Tingkat financial technology terhadap peningkatan kinerja UMKM dengan variabel intervening inklusi keuangan pada pelaku UMKM Kota Bengkulu

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Published: Dec 27, 2022
DOI: https://doi.org/10.21067/mbr.v6i2.7538
Keywords:
Financial technology, financial inclusion, MSME performance

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Sintia Safrianti
Universitas Prof Dr Hazairin, SH, Indonesia
Veny Puspita
Universitas Prof Dr Hazairin, SH, Indonesia
Seftya Dwi Shinta
Universitas Prof Dr Hazairin, SH, Indonesia
Afriyeni Afriyeni
Sekolah Tinggi Ilmu Ekonomi KBP, Indonesia

Abstract

This study examines the effect of financial technology on improving the performance of Micro, Small and Medium Enterprises (MSMEs) with intervening variables of financial inclusion in MSMEs. Using data panels and PLS-SEM analysis. The samples were 90 MSMEs of Bengkulu City using the purposive sampling method. The data collection technique used is questionnaires. The results of this research on direct effect analysis found that financial technology affects the performance of MSMEs, financial technology affects financial inclusion, and financial technology has no effect on financial inclusion. In the indirect effect analysis, the results showed that financial inclusion does not intervene in the influence of financial technology on the performance of MSMEs.

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Safrianti, S., Puspita, V., Shinta, S. D., & Afriyeni, A. (2022). Tingkat financial technology terhadap peningkatan kinerja UMKM dengan variabel intervening inklusi keuangan pada pelaku UMKM Kota Bengkulu. MBR (Management and Business Review), 6(2), 212–227. https://doi.org/10.21067/mbr.v6i2.7538
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Vol. 6 No. 2 (2022): Desember
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Articles
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This work is licensed under a Creative Commons Attribution 4.0 International License.

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