The Effect of Fintech Adoption, Financial Literacy and Financial Management Behavior to MSME Performance in Medan

Fitri Amaliani, Muliyani Muliyani

Abstract


This study aims to analyze the influence of fintech, financial literacy and financial management behavior on MSME performance. This study used a quantitative research design using statistical testing methods based on statistical tests.Data collection is carried out through the distribution of offline and online questionnaires to MSME players who use fintech payment methods in the form of "QRIS" spread across the Medan City area. The population in this study is all MSME actors who use the Qris application with samples selected using random sampling techniques. The number of samples used was 44 people. This study shows the following results: first, fintech has a positive effect and significance on MSME performance.second, financial literacy has a positive effect and significance on MSME performance.third, financial management behavior has no influence on MSME performance then the hypothesis.

Full Text:

Download PDF

References


Aaron, M., Rivadeneyra, F., & Samantha, F. (2017). Fintech: Is this time different? A framework for assessing risks and opportunities for central banks. Bank of Canada Staff Discussion Paper, 1.

Aribawa, D. (2016). Pengaruh literasi keuangan terhadap kinerja dan keberlangsungan UMKM di Jawa Tengah. Jurnal Siasat Bisnis, 20(1). https://doi.org/10.20885/jsb.vol20.iss1.art1

Aulia, P., Asisa, W., Dalianti, N., & Handa, Y. R. (2022). Pengaruh Pemahaman Literasi Keuangan dan Kemudahan Digital Payment Terhadap Kinerja UMKM di Kota Makassar. Jurnal DinamikA, 3(1). https://doi.org/10.18326/dinamika.v3i1.23-50

BI. (2015). Profil Bisnis Usaha Mikro, Kecil Dan Menengah (Umkm). In Bank Indonesia dan LPPI.

Esiebugie, U., Richard, A., & Emmanuel, A. (2018). Financial literacy and performance of small and medium scale enterprises in Benue State, Nigeria. International Journal of Economics, Business and Management Research, 2(4).

Fitria, I., Soejono, F., & Tyra, M. J. (2021). Literasi keuangan, sikap keuangan dan perilaku keuangan dan kinerja UMKM. Journal of Business and Banking, 11(1).

Iko Putri Yanti, W. (2019). PENGARUH INKLUSI KEUANGAN DAN LITERASI KEUANGAN TERHADAP KINERJA UMKM DI KECAMATAN MOYO UTARA. Jurnal Manajemen Dan Bisnis, 2(1). https://doi.org/10.37673/jmb.v2i1.305

Infithor, M. F. (2019). Analisis Adaptasi Pemanfaatan Teknologi Informasi Terhadap Kinerja Umkm Di Kota Malang. Jurnal Ilmiah Mahasiswa FEB UB, 7(2).

Kambwale, J. N., Chisoro, C., & Karodia, A. M. (2015). Investigation into the Causes of Small and Medium Enterprise Failures in Windhoek , Namibia. Oman Chapter of Arabian Journal of Business and Management Review, 4(7). https://doi.org/10.12816/0019074

Kasendah, B. S., & Wijayangka, C. (2019). Pengaruh Literasi Keuangan terhadap Kinerja UMKM. Almana : Jurnal Manajemen Dan Bisnis, 3(1).

Kusumadewi, N. R. (2017). Pengaruh Locus of Control dan Financial Literacy terhadap Kinerja UKM pada Pelaku UKM Desa Rawa. In Prosiding Seminar Nasional dan call for papers (Vol. 5, Issue November).

Magfirah, S. (2020). UMKM Layanan Digital. Kominfo. https://www.kominfo.go.id/content/detail/12092/pemerintah-mau-8-juta-umkm-pakai-layanan-pembayaran-digital-pada-2020/0/sorotan_media

Maysaroh, S., & Diansyah, D. (2022). Pengaruh Peer To Peer Lender (P2P) Dan Payment Gateway Terhadap Kinerja UMKM Pada Masa Pandemi Covid-19 Dengan E-commerce Sebagai Variabel Moderating. Business Management Journal, 18(2). https://doi.org/10.30813/bmj.v18i2.3021

Munizu, M., Sumardi, ., & Armayah, . (2016). Study on Determinant Factors of Micro and Small Enterprises Development in South Sulawesi of Indonesia. Mediterranean Journal of Social Sciences. https://doi.org/10.5901/mjss.2016.v7n6p121

Muzdalifa, I., Rahma, I. A., & Novalia, B. G. (2018). Peran Fintech Dalam Meningkatkan Keuangan Inklusif Pada UMKM Di Indonesia (Pendekatan Keuangan Syariah). Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 3(1). https://doi.org/10.30651/jms.v3i1.1618

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). https://doi.org/10.46799/jsss.v1i4.53

Prakoso, A. (2020). Pengaruh Literasi Keuangan terhadap Kinerja UMKM se-Eks Karesidenan Besuki. Valid Jurnal Ilmiah, 17(2).

Rahma, T. I. F. (2019). Persepsi Masyarakat Kota Medan Terhadap Penggunaan Financial Technology (Fintech). AT-TAWASSUTH: Jurnal Ekonomi Islam, 3(1).

Respati, A. R. (2023). QRIS Menjadi Mesin Pertumbuhan Pembayaran Digital. Kompas.Com. https://money.kompas.com/read/2023/11/19/203000026/qris-jadi-mesin-pertumbuhan-pembayaran-digital-

Rosliyati, A., & Iskandar, Y. (2022). Pengaruh Literasi Keungan Terhadap Kinerja UMKM Bordir Tasikmalaya. Jesya (Jurnal Ekonomi & Ekonomi Syariah), 5(1). https://doi.org/10.36778/jesya.v5i1.565

Sadalia, I., Syahyunan, & Butar-Butar, N. A. (2017). Financial Behavior and Performance on Small and Medium Enterprises in Coastal Area of Medan City. IOP Conference Series: Materials Science and Engineering, 180(1). https://doi.org/10.1088/1757-899X/180/1/012257

Sajuyigbe, D. A. S., Odetayo, T. A., & Adeyemi, A. Z. (2020). Financial Literacy and Financial Inclusion as Tools to Enhance Small Scale Businesses’ Performance in Southwest, Nigeria. Finance & Economics Review, 2(3). https://doi.org/10.38157/finance-economics-review.v2i3.164

Sanistasya, P. A., Raharjo, K., & Iqbal, M. (2019). Pengaruh Literasi Keuangan dan Inklusi Keuangan Terhadap Kinerja Usaha Kecil di Kalimantan Timur. Jurnal Economia, 15(1).

Sianipar, H. A., Gultom, B. T., & Simamora, B. A. (2022). Pengaruh Literasi Keuangan dan Lingkungan Keluarga Terhadap Perilaku Keuangan Mahasiswa. Edu Cendikia: Jurnal Ilmiah Kependidikan, 2(02). https://doi.org/10.47709/educendikia.v2i02.1729

Sidiqqoh, S. A., & Alamsyah, D. P. (2017). Peningkatan Kinerja Bisnis Usaha Mikro Melalui Kajian Komitmen Dan Abisius Pengusaha. Jurnal Ecodemica, 1(2).

Soraya, E., & Lutfiati, A. (2020). ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI LITERASI KEUANGAN. Kinerja, 2(02), 111–134. https://doi.org/10.34005/kinerja.v3i01.966

Suardana, K. A., & Musmini, L. S. (2020). Pengaruh Literasi Keuangan, Akses Permodalan Dan Minat Menggunakan E-Commerce Terhadap Kinerja Umkm Di Kecamatan Buleleng. (Jurnal Ilmiah Mahasiswa Akuntansi) Universitas Pendidikan Ganesha, 11(1).

Sugiyono. (2018). Sugiyono. 2018. Metode Penelitian Kuantitatif. Bandung: Alfabeta.Hal 57. Metode Penelitian Kuantitatif, 53(9).

Tanjung, A. A., & Muliyani. (2021). Metodologi Penelitian. Sederhana, Ringkas, Padat, dan Mudah Dipahami (I). Scopindo Media Pustaka.

Ulwiya, K. I. (2019). (2019). Pengaruh Literasi Keuangan Dan Perencanaan Keuangan Terhadap Kinerja UKM Di Jawa Timur.

Wahyudiati, D., & Isroah. (2018). PENGARUH ASPEK KEUANGAN DAN KOMPETENSI SUMBER DAYA MANUSIA (SDM) TERHADAP KINERJA USAHA MIKRO KECIL DAN MENENGAH (UMKM) DI DESA KASONGAN. Jurnal Profita: Kajian Ilmu Akuntansi, 6(2).

Zaineldeen, S., Hongbo, L., Koffi, A. L., & Hassan, B. M. A. (2020). Technology acceptance model’ concepts, contribution, limitation, and adoption in education. Universal Journal of Educational Research, 8(11). https://doi.org/10.13189/ujer.2020.081106

Zanaria, Y. (2021). Pengaruh Pemahaman Fintech Dan Inklusi Keuangan Terhadap Produktivitas UMKM Di Kota Bandar Lampung. The 4th Febenefecium: Business and Economics Conference In Utilizing of Modern Technology, 4.




DOI: https://doi.org/10.37531/sejaman.v7i1.6777

Refbacks

  • There are currently no refbacks.


Flag Counter

Creative Commons License

S E I K O : Journal of Management & Business is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
 
© All rights reserved 2018. S E I K O : Journal of Management & Business - ISSN (Print) : 2598-831X, ISSN (Online) : 2598-8301.
 

Web Analytics