The Influence of Payment Gateways, Digitalization of MSMEs, Financial Literacy, and Venture Capital on MSME Performance
Pengaruh Payment Gateway, Digitalisasi UMKM, Literasi Keuangan, dan Modal Usaha Terhadap Kinerja UMKM
DOI:
https://doi.org/10.21070/ups.6532Keywords:
Payment Gateway, Digitalization of MSMEs, Financial Literacy, Venture Capital, MSME PerformanceAbstract
MSMEs play an important role in economic development, overcoming the problem of poverty, and are able to provide employment opportunities. This research aims to determine the influence of payment gateways, digitalization of MSMEs, financial literacy, and business capital on the performance of MSMEs. This research uses a quantitative type of research using primary data. The population of this research is 14,410 MSME food and beverage actors in Sidoarjo Regency. Samples were taken using nonprobability sampling with a purposive sampling method and distributing questionnaires to a total of 99 respondents. The data analysis technique used in the research is multiple linear regression analysis with the help of the IBM SPSS version 23 test tool. The results of this research show that payment gateways, digitalization of MSMEs, financial literacy and capital have an influence on MSME performance.
Downloads
References
A. Rahmah and S. Biduri, “Implementation Financial Literation and Utilization of Information Technology in UMKM Performance,” no. 76, pp. 1–7, 2023, [Online]. Available: http://dx.doi.org/10.21070/ups.928
M. H. Rauf and S. Biduri, “The Influence Of Self Efficacy , Perceived Usefulness And Knowledge Of Accounting On The Use Of Android Based Accounting Applications ( Empirical Study On UMKM Sidoarjo ) [ Pengaruh Self Efficacy , Perceived Of Usefulness Dan Pengetahuan Akuntansi Terhada,” pp. 1–11, 2008.
E. Jayanti and N. B. Karnowati, “Digitalisasi Umkm Dan Literasi Keuangan Untuk Keberlanjutan Umkm Di Kabupaten Cilacap,” Kaji. Bisnis Sekol. Tinggi Ilmu Ekon. Widya Wiwaha, vol. 31, no. 1, pp. 51–64, 2023, doi: 10.32477/jkb.v31i1.504.
M. Wahyuning Tyas and D. Komala Sari, “The effect of Digital Marketing, Customer Relationship Marketing and Competitive Advantage in Improving the Marketing Performance of Leather MSMEs in Sidoarjo [Pengaruh Digital Marketing, Customer Relationship Marketing Dan Keunggulan Bersaing Terhadap Ki,” pp. 1–13, [Online]. Available: https://sdgs.un.org/goals/goal
E. Dhamayantie and R. Fauzan, “Penguatan Karakteristik Dan Kompetensi Kewirausahaan Untuk Meningkatkan Kinerja Umkm,” Matrik J. Manajemen, Strateg. Bisnis dan Kewirausahaan, no. March 2017, 2017, doi: 10.24843/matrik:jmbk.2017.v11.i01.p07.
M. Haseeb, M. Lis, I. Haouas, and L. W. W. Mihardjo, “The mediating role of business strategies between management control systems package and firms stability: Evidence from SMEs in Malaysia,” Sustain., vol. 11, no. 17, 2019, doi: 10.3390/su11174705.
M. N. Afrianti and S. Biduri, “Demographic Factors , Financial Technology , and Financial Self Efficacy on MSME Financial Performance [ Faktor Demografi , Financial Technology , dan Financial Self Efficacy Terhadap Kinerja Keuangan UMKM ],” pp. 1–12.
R. Pangestu and M. R. Rita, “Penggunaan Payment Gateway ‘Go-Pay’ Dan Kinerja UMKM: Studi Pada Coffee Shop Di Kota Salatiga,” J. EBBANK, vol. 12, no. 1, pp. 17–26, 2022.
D. Luckandi, “Analysis of Payment Transactions Using Fintech at MSMEs in Indonesia,” DSpace, vol. 4, pp. 1–56, 2018, [Online]. Available: https://dspace.uii.ac.id/handle/123456789/9681
M. E. Mutiara, “Pengaruh Payment Gateway, Digitalisasi UMKM, Literasi Keuangan Terhadap Kinerja UMKM,” no. 1, pp. 1–4, 2022.
E. S. Suhargo, Y. N. Farida, and T. Hidayat, “PENGARUH DIGITALISASI UMKM DAN PENGGUNAAN SISTEM INFORMASI AKUNTANSI TERHADAP KINERJA UMKM PADA MASA PANDEMI COVID-19,” J. Ris. Akunt. SOEDIRMAN, no. 8.5.2017, pp. 2003–2005, 2022.
R. I. Nugraha, “Pengaruh Literasi Keuangan Terhadap Pengelolaan Keuangan (Studi Kasus UMKM Sektor Perdagangan di Wilayah Kota Tasikmalaya),” Corp. Gov., vol. 10, no. 1, pp. 54–75, 2020.
A. Susanti, . Ismunawan, . Pardi, and E. Ardyan, “Tingkat Pendidikan, Literasi Keuangan, dan Perencanaan Keuangan terhadap Perilaku Keuangan UMKM di Surakarta,” Telaah Bisnis, vol. 18, no. 1, pp. 45–56, 2018, doi: 10.35917/tb.v18i1.93.
B. S. Kasendah and C. Wijayangka, “Pengaruh Literasi Keuangan Terhadap Kinerja Umkm,” J. Ekon. Manajemen, Akuntansi, dan Perbank. Syari’ah, vol. 3, no. 1, 2022, doi: 10.24903/je.v10i1.1217.
R. N. Septiani and E. Wuryani, “PENGARUH LITERASI KEUANGAN DAN INKLUSI KEUANGAN TERHADAP KINERJA UMKM DI SIDOARJO,” E-Jurnal Manajemen, Vol. 9, No. 8, 2020 3214-3236, vol. 9, no. 2, pp. 58–66, 2019.
B. Kumalasari and N. A. Haryono, “Faktor-Faktor yang Memengaruhi Kinerja UMKM di Kabupaten Bojonegoro,” J. Ilmu Manaj., vol. 7, no. 3, pp. 784–795, 2019.
R. L. Hasanah, D. N. Kholifah, and D. P. Alamsyah, “Pengaruh Modal, Tingkat Pendidikan dan Teknologi Terhadap Pendapatan UMKM di Kabupaten Purbalingga,” Kinerja, vol. 17, no. 2, pp. 305–313, 2020, [Online]. Available: https://journal.feb.unmul.ac.id/index.php/KINERJA/article/view/7492
N. M. D. M. Putri and I. M. Jember, “Pengaruh Modal Sendiri dan Lokasi Usaha Terhadap UMKM di Kabupaten Tabanan (Modal Pinjaman sebagai Intervening),” J. Ekon. Kuantitatif Terap., vol. 9, no. 2, pp. 142–150, 2016.
A. Ferdiansyah and E. Bukhari, “Pengaruh Modal, Financial Knowledge, Teknologi Dan Media Sosial Terhadap Kinerja Umkm Fashion Di Bekasi Utara,” J. Ilm. Akunt. dan Manaj., vol. 17, no. 2, pp. 103–114, 2021.
M. Kurniawati, “PENGARUH E-COMMERCE DAN MODAL USAHA TERHADAP KINERJA UMKM DI MASA PANDEMI COVID-19 DENGAN SUMBER DAYA MANUSIA (SDM) SEBAGAI VARIABEL MODERASI (Studi Kasus UMKM Kecamatan Dolopo),” Semin. Inov. Manaj. Dan Akunt. 4, no. September 2022, pp. 1–23, 2022.
D. A. Lestari, E. D. Purnamasari, and B. Setiawan, “Pengaruh Payment Gateway terhadap Kinerja Keuangan UMKM,” J. Bisnis, Manajemen, dan Ekon., vol. 1, no. 1, pp. 1–10, 2020, doi: 10.47747/jbme.v1i1.20.
A. Armiani, B. Basuki, and N. Suwarno, “Teknologi Digital Memediasi Dampak Strategi Bisnis Terhadap Kinerja Umkm Di Nusa Tenggara Barat,” EKUITAS (Jurnal Ekon. dan Keuangan), vol. 5, no. 3, pp. 300–320, 2021, doi: 10.24034/j25485024.y2021.v5.i3.4892.
M. R. N. Hilmawati and R. Kusumaningtias, “Inklusi Keuangan Dan Literasi Keuangan Terhadap Kinerja Dan Keberlangsungan Sektor Usaha Mikro Kecil Menengah,” Nominal Barom. Ris. Akunt. dan Manaj., vol. 10, no. 1, pp. 135–152, 2021, doi: 10.21831/nominal.v10i1.33881.
M. Rizky and H. Fitriyah, “Determination of Financial Literacy, Financial Inclusion and Ability to Prepare Financial Reports on the Performance Development of SMES in Sidoarjo (Study on Food Processing Sector),” pp. 1–11, 2023, [Online]. Available: http://dx.doi.org/10.21070/ups.2646
A. W. Aji and S. P. Listyaningrum, “Pengaruh Modal Usaha, Lokasi Usaha, Dan Teknologi Informasi Terhadap Pendapatan Umkm Di Kabupaten Bantul,” JIAI (Jurnal Ilm. Akunt. Indones., vol. 6, no. 1, pp. 87–102, 2021, doi: 10.32528/jiai.v6i1.5067.
Sugiyono, Metode Penelitian Kuantitatif. Yogyakarta: ALFABETA, 2017.
Ditakopum, “Daftar Usaha Mikro.” [Online]. Available: https://ditakopum.sidoarjokab.go.id/public/usaha-mikro
I. A. Rozi and Khuzaini, “Pengaruh Harga Keragaman Produk, Kualitas Pelayanan dan Promosi terhadap Keputusan Pembelian Di Marketplace Shopee,” J. Ilmu dan Ris. Manaemen, vol. 10, pp. 1–20, 2021.
R. Wulandari, “Pengaruh Literasi Keuangan dan Inklusi Keuangan terhadap Kinerja UMKM (Studi Kasus pada UMKM Provinsi DKI Jakarta),” 2019.
M. Tony Sitinjak, “Pengaruh Persepsi Kebermanfaatan Dan Persepsi Kemudahan Penggunaan Terhadap Minat Penggunaan Layanan Pembayaran Digital Go-Pay,” J. Manaj., vol. 8, no. 2, pp. 27–39, 2019.
L. Adella and M. Rio, “Digitalisasi UMKM, Literasi Keuangan, dan Kinerja Keuangan : Studi Pada Masa Pandemi Covid-19,” J. Bus. Bank., vol. 11, no. 1, pp. 73–92, 2021, doi: 10.14414/jbb.v11i1.2552.
R. A. Sufi and L. Suharti, “Pengaruh Motivasi Intrinsik dan Pengetahuan TIK terhadap Kesiapan Digitalisasi UMKM dengan Faktor Demografi sebagai Variabel Pemoderasi (Studi pada UMKM Kuliner di Salatiga),” J. Adm. Bisnis, vol. 10, no. 2, pp. 107–120, 2021, doi: 10.14710/jab.v10i2.39311.
R. Wandra, “PENGARUH DIGITAL MARKETING TERHADAP PENDAPATAN PELAKU USAHA MIKRO KECIL MENENGAH (UMKM) MENURUT PERSEPEKTIF EKONOMI ISLAM,” 2022.
P. A. Sanistasya, K. Raharjo, and M. Iqbal, “The Effect of Financial Literacy and Financial Inclusion on Small Enterprises Performance in East Kalimantan,” J. Econ., vol. 15, no. 1, pp. 48–59, 2019, doi: 10.21831/economia.v15i1.23192.
M. I. Naufal and E. Purwanto, “Dampak Literasi Keuangan terhadap Kinerja Keberlanjutan UMKM (Studi Kasus Industri F & B Kecamatan Sumbersari Jember),” Financ. Literacy, Bus. Performance, Bus. Sustain., vol. 16, no. 2, pp. 209–215, 2022.
Lusardi and Mitchell, “Analisis perceived organizational support dan budaya kerja terhadap beban kerja dalam meningkatkan kinerja karyawan bank menuju new normal,” … Bus. …, vol. Lusardi, , 2014, [Online]. Available: https://inkubator-bisnis.perbanas.ac.id/index.php/jbb/article/view/2507
S. Rapih, “Analisis Pengaruh Kompetensi Sumber Daya Manusia (Sdm), Modal Sosial Dan Modal Finansial Terhadap Kinerja Umkm Bidang Garmen Di Kabupaten Klaten,” Assets J. Akunt. dan Pendidik., vol. 4, no. 2, p. 168, 2015, doi: 10.25273/jap.v4i2.685.
A. Y. Rahayu and Musdholifah, “Pengaruh literasi keuangan terhadap kinerja dan keberlanjutan umkm di kota surabaya,” J. Ilmu Manaj., vol. 5, no. 2016, p. 2017, 2017.
Downloads
Additional Files
Posted
License
Copyright (c) 2024 UMSIDA Preprints Server
This work is licensed under a Creative Commons Attribution 4.0 International License.
