Pengaruh financial technology dan literasi keuangan digital terhadap pengembangan UMKM di Fakultas Ekonomi dan Bisnis Universitas Sam Ratulangi Manado

Authors

  • Felixius Siampa Sam Ratulangi University
  • Winston Pontoh Sam Ratulangi University
  • Lidia M. Mawikere Sam Ratulangi University

DOI:

https://doi.org/10.58784/mbkk.247

Keywords:

financial technology, literasi keuangan digital, pengembangan UMKM

Abstract

This study aims to examine the influence of financial technology and digital financial literacy on the development of MSMEs at Sam Ratulangi University. This type of research is quantitative research using a descriptive approach. The sampling technique used was the random sampling method and produced 35 MSMEs as research samples from 50 MSMEs. By using data collection techniques using questionnaires. The data analysis technique in this study is multiple linear regression using the JAMOVI v2.23.28 program. The results of the study partially show that financial technology has a significant and negative effect on the development of MSMEs, digital financial literacy has a significant and positive effect and financial technology and digital financial literacy together have a significant and positive effect on the development of MSMEs at Sam Ratulangi University.

Downloads

Download data is not yet available.

References

Bidasari, Sahrir, Goso, & Hamid, R. S. (2023). Peran literasi keuangan dan literasi digital dalam meningkatkan kinerja UMKM. Owner: Riset dan Jurnal Akuntansi, 7(2), 1635-1645. https://doi.org/10.33395/owner.v7i2.1404

Budyastuti, T. (2021). Pengaruh financial technology dan literasi keuangan terhadap keberlangsungan usaha. Jurnal Online Insan Akuntan, 6(2), 167-178. https://doi.org/10.51211/joia.v6i2.1541

Davis, F. D. (1986). A technology acceptance model for empirically testing new end-user information systems: Theory and results. Doctoral Theses. Massachusetts Institute of Technology. http://hdl.handle.net/1721.1/15192

Feby, O. H. (2021). Analisis kinerja keuangan UMKM sebelum dan sesudah menerima pembiayaan Rahn Tasjily (Studi pada nasabah BMT UGT Sidogiri Capem Gisting). Undergraduate thesis. Universitas Islam Negeri Raden Intan Lampung. https://repository.radenintan.ac.id/id/eprint/16872

Garzoni, A., De Turi, I., Secundo, G., & Del Vecchio, P. (2020). Fostering digital transformation of SMEs: a four levels approach. Management Decision, 58(8), 1543–1562. https://doi.org/10.1108/MD-07-2019-0939

Khairunnisa, I., Harmadji, D. E., Ristiyana, R., Harto, B., Mekaniwati, A., Widjaja, W., Malau, N. A., Hayati, T., Fried, A. I., Purwanti, T., & Umar, M. (2022). Usaha Mikro, Kecil dan Menengah (UMKM). PT Global Eksekutif Teknologi.

Maulana, M. I., & Suyono, E. (2023). Pengaruh litersi keuangan dan literasi digital terhadap keberlanjutan bisnis pelaku UMKM Berbasis Syariah. Jurnal Ilmiah Ekonomi Islam, 9(3), 4256-4271. http://dx.doi.org/10.29040/jiei.v9i3.10856

Putri, L. P., & Christiana, I. (2021). Peran financial technology dalam membantu UMKM di tengah pandemi COVID-19. Ekonomikawan: Jurnal Ilmu Ekonomi dan Studi Pembangunan, 21(1), 57–63. https://jurnal.umsu.ac.id/index.php/ekawan/article/view/7094

Rahardjo, B., Ikhwan, K., & Siharis, A. K. (2019). Pengaruh financial technology (fintech) terhadap perkembangan UMKM di Kota Magelang. Prosiding Seminar Nasional dan Call for Paper, 347–356. https://jurnal.untidar.ac.id/index.php/semnasfe/article/view/2093

Rahmati, A. (2022). Financial technology: Antara implikasi dan inovasi (bagaimana bank syariah menyikapinya?). Perkumpulan Rumah Cemerlang Indonesia

Runtu, F., & Rengkung, C. (2023). Pencabutan PPKM dan risk-return industri pariwisata. Riset Akuntansi dan Manajemen Pragmatis, 1(2), 71–79. https://doi.org/10.58784/ramp.82

Sadalia, I., (2017). Perilaku Keuangan: Teori dan Implementasi. Pustaka Bangsa Press.

Safrianti, S., Puspita, V., Shinta, S. D., & Afriyeni, A. (2022). Tingkat financial technology terhadap peningkatan kinerja UMKM dengan variabel intervening inklusi keuangan pada pelaku UMKM Kota Bengkulu. Management and Business Review, 6(2), 212–227. https://doi.org/10.21067/mbr.v6i2.7538

Saputra, J. S., Manuho, J. J., Maunde, R., & Thomas, R. A. G. (2022). The impact of cases and death reports of COVID-19 on prices and returns. The Contrarian: Finance, Accounting, and Business Research, 1(2), 48–53. https://doi.org/10.58784/cfabr.11

Saraung, C. F. (2023). Kinerja return sektor transportasi dan logistik pasca pencabutan PPKM. Manajemen Bisnis dan Keuangan Korporat, 1(1), 23–30. https://doi.org/10.58784/mbkk.37

Syarief, F. (2020). Pengembangan dan pemberdayaan Usaha Mikro, Kecil dan Menengah (UMKM). Yayasan Barcode.

Tahir, T., Ahmad, M. I. S., Nurjannah, Rijal, S., & Hasan, M. (2021). Perilaku berwirausaha UMKM Sektor Kuliner dalam perspektif literasi digital. Proceeding Teknologi Pendidikan Seminar Daring Nasional 2021: Digital Generation for Digital Nation, 1(8), 144–154. https://ojs.unm.ac.id/tekpend/article/view/22621

Tony, N., & Desai, K. (2020). Impact of digital financial literacy on digital financial inclusion. International Journal of Scientific and Technology Research, 9(1), 1911–1915. https://www.ijstr.org/final-print/jan2020/Impact-Of-Digital-Financial-Literacy-On-Digital-Financial-Inclusion.pdf

Wahyuni, S., Armiani, A., Setiawati, E., & Pirdaus, I. (2024). Pengaruh Financial Technology, Media Sosial, E-Commerce, dan Google My Business terhadap peningkatan pendapatan UMKM. Kompeten: Jurnal Ilmiah Ekonomi dan Bisnis, 2(4), 731–745. https://doi.org/10.57141/kompeten.v2i4.94

Wicaksono, S. R. (2021). Teori dasar technology acceptance model. CV. Seribu Bintang.

Zakkiyah, A. M., Fadah, I., Paramu, H., & Awwaliyah, I. N. (2023). Literasi (Keuangan, Informasi Digital dan Keuangan Digital). UM Jember Press.

Downloads

Published

2024-11-18

How to Cite

Siampa, F., Pontoh, W., & Mawikere, L. M. (2024). Pengaruh financial technology dan literasi keuangan digital terhadap pengembangan UMKM di Fakultas Ekonomi dan Bisnis Universitas Sam Ratulangi Manado . Manajemen Bisnis Dan Keuangan Korporat, 2(2), 339–349. https://doi.org/10.58784/mbkk.247

Issue

Vol. 2 No. 2 (2024)

Section

Articles

License

Copyright (c) 2024 Felixius Siampa, Winston Pontoh, Lidia M. Mawikere

Creative Commons License

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

Under this license then authors free to:

  • Share - copy and redistribute the material in any medium or format.
  • Adapt - remix, transform, and build upon the material for any purpose, even commercially.

The licensor cannot revoke these freedoms as long as you follow the license terms.

Under the following terms:

  • Attribution - You must give appropriate credit, provide a link to the license, and indicate if changes were made. You may do so in any reasonable manner, but not in any way that suggests the licensor endorses you or your use.
  • No additional restrictions - You may not apply legal terms or technological measures that legally restrict others from doing anything the license permits.


Notices:

  • You do not have to comply with the license for elements of the material in the public domain or where your use is permitted by an applicable exception or limitation.
  • No warranties are given. The license may not give you all of the permissions necessary for your intended use. For example, other rights such as publicity, privacy, or moral rights may limit how you use the material.