Pengaruh Financial Technology dan Literasi Keuangan terhadap Keberlangsungan Usaha
Abstract
Micro, Small and Medium Enterprises (MSMEs) have a big role as an effort to increase economic development in Indonesia, economic growth and open up new jobs. The going concern of a company is the main objective of a business entity since the establishment of the business entity. The survival of a business entity is closely related to how management manages the company, both from financial and non-financial factors.This study aims to examine the effect of financial technology (fintech) and financial literacy on the business sustainability of micro, small and medium enterprises (MSMEs) in East Sudimara Village. The population in this study were all assisted MSMEs registered in East Sudimara Village. Researchers used the saturated sample method, in which the population was sampled. The primary data collection method used is a questionnaire method. The data analysis technique used in this study is multiple regression analysis techniques with a test instrument using PLS 3.0.
The results of the study show that there is no influence of fintech and financial literacy on business continuity. This gives a signal to the government as a regulator, academics as educators, the private sector as a catalyst, and the community as a driver to socialize and develop fintech and financial literacy in MSMEs in East Sudimara Village in particular.
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https://nasional.kontan.co.id/news/literasi-keuangan-digital-di-indonesia-baru-355
Azwar. Saifuddin, 2005, “Sikap Manusia Teori dan Pengukurannyaâ€, Yogyakarta: Pustaka Pelajar
Aribawa, D. (2016). PENGARUH LITERASI KEUANGAN TERHADAP KINERJA DAN KEBERLANGSUNGAN UMKM DI JAWA TENGAH. Jurnal Siasat Bisnis, 20 No, 1.
A Yani Rahayu. Pengaruh Literasi Keuangan Terhadap Kinerja Dan Keberlanjutan Umkm Di Kota Surabaya Jurnal Ilmu Manajemen (Jim), 2017 -Jurnalmahasiswa.Unesa.Ac.Id
Billion, A. (2016). FinTech for micro , small and medium sized enterprises. ING Economic Department, (October).
CNBC Indonesia, 2018, “Ini Dia Empat Jenis Fintech di Indonesiaâ€, https://www.cnbcindonesia.com/fintech/20180110145800-37-1126/ini-dia-empatjenis-fintech-di-indonesia/, Diakses 13-10-2018
Cooper. Donald dan Schindler, 2017, “Metode Penelitian Bisnis†Edisi Dua Belas Buku Satu. Jakarta: Salemba Empat
Cravo, Tulio A., Adrian Gourlay, dan Bettina Becker. (2010). “SME and Regional Economic Growth in Brazilâ€. Department of Economics Loughborough University Discussion Paper
Finansialku.com, 2018, “Definisi Fintechâ€, https://www.finansialku.com/definisi-fintech-adalah/. Diakses 13-10-2018
FSB, 2017, “Financial Stability Implications from Fintechâ€, http://www.fsb.org/wp-content/uploads/R270617.pdf/. Diakses 12-10-2018
Mikkael, Reimond Hasangapan, Touana, H., & Takrim, M. (2020). PkM pelatihan peningkatan usaha mikro dalam mewujudkan smart business melalui smartphone di masa pandemi Covid-19. Yumary: Jurnal Pengabdian Kepada Masyarakat, 1(1), 35–40. https://doi.org/https://doi.org/10.35912/jpm.v1i1.75.
Ghozali.imam, (2015) Partial Least Squares Konsep, Teknki dan Aplikasi Menggunakan Program Smartpls 3.0. Universitas Diponegoro Semarang
Idawati, I. A. A., & Pratama, I. G. S. (2020). Pengaruh Literasi Keuangan Terhadap Kinerja dan Keberlangsungan UMKM di Kota Denpasar. Warmadewa Management and Business Journal (WMBJ), 2(1), 1–9. https://doi.org/10.22225/wmbj.2.1.1644.1-9
Koinwork.com, 2018, “Semua yang Perlu Anda Ketahui Tentang Peer to Peer Lending (P2PLendingâ€.https://koinworks.com/blog/ketahui-tentang-peer-peer-lending/. Diakses 13-10-2018
Luckandi. Diardo, 2018, “Analisis Transaksi Pembayaran Menggunakan Fintech Pada
UMKM di Indonesia: Pendekatan Adaptive Structuration Theoryâ€, Tesis. Universitas Islam Indonesia
Manurung. Adler H dan Rizky. Lutfi T, 2009. “Succesful Financial Planner: A Complete Guideâ€, Jakarta: Grasindo
Masitoh w, Endang. widayanti, R. (2015). Pengaruh Sosialisasi, Tingkat Pemahaman, Motivasi, Kepribadian Terhadap Penerapan SAK ETAP Di Kampoeng Batik Laweyan Solo. Jurnal Paradigma, 12.
Mitchell, O. S., Lusardi, A., & Curto, V. (2011). Financial Literacy Among the Young: Evidence and Implications for Consumer Policy. SSRN Electronic Journal, 1–35. https://doi.org/10.2139/ssrn.1459141
Muzdalifa, I., Rahma, I. A., & Novalia, B. G. (2018). Peran Fintech Dalam Meningkatkan Keuangan Inklusif Pada UMKM Di Indonesia (Pendekatan Keuangan Syariah). Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 3(1). https://doi.org/10.30651/jms.v3i1.1618
Rahardjo, B., Khairul, I., & Siharis, A. K. (2019). Pengaruh Financial Technology (Fintech) Terhadap Perkembangan UMKM di Kota Magelang. Prosiding Seminar Nasional Dan Call For Papers, Fakultas Ekonomi Universitas Tidar, 347–356.
Otoritas Jasa Keuangan, 2020, “Penyelenggara Fintech yang Terdaftar di OJK per Agustus 2020â€. https://www.ojk.go.id/id/kanal/iknb/financial-
technology/Pages/Penyelenggara-Fintech-Terdaftar-dan-Berizin-di-OJK-per-5-Agustus-2020.aspx
Siamsyah. Dhoni, 2016, “Mendorong Crowdfunding untuk Peningkatan Investasi di
Indonesiaâ€http://www.kemenkeu.go.id/. Diakses 06-07-2019
Sugiyono. (2016). Metode Penelitian Kuantitatif, Kualitatif dan R&D. Bandung: Alfabeta
Undang –Undang Nomor 20 Tahun 2008 tentang UMKM
Mikkael, R. H. (2017). ANALISIS PENERAPAN E-FAKTUR DAN KETEPATAN WAKTU PELAPORAN TERHADAP EFEKTIVITAS PERPAJAKAN PT. INTERNASIONAL SUKSES ABADI. PUBLIK: Jurnal Ekonomi Dan Publik, 13(1), 29–42. http://jurnal.stie-banten.ac.id/index.php/publik/article/view/76.
Wibowo. Budi, 2016, “Analisa Regulasi Fintech dalam Membangun Perekonomian di
Indonesia†Program Magister Teknik Elektro. Universitas Mercu Buana
Wulansari, Wahyu dan Kurniawan, 2017, “Akselerasi Pertumbuhan Ekonomi Melalui Sinergi UMKM dan Good Governance di Indonesiaâ€, Prosiding Seminar Nasional dan Call For Paper Ekonomi dan Bisnis. Universitas Jember.
Yunus, Hadi Sabari. 2010. Metodologi Penelitian Wilayah Kontemporer. Yogyakarta: Pustaka Pelajar.
https://nasional.kontan.co.id/news/literasi-keuangan-digital-di-indonesia-baru-355
Published
2021-11-09
How to Cite
BUDYASTUTI, Triyani.
Pengaruh Financial Technology dan Literasi Keuangan terhadap Keberlangsungan Usaha.
JURNAL ONLINE INSAN AKUNTAN, [S.l.], v. 6, n. 2, p. 167-178, nov. 2021.
ISSN 2528-0163.
Available at: <http://ejournal-binainsani.ac.id/index.php/JOIA/article/view/1541>. Date accessed: 08 sep. 2024.
doi: https://doi.org/10.51211/joia.v6i2.1541.
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Articles
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