Pengaruh Financial Literacy dan Financial Technology terhadap Kinerja UMKM (Studi Kasus Pada UMKM Sektor Kuliner Pengguna Aplikasi Grab Duri Bengkalis)
Abstract
This study aims to determine the influence of financial literacy and financial technology on the performance of SMEs: A Case Study on Culinary SMEs Using the Grab Application in Duri Bengkalis. The method used in this research is quantitative descriptive analysis using the SPSS Statistics 25 program. This study uses a population of 246 SMEs in the Culinary Sector of Duri Bengkalis that use the Grab Application. The sampling technique uses purposive sampling method with a sample size of 71 SME actors. The analysis methods used in this study are validity test, reliability test, normality test, multicollinearity test, heteroskedasticity test, simple regression analysis, multiple regression analysis, t-test, F-test, and coefficient of determination test. The results of this study indicate that (1) financial literacy has a positive and significant effect on SME performance, (2) financial technology has a positive and significant effect on SME performance, and (3) financial literacy and financial technology has a positive and significant effect on SME performance.
Keywords: Financial Literacy, Financial Technology, MSME Performance, Duri Bengkalis Grab Application.
References
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Oseifuah. E. K. (2010). Financial literacy and youth entrepreneurship in South Africa. African Journal of Economic and Management Studies. Vol. 1 Iss: 2.
Otoritas Jasa Keuangan. (2013). Literasi Keuangan. Www.Ojk.Go.Id. https://www.ojk.go.id/id/kanal/edukasi-dan-perlindungankonsumen/ Pages/Literasi Keuangan.aspx
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Otoritas Jasa Keuangan. (2017) N.D. Strategi Nasional Literasi Keuangan Indonesia. www.ojk.go.id
Otoritas Jasa Keuangan. (2019). Survei OJK 2019: Indeks Literasi dan Inklusi Keuangan Meningkat. Www.Ojk.Go.Id. https://www.ojk.go.id/id/berita-dankegiatan/ siaran-pers/Pages/Siaran-Pers-Survei-OJK-2019-Indeks-Literasi-Dan-Inklusi Keuangan-Meningkat.aspx
Andreas, H. H., & Wibowo, A. S. (2023). Pengaruh Literasi Keuangan Berbasis SAK EMKM Terhadap Kinerja dan Keberlangsungan Usaha Pada UMKM di Kota Salatiga. Perspektif Akuntansi, 6(3), 22–38. https://doi.org/10.24246/persi.v6i3.p22-38
Anisah, N., & Crisnata, H. F. (2021). Analisis Tingkat Literasi Keuangan Pengguna Fintech Payment OVO. JAD: Jurnal Riset Akuntansi & Keuangan Dewantara, 4(1), 46–58.
Aribawa, D. (2016). Pengaruh Literasi Keuangan Terhadap Kinerja dan Keberlangsungan UMKM di Jawa Tengah. Jurnal Siasat Bisnis, 20(1), 1–13. https://doi.org/10.20885/jsb.vol20.iss1.art1
Astari, N. P. R. P., & Candraningrat, I. R. (2022). Pengaruh Fintech Terhadap Kinerja Keuangan Umkm dengan Literasi Keuangan Sebagai Variabel Moderasi. Jurnal Manajemen Stratejik Dan Simulasi Bisnis, 3(1), 68–81. https://doi.org/10.25077/mssb.3.1.68-81.2022
Bank Indonesia. (2017). Peraturan Bank Indonesia Tentang Penyelenggaran Teknologi Financial. Www. Peraturan.Go.Id.
Barney, J. (1991). Firm Resources and Sustained Competitive Advantage. Journal of Management, 17(1), 99-120.
Chen & Volpe, R.P. (1998). An Analysis Of Financial Literacy Among College Students. Financial Services Review.
Dahmen, P., dan Rodríguez, E. (2014). Financial Literacy and the Success of Small Businesses: An Observation From a Small Business Development Center. Numeracy. 7(1). 3.
Davis, F. D. (1985). A Technology Acceptance Model for Empirically Testing New End-user Information Systems: Theory and results (Doctoral dissertation, Massachusetts Institute of Technology).
Dinar Wahyudiati, (2017) Pengaruh Aspek Keuangan Dan Kompetensi Sumber Daya Manusia (SDM) Terhadap Kinerja Usaha Mikro Kecil Dan Menengah (UMKM) Di Desa Kasongan
Disney, R., Gathergood, J., & Weber, J. (2015). Credit counseling: A substitute for consumer financial literacy? Journal of Pension Economics and Finance, 14(4), 466–491. https://doi.org/10.1017/S1474747215000219
Fransiska, Q. (2022). Membangun Identitas Masyarakat Papua Dalam Kerangka Sustainable Development Goal’s Melalui Peningkatan Literasi Keuangan Dan Literasi Finansial Tekhnologi Terhadap Peningkatan Kinerja Usaha Mikro Kecil Menengah (UMKM). Jurnal Manajemen Dan Bisnis, 6(2), 96-103.
Haekal, F. (2021). The Influence of Financial Literacy on MSME Financial Management in Palopo City. Thesis, Faculty of Economics and Business, Muhammadiyah University of Palopo, 1–48.
Hamidah, N., Prihatni, R., & Ulupui, I. G. K. A. (2020). The effect of financial literacy, fintech (financial technology) and intellectual capital on the performance of msmes in depok city, west java. Journal of Social Science, 1(4), 152-158.
Hasibuan, Malayu S.P. (2002). Manajemen Sumber Daya Manusia. Jakarta: Bumi Aksara.
Hilmawati, M. R. N., & Kusumaningtias, R. (2021). Inklusi Keuangan Dan Literasi Keuangan Terhadap Kinerja Dan Keberlangsungan Sektor Usaha Mikro Kecil Menengah. Nominal: Barometer Riset Akuntansi Dan Manajemen, 10(1), 135–152. https://doi.org/10.21831/nominal.v10i1.33881
Hutabarat, F. (2018). Pengaruh Literasi Keuangan dan Financial Technology Terhadap Inklusi Keuangan Pada Masyarakat Jabodetabek. Institut Pertanian Bogor.
Idawati, I, A.A., & Pratama, I, G, S. (2020). Pengaruh Literasi Keuangan Terhadap Kinerja dan Keberlangsungan UMKM di Kota Denpasar. Warmadewa Management and Business Joural, 2(1) pp.1-9.
Leatemia, S., Sitanala, T., Batkunde, A., & Gainau, P. (2023). Pengaruh Financial Technology Terhadap Kinerja Usaha Mikro Kecil dan Menengah (UMKM). Ekonomi, Keuangan, Investasi Dan Syariah (EKUITAS), 5(1), 271-280. https://doi.org/10.47065/ekuitas.v5i1.3778
Liska, R., Machpudin, A., Khaza, M. A. M. H., Ratnawati, R., & Wediawati, B. (2022). Pengaruh Literasi Keuangan Dan Financial Technology Terhadap Inklusi Keuangan (Studi Empiris Pada Mahasiswa Fakultas Ekonomi Dan Bisnis Universitas Jambi). Jurnal Manajemen Terapan Dan Keuangan, 11(04), 1034–1043. https://doi.org/10.22437/jmk.v11i04.21796
Lusardi, A., & Mitchell, O. S. (2007). Financial literacy and retirement planning: New evidence from the Rand American Life Panel. Michigan Retirement Research Center Research Paper No. WP, 157.
Mawuntu, P. S. T., & Aotama, R. C. (2022). Pengukuran Kinerja UMKM Berdasarkan Key Performance Indicators (KPI) Metode Balanced Scorecard. W acana Ekonomi (Jurnal Ekonomi, Bisnis dan A kuntansi), 21 (1), pp.72-83. https://doi.org/10.22225/we.21.1.2022.72-83
Nur Hamidah, Rida Prihatni, & IGKA Ulupui. (2020). The Effect Of Financial Literacy, Fintech (Financial Technology) and Intellectual Capital On The Performance Of MSMEs In Depok City, West Java. Journal of Sosial Science, 1(4), 152–158. https://doi.org/10.46799/jsss.v1i4.53
Organization for Economics Cooperation Development. (2016). Measuring Financial Literacy: Questionnaire and Guidance Notes for Conducting an Internationally Comparable Survey of Financial Literacy. INFE.
Oseifuah. E. K. (2010). Financial literacy and youth entrepreneurship in South Africa. African Journal of Economic and Management Studies. Vol. 1 Iss: 2.
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). Pengertian Literasi Keuangan. www.ojk.go.id
Otoritas Jasa Keuangan. (2016). Peraturan OJK. Www.Ojk.Go.Id. https://www.ojk.go.id/id/regulasi/otoritas-jasa
Otoritas Jasa Keuangan. (2017) N.D. Strategi Nasional Literasi Keuangan Indonesia. www.ojk.go.id
Otoritas Jasa Keuangan. (2019). Survei OJK 2019: Indeks Literasi dan Inklusi Keuangan Meningkat. Www.Ojk.Go.Id. https://www.ojk.go.id/id/berita-dankegiatan/ siaran-pers/Pages/Siaran-Pers-Survei-OJK-2019-Indeks-Literasi-Dan-Inklusi Keuangan-Meningkat.aspx
Published
2024-08-27
Section
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Copyright (c) 2024 Marini Rosalyn Simorangkir, Ruzikna Ruzikna
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