KINERJA KEUANGAN DAN FINANSIAL TECHNOLOGI MELALUI LITERASI KEUANGAN DAN INKLUASI KEUANGAN UMKM DI JAWA TIMUR

Authors

  • Maria Widyastuti

DOI:

https://doi.org/10.32524/jkb.v22i2.1281

Keywords:

kinerja keuangan, finansial technologi, literasi keuangan, inklusi keuangan, UMKM

Abstract

This quantitative associative study with hypothesis testing involves MSME actors in East Finansial (Malang, Gresik, Pasuruhan, Sidoarjo, and Surabaya) as the population. The sample comprises 225 MSME actors selected through purposive sampling based on the criteria: actively operating until December 2022, owners also serving as business operators, and having at least three years of business experience. This study aims to examine the effects of finansial literacy and finansial inclusion on finansial technology and finansial performance. Finansial literacy encompasses knowledge, skills, confidence, attitudes, and behaviors in finansial management. Data were collected via questionnaires and analyzed using WarpPLS 6.0. Results indicate that finansial literacy and finansial inclusion significantly affect finansial technology, and finansial literacy, finansial inclusion, and finansial technology significantly impact MSME finansial performance.

References

Banding, M. P., Ashar, Juliana, A., Azis, M. I., & Nainggolan, Y. T. (2020). Financial Technology For Smes Capital Problems. Media Ekonomi Dan Manajemen, 35(2), 150–163. Https://Www.Researchgate.Net/Publication/343672999_Financial_Technology_For_Smes_Capital_Problems_With_Crowdfunding_Method

Choo, W., & Teh, J. (2019). An Adoption Of Fintech Service In Malaysia. South East Asia Journal Of Contemporary Business, Economics And Law, 18(5), 134–147. Https://Seajbel.Com/Wp-Content/Uploads/2019/05/Seajbel5-Vol18_241.Pdf

Gardeva, A. And E. Rhyne. (2011), Opportunities And Obstacles To Financial Inclusion. Survey Report. Center For Financial Inclusion At Accion International Sciene And Education Http://Centerforfinancialinclusionblog.Files.Wordpress.Com/2011/07opportunities-And-Obstaclesto-Financial-Inclusion_110708_Final.Pdf.

Ghozali, (2009), Aplikasi Analisis Dengan Program Spss. Penerbit : Universitas Dipenogoro. Semarang

Goldstein, I., & Karolyi, G. A. (2019). To Fintech And Beyond. The Review Of Financial Studies, 32(5), 1647–1661. Https://Doi.Org/10.1093/Rfs/Hhz025

Hidayatulloh, I. (2020). Pengaruh Inklusi Keuangan, Literasi Keuangan, Dan Kemampuan Menyusun Laporan Keuangan Terhadap Kinerja Keuangan Umkm Kabupaten Tegal.

Hilmawati, M. R. N., & Kusumaningtias, R. (2021). Inklusi Keuangan Dan Literasi Keuangan Terhadap Kinerja Dan Keberlangsungan Sektor Usaha Mikro Kecil Menengah. Barometer Riset Akuntansi Dan Manajemen, 10(1).

Yoshino, N., Morgan, P. J., & Long, T. Q. (2020). Financial Literacy And Fintech Asian Development Bank Institute (Issue 1095). Https://Www.Adb.Org/Sites/Default/Files/Publication/574806/Adbi-Wp1095.Pdf

Komang Eni Candraningsih1 , Anantawikrama Tungga Atmadja1 , Desak Nyoman Sri Werastuti1 (2023) Pengujian Model Kinerja Keuangan Pada Umkm Di Kabupaten Buleleng Jimat (Jurnal Ilmiah Mahasiswa Akuntansi ) Universitas Pendidikan Ganesha Vol : 14 No : 01 Https://Ejournal.Undhiksa.Ac.Id.

Simanjuntak, Y. (2019). Pengaruh Literasi Keuangan Dan Financial Technology Terhadap Inklusi Keuangan. 4–16.

Syahdanadarma, K., Dan Hidayati, S. (2019). Determinan Kinerja Keuangan Pada Pelaku Usaha Mikro Kecil Menegah Di Kecamatan Cilandak. (1), 1712–1727.

Sugiyono. (2008). Metode Penelitian Kualitatif Kuantitatif Dan R&D. Bandung: Alfabeta.

Sutrisno. (2009), Manajemen Keuangan Teori, Konsep Dan Aplikasi, Edisi Pertama, Cetakan Ketujuh, Penerbit Ekonisia, Yogyakarta.

Solimun, Achmad, A. Dan N. (2017). Metode Statistika Multivariat Pemodelan Persamaan Struktural (Sem) Pendekatan Warppls. Ub Press.

Wahyudi, D. R. (2021). Pengaruh Literasi Keuangan Dan Inklusi Keuangan Terhadap Kinerja Keuangan Umkm Dan Kompetensi Sebagai Variabel Moderating (Studi Kasus Pada Btpn Syariah Kcp Hamparan Perak.

Winbaktianur Dan L.M Siregart (2021) Kinerja Keuangan Usaha Mikro Dan Kecil , Jurnal Akuntansi Dan Bisnis Volume 5 No 2 Pelita Bangsa Doi: Https://Doi.Org/10.37366/Akubis.V5i02.151

Downloads

Published

2024-10-30

How to Cite

Widyastuti, M. (2024). KINERJA KEUANGAN DAN FINANSIAL TECHNOLOGI MELALUI LITERASI KEUANGAN DAN INKLUASI KEUANGAN UMKM DI JAWA TIMUR . Jurnal Keuangan Dan Bisnis, 22(2). https://doi.org/10.32524/jkb.v22i2.1281

Issue

Vol. 22 No. 2 (2024): Jurnal Keuangan Dan Bisnis Volume 22, Number 2, October 2024

Section

Research Articles

License

Copyright (c) 2025 MARIA WIDYASTUTI

Creative Commons License

This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.