Peran Literasi Keuangan Digital dan Financial Technology dalam Mendorong Kinerja Keuangan UMKM melalui Inklusi Keuangan sebagai Variabel Mediasi

Nidya Oktavia Kurniawati; Olivia Rahmala Iwan; Galuh Aninditiyah

doi:10.61132/jukerdi.v2i1.1500

Authors

Nidya Oktavia Kurniawati Sekolah Tinggi Ilmu Ekonomi Studi Ekonomi Modern
Olivia Rahmala Iwan Sekolah Tinggi Ilmu Ekonomi Studi Ekonomi Modern
Galuh Aninditiyah Sekolah Tinggi Ilmu Ekonomi Studi Ekonomi Modern

DOI:

https://doi.org/10.61132/jukerdi.v2i1.1500

Keywords:

Digital Financial Literacy, Financial Inclusion, Financial Performance, FinTech, MSMEs

Abstract

Transformasi digital telah mendorong usaha mikro, kecil, dan menengah (UMKM) untuk memanfaatkan layanan keuangan digital guna meningkatkan efisiensi transaksi dan kinerja keuangan. Namun, literasi keuangan digital yang terbatas dan akses terhadap layanan keuangan masih menjadi hambatan signifikan dalam mengoptimalkan pemanfaatan teknologi. Studi ini bertujuan untuk menganalisis pengaruh literasi keuangan digital dan FinTech terhadap kinerja keuangan UMKM melalui peran mediasi inklusi keuangan. Studi ini menggunakan pendekatan kuantitatif dengan desain penelitian eksploratif yang melibatkan 200 pemilik UMKM yang dipilih menggunakan purposive sampling. Data dikumpulkan melalui kuesioner skala Likert dan dianalisis menggunakan SEM-PLS. Hasil penelitian menunjukkan bahwa literasi keuangan digital dan FinTech secara positif memengaruhi inklusi keuangan dan kinerja keuangan UMKM. Inklusi keuangan juga secara positif memengaruhi kinerja keuangan dan sebagian memediasi hubungan antara literasi keuangan digital, FinTech, dan kinerja keuangan. Studi ini menyimpulkan bahwa penguatan literasi keuangan digital, optimalisasi pemanfaatan FinTech, dan perluasan inklusi keuangan secara terintegrasi merupakan strategi penting untuk meningkatkan kinerja keuangan dan keberlanjutan UMKM.

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