Analysis of Financial Technology, Financial Literacy, Financial Attitudes, on Mediated Business Performance Financial Inclusion and Self-Efficiency in Small Medium Industry (SMI) in Malang City, Indonesia (original) (raw)
Related papers
Journal of Social Economics Research
The purpose of this study is to determine the relationship between financial literacy, financial technology, and financial inclusion and the business performance of SMEs in Malang Raya, Indonesia. Looking at various cases related to financial progress, all of which are turning to technology to ensure time efficiency, there is a need for further development related to research on financial technology, and financial inclusion for SMEs' business performance in Malang Raya. The analysis in this study used bibliometrics and PLS. Bibliometrics is used to find relationships that will later become new things. Before the bibliometric analysis, this research looked for references to research through Publish or Perish, so more than 200 reputable journals based on electronics were found in accordance with this study. Furthermore, filters related to the scope are more specifically related to financial technology and the inclusion of SMEs' performance. So fintech is being discovered as a ...
Jurnal Manajemen Universitas Bung Hatta
Business performance and business sustainability are crucial for business owners to achieve their targets. The business performance and sustainability of micro, small, and medium enterprises (MSMEs) contribute positively to the country's economy. When compared to large companies, MSMEs employ the most people. MSMEs more significantly influence the Gross Domestic Product (GDP) growth or development. MSMEs are the backbone of a nation's economy, increasing employment possibilities. The worst issue is the decline in annual sales and potential economic headwinds brought on by dropping commodity prices. This study aims to analyze the influence of financial literacy, financial management, and financial technology on business performance and the sustainability of MSMEs in Sumatra. This study was designed using a quantitative approach and questionnaire survey of MSME owners in Sumatra, Indonesia. A simple random sampling technique is used. The data were analyzed using a structural e...
International Journal of Business Management and Economic Review
The purpose of this study was to determine the effect of fintech on the financial performance of Micro, Small and Medium Enterprises (MSMEs) with financial literacy as a moderating variable. The population in this study were all MSMEs in the traditional Balinese culinary sub-sector in the Sarbagita area. The sampling technique used in this study is non-probability sampling where the data used is in the form of primary data obtained from the results of questionnaires distributed to MSMEs in the Sarbagita area. The data analysis method used is the Structural Equation Model (SEM) based on Partial Least Square (PLS). The results in this study are Financial technology (Fintech) has a positive effect on financial performance and financial literacy strengthens the positive influence of financial technology (Fintech) on financial performance. Fintech as a form of innovation in the financial sector has proven to be able to improve the financial performance of traditional culinary SMEs in the...
FINANCIAL LITERACY: AN ESSENTIAL IN SMALL MEDIUM ENTREPRISES (SMEs) PERFORMANCE
Manajemen Bisnis, 2020
This study aims to examining the effect of financial literacy on the performance of Small and Medium Enterprises (SMEs) in Malang. This explanatory study was conducted in Sukun District, Malang City. The population was SMEs that located in Sukun District, Malang City which were selected using proportionate stratified random sampling with the total number of 220 samples. The study used descriptive quantitative design with primary data as the data source. The data was analyzed using Smart Partial Least Square (PLS) 3.3 Version with hypothesis tested using Bootstrap. The results of this study indicate that: 1) the financial literacy of the SMEs in Sukun District, Malang City was at a good literacy level which is Sufficient Literate; 2) the Small and Medium Enterprises in Sukun District has a good level of business performance; and Analysis of Smart PLS shows that financial literacy has a positive and significant effect on the performance of Small and Medium Enterprises in Sukun Distric...
The Effect of Financial Literacy and Financial Experience on SME Financial Behavior in Indonesia
Jurnal Dinamika Manajemen, 2019
The aim of this study is to examine the effect of financial literacy and financial experience on SMEs financial behavior in Indonesia.The dependent variable is financial behavior while independent variables are financial literacy and financial experience. There are four control variables used, namely company size, business length, age and education level of SME owner. The respondent sample is 42 owners of SMEs in Purwokerto Selatan. This study used multiple regression analysis. The results showed that financial literacy has no effect on financial behavior. Financial experience has a positive effect on financial behavior. While among four control variables, only company size has a significant negative effect on financial behavior. Three control variables have no significant effect on financial behavior. The implication of this study, SME owners have good financial experience will increase financial behavior. Therefore, it is very important to improve the financial experience of SME o...
The Effect of Financial Technology on Financial Inclusion SMEs in Palembang City
2021
The urgent of study is to optimize of the use of financial technology and to expansive of financial inclusion. The purpose of this study was to determine and analyze the effect of financial technology on financial inclusion, the object of research was conducted on SMEs in Palembang City. The population used was 287 SMEs in Palembang City. The sample used was 74 people. The data collection method used a questionnaire. The analysis technique uses statistical tests through hypothesis testing, the coefficient of determination, and simple linear regression. Based on the results of the study, the results of the linear regression test showed that there was a positive and significant relationship between financial technology and financial inclusion. Hypothesis test results indicate that the financial technology variable has an influence on financial inclusion. Demographic factors of respondents such as productive age and having an undergraduate educational background with business ownership...
International Journal of Economic Research and Financial Accounting (IJERFA)
This study aims to analyze the effect of financial inclusion, financial literacy, and financial behavior on company performance in the MSME study in Makassar. Company performance is an achievement (result) obtained through human resources with the division of activities in the form of tasks, roles and responsibilities to achieve company goals. Seeing the potential of micro, small and medium enterprises which are very promising but neglecting financial management is the phenomenon behind this research. This study uses an associative approach. The population and samples are 30 micro, small and medium enterprises in Makassar City. The research data is primary data from respondents which are then analyzed using multiple linear regression techniques. The results of the study using multiple linear regression show that financial inclusion has no significant and positive effect on company performance. Financial literacy has a significant and positive effect on company performance. Financial...
Analysis of Financial Indicator Literacy Determinants on The Performance of Bandung City SMEs
International Journal of Current Science Research and Review
Bandung is a city in Indonesia that is active in promoting innovation, business creation, and mentoring small businesses. One of the efforts is to provide mentors to develop MSME businesses. In addition, Bandung City also holds various business coaching programs for MSME actors. Thus, MSMEs in Bandung City can develop their business better. There are many problems faced by MSMEs, but one of the problems they often convey is related to how to manage business finances. Many of them do not understand how to manage their business finances because their financial literacy is still low. This is in accordance with the results of the 2022 National Financial Literacy and Inclusion (SNLIK) survey conducted by the Financial Services Authority (OJK), the financial literacy index of MSME players in Indonesia in 2022 is 38.32 percent. After analyzing the data collected by distributing questionnaires to see financial literacy, especially MSME actors registered in the city of Bandung, it was found ...
International Journal of Economics and Financial Issues, 2017
The aim of this research is to analyse the success of small and medium enterprises (SME) that are mediated by financial inclusion of business players and the role of financial inclusion in increasing the success of SME. The unit analysis of this research is the small and medium business players, the stone craftsmen in Magelang Regency, Central Java, Indonesia. The data used in this research are primary data obtained from questionnaires distribution to 76 stone craftsmen. Partial least square program is used as data processing tool. Internal and external factors a significant positive effect on the success of SME of stone craftsmen in Magelang Regency, Indonesia. Financial inclusion of business players is able to mediate the determinants of the success of SME.
INTERNATIONAL JOURNAL OF RESEARCH AND INNOVATION IN SOCIAL SCIENCE (IJRISS) , 2023
This study examines the effect of financial inclusion and financial technology on the performance of SMEs in Ekiti State. The study adopted descriptive survey research and covered all the registered 928 SMEs in Ekiti State, Nigeria; out of which 282 SMEs were sampled across the senatorial district in Ekiti State. A close-ended questionnaire was used to elicit the needed information from the sampled respondents across the study location. Pearson correlation and simple linear regression were used to analyze the responses of the respondents. However, before the administration of the instrument, validity and reliability of the instrument were carried out. It was discovered that there is a positive significant effect of availability of financial services on the performance of SMEs in Ekiti State proxied with customer satisfaction and profitability to the tune of 0.608 (p=0.036<0.05) for customer satisfaction and 0.384(p=0.002<0.05) for profitability. Also, it was revealed that a positively significant relationship exists between financial literary programs and customer satisfaction and profitability of SMEs in Ekiti State to the tune of 0.485 (p=0.042<0.05) and 0.841 (p=0.022<0.05) respectively. Furthermore, it was revealed that there is a positive significant effect of point of sales (POS) on the performance of SMEs measured with customer satisfaction and profitability in Ekiti State to the tune of 0.625 (p=0.017<0.05) for customer satisfaction and 0.434 (p=0.048<0.05) for profitability. From the findings made, it was concluded that both financial inclusion and technology contribute significantly to the performance of SMEs in Ekiti State. Based on the findings, it is therefore recommended that the owners of SMEs should engage themselves in financial literary programs.