Transformasi digital UMKM: Kapabilitas teknologi informasi komunikasi dan kapabilitas keuangan digital dalam meningkatkan kinerja bisnis pada usaha kuliner Kota Pekanbaru
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Abstract
Digital transformation has become a crucial aspect in enhancing the competitiveness of Micro, Small, and Medium Enterprises (MSMEs), particularly in the culinary sector. This study aims to analyze the influence of Information and Communication Technology (ICT) capabilities and digital financial capabilities on business performance in culinary enterprises in Pekanbaru City. Using a quantitative approach with a survey method, this study involved 50 culinary business owners as samples. The data analysis technique used is Partial Least Squares-Structural Equation Modeling (PLS-SEM). The results show that ICT capabilities have a significant effect on business performance, and ICT capabilities also significantly influence digital financial capabilities. These findings affirm that the utilization of ICT can drive operational efficiency, service innovation, and financial digitalization in MSMEs. However, digital financial capabilities do not have a significant effect on business performance. This indicates that although entrepreneurs have started to adopt financial technology, its implementation has not yet been fully optimized to improve business performance. Therefore, more effective and structured managerial strategies are needed to maximize the role of digital financial technologies in supporting sustainable business performance.
Transformasi digital menjadi aspek krusial dalam meningkatkan daya saing Usaha Mikro, Kecil, dan Menengah (UMKM), khususnya di sektor kuliner. Penelitian ini bertujuan untuk menganalisis pengaruh kapabilitas teknologi informasi komunikasi dan kapabilitas keuangan digital terhadap kinerja bisnis pada usaha kuliner Kota Pekanbaru. Menggunakan pendekatan kuantitatif dengan metode survei, penelitian ini melibatkan 50 pelaku usaha kuliner sebagai sampel. Teknik analisis data yang digunakan adalah Partial Least Squares-Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa kapabilitas teknologi informasi komunikasi berpengaruh signifikan terhadap kinerja bisnis, kapabilitas teknologi informasi komunikasi berpengaruh signifikan terhadap kapabilitas keuangan digital. Temuan ini menegaskan bahwa pemanfaatan TIK dapat mendorong efisiensi operasional, inovasi layanan, dan digitalisasi keuangan pada UMKM. Namun, kapabilitas keuangan digital tidak menunjukkan pengaruh signifikan terhadap kinerja bisnis. Hal ini mengindikasikan bahwa meskipun pelaku usaha telah mulai mengadopsi teknologi keuangan, implementasinya belum sepenuhnya mampu meningkatkan performa usaha. Oleh karena itu, diperlukan strategi manajerial yang lebih efektif dan terstruktur guna mengoptimalkan peran teknologi keuangan digital dalam mendukung pencapaian kinerja bisnis secara berkelanjutan.
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