Pengaruh Literasi Keuangan, Inklusi Keuangan, Financial Technology, dan Modal Sosial Terhadap Kinerja UMKM di Kota Surabaya
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Institusion
Sekolah Tinggi Ilmu Ekonomi Perbanas Surabaya
Author
Depina, Vanda Nor
Subject
657.042 - FINANCIAL ACCOUNTING
Datestamp
2024-03-21 03:05:20
Abstract :
In the current era of globalization, one of the steps that a country must take to improve its economy is trade, both micro and macro. Micro, Small and Medium Enterprises (MSMEs) play an important role in the economy. However, there are still many MSME players who experience delays in their development which can have a direct effect on their performance results, of course this is influenced by several factors. The purpose of this study is to analyze and find out about the effect of financial literacy, financial inclusion, financial technology, and social capital on MSME performance. The research method used is quantitative research method using primary data. Data was obtained from questionnaires distributed to MSMEs in Surabaya City. The sampling technique used was purposive sampling and 120 samples were obtained. The data was processed using Partial Least Square Structural Equation Modeling (PLS-SEM) with WarpPLS 8.0 software. Based on the results of the tests carried out, it is known that financial literacy (X1) has a path coefficient value of 0.594 and has a p-value of 0.001 <0.05, it can be concluded that the financial literacy variable has a significant effect on the performance of MSMEs. Financial inclusion (X2) has a path coefficient value of 0.094 and has a p-value of 0.146>0.05, it can be concluded that the financial inclusion variable has a significant effect on the performance of MSMEs. Financial technology (X3) has a path coefficient value of 0.177 and has a p-value of 0.023 <0.05, it can be concluded that the financial technology variable has no significant effect on MSME performance. Social capital (X4) has a path coefficient value of 0.147 and has a p-value of 0.048 <0.05, it can be concluded that the social capital variable has a significant effect on the performance of MSMEs. Keywords: Financial Literacy, Financial Inclusion, Financial Technology, Social Capital, MSME Performance
In the current era of globalization, one of the steps that a country must take to improve its economy is trade, both micro and macro. Micro, Small and Medium Enterprises (MSMEs) play an important role in the economy. However, there are still many MSME players who experience delays in their development which can have a direct effect on their performance results, of course this is influenced by several factors. The purpose of this study is to analyze and find out about the effect of financial literacy, financial inclusion, financial technology, and social capital on MSME performance. The research method used is quantitative research method using primary data. Data was obtained from questionnaires distributed to MSMEs in Surabaya City. The sampling technique used was purposive sampling and 120 samples were obtained. The data was processed using Partial Least Square Structural Equation Modeling (PLS-SEM) with WarpPLS 8.0 software. Based on the results of the tests carried out, it is known that financial literacy (X1) has a path coefficient value of 0.594 and has a p-value of 0.001 <0.05, it can be concluded that the financial literacy variable has a significant effect on the performance of MSMEs. Financial inclusion (X2) has a path coefficient value of 0.094 and has a p-value of 0.146>0.05, it can be concluded that the financial inclusion variable has a significant effect on the performance of MSMEs. Financial technology (X3) has a path coefficient value of 0.177 and has a p-value of 0.023 <0.05, it can be concluded that the financial technology variable has no significant effect on MSME performance. Social capital (X4) has a path coefficient value of 0.147 and has a p-value of 0.048 <0.05, it can be concluded that the social capital variable has a significant effect on the performance of MSMEs. Keywords: Financial Literacy, Financial Inclusion, Financial Technology, Social Capital, MSME Performance
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