Pengaruh Keputusan Keuangan, Fintech, dan Inklusi Keuangan terhadap Kinerja UMKM

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Published: Apr 30, 2025
DOI: https://doi.org/10.24912/jmk.v7i2.33908
Keywords:
efisiensi fintech, pengambilan keputusan keuangan, inklusi keuangan, kinerja umkm, fintech efficiency, financial decision-making, financial inclusion, msme performance
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Harbert Harbert
Universitas Tarumanagara
Agus Zainul Arifin
Universitas Tarumanagara

Abstract

UMKM merupakan tulang punggung perekonomian Indonesia yang berperan strategis dalam menciptakan lapangan kerja dan mendorong pertumbuhan ekonomi. Penelitian ini bertujuan membuktikan pengaruh efisiensi penggunaan fintech, pengambilan keputusan keuangan, dan inklusi keuangan terhadap kinerja UMKM.Penelitian ini dilakukan pada UMKM di Jabodetabek menggunakan metode PLS-SEM. Hasil penelitian menunjukkan bahwa efisiensi penggunaan fintech secara signifikan meningkatkan kinerja UMKM melalui pengurangan biaya operasional dan peningkatan aksesibilitas layanan keuangan. Pengambilan keputusan keuangan yang berbasis analisis risiko berkontribusi pada alokasi modal yang lebih efisien, sementara inklusi keuangan terbukti memperluas akses UMKM ke layanan perbankan formal, mendukung pertumbuhan dan inovasi usaha, ditemukan memediasi Hasil penelitian menunjukkan bahwa efisiensi penggunaan fintech berpengaruh positif dan signifikan terhadap kinerja UMKM. Pengambilan keputusan keuangan juga berpengaruh positif dan signifikan terhadap kinerja UMKM. Namun, inklusi keuangan tidak berpengaruh signifikan terhadap kinerja UMKM.

Micro, Small, and Medium Enterprises (MSMEs) are the backbone of Indonesia's economy, playing a strategic role in creating employment and driving economic growth. This study aims to examine the impact of fintech efficiency, financial decision-making, and financial inclusion on MSME performance. The research focuses on MSMEs in the Jabodetabek area, employing the PLS-SEM method. The results reveal that fintech efficiency has a positive and significant impact on MSME performance by reducing operational costs and improving access to financial services. Financial decision-making based on risk analysis also has a positive and significant impact, supporting more efficient capital allocation. However, financial inclusion does not significantly affect MSME performance,

Article Details

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Vol. 7 No. 2 (2025): Jurnal Manajerial dan Kewirausahaan
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Author Biographies

Harbert Harbert, Universitas Tarumanagara

Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Tarumanagara Jakarta

Agus Zainul Arifin, Universitas Tarumanagara

Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Tarumanagara Jakarta

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