Pengaruh Literasi Keuangan Dan Financial Technology (Fintech) Terhadap Pengelolaan Keuangan UMKM Desa Pamengkang

Abstract

Micro, Small and Medium Enterprises (MSMEs) have a very important role in the Indonesian economy, especially in rural areas such as Pamengkang Village. Effective financial management is the key to MSME success. However, low financial literacy and limited access to conventional financial services are obstacles for MSMEs in the regions. In addition, developments in Financial Technology (FinTech) have opened up new opportunities for more efficient financial management. This research aims to determine the extent of the influence of financial literacy and the use of FinTech on the financial management of MSMEs in Pamengkang Village. The research method used was a survey method with a quantitative approach and data collection through questionnaires given to MSME owners in Pamengkang Village, totaling 87 respondents participating in this research. The data obtained was analyzed using multiple linear regression techniques to identify the influence of financial literacy and Fintech on MSME financial management. The research results show that financial literacy has a significant influence on the financial management of MSMEs with a calculated t value (4.655) > t table (1.989). Apart from that, FinTech also has a significant influence on the financial management of MSMEs with a calculated t value (2.979) > t table (1.989). In other words, a good understanding of financial literacy and financial technology can influence MSMEs in managing finances with a calculated F value (15.962) > F table (3.10). These findings have important implications in supporting the development of MSMEs in Pamengkang Village.