Main Article Content
Abstract
This research endeavors to examine the determinants affecting the business sustainability of the Freshwater Fisheries Cultivation Center at the Sibolga Fisheries College, an institution crucial for enhancing community well-being and food security through the utilization of local resources. The variables under investigation encompass financial inclusion, risk management practices, mentoring initiatives, financial technology adoption, business partnerships, entrepreneurial competence, and entrepreneurial orientation, all in relation to business sustainability. Employing a quantitative methodology, this study utilizes an associative design. Data collection involved the distribution of questionnaires to both center managers and fisheries business stakeholders within Sibolga. Multiple regression analysis was employed to examine the data. The findings indicated that, when considered together, all seven independent variables exerted a positive and statistically significant influence on business sustainability. When assessed individually, financial inclusion, risk management, mentoring programs, and entrepreneurial competence demonstrated the most substantial contributions. Consequently, this study recommends enhancing access to formal financial resources, instituting structured risk management protocols, providing continuous mentoring support, improving digital literacy, and fostering cooperative-based partnerships to bolster the competitiveness of farmers.
Keywords
Article Details

This work is licensed under a Creative Commons Attribution 4.0 International License.
References
- Afrino, R., Syahza, A., Suwondo, S., & Heriyanto, M. (2024). Model of partnership in sustainable palm oil : efforts to increase partnerships in the palm oil business in Indonesia. Journal of Science and Technology Policy Management, 1(1), 1–21. https://doi.org/10.1108/JSTPM-09-2023-0154/1257774/Model-of-partnership-in-sustainable-palm-oil
- Afshan, S., Leong, K. Y., Najmi, A., Razi, U., Lelchumanan, B., & Cheong, C. W. H. (2024). Fintech advancements for financial resilience: Analysing exchange rates and digital currencies during oil and financial risk. Resources Policy, 88(January), 1–9. https://doi.org/10.1016/j.resourpol.2023.104432
- Amelia, R., Hou, A., Fathoni, M., & Vientiany, D. (2025). Integrated Liquidity and Risk Management Strategy as a Driver of Bank Efficiency : A SEM-PLS Study on BRI. Ournal of Finance Integration and Business Independence, 2, 36–45. https://doi.org/10.64276/jofibi.v1i2.44
- Anam, H. (2025). Entrepreneurial Values and Entrepreneurial Competencies in Business Sustainability. Jurnal At-Tamwil, 07(01), 121–133.
- Angkasa, W. I., & Tabrani. (2025). Analysis of Technology Needs of MSMEs in the Fisheries Industry in Pekalongan City: A Digital Transformation-Based Approach and Increasing Competitiveness. Journal of Economics, Technology and Business (JETBIS), 4(10), 590–598.
- Armariena, D. N., Nuryatin, A., Supriyanto, T., Setyaningsih, N. H., Nasib, & Xuan, A. T. Z. (2025). Collaborative Innovation Ecosystems Strengthening Sustainable Startup Growth in the Digital Economy. Startupreneur Business Digital (SABDA Journal), 4(2), 184–192.
- Arshi, A. S., Islam, S., Tamanna, A. Y., Sultana, S., & Ikram, S. B. (2024). Fintech for Sustainability in Business and Economics Research: Trends and Future Agendas. Business Perspective Review, 6(1), 34–53. https://doi.org/10.38157/bpr.v6i1.620
- Ba Awain, A. M. S., Asad, M., Sulaiman, M. A. B. A., Asif, M. U., & Shanfari, K. S. Al. (2025). Impact of Supply Chain Risk Management on Product Innovation Performance of Omani SMEs: Synergetic Moderation of Technological Turbulence and Entrepreneurial Networking. Sustainability (Switzerland), 17(7), 1–21. https://doi.org/10.3390/su17072903
- Baka, W. K., Rianse, I. S., & Zulfikar, Z. (2024). Palm Oil Business Partnership Sustainability through the Role of Social Capital and Local Wisdom : Evidence from Palm Oil Plantations in Indonesia. Sustainability, 1(1), 1–23.
- Bennett, M., March, A., & Failler, P. (2024). Blue Economy Financing Solutions for the Fisheries and Aquaculture Sectors of Caribbean Island States. Fishes, 1(1), 1–39.
- Chanoago, S., Azman, N. S., Fadli, A., Djohan, D., & Hastuty, W. (2025). Empowering Generation Z : The Influence of Self-Efficacy and Digital Financial Inclusion on Financial Behavior in the Digital Era. Journal of Finance Integration and Business Independence, 1(2), 8–14. https://doi.org/10.64276/jofibi.v1i2.37
- Cheng, P., Wu, S., & Xiao, J. (2025). Exploring the impact of entrepreneurial orientation and market orientation on entrepreneurial performance in the context of environmental uncertainty. Scientific Reports, 15(1), 1–22.
- Chikmawati, N. F. (2023). The Principle of Equal Treatment and Non- Discriminatory Country of Origin in The Regulation of Strengthening Competitiveness for Micro , Small , Medium Enterprises in The Maritime and Fishery Sector. Proceedings of the International Conference on “Changing of Law: Business Law, Local Wisdom and Tourism Industry” (ICCLB 2023), Advances in Social Science, Education and Humanities Research 804, 1(1), 1–18. https://doi.org/10.2991/978-2-38476-180-7
- Correia, A. B., Shahzad, M. F., Martins, J. M., & Baheer, R. (2024). Impact of green human resource management towards sustainable performance in the healthcare sector : role of green innovation and risk management. Cogent Business & Management, 11(1), 1–21. https://doi.org/10.1080/23311975.2024.2374625
- Dahliani, Y., & Sulaksono, H. (2024). Integrated Business Mentoring : Efforts to Improve Sustainable Business , in Mlokorejo Village , Jember , Indonesia. TGO Journal of Community Development, 2(2), 88–94.
- Destiana, D., Yandes, J., Santosa, A., & Fadillah, S. (2023). The Effect of Entrepreneurial Competence on Business Success through Entrepreneurial Motivation as an Intervening Variable. Jurnal Manajemen, 14(1), 99. https://doi.org/10.32832/jm-uika.v14i1.9786
- Djohan, D., Budiman, I., Nasib, Razaq, M. R., & Fathoni, M. (2025). Fintech , Digital Branding , and Customer Engagement to Enhance Gayo Arabica Coffee SMEs ’ Performance. Jurnal Ilmiah Manajemen Kesatuan, 13(5), 3349–3360. https://doi.org/10.37641/jimkes.v13i5.3540
- Durst, S., Hinteregger, C., & Zieba, M. (2024). The effect of environmental turbulence on cyber security risk management and organizational resilience. Computers & Security, 137(October 2023), 1–19. https://doi.org/10.1016/j.cose.2023.103591
- Fadli, A. (2021). Efforts to Maximize the Performance of SMEs and Partnerships Through Experience and Business Capital. Budapest International Research and Critics Institute-Journal (BIRCI-Journal), 5(2), 8605–8615. https://doi.org/https://doi.org/10.33258/birci.v5i2.4641 8605
- Farani, A. Y., Karimi, S., Sajedi, M., & Ataei, P. (2024). The effect of environmental sustainability orientations and entrepreneurial orientations on the performance of greenhouses. Scientific Reports, 1(1), 1–9. https://doi.org/10.1038/s41598-024-52062-y
- Fitria, I., & As’ari, H. (2024). The Impact of Financial Literacy on the Sustainability of Businesses with Finacial Inclusion as a Mediating Factor. Income Journal: Accounting, Management and Economic Research, 3(2), 70–76.
- Gracia-Zomeño, A. (2025). Impact of Entrepreneurial Competence on Education for Sustainable Development in the 21st Century. World, 1(1), 1–21.
- Han, N., & Um, J. (2024). Risk management strategy for supply chain sustainability and resilience capability. Risk Management, 26(2), 1–26. https://doi.org/10.1057/s41283-023-00138-w
- Harianto, A., Azman, N. S., Fadila, Z., & Ayuni, T. W. (2025). Enhancing Financial Decision-Making in SMEs : The Role of Accounting Systems and Human Resource Competence in North Medan Impact of Accounting System Implementation on Financial Decision-Making. Journal of Business Integration and Competitive, 2(1), 1–7. https://doi.org/10.64276/jobic.v2i1.25
- Harianto, A., Febrina, D., Nasib, Amelia, R., & Fathoni, M. (2025). Exploring the Mediating Role of Fintech Adoption in Reducing Perceived Risks and Promoting SME Sustainability. International Journal of Economics and Management Research, 4(3), 242–253. https://doi.org/https://doi.org/10.55606/ijemr.v4i1.541
- Hou, A., Djohan, D., & Hastuty, W. (2024). The Influence of Business Networks and Perception of Product Quality on the Competitive Advantage of SME Products in Langkat. Journal of Finance Integration and Business Independence, 1(1), 1–8.
- Hussain, S., Ahmad, T., Ullah, S., & Rehman, A. U. (2024). Financial inclusion and carbon emissions in Asia : Implications for environmental sustainability. Economic and Political Studies, 12(1), 1–19. https://doi.org/https://doi.org/10.1080/20954816.2023.2273003
- Igwe, N. O. P. O. E. T. C. N. C. O. P. A. (2021). Public Private Entrepreneurial Financing Partnership Model In Nigeria. Thunderbird International Business Review, 63(3), 369–379. https://doi.org/10.1002/tie.22194
- Inclusion, F., & Regulatory, T. (2023). Financial Inclusion and the Small - Scale Fisheries Sector in Namibia : A Contemporary Legal Perspective. Financial Inclusion and Digital Transformation Regulatory Practices in Selected SADC, 106(1), 1–28.
- Jabir, M. (2025). Performance Implication Of Training Among Selected Small Mining Businesses In Nasarawa State: The Role Of Mentorship And Incubation. NSUK International Journal of Entrepreneurship and Multidisciplinary Studies (NSUKIJEMS) Owner-Managers, 1(1), 52–60.
- Jainuddin, & Yovita, M. (2025). The Role Of Financial Technology In Enhancing The Development Of Fisheries Msmes In Coastal East Kalimantan. International Journal of Economics, Business and Accounting Research (IJEBAR), 1(2), 1–11.
- Jonas, M. N. (2023). Barriers to Integrating Financial Inclusion for Coastal Small - Scale Fishermen into Namibian Fisheries Policies and Regulatory Frameworks. Financial Inclusion and Digital Transformation Regulatory Practices in Selected SADC, 106(1), 1–20.
- Jundulloh, R., & Nasution, Y. (2024). The Influence of Entrepreneurial Leadership , Entrepreneurship Competence on Sustainable Organizational Performance : The Mediation Role of Innovation Capability in MSME. Tazkia Islamic Finance and Business Review, 18(2), 158–192.
- Kartika, M. G. (2024). The Influence Of Innovation And Financial Technology On Business Sustainability: Business Strategy As A Moderator. Proceeding 4th International Conference on Business & Social Sciences (ICOBUSS) Surabaya, October 26-27th, 2024, 1219–1232.
- Khairani, R., Tantri, O., & Putri, S. (2025). The Contribution of E-Commerce and Financial Management to Enhancing MSME Performance in Indonesia. Journal of Business Integration and Competitive, 2(1), 50–62. https://doi.org/10.64276/jobic.v2i1.30
- Lazarte-aguirre, A. (2024). Sustainable Technology and Entrepreneurship Pathways to sustainable entrepreneurship : Analysing drivers of sustainable entrepreneurial orientation. Sustainable Technology and Entrepreneurship, 3(3), 1–15. https://doi.org/10.1016/j.stae.2024.100081
- Lubis, Z., Junaidi, Effendi, I., Nasib, & Fadli, A. (2023). The Model for Determining the Success of the Partnership Program in Improving the Performance of SMEs Fostered Partners PT. Perkebunan Nusantara III. Quality - Access to Success, 24(192), 35–43. https://doi.org/10.47750/QAS/24.192.05
- Marwiyah, S., Jannah, N., & Fitria, L. (2023). Implementation of the Blue Economy Policy in Probolinggo City for the Development of the Creative Economy of Processed Fisheries and Marines. Jurnal Borneo Administrator, 19(148), 51–68. https://doi.org/10.24258/jba.v19i1.1148
- Mishra, D., Kandpal, V., Agarwal, N., & Srivastava, B. (2024). Financial Inclusion and Its Ripple Effects on Socio-Economic Development: A Comprehensive Review. Journal of Risk and Financial Management, 17(3), 1–18. https://doi.org/10.3390/jrfm17030105
- Nabi, G., Walmsley, A., Mir, M., Osman, S., & Walmsley, A. (2025). The impact of mentoring in higher education on student career development: a systematic review and research agenda. Studies in Higher Education, 5(1), 739–755. https://doi.org/10.1080/03075079.2024.2354894
- Pakpahan, D. R., Handayani, C., & Sanjaya, M. (2024). The Effect of Fintech Payment and Financial Literacy on Impulsive Buying of college students in Medan City. Journal of Finance Integration and Business Independence, 1(1), 20–29.
- Rajeh, J., Mohammed, H., & Al, E. (2024). Impact of entrepreneurial orientation, marketing capability, and market orientation on business sustainability and corporate reputation. Discover Sustainability, 1(1), 1–21. https://doi.org/10.1007/s43621-024-00401-4
- Rehman, A. U., Malik, A. H., Hassan, A., & Jais, M. (2023). Dynamic impact of financial inclusion and industrialization on environmental sustainability ? Unlock smarter research Emerald Originality / value Sign in ? Unlock smarter research with an Emerald profile Set up an Emerald Insight profile and stay ahead. Social Responsibility Journal, 19(5), 906–929.
- Ridho, A., & Rachmawati, D. (2025). Analysis of Digital Transformation Strategies and Product Innovation to Enhance Competitive Advantage in Fisheries MSMEs to Support the Blue Economy in Kendal Regency. Journal of Accounting Finance Management, 6(3), 925–931.
- Sagala, M. S. (2025). Peran Financial Technology ( Fintech ) terhadap Inklusi Keuangan Masyarakat Perdesaan. Applied Multidisciplinary Science, 1(1), 12–21.
- Satrianny, I. P., & Thamrin. (2022). Impact of Entrepreneurial Self Efficacy on Entrepreneurial Intention. Jurnal Cakrawala Ilmiah, 1(11), 3191–3200.
- Saunila, M. (2024). Sustainability partnership as a moderator in the relationship between business sustainability and firm competitiveness. Business Strategy And The Environment, 1(9), 123–133. https://doi.org/10.1002/bse.3493
- Show, J. C. R. B. b. (2022). Behavioural entrepreneurial mindset: How entrepreneurial education activity impacts entrepreneurial intention and behaviour. International Journal of Management Education, 20(2), 1–7. https://doi.org/10.1016/j.ijme.2022.100639
- Sobhy, N., & Megeid, A. (2024). The impact of climate risk disclosure on financial performance , financial reporting and risk management : evidence from Egypt. Future Business Journal, 10(1), 1–24. https://doi.org/10.1186/s43093-024-00309-5
- Sotamaa, T., Reiman, A., & Kauppila, O. (2025). Manufacturing SME risk management in the era of digitalisation and artificial intelligence: a systematic literature review. Continuity & Resilience Review, 7(1), 1–28. https://doi.org/https://doi.org/10.1108/CRR-12-2023-0022
- Sudharshan, S., & Paramati, R. (2024). The impact of FinTech firms on bank financial stability. Electronic Commerce Research, 24(1), 453–475. https://doi.org/10.1007/s10660-022-09595-z
- Tambunan, D., Harefa, M. H., & Wibowo, M. C. (2025). Driving Repurchase Intention in E-Commerce : The Synergistic Role of Promotional Innovation and User Experience among Lazada Consumers. Journal of Business Integration and Competitive, 2(1), 31–39. https://doi.org/10.64276/jobic.v2i1.28
- Tambunan, D., Hou, A., Nasib, Hs, W. H., & Pasaribu, D. (2024). The Role of Financial Literacy and Self-Motivation in Fostering Entrepreneurial Interest and Self-Efficacy among University Students. Journal of Logistics, Informatics and Service Science, 11(1), 136–145. https://doi.org/10.33168/JLISS.2024.0109
- Wang, C., Wang, L., & Zhao, S. (2024). The impact of Fintech on corporate carbon emissions : Towards green and sustainable development. Business Strategy And The Environment, 1(8), 5776–5796. https://doi.org/10.1002/bse.3778
- Widyastuti, N., Sembiring, V. A., Rahayu, N., & Kirani, H. A. (2025). The Impact Of Training And Mentoring On The Business Performance Of Culinary Sector Msmes In Jakarta. International Journal of Education, Business and Economics Research (IJEBER), 5(3), 272–283.
- Yan, J. (2025). How the use of alternative information in risk management fintech platforms influences SME lending : a qualitative case study. Qualitative Research in Financial Markets, 17(1), 1–20. https://doi.org/https://doi.org/10.1108/QRFM-08-2023-0198
- Yfantidou, G., Spyridopoulou, E., Papaioannou, A., Koustelios, A., & Katsoni, V. (2024). Sustainable Strategies for Innovative Cooperation in Human Resources Training between the Business Sector and Universities through Internship Programs from the Pre- to Post-COVID-19 Period. Sustainability, 1(1), 1–23.
- Yu, R. Z. Z. L. G. Z. Z. H. Q. (2023). The impact of institutional management on teacher entrepreneurship competency: The mediating role of entrepreneurial behaviour. International Journal of Management Education, 21(2), 1–11. https://doi.org/10.1016/j.ijme.2023.100794
- Yusuf, M., Maina, N. W., & Darodjat, T. A. (2024). Utilization of Fishery Waste Product : The Case of MSMEs ( In Central Java , Indonesia ). International Journal of Law, Public Administration and Social Studies, 1(5), 529–536.
- Zhang, L., Banihashemi, S., Zhu, L., Molavi, H., Odacioglu, E., & Shan, M. (2024). A scientometric analysis of knowledge transfer partnerships in digital transformation. Journal of Open Innovation: Technology, Market, and Complexity, 10(3), 1–17. https://doi.org/10.1016/j.joitmc.2024.100325
- Zhang, Q., Zhu, X., & Lee, M. (2024). Exploring Institutional Pressures , Green Innovation , and Sustainable Performance : Examining the Mediated Moderation Role of Entrepreneurial Orientation. Sustainability, 1(1), 1–23.
References
Afrino, R., Syahza, A., Suwondo, S., & Heriyanto, M. (2024). Model of partnership in sustainable palm oil : efforts to increase partnerships in the palm oil business in Indonesia. Journal of Science and Technology Policy Management, 1(1), 1–21. https://doi.org/10.1108/JSTPM-09-2023-0154/1257774/Model-of-partnership-in-sustainable-palm-oil
Afshan, S., Leong, K. Y., Najmi, A., Razi, U., Lelchumanan, B., & Cheong, C. W. H. (2024). Fintech advancements for financial resilience: Analysing exchange rates and digital currencies during oil and financial risk. Resources Policy, 88(January), 1–9. https://doi.org/10.1016/j.resourpol.2023.104432
Amelia, R., Hou, A., Fathoni, M., & Vientiany, D. (2025). Integrated Liquidity and Risk Management Strategy as a Driver of Bank Efficiency : A SEM-PLS Study on BRI. Ournal of Finance Integration and Business Independence, 2, 36–45. https://doi.org/10.64276/jofibi.v1i2.44
Anam, H. (2025). Entrepreneurial Values and Entrepreneurial Competencies in Business Sustainability. Jurnal At-Tamwil, 07(01), 121–133.
Angkasa, W. I., & Tabrani. (2025). Analysis of Technology Needs of MSMEs in the Fisheries Industry in Pekalongan City: A Digital Transformation-Based Approach and Increasing Competitiveness. Journal of Economics, Technology and Business (JETBIS), 4(10), 590–598.
Armariena, D. N., Nuryatin, A., Supriyanto, T., Setyaningsih, N. H., Nasib, & Xuan, A. T. Z. (2025). Collaborative Innovation Ecosystems Strengthening Sustainable Startup Growth in the Digital Economy. Startupreneur Business Digital (SABDA Journal), 4(2), 184–192.
Arshi, A. S., Islam, S., Tamanna, A. Y., Sultana, S., & Ikram, S. B. (2024). Fintech for Sustainability in Business and Economics Research: Trends and Future Agendas. Business Perspective Review, 6(1), 34–53. https://doi.org/10.38157/bpr.v6i1.620
Ba Awain, A. M. S., Asad, M., Sulaiman, M. A. B. A., Asif, M. U., & Shanfari, K. S. Al. (2025). Impact of Supply Chain Risk Management on Product Innovation Performance of Omani SMEs: Synergetic Moderation of Technological Turbulence and Entrepreneurial Networking. Sustainability (Switzerland), 17(7), 1–21. https://doi.org/10.3390/su17072903
Baka, W. K., Rianse, I. S., & Zulfikar, Z. (2024). Palm Oil Business Partnership Sustainability through the Role of Social Capital and Local Wisdom : Evidence from Palm Oil Plantations in Indonesia. Sustainability, 1(1), 1–23.
Bennett, M., March, A., & Failler, P. (2024). Blue Economy Financing Solutions for the Fisheries and Aquaculture Sectors of Caribbean Island States. Fishes, 1(1), 1–39.
Chanoago, S., Azman, N. S., Fadli, A., Djohan, D., & Hastuty, W. (2025). Empowering Generation Z : The Influence of Self-Efficacy and Digital Financial Inclusion on Financial Behavior in the Digital Era. Journal of Finance Integration and Business Independence, 1(2), 8–14. https://doi.org/10.64276/jofibi.v1i2.37
Cheng, P., Wu, S., & Xiao, J. (2025). Exploring the impact of entrepreneurial orientation and market orientation on entrepreneurial performance in the context of environmental uncertainty. Scientific Reports, 15(1), 1–22.
Chikmawati, N. F. (2023). The Principle of Equal Treatment and Non- Discriminatory Country of Origin in The Regulation of Strengthening Competitiveness for Micro , Small , Medium Enterprises in The Maritime and Fishery Sector. Proceedings of the International Conference on “Changing of Law: Business Law, Local Wisdom and Tourism Industry” (ICCLB 2023), Advances in Social Science, Education and Humanities Research 804, 1(1), 1–18. https://doi.org/10.2991/978-2-38476-180-7
Correia, A. B., Shahzad, M. F., Martins, J. M., & Baheer, R. (2024). Impact of green human resource management towards sustainable performance in the healthcare sector : role of green innovation and risk management. Cogent Business & Management, 11(1), 1–21. https://doi.org/10.1080/23311975.2024.2374625
Dahliani, Y., & Sulaksono, H. (2024). Integrated Business Mentoring : Efforts to Improve Sustainable Business , in Mlokorejo Village , Jember , Indonesia. TGO Journal of Community Development, 2(2), 88–94.
Destiana, D., Yandes, J., Santosa, A., & Fadillah, S. (2023). The Effect of Entrepreneurial Competence on Business Success through Entrepreneurial Motivation as an Intervening Variable. Jurnal Manajemen, 14(1), 99. https://doi.org/10.32832/jm-uika.v14i1.9786
Djohan, D., Budiman, I., Nasib, Razaq, M. R., & Fathoni, M. (2025). Fintech , Digital Branding , and Customer Engagement to Enhance Gayo Arabica Coffee SMEs ’ Performance. Jurnal Ilmiah Manajemen Kesatuan, 13(5), 3349–3360. https://doi.org/10.37641/jimkes.v13i5.3540
Durst, S., Hinteregger, C., & Zieba, M. (2024). The effect of environmental turbulence on cyber security risk management and organizational resilience. Computers & Security, 137(October 2023), 1–19. https://doi.org/10.1016/j.cose.2023.103591
Fadli, A. (2021). Efforts to Maximize the Performance of SMEs and Partnerships Through Experience and Business Capital. Budapest International Research and Critics Institute-Journal (BIRCI-Journal), 5(2), 8605–8615. https://doi.org/https://doi.org/10.33258/birci.v5i2.4641 8605
Farani, A. Y., Karimi, S., Sajedi, M., & Ataei, P. (2024). The effect of environmental sustainability orientations and entrepreneurial orientations on the performance of greenhouses. Scientific Reports, 1(1), 1–9. https://doi.org/10.1038/s41598-024-52062-y
Fitria, I., & As’ari, H. (2024). The Impact of Financial Literacy on the Sustainability of Businesses with Finacial Inclusion as a Mediating Factor. Income Journal: Accounting, Management and Economic Research, 3(2), 70–76.
Gracia-Zomeño, A. (2025). Impact of Entrepreneurial Competence on Education for Sustainable Development in the 21st Century. World, 1(1), 1–21.
Han, N., & Um, J. (2024). Risk management strategy for supply chain sustainability and resilience capability. Risk Management, 26(2), 1–26. https://doi.org/10.1057/s41283-023-00138-w
Harianto, A., Azman, N. S., Fadila, Z., & Ayuni, T. W. (2025). Enhancing Financial Decision-Making in SMEs : The Role of Accounting Systems and Human Resource Competence in North Medan Impact of Accounting System Implementation on Financial Decision-Making. Journal of Business Integration and Competitive, 2(1), 1–7. https://doi.org/10.64276/jobic.v2i1.25
Harianto, A., Febrina, D., Nasib, Amelia, R., & Fathoni, M. (2025). Exploring the Mediating Role of Fintech Adoption in Reducing Perceived Risks and Promoting SME Sustainability. International Journal of Economics and Management Research, 4(3), 242–253. https://doi.org/https://doi.org/10.55606/ijemr.v4i1.541
Hou, A., Djohan, D., & Hastuty, W. (2024). The Influence of Business Networks and Perception of Product Quality on the Competitive Advantage of SME Products in Langkat. Journal of Finance Integration and Business Independence, 1(1), 1–8.
Hussain, S., Ahmad, T., Ullah, S., & Rehman, A. U. (2024). Financial inclusion and carbon emissions in Asia : Implications for environmental sustainability. Economic and Political Studies, 12(1), 1–19. https://doi.org/https://doi.org/10.1080/20954816.2023.2273003
Igwe, N. O. P. O. E. T. C. N. C. O. P. A. (2021). Public Private Entrepreneurial Financing Partnership Model In Nigeria. Thunderbird International Business Review, 63(3), 369–379. https://doi.org/10.1002/tie.22194
Inclusion, F., & Regulatory, T. (2023). Financial Inclusion and the Small - Scale Fisheries Sector in Namibia : A Contemporary Legal Perspective. Financial Inclusion and Digital Transformation Regulatory Practices in Selected SADC, 106(1), 1–28.
Jabir, M. (2025). Performance Implication Of Training Among Selected Small Mining Businesses In Nasarawa State: The Role Of Mentorship And Incubation. NSUK International Journal of Entrepreneurship and Multidisciplinary Studies (NSUKIJEMS) Owner-Managers, 1(1), 52–60.
Jainuddin, & Yovita, M. (2025). The Role Of Financial Technology In Enhancing The Development Of Fisheries Msmes In Coastal East Kalimantan. International Journal of Economics, Business and Accounting Research (IJEBAR), 1(2), 1–11.
Jonas, M. N. (2023). Barriers to Integrating Financial Inclusion for Coastal Small - Scale Fishermen into Namibian Fisheries Policies and Regulatory Frameworks. Financial Inclusion and Digital Transformation Regulatory Practices in Selected SADC, 106(1), 1–20.
Jundulloh, R., & Nasution, Y. (2024). The Influence of Entrepreneurial Leadership , Entrepreneurship Competence on Sustainable Organizational Performance : The Mediation Role of Innovation Capability in MSME. Tazkia Islamic Finance and Business Review, 18(2), 158–192.
Kartika, M. G. (2024). The Influence Of Innovation And Financial Technology On Business Sustainability: Business Strategy As A Moderator. Proceeding 4th International Conference on Business & Social Sciences (ICOBUSS) Surabaya, October 26-27th, 2024, 1219–1232.
Khairani, R., Tantri, O., & Putri, S. (2025). The Contribution of E-Commerce and Financial Management to Enhancing MSME Performance in Indonesia. Journal of Business Integration and Competitive, 2(1), 50–62. https://doi.org/10.64276/jobic.v2i1.30
Lazarte-aguirre, A. (2024). Sustainable Technology and Entrepreneurship Pathways to sustainable entrepreneurship : Analysing drivers of sustainable entrepreneurial orientation. Sustainable Technology and Entrepreneurship, 3(3), 1–15. https://doi.org/10.1016/j.stae.2024.100081
Lubis, Z., Junaidi, Effendi, I., Nasib, & Fadli, A. (2023). The Model for Determining the Success of the Partnership Program in Improving the Performance of SMEs Fostered Partners PT. Perkebunan Nusantara III. Quality - Access to Success, 24(192), 35–43. https://doi.org/10.47750/QAS/24.192.05
Marwiyah, S., Jannah, N., & Fitria, L. (2023). Implementation of the Blue Economy Policy in Probolinggo City for the Development of the Creative Economy of Processed Fisheries and Marines. Jurnal Borneo Administrator, 19(148), 51–68. https://doi.org/10.24258/jba.v19i1.1148
Mishra, D., Kandpal, V., Agarwal, N., & Srivastava, B. (2024). Financial Inclusion and Its Ripple Effects on Socio-Economic Development: A Comprehensive Review. Journal of Risk and Financial Management, 17(3), 1–18. https://doi.org/10.3390/jrfm17030105
Nabi, G., Walmsley, A., Mir, M., Osman, S., & Walmsley, A. (2025). The impact of mentoring in higher education on student career development: a systematic review and research agenda. Studies in Higher Education, 5(1), 739–755. https://doi.org/10.1080/03075079.2024.2354894
Pakpahan, D. R., Handayani, C., & Sanjaya, M. (2024). The Effect of Fintech Payment and Financial Literacy on Impulsive Buying of college students in Medan City. Journal of Finance Integration and Business Independence, 1(1), 20–29.
Rajeh, J., Mohammed, H., & Al, E. (2024). Impact of entrepreneurial orientation, marketing capability, and market orientation on business sustainability and corporate reputation. Discover Sustainability, 1(1), 1–21. https://doi.org/10.1007/s43621-024-00401-4
Rehman, A. U., Malik, A. H., Hassan, A., & Jais, M. (2023). Dynamic impact of financial inclusion and industrialization on environmental sustainability ? Unlock smarter research Emerald Originality / value Sign in ? Unlock smarter research with an Emerald profile Set up an Emerald Insight profile and stay ahead. Social Responsibility Journal, 19(5), 906–929.
Ridho, A., & Rachmawati, D. (2025). Analysis of Digital Transformation Strategies and Product Innovation to Enhance Competitive Advantage in Fisheries MSMEs to Support the Blue Economy in Kendal Regency. Journal of Accounting Finance Management, 6(3), 925–931.
Sagala, M. S. (2025). Peran Financial Technology ( Fintech ) terhadap Inklusi Keuangan Masyarakat Perdesaan. Applied Multidisciplinary Science, 1(1), 12–21.
Satrianny, I. P., & Thamrin. (2022). Impact of Entrepreneurial Self Efficacy on Entrepreneurial Intention. Jurnal Cakrawala Ilmiah, 1(11), 3191–3200.
Saunila, M. (2024). Sustainability partnership as a moderator in the relationship between business sustainability and firm competitiveness. Business Strategy And The Environment, 1(9), 123–133. https://doi.org/10.1002/bse.3493
Show, J. C. R. B. b. (2022). Behavioural entrepreneurial mindset: How entrepreneurial education activity impacts entrepreneurial intention and behaviour. International Journal of Management Education, 20(2), 1–7. https://doi.org/10.1016/j.ijme.2022.100639
Sobhy, N., & Megeid, A. (2024). The impact of climate risk disclosure on financial performance , financial reporting and risk management : evidence from Egypt. Future Business Journal, 10(1), 1–24. https://doi.org/10.1186/s43093-024-00309-5
Sotamaa, T., Reiman, A., & Kauppila, O. (2025). Manufacturing SME risk management in the era of digitalisation and artificial intelligence: a systematic literature review. Continuity & Resilience Review, 7(1), 1–28. https://doi.org/https://doi.org/10.1108/CRR-12-2023-0022
Sudharshan, S., & Paramati, R. (2024). The impact of FinTech firms on bank financial stability. Electronic Commerce Research, 24(1), 453–475. https://doi.org/10.1007/s10660-022-09595-z
Tambunan, D., Harefa, M. H., & Wibowo, M. C. (2025). Driving Repurchase Intention in E-Commerce : The Synergistic Role of Promotional Innovation and User Experience among Lazada Consumers. Journal of Business Integration and Competitive, 2(1), 31–39. https://doi.org/10.64276/jobic.v2i1.28
Tambunan, D., Hou, A., Nasib, Hs, W. H., & Pasaribu, D. (2024). The Role of Financial Literacy and Self-Motivation in Fostering Entrepreneurial Interest and Self-Efficacy among University Students. Journal of Logistics, Informatics and Service Science, 11(1), 136–145. https://doi.org/10.33168/JLISS.2024.0109
Wang, C., Wang, L., & Zhao, S. (2024). The impact of Fintech on corporate carbon emissions : Towards green and sustainable development. Business Strategy And The Environment, 1(8), 5776–5796. https://doi.org/10.1002/bse.3778
Widyastuti, N., Sembiring, V. A., Rahayu, N., & Kirani, H. A. (2025). The Impact Of Training And Mentoring On The Business Performance Of Culinary Sector Msmes In Jakarta. International Journal of Education, Business and Economics Research (IJEBER), 5(3), 272–283.
Yan, J. (2025). How the use of alternative information in risk management fintech platforms influences SME lending : a qualitative case study. Qualitative Research in Financial Markets, 17(1), 1–20. https://doi.org/https://doi.org/10.1108/QRFM-08-2023-0198
Yfantidou, G., Spyridopoulou, E., Papaioannou, A., Koustelios, A., & Katsoni, V. (2024). Sustainable Strategies for Innovative Cooperation in Human Resources Training between the Business Sector and Universities through Internship Programs from the Pre- to Post-COVID-19 Period. Sustainability, 1(1), 1–23.
Yu, R. Z. Z. L. G. Z. Z. H. Q. (2023). The impact of institutional management on teacher entrepreneurship competency: The mediating role of entrepreneurial behaviour. International Journal of Management Education, 21(2), 1–11. https://doi.org/10.1016/j.ijme.2023.100794
Yusuf, M., Maina, N. W., & Darodjat, T. A. (2024). Utilization of Fishery Waste Product : The Case of MSMEs ( In Central Java , Indonesia ). International Journal of Law, Public Administration and Social Studies, 1(5), 529–536.
Zhang, L., Banihashemi, S., Zhu, L., Molavi, H., Odacioglu, E., & Shan, M. (2024). A scientometric analysis of knowledge transfer partnerships in digital transformation. Journal of Open Innovation: Technology, Market, and Complexity, 10(3), 1–17. https://doi.org/10.1016/j.joitmc.2024.100325
Zhang, Q., Zhu, X., & Lee, M. (2024). Exploring Institutional Pressures , Green Innovation , and Sustainable Performance : Examining the Mediated Moderation Role of Entrepreneurial Orientation. Sustainability, 1(1), 1–23.