Analysis of Financial Technology and Financial Literacy on Business Development in MSMEs in the Village of Cawang   East Jakarta

Anisa Bunga Putri  Pramadita; Tri  Siswantini

doi:10.55927/fjsr.v3i3.7778

Authors

Anisa Bunga Putri Pramadita Universitas Pembangunan Nasional “Veteran” Jakarta
Tri Siswantini Universitas Pembangunan Nasional “Veteran” Jakarta

DOI:

https://doi.org/10.55927/fjsr.v3i3.7778

Keywords:

Financial Technology, Financial Literacy, Business Development, MSMEs

Abstract

This research is a quantitative descriptive study which aims to determine the influence of Financial Technology and Financial Literacy on Business Development in MSMEs in the village of Cawang, East Jakarta. This research uses MSMEs in the village of Cawang, East Jakarta as research samples. The sampling technique in this research used a probability sampling technique with a random sampling method so that the sample used was 100 MSME actors in the village of Cawang, East Jakarta. The hypothesis test used is Partial Least Square (PLS) with a significance level of 5% using the help of SmartPLS 4.0 software. The research results show that that (1) financial technology influences business development, (2) financial literacy does not influence business development

Downloads

Download data is not yet available.

References

Anggareni, R. (2023). Financial Technology dan Literasi Keuangan Terhadap Perkembangan Usaha Pada UMKM di Kota Tangerang. 2(1), 62–71. https://doi.org/http://dx.doi.org/10.31000/digibis.v2i1.9323

Budyastuti, T. (2021). Pengaruh financial technology dan literasi keuangan terhadap keberlangsungan usaha. Jurnal Online Insan Akuntan, 6(Desember), 167–178. https://doi.org/https://dx.doi.org/10.51211/joia.v6i2.1541

Hilmawati, M. R. N., & Kusumaningtias, R. (2021). Inklusi Keuangan Dan Literasi Keuangan Terhadap Kinerja Dan Keberlangsungan Sektor Usaha Mikro Kecil Menengah. Nominal: Barometer Riset Akuntansi Dan Manajemen, 10(1), 135–152. https://doi.org/10.21831/nominal.v10i1.33881

Iqnatia, Y., Tias, N., & Pangestuti, D. C. (2021). Pengaruh Literasi Keuangan, Inovasi, Dan Peran Pemerintah Terhadap Pengembangan Usaha Kecil Dan Menengah. Jurnal Apresiasi Ekonomi, 9(2), 213–228. https://doi.org/10.31846/jae.v9i2.380

Kusuma, M., Narulitasari, D., & Nurohman, Y. A. (2022). Inklusi Keuangan Dan Literasi Keuangan Terhadap Kinerja Dan Keberlanjutan Umkm Disolo Raya. Among Makarti, 14(2), 62–76. https://doi.org/10.52353/ama.v14i2.210

Lestari, D. A., Purnamasari, E. D., & Setiawan, B. (2020). Pengaruh Payment Gateway terhadap Kinerja Keuangan UMKM. Jurnal Bisnis, Manajemen, Dan Ekonomi, 1(1), 1–10. https://doi.org/10.47747/jbme.v1i1.20

Maulana, R., Murniningsih, R., & Prasetya, W. A. (2022). the Influence of Financial Literacy, Financial Inclusion, and Fintech Toward Business Sustainability in Smes. Jurnal Ilmiah Manajemen, 440(4), 440–452. https://doi.org/https://doi.org/10.35145/procuratio.v10i4.2700.

Mikrad, M., Budi, A., & Fitriana, A. I. (2022). Perkembangan Umkm Dengan Financial Technology Dan Digital Marketing Sebagai Variabel Prediktor. Digital Business Journal, 1(1), 14. https://doi.org/10.31000/digibis.v1i1.6599

Ogheneogaga Irikefe, P., & Isaac Opusunju, M. (2021). Effect of Financial Literacy on the Growth of MSMEs. International Journal of Research Publications, 90(1). https://doi.org/10.47119/ijrp1009011220212541

Rusliana, N., Wardhani, D. C. L. S. W., & Fatah, R. H. A. (2022). Pemahaman literasi keuangan dan kemampuan pengelolaan keuangan terhadap pengembangan usaha umkm. 3, 130–137.

Saputra, M.H. (2022). Meningkatkan Kinerja Pemasaran: Sebuah Pendekatan Business to Business. Yogyakarta: Bintang Semesta Media

Sutrisno, Cakranegara, P. A., Asri, F., Yusuf, M., & Sahala, J. (2022). Strategy for Msme Development Using Financial Technology To. Jurnal Darma Agung, 30(2), 677–686.

Syauqi, A., Suryani, E., & Nugraha, I. N. (2023). The Effect of Financial Technology (Fintech) on the Development of SME with Financial Inclusion as a Mediation Variable: Study on SME’s Creative Economic Sector in Lombok. International Journal of Multicultural Ad Multireligious Understanding, 10(4), 683–696. http://dx.doi.org/10.18415/ijmmu.v10i4.4749

Tristiarto, Y., Wahyudi, & Siswantini, T. (2021). Analisis Peran Pemerintah , Inovasi dan Literasi Keuangan Terhadap Pengembangan Usaha Kecil dan Menengah. IKRA-ITH Ekonomika, 4(1), 143–152.

Utami, N. (2023). Analysis of the Use of Financial Technology and Financial Literacy Among MSMEs. Mbia, 22(1), 11–21. https://doi.org/10.33557/mbia.v22i1.2217

Victor, C. (2019). The Effect of Financial Literacy on the Growth of Small and Medium Enterprises : A Case study of Mbala District.

Winarto, W. W. A. (2020). Peran Fintech dalam Usaha Mikro Kecil dan Menengah (UMKM). Jesya (Jurnal Ekonomi & Ekonomi Syariah), 3(1), 61–73. https://doi.org/10.36778/jesya.v3i1.132