Aliyah, L. M., & Nurdin, N. (2019). Pengaruh layanan keuangan berbasis teknologi (fintech) terhadap literasi keuangan masyarakat Dago Atas, Bandung. Prosiding manajemen, 649-656.
Anisah, N., & Crisnata, H. F. (2021). Analisis Tingkat Literasi Keuangan Pengguna Fintech Payment OVO. JAD: Jurnal Riset Akuntansi & Keuangan Dewantara, 4(1), 46-58.
Astohar, M., Praptitorini, D., & Shobandiyah, S. (2022). The Influence of Financial Literacy and Technology-Based Financial Services on Financial Inclusion (Case Study on MSMEs in Demak Regency). Acad. Manag. buses, 1(2) 69–79.
Ayudya, A. C., & Wibowo, A. (2018). The intention to use e-money using theory of planned behavior and locus of control. Jurnal Keuangan Dan Perbankan, 22(2), 335-349.
Fitriah, F., & Ichwanudin, W. (2020). Faktor-Faktor Yang Mempengaruhi Inklusi Keuangan (Studi Pada Mahasiswa Magister Manajemen Universitas Sultan Ageng Tirtayasa). Jurnal Riset Bisnis dan Manajemen Tirtayasa, 4(2), 94-108.
Herispon, H. (2019). Financial Inclusion Approach and Theory of Planned Behavior in Debt Behavior Analysis. JEBI (Journal of Islamic Econ. and Business), 4(2), 193,
Pertiwi, U. M. (2020). Implementation of Financial Technology and Increasing Financial Literacy for MSME Business Strengthening Strategies in West Kalimantan... From Https//Postgraduate. camel. Air conditioning. Id …, 365–376.
Rohmah, R. M., & Gunarsih, T. (2021). The Influence of Financial Literacy and Fintech on Financial Inclusion in Society D. I . Yogyakarta the Effect of Financial Literature and Fintech on Financial Inclusion in the Community of Yogyakarta, Semin. Nas. UNRIYO, 219–226.
Sanistasya, P. A., Raharjo, K., & Iqbal, M. (2019). The effect of financial literacy and financial inclusion on small enterprises performance in East Kalimantan. Jurnal Economia, 15(1), 48-59.
Sari, A. N., & Kautsar, A. (2020). Analisis Pengaruh Literasi Keuangan, Financial Technology, dan Demografi terhadap Inklusi Keuangan pada Masyarakat di Kota Surabaya. Jurnal Ilmu Manajemen, 8(4), 1233-1246.
Seni, N. N. A & Ratnadi, N. M. D. (2017). Theory of Planned Behavior to Predict Investment Intentions. Ekon E-Journal. and Univ. Udayana, 12, 4043.
Sugiarti, E. N., Diana, N., & Mawardi, M. (2019). Role of Fintech in Increasing Financial Literacy in Micro, Small and Medium Enterprises in Malang. Scientific Journal of Accounting Research, 8(04).
Tan, E. & Syahwildan, M. (2022). Financial Technology and Sustainable Performance of Micro and Small Enterprises : Mediation of Financial Literacy and Financial Inclusion. J. Ilm. Manaj. and Business, 23(1), 1–22.
Winarto, W. W. A. (2020). Peran Fintech dalam Usaha Mikro Kecil dan Menengah (UMKM). Jesya (Jurnal Ekonomi Dan Ekonomi Syariah), 3(1), 61-73.
Yuliyanti, P., & Pramesti, D. A. (2021). Tercapainya Inklusi Keuangan Mampukah Dengan Literasi Keuangan Dan Financial Technology? Studi Kasus: Masyarakat Kota Magelang, Jawa Tengah. Kajian Bisnis Sekolah Tinggi Ilmu Ekonomi Widya Wiwaha, 29(2), 57-70.
Yuningsih, Y. Y., Raspati, G., & Riyanto, A. (2022). The effect of financial literacy and financial technology on the business continuity of MSME actors. Mirai Manag., 7{2), 531– 540.
- Abstract viewed - 140 times
- pdf downloaded - 130 times
Affiliations
Siti Shobandiyah
Sekolah Tinggi Ilmu Ekonomi Totalwin
Septia Kurniati
Sekolah Tinggi Ilmu Ekonomi Totalwin
Astohar Astohar
Sekolah Tinggi Ilmu Ekonomi Totalwin
How to Cite
Utilization of Financial Technology Services to Increase Business Sustainability for MSMEs in Demak Regency
Vol 12 No 4 (2023): Management Analysis Journal
Submitted: Oct 27, 2023
Published: Dec 11, 2023
Abstract
Financial technology in Indonesia is currently developing very rapidly marked by the innovation of several applications in the field of financial services such as payment instruments, loan instruments and others that are becoming known in this digital era. Several business actors such as MSMEs in Demak Regency have also utilized this financial technology (fintech) to make it easier to run businesses. The survey results show that MSMEs are still not optimal in using fintech and the level of inclusion is still relatively low. The population in this study were all UMKM in the District of Demak Regency. Collecting data using cross sectional data with the sampling method using accidental sampling. The analysis tool uses multiple step multiple regression by carrying out other tests such as the normality test, the classical assumption deviation test, the fit test and the coefficient of determination test. The results of the study show that financial literacy has a significant positive effect on financial inclusion. Fintech-based financial services have a significant positive effect on financial inclusion. Financial skills have a significant positive effect on financial inclusion. MSMEs that are able to utilize financial technology are more capable of sustainability in business.