Dampak Financial Technology, Akses Permodalan, dan Literasi Keuangan terhadap Kinerja UMKM di Kabupaten Sumenep

Penelitian ini bertujuan untuk menganalisis pengaruh Financial Technology, Akses Permodalan, dan Literasi Keuangan terhadap Kinerja UMKM di Kabupaten Sumenep. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian asosiatif kausal. Sampel penelitian terdiri dari 45 pelaku UMKM yang aktif berjualan di kawasan Car Free Day (CFD) Kabupaten Sumenep dan dipilih menggunakan teknik purposive sampling. Data dikumpulkan melalui penyebaran kuesioner dan dianalisis menggunakan metode regresi linier berganda dengan bantuan SPSS versi 26. Hasil penelitian menunjukkan bahwa Financial Technology, Akses Permodalan, dan Literasi Keuangan secara parsial berpengaruh positif dan signifikan terhadap Kinerja UMKM. Ketiga variabel tersebut juga berpengaruh positif dan signifikan secara simultan terhadap Kinerja UMKM. Temuan ini menunjukkan bahwa pemanfaatan teknologi keuangan, kemudahan memperoleh modal usaha, serta kemampuan mengelola keuangan memiliki peran penting dalam meningkatkan kinerja UMKM. Oleh karena itu, peningkatan pemanfaatan Financial Technology, akses permodalan, dan literasi keuangan perlu terus didorong guna mendukung pertumbuhan dan keberlanjutan UMKM di Kabupaten Sumenep.

================================================================================================

This study aims to analyze the influence of Financial Technology, access to capital, and financial literacy on the performance of UMKM (Micro, Small, and Medium Enterprises) in Sumenep Regency. This study used a quantitative approach with a causal associative research method. The sample consisted of 45 UMKM’s actively selling in the Car Free Day (CFD) area in Sumenep Regency and was selected using a purposive sampling technique. Data were collected through questionnaires and analyzed using multiple linear regression using SPSS version 26. The results indicated that Financial Technology, access to capital, and financial literacy partially have a positive and significant effect on UMKM performance. These three variables also simultaneously have a positive and significant effect on UMKM performance. These findings indicated that the use of Financial Technology, ease of obtaining business capital, and the ability to manage finances play a crucial role in improving UMKM performance. Therefore, increasing the use of Financial Technology, access to capital, and financial literacy need to be continuously encouraged to support the growth and sustainability of UMKM in Sumenep Regency.