For Billions and AsiaTech, which are on a mission to democratize access to quality entrepreneurship support worldwide and build a system within which everyone, everywhere can unleash their entrepreneurial potential to identify sustainable solutions to address societal and business problems.
Keywords: Leadership, Entrepreneurship, Managerial skills, Sustainability
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Pembentukan Pengetahuan Tasit di Kalangan Usahawan ICT Bertaraf Perusahaan Kecil dan Sederhana (PKS) di Malaysia :
Satu Kajian Kualitatif
Ridzuan Masri, Siti Haryani Mat Yusoff, Chok Nyen Vui, Arman Hj Ahmad
Abstrak
Kajian kualitatif ini mengkaji kepentingan pengetahuan tasit di kalangan usahawan dalam industri teknologi maklumat dan komunikasi (ICT) dan bagaimana pengetahuan ini diperolehi. Pengetahuan tasit, yang merupakan aset intelektual tidak terlihat, adalah kritikal dalam keberhasilan usahawan ICT. Kajian ini menggunakan kaedah persampelan bertujuan untuk memilih 15 usahawan ICT yang mempunyai pengalaman mendalam dalam industri bertaraf PKS (Perusahaan Kecil dan Sederhana). Pendekatan temuduga semi-struktur dijalankan untuk mendapatkan gambaran tentang proses untuk membentuk akses kepada pengetahuan tasit. Dapatan kajian menunjukkan bahawa usahawan ICT cenderung memperoleh pengetahuan tasit melalui tiga sumber utama: pengalaman bekerja secara langsung, interaksi dengan industri, dan melalui latihan berterusan. Pengalaman bekerja memberikan pemahaman intuitif tentang operasi bisnes sehari-hari, sementara interaksi dengan industri menyediakan wawasan tentang praktik terbaik dan trend semasa. Latihan berterusan, baik secara formal mahupun informal, menambah pengetahuan dan memperkasa usahawan untuk menyesuaikan diri dengan perubahan teknologi yang sangat dinamik. Kesimpulan kajian ini memperkuatkan peranan strategik pengetahuan tasit dalam memajukan inovasi dan keberlangsungan bisnes dalam sektor ICT. Implikasi dari penemuan ini mencadangkan bahawa pelaburan dalam pembangunan pengetahuan tasit secara sistematik perlu menjadi prioriti kepada usahawan yang ingin mempertingkatkan prestasi dan mempertahankan kelebihan kompetitif di pasaran dan industry yang sentiasa berubah-ubah.