Analisis Pengaruh Literasi Keuangan dan Adopsi Financial Technology terhadap Pengelolaan Keuangan pada UMKM Jasa Fashion di Kota Malang

Mellisya Maulidyah, Anik Malikah, Dyah Arini Rudhiningtyas

Abstract


This research was conducted with the aim of examining the influence of financial literacy and the adoption of financial technology on financial management in fashion service MSMEs in Malang City. This study uses a quantitative research method which is a data collection research method, namely a questionnaire, involving 79 respondents who are fashion service MSME actors in the Malang City area. To analyze the data, this study used SPSS statistical software. The results of the study revealed that financial literacy has a positive and significant impact on the way MSME actors manage their finances. Then, the adoption of financial technology also turns out to have a significant effect on financial management. Overall, these findings confirm that financial literacy and the simultaneous adoption of financial technology have a positive and significant impact on financial management behavior in fashion service MSMEs in Malang City. This research is expected to provide valuable insights into the importance of financial literacy and the adoption of financial technology in optimizing financial management for fashion service MSMEs.

Keyword: MSMEs; financial literacy; fintech; financial management

 


Full Text:

PDF

References


Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211. https://doi.org/10.1016/0749-5978(91)90020-T

Andiani, D. A. P., & Maria, R. (2023). Pengaruh Financial Technology dan Literasi Keuangan terhadap Perilaku Keuangan pada Generasi Z. Jurnal Akuntansi Bisnis Dan Ekonomi, 9(2), 3468–3475. https://doi.org/10.33197/jabe.vol9.iss2.2023.1226

Apriliani, R. (2024). Literasi Keuangan Berbasis Teknologi Digital Teori dan Implementasinya. CV. Literasi Nusantara Abadi.

Assanniyah, M., & Setyorini, H. (2024). Pengaruh Literasi Keuangan dan Inklusi Keuangan terhadap Pengelolaan Keuangan UMKM Kecamatan Tanggulangin. 9(Februari), 36–49.

Azhima, Z. A., & Pinem, D. (2024). Analysis of Financial Literacy, Financial Technology, and Lifestyle on Financial Behavior of Generation Z in Pulo Village. Formosa Journal of Sustainable Research, 3(1), 79–98. https://doi.org/10.55927/fjsr.v3i1.7729

Chen, H., & Volpe, R. P. (1998). An Analysis of Personal Financial Literacy Among College Students. Financial Services Review, 7(2), 107–128. https://doi.org/10.1016/s1057-0810(99)80006-7

Fathurrahman, I. (2020). Pengaruh literasi keuangan, sikap love of money, aan pengetahuan paporan keuangan terhadap perilaku pengelolaan keuangan UMKM di wilayah kabupaten subang. Journal of Accounting for Sustainable Society, 02(01), 41–66. https://ojs.stiesa.ac.id/index.php/jass/

Malhotra, N. K. (2006). Marketing Research: An Applied Orientation (5th ed.). Pearson Prentice Hall.

Muhammad, F. R., Wulandari, E., & Faulah, A. (2024). Pengaruh Literasi Keuangan terhadap Pengelolaan Keuangan UMKM di Kecamatan Mampang Prapatan Jakarta. Seminar Nasional Pariwisata Dan Kewirausahaan (SNPK), 3(April), 559–563.

Phuong, N. T. H., Thuy, N. D., Giang, T. L., Han, B. T. N., Hieu, T. H., & Long, N. T. (2022). Determinants of Intention To Use Fintech Payment Services: Evidence From Vietnam’ Generation Z. International Journal of Business, Economics and Law, 26(1), 1.

Priasiwi, D. A., & Rochmawati, R. (2023). Pengaruh Financial Technology, Financial Literacy, Dan Hedonism Lifestyle Terhadap Pengelolaan Keuangan Siswa Smkn 4 Surabaya. Promosi (Jurnal Pendidikan Ekonomi), 11(2), 38. https://doi.org/10.24127/pro.v11i2.9094

Rahmi, R. (2023). Pengaruh Literasi Keuangan terhadap Layanan Keuangan Berbasis Fintech (Studi Empiris Masyarakat di Desa Lambara Harapan Kabupaten Luwu Timur).

Ribka. (2024). Riset: Hanya 46% UMKM yang Sepenuhnya Pisahkan Keuangan Bisnis dan Personal. Pasardana.Id. https://pasardana.id/news/2024/9/6/riset-hanya-46-umkm-yang-sepenuhnya-pisahkan-keuangan-bisnis-dan-personal/

Setyawati, A., Sugangga, R., Sulistyowati, R., Narmaditya, S., Ibadil, F., & Aris, N. (2024). Heliyon Locus of control , environment , and small-medium business performance in pilgrimage tourism : The mediating role of product innovation. Heliyon, 10(9), e29891. https://doi.org/10.1016/j.heliyon.2024.e29891

Soliha, I. A., Sihabudin, & Lukita, C. (2023). Pengaruh Literasi Keuangan Dan Kontrol Diri Terhadap Perilaku Pengelolaan Keuangan Pada Generasi Z. Jurnal Ilmiah Indonesia, 8(8), 10.

Sugiyono, D. (2013). Metode penelitian kuantitatif kualitatif dan R&D. In Penerbit Alfabeta.

Sukmana, N. P. Y. (2022). Literasi Keuangan Kota Malang 69,43 persen, Tertinggi Se-Indonesia. Kompas.Com. https://money.kompas.com/read/2022/12/12/131511626/literasi-keuangan-kota-malang-6943-persen-tertinggi-se-indonesia


Refbacks

  • There are currently no refbacks.


e_Jurnal Ilmiah Riset Akuntansi is indexed by:

e_Jurnal Ilmiah Riset Akuntansi is licensed under a Creative Commons Attribution 4.0 International License