PENGARUH LITERASI KEUANGAN, INKLUSI KEUANGAN, DAN FINANCIAL TECHNOLOGY TERHADAP PERILAKU KEUANGAN UMKM (Studi pada UMKM di Kabupaten Bogor, Provinsi Jawa Barat)

Rhamdina, Firzah (2024) PENGARUH LITERASI KEUANGAN, INKLUSI KEUANGAN, DAN FINANCIAL TECHNOLOGY TERHADAP PERILAKU KEUANGAN UMKM (Studi pada UMKM di Kabupaten Bogor, Provinsi Jawa Barat). S1 thesis, Universitas Mercu Buana Jakarta - Menteng.

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Abstract

Penelitian ini bertujuan untuk menguji dan menganalisis pengaruh literasi keuangan, inklusi keuangan, dan financial technology terhadap perilaku keuangan UMKM. Jenis penelitian ini adalah penelitian kuantitatif, dengan menggunakan metode kausalitas dan jenis data yang digunakan adalah data primer. Populasi dalam penelitian ini sejumlah 506.347 adalah UMKM yang berdomisili di Kabupaten Bogor, Provinsi Jawa Barat. Sampel yang dipergunakan adalah sebanyak 400 UMKM, dihitung berdasarkan rumus Slovin. Metode penarikan sampel menggunakan Random Sampling, dengan instrument penelitian adalah kuesioner yang disebar menggunakan Google Form dan diisi langsung oleh responden. Metode analisis data menggunakan Partial Least Square Structural Equation Modeling (PLS-SEM) dengan menggunakan alat analisis software SmartPLS versi 3.0. Penelitian ini membuktikan bahwa literasi keuangan berpengaruh positif dan signifikan terhadap perilaku keuangan UMKM. Inklusi keuangan berpengaruh positif dan signifikan terhadap perilaku keuangan UMKM, Financial Technology berpengaruh positif dan signifikan terhadap perilaku keuangan UMKM. Dalam penelitian ini memiliki keterbatasan, seperti ruang lingkup, jumlah variabel, dan teori penelitian. Untuk meningkatkan hasil penelitian ini, beberapa saran dapat dipertimbangkan yaitu praktisi disarankan untuk menambah variabel dan memperluas ruang lingkup penelitian. Secara teoritis, penambahan teori relevan dapat memperdalam analisis. Pemerintah, Dinas Koperasi & UMKM Kabupaten Bogor, dan OJK diharapkan mengevaluasi regulasi financial technology serta menyediakan pelatihan tentang literasi keuangan dan keamanan penggunaan financial technology untuk mendukung pertumbuhan UMKM. This study aims to test and analyze the influence of financial literacy, financial inclusion, and financial technology on the financial behavior of MSMEs. This type of research is quantitative research, using the causality method and the type of data used is primary data. The population in this study amounted to 506,347 MSMEs domiciled in Bogor Regency, West Java Province. The sample used was 400 MSMEs, calculated based on the Slovin formula. The sampling method used Random Sampling, with the research instrument being a questionnaire distributed using Google Form and filled in directly by respondents. The data analysis method uses Partial Least Square Structural Equation Modeling (PLS-SEM) using the SmartPLS version 3.0 software analysis tool. This study proves that financial literacy has a positive and significant effect on the financial behavior of MSMEs. Financial inclusion has a positive and significant effect on the financial behavior of MSMEs, Financial Technology has a positive and significant effect on the financial behavior of MSMEs. This study has limitations, such as scope, number of variables, and research theory. To improve the results of this study, several suggestions can be considered, namely practitioners are advised to add variables and expand the scope of research. Theoretically, the addition of relevant theories can deepen the analysis. The government, Bogor Regency Cooperative & MSME Agency, and OJK are expected to evaluate financial technology regulations and provide training on financial literacy and safe use of financial technology to support the growth of MSMEs.

Item Type: Thesis (S1)
NIM/NIDN Creators: 43119120112
Uncontrolled Keywords: Literasi Keuangan, Inklusi Keuangan, Financial Technology, Perilaku Keuangan, UMKM. Financial Literacy, Financial Inclusion, Financial Technology, Financial Behavior, MSMEs.
Subjects: 600 Technology/Teknologi > 650 Management, Public Relations, Business and Auxiliary Service/Manajemen, Hubungan Masyarakat, Bisnis dan Ilmu yang Berkaitan > 658 General Management/Manajemen Umum
Divisions: Fakultas Ekonomi dan Bisnis > Manajemen
Depositing User: WIDYA AYU PUSPITA NINGRUM
Date Deposited: 15 Oct 2024 02:45
Last Modified: 15 Oct 2024 02:45
URI: http://repository.mercubuana.ac.id/id/eprint/92515

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