Financial Technology-Based Transaction Model in Sasak Weaving MSMEs, Lombok

Yayuk Sri Rahayu, Guntur Kusuma Wardana, Fitriyah Fitriyah, Razali Ade Syahputra Hasibuan

Abstract


Fintech development in Indonesia has created opportunities to expand the financial inclusion of MSMEs, with potential implications for poverty alleviation. However, barriers to accessing and using financial services continue to constrain MSME competitiveness, including among producers of Sasak woven fabric. This study examines the implementation and role of fintech in Sasak woven-fabric MSMEs in Lombok and identifies the barriers to its adoption. A qualitative research design was used, with data collected through face-to-face interviews, focus group discussions, direct observation, and photographic documentation. The findings show that the main fintech services used by Sasak woven-fabric MSMEs are QRIS and bank transfers. Fintech adoption is more extensive in Sukarara than in Sade. MSME actors in Sade generally have lower digital and financial literacy and continue to rely largely on cash transactions, whereas those in Sukarara receive cooperative support for non-cash transactions. Major barriers to wider fintech integration in Lombok's tourism economy include limited digital and financial literacy and insufficient sustained institutional support. Banks, government agencies, and local communities should therefore collaborate to strengthen digital literacy and develop fintech-enabled infrastructure

Keywords


Micro Small and Medium Enterprises; Financial Technology; Sasak Lombok

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DOI: https://doi.org/10.18860/iq.v22i2.41940

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