PENGARUH LITERASI KEUANGAN, FINANCIAL TECHNOLOGY, DANINKLUSI KEUANGANTERHADAP KINERJA UMKMDI KABUPATEN PADANG PARIAMAN

RIRI LUSIANA, RIRI (2025) PENGARUH LITERASI KEUANGAN, FINANCIAL TECHNOLOGY, DANINKLUSI KEUANGANTERHADAP KINERJA UMKMDI KABUPATEN PADANG PARIAMAN. S2 thesis, Universitas Andalas.

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Abstract

Pengaruh Literasi Keuangan, Financial Technology, dan Inklusi Keuangan terhadap Kinerja UMKM di Kabupaten Padang Pariaman Tesis oleh Riri Lusiana (2320522061) Pembimbing Dr. Masyhuri Hamidi, SE, MSi, CFP, CRA,CRP dan Dr. Rida Rahim, SE,ME ABSTRAK Penelitian ini bertujuan untuk mengetahui Pengaruh Literasi Keuangan, Financial Technology, dan Inklusi Keuangan terhadap Kinerja UMKM di Kabupaten Padang Pariamandengan mempertimbangkan variabel kontrol gender dan total aset. Penelitian menggunakan metode kuantitatif dengan pendekatan deskriptif asosiatif. Responden penelitian berjumlah 145 pelaku UMKM yang dipilih menggunakan Non probability sampling adalah bagian dalam teknik pengambilan sampel dengan menggunakan metode purposive sampling dengan kriteria usaha mikro, kecil, menengah berdomisili di Kabupaten Padang Pariaman yang dimiliki dan dikelola masyarakat, masih berjalan sampai sekarang, dan pernah atau sedang menggunakan fasilitas pembayaran berbasis teknologi. Data primer diperoleh dari penyebaran kuesioner menggunakan Google Form ke 145 UMKM di Kabupaten Padang Pariaman. Kemudiandianalisis menggunakan Structural Equation Modeling-Partial Least Squares (SEM-PLS).Hasil penelitian menunjukkan literasi keuangan berpengaruh positif dan signifikan terhadap kinerja keuangan UMKM di Kabupaten Padang Pariaman, financial technology berpengaruh positif dan signifikan terhadap kinerja UMKM di Kabupaten Padang Pariaman, dan inklusi keuangan berpengaruh positif dan signifikan terhadap kinerja UMKM di Kabupaten Padang Pariaman.Variabel kontrol menunjukkan bahwa gender dan total aset tidak berpengaruh signifikan terhadap kinerja UMKM, hasil penelitian ini menunjukkan bahwa peningkatan kinerja UMKM di Kabupaten Padang Pariaman lebih ditentukan oleh faktor literasi keuangan, pemanfaatan financial technology, serta inklusi keuangan, sedangkan perbedaan gender maupun besarnya aset usaha tidak menjadi faktor pembeda dalam pencapaian kinerja UMKM. Kata Kunci: Literasi Keuangan, Financial Technology, Inklusi Keuangan, Kinerja UMKM, Gender, Total Aset The Effect of Financial Literacy, Financial Technology, and Financial Inclusion on MSME Performance in Padang Pariaman Regency Thesis by Riri Lusiana (2320522061) Srvisors: Dr. Masyhuri Hamidi, SE, MSi, CFP, CRA, CRP, and Dr. Rida Rahim, SE, ME ABSTRACT This study aims to determine the effect of financial literacy, financial technology, and financial inclusion on MSME performance in Padang Pariaman Regency, considering the control variables of gender and total assets. The study used a quantitative method with an associative descriptive approach. The study respondents were 145 MSMEs selected using non-probability sampling. This sampling technique used a purposive sampling method. The criteria were micro, small, and medium enterprises domiciled in Padang Pariaman Regency, owned and managed by the community, still operating, and having used or currently using technology-based payment facilities. Primary data were obtained by distributing questionnaires using Google Forms to 145 MSMEs in Padang Pariaman Regency. The analysis was then carried out using Structural Equation Modeling-Partial Least Squares (SEM-PLS).The results show that financial literacy has a positive and significant effect on the financial performance of MSMEs in Padang Pariaman Regency, financial technology has a positive and significant effect on MSME performance in Padang Pariaman Regency, and financial inclusion has a positive and significant effect on MSME performance in Padang Pariaman Regency. Control variables indicate that gender and total assets do not significantly influence MSME performance. The results of this study indicate that the improvement in MSME performance in Padang Pariaman Regency is more determined by financial literacy, the use of financial technology, and financial inclusion. While gender differences and the size of business assets are not differentiating factors in MSME performance. Keywords: Financial Literacy, Financial Technology, Financial Inclusion, MSME Performance, Gender, Total Assets

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