Pengaruh Financial Technology Dan Akses Permodalan Terhadap Kinerja Umkm Pada UKM Di Kota Sukabumi

Resti Ganis Yuliani; Nor Norisanti; R. Deni Muhammad Danial

doi:10.31539/costing.v7i3.9327

Resti Ganis Yuliani Universitas Muhammadiyah Sukabumi
Nor Norisanti Universitas Muhammadiyah Sukabumi
R. Deni Muhammad Danial Universitas Muhammadiyah Sukabumi

DOI: https://doi.org/10.31539/costing.v7i3.9327

Abstract

There is a decrease in the number of sales of MSMEs in Sukabumi City, which is one of the dimensions of MSME performance. This is possible because these MSMEs have not maximized financial technology, namely payment gateaway and are suspected because they do not get sufficient access to capital so that they are unable to produce food with large portions both in terms of the openness of information obtained and its convenience. The purpose of this study was to determine the effect of financial technology and access to capital on the performance of umkm in MSMEs in the city of sukabumi. this research uses quantitative research methods with descriptive and associative approaches. The population used in this study were MSMEs Restaurant in Sukabumi City with a total of 89 MSMEs as samples. The results of this study indicate that there is an influence between financial technology on the performance of MSMEs because the value of t count obtained is greater than t table, namely 2.994> 1.987. And there is an influence between Access to Capital on the performance of MSMEs because the value of t count obtained is greater than the value in the t table, namely 5,149> 1,987.

Keywords: Financial Technology, Access To Capital, Performance, MSMEs

References

Anwar, M. (2019). Dasar-dasar Manajemen Keuangan Perusahaan. Edisi 1 (1st ed.). PRENADAMEDIA GROUP.
Ar Rasyid, R., Sunarya, E., & M Ramdan, A. (2020). Analisis Minat Menggunakan Mobile Payment Dengan Pendekatan Technology Accpetance Model Pada Pengguna Link Aja Sukabumi. HIRARKI : Jurnal Ilmiah Manajemen Dan Bisnis. https://doi.org/10.30606/hirarki.v2i2.387
Dorfleitner, Hornuf, Schmitt, & Weber, &. (2019). Retrieved.
Farijah, A. N., Ramdan, A. M., & Mulia, F. (2018). Penetapan Harga Jual Produk (Umkm) Di Sukabumi Dengan Menggunakan Metode Cost Based Pricing. An-Nisbah: Jurnal Ekonomi Syariah, 5(1), 317–337. https://doi.org/10.21274/an.2018.5.1.317-337
Hsueh. (2017). Definition of Financial Technology. Coursehero.
Kholilah, N. Al, & Iramani, R. (2013). STUDI FINANCIAL MANAGEMENT BEHAVIOR PADA MASYARAKAT SURABAYA. Journal of Business and Banking, 3(1). https://doi.org/10.14414/jbb.v3i1.255
Lubis, A. M. (2021). Pengaruh Literasi Keuangan, Fintech Peer To Peer Lending Dan Payment Gateway Terhadap Kinerja Keuangan Umkm (Studi Kasus Umkm Kota Medan). Skripsi, 13(2), 90–102.
Lusimbo, E. N., & Muturi, W. (2016). ‘Financial Literacy and The Growth of Small Enterprises in Kenya: A Case of Kakamega Central Sub-County, Kenya.’ IV(6), 828–845.
Mutegi, H. K., Njeru, P. W., & Ongesa, N. T. (2015). FINANCIAL LITERACY AND ITS IMPACT ON LOANREPAYMENT BY SMALL AND MEDIUM ENTERPRENUERS. International Journal of Economics, Commerce and Management, Vol. III, Issue 3.
Oktarini, D. P., Susyanti, J., & Nurhidayah. (2021). Pengaruh Literasi Keuangan, Akses Permodalan dan Penggunaan Fintech terhadap Kinerja UMKM di Kota Batu pada Masa Pandemi Covid-19. E – Jurnal Riset Manajemen PRODI MANAJEMEN Fakultas Ekonomi Dan Bisnis Unisma, 72–83.
Sinambela, P. D. L. P. (2016). Manajemen Sumber Daya Manusia. In PT.Bumi Aksara (Vol. 13, Issue 1).
Siyoto, Sandu, & Sodik, A. (2015). Dasar Metodologi Penelitian. Yogyakarta: Literasi Media Publishing. Teori Dan Aplikasinya. Jakarta. PT Raja Grafindo Persada.
Sugeng, B. (2017). Manajemen Keuangan Fundamental. CV Budi Utama.
Sugiyono. (2022). Metode Penelitian Kuantitatif, Kualitaitf, dan R&D. Alfabeta.
Suryanto. (2017). Pola Perilaku Keuangan Mahasiswa Di Perguruan Tinggi. Jurnal Ilmu Politik Dan Komunikasi, 7(1).
UMKM, K. (2021). Pertumbuhan UMKM 2020.