KINERJA UMKM DIPENGARUHI OLEH FINTECH DAN LITERASI KEUANGAN DIMEDIASI OLEH PERILAKU MANAJEMEN KEUANGAN
DOI:
https://doi.org/10.51195/iga.v16i1.94Keywords:
Financial Technology, Literasi Keuangan, Perilaku Manajemen, KeuanganAbstract
Penelitian ini bertujuan untuk menguji pengaruh Financial Technology dan Literasi Keuangan terhadap Kinerja UMKM, dengan Perilaku Manajemen Keuangan sebagai variabel mediasi. Studi ini difokuskan pada UMKM yang bergerak di sektor makanan dan minuman (F&B) di wilayah Pontianak. Penelitian menggunakan pendekatan kuantitatif dengan data primer sebagai sumber utama. Populasi dalam penelitian ini adalah pelaku UMKM F&B di Pontianak, dan teknik pengambilan sampel dilakukan secara purposive sampling, sehingga diperoleh total 100 responden yang memenuhi kriteria. Analisis data dilakukan menggunakan metode Partial Least Square (PLS) dengan bantuan perangkat lunak SmartPLS versi 4.0. Hasil pengujian menunjukkan bahwa seluruh variabel dalam model penelitian memiliki pengaruh positif dan signifikan, sehingga seluruh hipotesis yang diajukan dinyatakan diterima. Temuan utama dari penelitian ini menunjukkan bahwa variabel literasi keuangan memiliki pengaruh paling dominan terhadap perilaku manajemen keuangan pelaku UMKM. Sebaliknya, pengaruh paling lemah ditemukan pada hubungan antara Financial Technology terhadap Kinerja UMKM yang dimediasi oleh Perilaku Manajemen Keuangan, yang menunjukkan bahwa peran mediasi dalam konteks ini tidak terlalu kuat
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