PENGARUH INKLUSI KEUANGAN DAN FINANCIAL TECHNOLOGY TERHADAP KINERJA UMKM DI DKI JAKARTA

SILVIA, . (2025) PENGARUH INKLUSI KEUANGAN DAN FINANCIAL TECHNOLOGY TERHADAP KINERJA UMKM DI DKI JAKARTA. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Inklusi Keuangan dan Financial Technology terhadap Kinerja UMKM. Metode yang digunakan pada penelitian ini adalah metode kuantitatif. Perolehan data penelitian dilakukan dengan cara menyebarkan kuesioner kepada 100 pelaku UMKM yang tersebar di DKI Jakarta. Data dianalisis menggunakan metode Partial Least Squares Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa: (1) Inklusi keuangan Berpengaruh positif dan signifikan terhadap kinerja UMKM; (2) Inklusi keuangan berpengaruh positif dan signifikan terhadap financial technology; (3) Financial technology berpengaruh positif dan signifikan terhadap kinerja UMKM; (4) Inklusi keuangan berpengaruh positif terhadap kinerja UMKM melalui financial technology. Kata kunci: Inklusi Keuangan, Financial Technology, Kinerja UMKM *** This study aims to analyze the influence of financial inclusion and financial technology on the performance of Micro, Small, and Medium Enterprises (MSMEs). The research employed a quantitative method, with data collected through questionnaires distributed to 100 MSME actors across DKI Jakarta. The data were analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) approach. The results of the study indicate that: (1) Financial inclusion has a positive and significant effect on MSME performance; (2) Financial inclusion has a positive and significant effect on financial technology adoption; (3) Financial technology has a positive and significant effect on MSME performance; (4) Financial inclusion has a positive indirect effect on MSME performance through financial technology. Keywords: Financial Inclusion, Financial Technology, MSME Performance

Item Type:	Thesis (Sarjana)
Additional Information:	1). Prof. Dr. Harya Kuncara Wiralaga, S.E., M.Si. ; 2). Dr. Karuniana Dianta Arfiando Sebayang, S.IP., M.E.
Subjects:	Ilmu Sosial > Teori Ekonomi Ilmu Sosial > Sejarah Ekonomi, Kondisi Ekonomi Ilmu Sosial > Industri, Buruh, Produksi > Pendidikan Ekonomi
Divisions:	FE > S1 Pendidikan Ekonomi
Depositing User:	Silvia .
Date Deposited:	06 Aug 2025 02:56
Last Modified:	06 Aug 2025 02:56
URI:	http://repository.unj.ac.id/id/eprint/58118

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