PENGARUH LITERASI KEUANGAN TERHADAP KINERJA UMKM DENGAN TEKNOLOGI KEUANGAN SEBAGAI VARIABEL MEDIASI

Nur Hamidah(1*)

(1) 
(*) Corresponding Author

Abstract


UMKM semakin berkembang dan bersaing dalam lingkungan bisnis yang terus berubah seperti saat ini di era digital, maka perlu dilakukan pemantauan dan pemahaman terhadap kinerja perusahaan untuk mencapai tingkat bisnis yang lebih baik dari sebelumnya, dan untuk mengetahui sejauh mana bisnis yang dijalankan tepat sasaran. Penelitian ini bertujuan untuk menganalisis dan menguji pengaruh literasi keuangan terhadap Kinerja UMKM. Variabel intervening yaitu fintech (financial technology) juga berpengaruh positif terhadap Kinerja UMKM. Penentuan sampel menggunakan probability sampling dengan teknik proportional random sampling kemudian simpel random sampling. Jumlah sampel yang digunakan adalah 286 sampel UMKM di Kota Depok. Sumber data primer diambil dengan menggunakan metode survei dengan kuesioner. Desain penelitian menggunakan metode analisis statistik deskriptif dan parametrik dengan SmartPLS. Hasil penelitian ini adalah literasi keuangan terhadap kinerja UMKM dengan fintech (financial technology) sebagai variabel intervening berpengaruh positif dan signifikan

Keywords


Literasi Keuangan, Kinerja, Fintech

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References


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DOI: http://dx.doi.org/10.30998/jabe.v10i4.23513

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