The Influence Of Financial Technology And Financial Inclusion On The Financial Performance Of MSMEs South Tangerang City
Keywords:
Financial Technology, Financial Inclusion, Financial PerformanceAbstract
The development of MSMEs often experiences delays, some of the problems that often occur are due to the difficulty of obtaining financing, lack of financial inclusion and lack of understanding about the use of technology. Many MSME players believe that there is no need to carry out financial performance in their business, assuming that it is too complicated and takes a lot of time. Financial performance is generally used as a measure of business health. Research regarding the influence of financial literacy and fintech on financial performance has been discussed by several previous researchers, but few have discussed this problem in Banten, especially in South Tangerang City MSMEs. Apart from that, previous research generally discussed the influence of financial literacy and fintech on financial inclusion, whereas in this research the dependent (dependent) variable uses Financial Performance. Financial performance is usually used as a medium for subjective measurement to describe the effectiveness of asset utilization in increasing business income. This research aims to examine the influence of financial technology and financial inclusion on the financial performance of South Tangerang City. This research is quantitative research with data collection techniques using questionnaires. The sample consisted of 60 respondents. The sampling technique used was purposive sampling with criteria determined by MSME actors in South Tangerang City. Primary data processing uses the Statistical Package for Social Science (SPSS) with multiple regression analysis methods to analyze data and output in the form of accredited national journals.
Downloads
References
Abidin, M. Z. (2015). Kebijakan Fiskal dan Peningkatan Peran Ekonomi UMKM Www.Kemenkeu.Go.Id. https://www.kemenkeu.go.id/publikasi/artikel-dan- opini/kebijakan-fiskal-dan-peningkatan-peran-ekonomi-umkm/
Afifah, N. (2018). Implementasi Financial Technology Dalam Pengembangan UMKM Di Indonesia. Essay Booklet: The Transfotmative Power of Fintech, 1–93.
Akmal, H., & Saputra, Y. E. (2016). Analisis tingkat literasi keuangan. Jurnal Ekonomi Dan Bisnis Islam, 1(2), 235 244.http://journal.febi.uinib.ac.id/index.php/jebi/article/view/37
Amaliyah, R., & Witiastuti, R. S. (2015). Analisis Faktor Yang Mempengaruhi Tingkat Literasi Keuangan Di Kalangan Umkm Kota Tegal. Management Analysis Journal, 4(3), 252–257. https://doi.org/10.15294/maj.v4i3.8876
Amri, A. F., & Iramani. (2018). Pengaruh Literasi Keuangan Terhadap Kinerja UMKM Di Surabaya. Journal of Business & Banking, 8(1), 59–70. https://doi.org/10.14414/jbb.v8i1.1522
Anggraeni, R. (2023). FINANCIAL TECHNOLOGY DAN LITERASI KEUANGAN TERHADAP PERKEMBANGAN USAHA PADA UMKM DI KOTA TANGERANG. Digital Business Journal, 2(1), 62-71.
Ansong, A., & Gyensare, M. (2012). Determinants of University Working-Students’ Financial Literacy at the University of Cape Coast, Ghana. International Journal of Business and Management, 7(9), 126–133. https://doi.org/10.5539/ijbm.v7n9p126
Aribawa, D. (2016). Pengaruh Literasi Keuangan Terhadap Kinerja dan Keberlangsungan UMKM Di Jawa Tengah. Jurnal Siasat Bisnis, 20(1), 1–13.https://doi.org/10.1007/s10006-013-0431-4
Arikunto, S. (2010). Prosedur Penelitian: Suatu Pendekatan Praktik. PT Rineka Cipta. Bank Indonesia. (2015). Profil Bisnis Usaha Mikro, Kecil dan Menengah (UMKM). In Bank Indonesia dan LPPI.
Beck, T., Demirgüç-Kunt, A., & Levine, R. (2007). Finance, Inequality and the Poor. Journal of Economic Growth, 12(1), 1–40. https://doi.org/10.1007/s10887-007-9010-6
Bhushan, P., & Medury, Y. (2013). Financial Literacy and its Determinants. International Journal of Engineering, Business and Enterprise Applications (IJEBEA), 4(2), 155–160.
Chuen, D. L. K., & LOW, L. (2018). Inclusive Fintech (Blockchain Cryptocurrency, and ICO). New York: World Scientific.
Cude, B. J., Lawrence, F. C., Lyons, A. C., Metzger, K., LeJeune, E., Marks, L., & Machtmes, K. (2006). College Students and Financial Literacy: What They Know and What We Need to Learn. Eastern Family Economics and Resource Management Association, January, 102–109. http://mrupured.myweb.uga.edu/conf/22.pdf
Djuwita, D., & Yusuf, A. A. (2018). Tingkat Literasi Keuangan Syariah Di Kalangan UMKM Dan Dampaknya Terhadap Perkembangan Usaha. Al-Amwal : Jurnal Ekonomi Dan Perbankan Syari’ah, 10(1), 105–127. https://doi.org/10.24235/amwal.v10i1.2837
Fadilah, I., Rahman, S., & Anwar, M. (2022). Analisis pengaruh Literasi Keuangan, Inklusi Keuangan, dan Financial Technology terhadap kinerja Usaha Mikro Kecil Menengah (UMKM) di Kota Bandung. Fair Value: Jurnal Ilmiah Akuntansi Dan Keuangan, 5(3), 1347-1354.
Febriani, N. (2018). Faktor-Faktor Penentu Keberhasilan Perkembangan Financial Technology. Universitas Pasundan.
Nizar, M. A. (2017). Teknologi Keuangan (Fintech) : Konsep dan Implementasinya di Indonesia. 5–13.
Nurjannah, L. (2017). Peran Inklusi Keuangan Terhadap Perkembangan UMKM Di Yogyakarta. Universitas Islam Negeri Sunan Kalijaga.
Otoritas Jasa Keuangan. (2013). Literasi Keuangan. Www.Ojk.Go.Id. https://www.ojk.go.id/id/kanal/edukasi-dan-perlindungankonsumen/Pages/Literasi-Keuangan.aspx
Otoritas Jasa Keuangan. (2016). Peraturan OJK. Www.Ojk.Go.Id. https://www.ojk.go.id/id/regulasi/otoritas-jasa-keuangan/peraturan- ojk/Documents/Pages/POJK-Nomor-77-POJK.01-2016/SAL PENJELASAN POJK Fintech.pdf
Otoritas Jasa Keuangan. (2017). Strategi Nasional Literasi Keuangan Indonesia.
Otoritas Jasa Keuangan. (2019). Survei OJK 2019: Indeks Literasi dan Inklusi Keuangan Meningkat. Www.Ojk.Go.Id. https://www.ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/Siaran-Pers-Survei-OJK-2019-Indeks-Literasi-Dan-Inklusi-Keuangan-Meningkat.aspx
Pulungan, Delyana R. (2017). Literasi Keuangan Dan Dampaknya Terhadap Perilaku Keuangan Masyarakat Kota Medan. Jurnal Ilmu Ekonomi Dan StudiPembangunan, 17(1), 56–61. https://doi.org/10.30596/ekonomikawan.v17i1.1180
Pulungan, Delyana Rahmawany, & Febriaty, H. (2018). Pengaruh Gaya Hidup dan Literasi Keuangan Terhadap Perilaku Konsumtif Mahasiswa. Jurnal Riset Sains Manajemen, 2(3), 103–110. https://doi.org/10.5281/zenodo.1410873
Pulungan, Delyana Rahmawany, & Ndururu, A. (2019). Pengaruh Literasi Keuangan Dan Modal Sosial Terhadap Inklusi Keuangan Mahasiswa. Seminar Nasional & Call Paper Seminar Bisnis Magister Manajemen, ISSN: 2685-1474, 132–142.
Rivai, V. (2005). Manajemen Sumber Daya Manusia untuk Perusahaan, dari Teori ke Praktik. PT. Raja Grafindo Persada.
Rizal, M., Mualina, E., & Kostini, N. (2018). Fintech As One Of The Financing Solutions For SMEs. Jurnal Pemikiran Dan Penelitian Administrasi Bisnis Dan Kewirausahaan, 3(2), 89–100.
SARI, L. M. (2020). PENGARUH LITERASI KEUANGAN DAN PENGGUNAAN KEUANGAN DIGITAL TERHADAP INKLUSI KEUANGAN SERTA DAMPAKNYA PADA KINERJA UMKM DI KOTA BANDUNG.
Yanti, W. I. P. (2019). Pengaruh Inklusi Keuangan Dan Literasi Keuangan Terhadap Kinerja Umkm Di Kecamatan Moyo Utara. Jurnal Manajemen Dan Bisnis, 2(1), 1–10.
