PENGARUH FINANCIAL TECHNOLOGY (FINTECH), FINANCIAL INCLUSION, DAN FINANCIAL LITERACY TERHADAP KEBERLANJUTAN USAHA UMKM BERBASIS SYARIAH DENGAN FINANCIAL PERFORMANCE SEBAGAI VARIABEL MODERATING DI KOTA YOGYAKARTA TAHUN 2024

Suryani, NIM.: 22208012042 (2025) PENGARUH FINANCIAL TECHNOLOGY (FINTECH), FINANCIAL INCLUSION, DAN FINANCIAL LITERACY TERHADAP KEBERLANJUTAN USAHA UMKM BERBASIS SYARIAH DENGAN FINANCIAL PERFORMANCE SEBAGAI VARIABEL MODERATING DI KOTA YOGYAKARTA TAHUN 2024. Masters thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

[img]
Preview
Text (PENGARUH FINANCIAL TECHNOLOGY (FINTECH), FINANCIAL INCLUSION, DAN FINANCIAL LITERACY TERHADAP KEBERLANJUTAN USAHA UMKM BERBASIS SYARIAH DENGAN FINANCIAL PERFORMANCE SEBAGAI VARIABEL MODERATING DI KOTA YOGYAKARTA TAHUN 2024)
22208012042_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf - Published Version

Download (3MB) | Preview
[img] Text (PENGARUH FINANCIAL TECHNOLOGY (FINTECH), FINANCIAL INCLUSION, DAN FINANCIAL LITERACY TERHADAP KEBERLANJUTAN USAHA UMKM BERBASIS SYARIAH DENGAN FINANCIAL PERFORMANCE SEBAGAI VARIABEL MODERATING DI KOTA YOGYAKARTA TAHUN 2024)
22208012042_BAB-II_sampai_SEBELUM-BAB-TERAKHIR.pdf - Published Version
Restricted to Registered users only

Download (4MB) | Request a copy

Abstract

Business sustainability is the ability of business actors to survive in various economic conditions, which is reflected in efforts to optimize the use of non-formal financial services, especially in financial technology and financial literacy with competitive improvements. This study aims to further test the potential of financial technology, financial inclusion, and financial literacy in improving financial performance to encourage economic growth and sustainability of MSME businesses. This study uses a quantitative method with an accidental sampling technique. The population and sample in this study were MSME actors who actively use financial technology services as many as 226 MSMEs spread across the city of Yogyakarta. The data collection technique used a questionnaire with the help of the Google Form feature, by choosing answers in the form of multiple choices that were distributed to MSME business actors in the city of Yogyakarta. The data analysis technique used was the Structural Equation Model (SEM) with the Partial Least Square (PLS) alternative on the Smart PLS 3.0 measuring instrument. The results of the study showed that there was no influence between financial technology and financial inclusion on the sustainability of MSME businesses in the city of Yogyakarta, this was because MSME actors had not been able to maximize the benefits of using fintech optimally, it was seen that they only used fintech as a means of payment. Financial literacy has a positive and significant influence on the sustainability of MSME businesses in the city of Yogyakarta, this was because MSME actors already had knowledge of financial planning and management, as well as knowledge in risk management. Furthermore, for the moderation variable, namely financial performance has not been able to moderate financial technology, financial inclusion, and financial literacy on the sustainability of Micro, Small and Medium Enterprises in the city of Yogyakarta. This identifies that the financial performance of MSMEs is not optimal as a result of the implementation of technology-based finance, inclusive access to financial services, and understanding of financial literacy.

Item Type: Thesis (Masters)
Additional Information / Supervisor: Prof. Dr. Misnen Ardiansyah, S.E., M.Si., Ak., CA., ACPA
Uncontrolled Keywords: Financial Technology, Financial Inclusion, Financial Literacy, Keberlanjutan Usaha UMKM, dan Financial Performance
Subjects: 200 Agama > 297 Agama Islam > 297.273 Islam dan Ilmu Ekonomi, Perbankan Syariah, Lembaga Keuangan Syariah
Divisions: Fakultas Ekonomi dan Bisnis Islam > Ekonomi Syariah (S2)
Depositing User: Muh Khabib, SIP.
Date Deposited: 05 Feb 2025 09:17
Last Modified: 05 Feb 2025 09:17
URI: http://digilib.uin-suka.ac.id/id/eprint/69809

Share this knowledge with your friends :

Actions (login required)

View Item View Item
Chat Kak Imum