Pengaruh Literasi Keuangan dan Financial Technology terhadap pengelolaan keuangan pada pelaku UMKM di Kecamatan Candi

Abstract

MSMEs in Indonesia are the main pillars in driving current economic development influenced by various factors, with increased productivity being one of the main elements driving its growth. through the creation of products that have high selling value. The current digital era, MSME actors have a great opportunity to utilize technology as a supporting tool in their operations. However, Micro, Small and Medium Enterprises (MSMEs) who face obstacles are skilled in financial management, their business development tends to be slow or can even fail and for business actors who may not have a strong financial background. This is due to the inability to manage finances properly, which makes it difficult for them to monitor income and expenses in business. With this study, we can find out how this study examines the influence of financial literacy and financial technology (fintech) on financial management among MSME actors. This study applies secondary data and primary data obtained by distributing questionnaires. This study took a sample of 84 respondents, consisting of MSME actors in Candi sub-district, selected from 500 existing MSMEs. Data analysis was conducted using a multiple linear regression approach through the SPSS Version 27 tool. The research findings show that financial literacy has a significant influence on financial management, while financial technology (fintech) does not have a significant influence. Simultaneously, financial literacy and financial technology (fintech) are proven to have a significant influence on the financial management of MSME actors in Candi District."