PENGARUH INKLUSI KEUANGAN TERHADAP PERILAKU KEUANGAN UMKM DIMEDIASI FINANCIAL TECHNOLOGY (Studi Kasus pada UMKM di Jakarta Barat)

HUDA, NURRIZAL (2024) PENGARUH INKLUSI KEUANGAN TERHADAP PERILAKU KEUANGAN UMKM DIMEDIASI FINANCIAL TECHNOLOGY (Studi Kasus pada UMKM di Jakarta Barat). S1 thesis, Universitas Mercu Buana Jakarta.

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Abstract

This research aims to determine the effect of financial inclusion on the financial behavior of MSMEs which is mediated by financial technology (fintech). The object of this research is MSMEs that run their businesses in West Jakarta. This research uses quantitative methods with primary data. Sampling was carried out using a random technique. Data collection techniques used online media questionnaires using Google Forms, and literature studies used MSME criteria with a sample size of 110 MSMEs (MSME owners). Data analysis in this research was carried out using Partial Least Square (PLS) software with the Structural Equation Modeling (SEM) model. The results of this research show that financial inclusion and financial technology (fintech) have a direct positive effect on the behavioral finance of MSMEs. Financial technology (fintech) can mediate and have a positive effect on increasing financial inclusion in MSME behavioral finance. Keywords: Financial Inclusion, Financial Technology, Behavioral Finance, Behavioral Finance of MSMEs, MSMEs Actors. Penelitian ini bertujuan untuk mengetahui pengaruh inklusi keuangan terhadap perilaku keuangan UMKM yang dimediasi oleh financial technology (fintech). Objek penelitian ini adalah pelaku UMKM yang menjalankan bisnisnya di Jakarta Barat. Penelitian ini menggunakan metode kuantitatif dengan data primer. Pengambilan sampel dilakukan dengan menggunakan teknik acak. Teknik pengumpulan data adalah dengan menggunakan kuesioner, melalui media online menggunakan Google Forms dan studi kepustakaan dengan kriteria UMKM dengan jumlah sampel 110 UMKM (pemilik UMKM). Analisis data dalam penelitian ini dilakukan dengan menggunakan software Partial Least Square (PLS) dengan model Structural Equation Modeling (SEM). Hasil penelitian ini menunjukkan bahwa inklusi keuangan dan financial technology (fintech) berpengaruh langsung positif terhadap behavioral finance UMKM. Financial technology (fintech) dapat memediasi dan berpengaruh positif meningkatkan inklusi keuangan terhadap behavioral finance UMKM. Kata kunci: Inklusi Keuangan, Financial Technology, Perilaku Keuangan, Perilaku keuangan UMKM, Pelaku UMKM

Item Type: Thesis (S1)
Call Number CD: FE/MJ. 24 226
Call Number: SE/31/24/170
NIM/NIDN Creators: 43121120063
Uncontrolled Keywords: Inklusi Keuangan, Financial Technology, Perilaku Keuangan, Perilaku keuangan UMKM, Pelaku UMKM
Subjects: 000 Computer Science, Information and General Works/Ilmu Komputer, Informasi, dan Karya Umum > 020 Library and Information Sciences/Perpustakaan dan Ilmu Informasi > 025 Operations, Archives, Information Centers/Operasional Perpustakaan, Arsip dan Pusat Informasi, Pelayanan dan Pengelolaan Perpustakaan > 025.1 Administration and Library Management/Administrasi dan Manajemen Perpustakaan > 025.11 Finance/Keuangan
600 Technology/Teknologi > 600. Technology/Teknologi
600 Technology/Teknologi > 650 Management, Public Relations, Business and Auxiliary Service/Manajemen, Hubungan Masyarakat, Bisnis dan Ilmu yang Berkaitan > 658 General Management/Manajemen Umum > 658.3 Personnel Management/Manajemen Personalia, Manajemen Sumber Daya Manusia, Manajemen SDM
Divisions: Fakultas Ekonomi dan Bisnis > Manajemen
Depositing User: khalimah
Date Deposited: 15 Jul 2024 02:00
Last Modified: 15 Jul 2024 02:00
URI: http://repository.mercubuana.ac.id/id/eprint/89530

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