MUHAMMAD FARREL ADI PRATAMA, . (2026) PENGARUH PENGGUNAAN DIGITAL SUPPLY CHAIN PLATFORM TERINTEGRASI BERBASIS FINTECH & LOGISTIK DAN FINANCIAL SELF-EFFICACY TERHADAP KEBERLANJUTAN BISNIS UMKM DENGAN LITERASI DIGITAL SEBAGAI VARIABEL MODERASI. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.
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Abstract
Penelitian ini bertujuan untuk menguji pengaruh penggunaan Digital Supply Chain Platform terintegrasi berbasis fintech dan logistik (DSC) serta Financial Self-Efficacy (FSE) terhadap Keberlanjutan Bisnis UMKM, dengan Literasi Digital (DL) sebagai variabel moderasi. Penelitian dilatarbelakangi oleh pesarnya digitalisasi UMKM di Indonesia yang menghadapi tantangan integrasi sistem pembayaran, logistik, dan kesiapan finansial-digital pelakunya, sehingga determinan keberlanjutan usaha menjadi penting untuk diuji secara empiris. Penelitian menggunakan pendekatan kuantitatif eksplanatori dengan teknik survey berbasis kuesioner skala Likert. Populasi penelitian adalah pelaku UMKM ecommcerce di wilayah Jabodetabek, dengan sampel sebanyak 408 responden yang ditentukan melalui rumus Taro Yamane dan diambil menggunakan Teknik stratified random sampling proporsional. Data dianalisis menggunakan Partial Leasrt Squares-Structural Equation Modeling (PlS-SEM) dengan bantuan SmartPLS. Hasil penelitian menunjukkan bahwa DSC berpengaruh positif dan signifikan terhadap keberlanjutan Bisnis UMKM (β = 0,295; t = 5,029; p < 0,001) dan merupakan prediktor terkuat dalam model. FSE juga berpengaruh positif signifikan terhadap Keberlanjutan Bisnis UMKM (β = 0,256; t = 4,437; p < 0,001). Literasi Digital terbukti memoderasi secara positif dan signifikan pengaruh DSC terhadap Keberlanjutan Bisnis UMKM (β = 0,130; t = 2,210; p = 0,027), namun tidak terbukti memoderasi secara signifikan pengaruh FSE terhadap Keberlanjutan Bisnis UMKM (β = -0,038; t = 0,601; p = 0,548). Model penelitian mampu menjelaskan 28,6% varians (R² Adjusted = 0,2860) dengan tingkat kesesuaian model yang baik (SRMR = 0,032). Temuan ini menegaskan bahwa integrasi platform digital supply chain dan keyakinan finansial pelaku usaha merupakan fondasi penting bagi keberlanjutan UMKM, yang berdampak semakin optimal ketika didukung oleh literasi digital yang memadai. Penelitian ini memberikan implikasi bagi pelaku UMKM, perancang platform fintech dan logistik, serta pembuat kebijakan dala merancang strategi transformasi digital UMKM yang berkelanjutan. ***** This study examines the influence of using an integrated fintech and logistics-based Digital Supply Chain (DSC) platform and Financial Self-Efficacy (FSE) on MSME Business Sustainability, with Digital Literacy (DL) as a moderating variable. The study is motivated by the rapid digitalisation of Indonesian MSMEs, which still face challenges in integrating payment systems, logistics, and digital financial readiness, making it important to test the determinants of business sustainability empirically. An explanatory quantitative approach was employed using a Likert-scale questionnaire survey. The population consisted of e-commerce MSME actors in the Jabodetabek region, with a sample of 408 respondents determined using the Taro Yamane formula and selected through proportional stratified random sampling. Data were analysed using Partial Least Squares-Structural Equation Modelling (PLS-SEM) with SmartPLS software. The results show that DSC has a positive and significant effect on MSME business sustainability (β = 0.295; t = 5.029; p < 0.001) and serves as the strongest predictor in the model. FSE also has a positive and significant effect on MSME business sustainability (β = 0.256; t = 4.437; p < 0.001). Digital literacy was found to positively and significantly moderate the effect of DSC on MSME business sustainability (β = 0.130; t = 2.210; p = 0.027), but it did not significantly moderate the effect of FSE on MSME business sustainability (β = -0.038; t = 0.601; p = 0.548). The research model explains 28.6% of the variance (Adjusted R² = 0.2860) with a good model fit (SRMR = 0.032). These findings confirm that the integration of digital supply chain platforms and the financial confidence of business owners constitute a crucial foundation for MSME sustainability, yielding optimal results when supported by adequate digital literacy. This study offers implications for MSME owners, designers of fintech and logistics platforms, and policymakers in formulating strategies for sustainable MSME digital transformation.
| Item Type: | Thesis (Sarjana) |
|---|---|
| Additional Information: | 1). Prof. Dr. Ari Saptono, S.E., M.Pd.; 2). Dr. Agus Wibowo, S.Pd.I., S.Pd., M.Pd. |
| Subjects: | Ilmu Sosial > Industri, Buruh, Produksi > Pendidikan Ekonomi Ilmu Sosial > Perdagangan, e-commerce Ilmu Sosial > Kewirausahaan Manajemen > Pendidikan, Riset Penelitian Bisnis |
| Divisions: | FE > S1 Pendidikan Ekonomi |
| Depositing User: | Muhammad Farrel Adi Pratama . |
| Date Deposited: | 12 Aug 2026 04:16 |
| Last Modified: | 12 Aug 2026 04:16 |
| URI: | http://repository.unj.ac.id/id/eprint/70203 |
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