ANALISIS PERAN LITERASI KEUANGAN, FINANCIAL TECHNOLOGY, DAN INKLUSI KEUANGAN TERHADAP KINERJA UMKM DI KOTA BEKASI

SEPRITA MIA SARI, . (2025) ANALISIS PERAN LITERASI KEUANGAN, FINANCIAL TECHNOLOGY, DAN INKLUSI KEUANGAN TERHADAP KINERJA UMKM DI KOTA BEKASI. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) memiliki peran strategis dalam mendorong pertumbuhan ekonomi nasional, termasuk di Kota Bekasi yang menunjukkan peningkatan signifikan, khususnya pada sektor kuliner. Namun, tantangan seperti rendahnya literasi keuangan, kurangnya pemanfaatan teknologi finansial, dan keterbatasan akses terhadap layanan keuangan masih menjadi hambatan dalam meningkatkan kinerja UMKM. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, financial technology, dan inklusi keuangan terhadap kinerja UMKM di Kota Bekasi. Metode yang digunakan adalah kuantitatif dengan pendekatan deskriptif. Data diperoleh melalui kuesioner kepada 100 pelaku UMKM sektor kuliner dan dianalisis menggunakan metode Partial Least Square-Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh signifikan terhadap financial technology dan inklusi keuangan. Ketiganya juga terbukti memiliki pengaruh langsung maupun tidak langsung terhadap peningkatan kinerja UMKM. Kata Kunci: Literasi Keuangan, Financial Technology, Inklusi Keuangan, UMKM ***** Seprita Mia Sari, Analysis of the Role of Financial Literacy, Financial Technology, and Financial Inclusion on the Performance of MSMEs in Bekasi City. Thesis, Jakarta: Economic Education Study Program, Faculty of Economics and Business, Jakarta State University. Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in driving national economic growth, including in Bekasi City, which has shown significant growth, particularly in the culinary sector. However, challenges such as low financial literacy, underutilization of financial technology, and limited access to financial services remain obstacles to improving MSME performance. This study aims to analyze the influence of financial literacy, financial technology, and financial inclusion on MSME performance in Bekasi City. The method used was quantitative with a descriptive approach. Data were obtained through questionnaires to 100 MSMEs in the culinary sector and analyzed using Partial Least Squares-Structural Equation Modeling (PLS-SEM). The results show that financial literacy has a significant effect on financial technology and financial inclusion. All three have been shown to have both direct and indirect effects on improving MSME performance. Keywords: Financial Literacy, Financial Technology, Financial Inclusion, MSME

Item Type:	Thesis (Sarjana)
Additional Information:	1. Dr. Suparno, S.Pd, M.Pd ; 2. Fitra Dila Lestari, M.Pd
Subjects:	Ilmu Sosial > Sejarah Ekonomi, Kondisi Ekonomi Ilmu Sosial > Industri, Buruh, Produksi > Pendidikan Ekonomi
Divisions:	FE > S1 Pendidikan Ekonomi
Depositing User:	Seprita Mia Sari .
Date Deposited:	06 Aug 2025 08:08
Last Modified:	06 Aug 2025 08:08
URI:	http://repository.unj.ac.id/id/eprint/58427

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