PENGARUH DIGITAL FINANCIAL LITERACY DAN DUKUNGAN PEMERINTAH TERHADAP KINERJA KEUANGAN UMKM SEKTOR RITEL DI KOTA PADANG DENGANADOPSIDIGITAL PAYMENTSEBAGAI VARIABEL MEDIASI

FADHILLATUL HIDAYATI, FADHILLATUL HIDAYATI (2026) PENGARUH DIGITAL FINANCIAL LITERACY DAN DUKUNGAN PEMERINTAH TERHADAP KINERJA KEUANGAN UMKM SEKTOR RITEL DI KOTA PADANG DENGANADOPSIDIGITAL PAYMENTSEBAGAI VARIABEL MEDIASI. S2 thesis, Universitas Andalas.

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Abstract

Pengaruh Digital Financial Literacy dan Dukungan Pemerintah terhadap Kinerja Keuangan UMKM Sektor Ritel di Kota Padang dengan Adopsi Digital Payment sebagai Variabel Mediasi Tesis oleh Fadhillatul Hidayati Pembimbing 1: Prof. Dr. Tafdil Husni, S.E., M.B.A. Pembimbing 2: Dr. Fajri Adrianto, S.E., M.Bus (Adv) ABSTRAK Penelitian ini bertujuan untukmenentukan pengaruhdigital financial literacydan dukungan pemerintahterhadap kinerja keuangan UMKM sektor ritel di Kota Padang dengan adopsi digital payment sebagai variabel mediasi.Digital payment yang dimaksud dalam penelitian ini meliputi penggunaan e-wallet dan QRIS. Jenis penelitianadalah kuantitatif dengan teknik pengambilan sampel non-probability dan purposive sampling. Terdapat 100 responden yangdiperoleh melalui penyebaran kuesioner menggunakan Google Form kepada pelaku UMKM sektor ritel di Kota Padang yang telah mengadopsi digital payment.Analisis dataakan dilakukan dengan metodeStructuralEquation Modeling - Partial Least Square (SEM-PLS) dengan perangkat lunak SmartPLS versi 4.0. Hasil penelitian menunjukkan bahwa digital financial literacy dan dukungan pemerintah berpengaruh positif dan signifikan terhadap adopsi digital payment. Selain itu, digital financial literacy, dukungan pemerintah, dan adopsi digital payment berpengaruh positif dan signifikan terhadap kinerja keuangan. Selanjutnya, hasil pengujian pengaruh mediasi menunjukkan bahwa adopsi digital payment berpengaruhsignifikan dalam memediasi hubungan antara digital financial literacy dan kinerja keuangan. Namun demikian, adopsi digital payment tidak berpengaruh signifikan sebagai variabel mediasi dalam hubungan antara dukungan pemerintah dan kinerja keuangan, yang mengindikasikan bahwa pengaruh dukungan pemerintah terhadap kinerja keuangan lebih dominan melalui jalur langsung dibandingkan melalui mekanisme adopsi digital payment. Kata Kunci: Digital Financial Literacy, Dukungan Pemerintah, Adopsi Digital payment, Kinerja Keuangan ii The Influence of Digital Financial Literacy and Government Support on the Financial Performance of Retail MSMEs in Padang City with Digital Payment Adoption as a Mediating Variable Thesis by Fadhillatul Hidayati Supervisor 1: Prof. Dr. Tafdil Husni, S.E., M.B.A. Supervisor 2: Dr. Fajri Adrianto, S.E., M.Bus (Adv) ABSTRACT This study aims to determine the influence of digital financial literacy and government support on the financial performance of retail MSMEs in Padang City, with digital payment adoption as a mediating variable. Digital payments referred to in this study include the use of e-wallets and QRIS. The research type is quantitative with non-probability and purposive sampling techniques. There are 100 respondents obtained through the distribution of questionnaires using Google Forms to retail MSMEs in Padang City who have adopted digital payments. Data analysis will be conducted using the Structural Equation Modeling - Partial Least Square (SEM-PLS) method with SmartPLS software version 4.0. The results of the study indicate that digital financial literacy and government support have a positive and significant effect on digital payment adoption. In addition, digital financial literacy, government support, and digital payment adoption have a positive and significant effect on financial performance. Furthermore, the results of the mediation effect test indicate that digital payment adoption has a significant effect in mediating the relationship between digital financial literacy and financial performance. However, the adoption of digital payments does not have a significant effect as a mediating variable in the relationship between government support and financial performance, which indicates that the influence of government support on financial performance is more dominant through direct channels than through the digital payment adoption mechanism. Keywords: Digital Financial Literacy, Government Support, Digital Payment Adoption, Financial Performance

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