Pengaruh Adopsi Fintech, Akses Permodalan dan Inovasi Bisnis Terhadap Kinerja UMKM (Studi Empiris Pada UMKM di Kota Batu)

Kamila Nur Aini, Afifudin Afifudin, Umi Nandiroh

Abstract


This study aims to determine and analyze the influence of Fintech adoption, access to capital, and business innovation on the performance of MSMEs in Batu City in particular. This type of research is quantitative research, quantitative research focuses on collecting measurable data and using statistics to analyze the relationship between variables. The population in this study were all Micro, Small, and Medium Enterprises (MSMEs) operating in the Batu City area. Sampling using the Malhotra formula in this study there are 24 question items so the number of samples is 120 samples (24 question items x 5). In this study there are considerations or criteria used as requirements for MSMEs who have prepared financial reports or financial records. The results of the study show that the fintech adoption variable has a positive effect on MSME performance. The capital access variable has a positive effect on MSME performance. The business innovation variable has a positive effect on MSME performance.

Keywords: Fintech adoption, access to capital, and business innovation on the performance

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References


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