Rizky Amanah, . (2026) PENGARUH LITERASI KEUANGAN, INKLUSI KEUANGAN, DAN PEMANFAATAN TEKNOLOGI KEUANGAN DIGITAL TERHADAP KINERJA UMKM DI DKI JAKARTA. Skripsi thesis, Universitas Pembangunan Nasional Veteran Jakarta.
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Abstract
This study investigates how financial literacy, financial inclusion, and the use of digital financial technology influence the performance of micro, small, and medium enterprises (MSMEs) in Jakarta, Indonesia. A quantitative research design was employed by collecting primary data through questionnaires distributed to MSME owners using purposive sampling. Of the 149 returned questionnaires, 100 met the predefined sampling criteria and were subsequently analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The findings reveal that both financial literacy and financial inclusion have a positive and statistically significant effect on MSME performance. In contrast, the use of digital financial technology does not demonstrate a significant relationship with business performance. These results suggest that adopting digital financial technologies alone is insufficient to enhance MSME performance unless it is accompanied by adequate financial knowledge and access to formal financial services. Accordingly, strengthening financial literacy and expanding financial inclusion remain essential priorities for improving MSME performance, while the effectiveness of digital financial technology adoption among business owners warrants further evaluation. Keywords: Financial literacy; Financial inclusion; Digital financial technology; MSME performance.
| Item Type: | Thesis (Skripsi) |
|---|---|
| Additional Information: | [No. Panggil: 2210111052] [Pembimbing: Kevin Naufal Widyadhana] [Penguji 1: Ardhiani Fadila] [Ketua Penguji: Ranila Suciati] |
| Uncontrolled Keywords: | Financial Literacy, Financial Inclusion, Utilization of Digital Financial Technology, MSME Performance. |
| Subjects: | H Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management H Social Sciences > HD Industries. Land use. Labor > HD61 Risk Management H Social Sciences > HG Finance |
| Divisions: | Fakultas Ekonomi dan Bisnis > Program Studi Manajemen (S1) |
| Depositing User: | RIZKY AMANAH |
| Date Deposited: | 24 Aug 2026 07:17 |
| Last Modified: | 24 Aug 2026 07:17 |
| URI: | http://repository.upnvj.ac.id/id/eprint/51251 |
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