Published date: Sep 28 2022

Journal Title: KnE Social Sciences

Issue title: 4th International Conference on Education and Social Science Research (ICESRE)

Pages: 257–266

DOI: 10.18502/kss.v7i14.11974

Muhammad Zakyzaky86muhammad@gmail.comSekolah Tinggi Ilmu Ekonomi PGRI Sukabumi, Indonesia

Dendi Zainuddin HamidiSekolah Tinggi Ilmu Ekonomi PGRI Sukabumi, Indonesia

MSMEs play a strategic role in improving a country’s economy. This can be seen through the contribution of MSMEs in increasing Indonesia’s GDP. As a pillar of the country’s economy, MSMEs must adapt to financial technology for providing easier access to financial services so that the MSME actors can have financial literacy competencies. Therefore, this study examines the effect of financial technology on the financial literacy. The associative quantitative method is used for parsing research problems based on urgency. A survey was conducted on 100 respondents of MSME actors. The data analysis test was carried out with the instrument quality test stages, and various basic assumptions had been fulfilled so that the research results were not biased. A bivariate regression analysis method was used. The results show that financial technology have a significant effect on financial literacy.

Keywords: financial technology, financial literacy

[1] W. Suryandari and H. Muniroh, “LITERASI KEUANGAN DAN PENGARUHNYA TERHADAP KINERJA UMKM BATIK TULIS LASEM.,” Fokus Ekonomi : Jurnal Ilmiah Ekonomi. vol. 15, no. 1, pp. 65–77, 2020.

[2] S. Suryani, D.S. Ramadhan, F. Ekonomi, and U.I. Riau, “Analisis Literasi Keuangan pada Pelaku Usaha Mikro di Kota Pekanbaru.,” COSTING : Journal of Economic, Business and Accounting. vol. 1, no. 1, pp. 12–22, 2017

[3] D.R. Ningsih, “PERAN FINANCIAL TECHNOLOGY (FINTECH) DALAM MEMBANTU PERKEMBANGAN WIRAUSAHA UMKM.,” In: PROSIDING SEMINAR NASIONAL PENDIDIKAN PROGRAM PASCASARJANA UNIVERSITAS PGRI PALEMBANG. pp. 270–277. Universitas PGRI Palembang, Palembang (2020).

[4] E.N. Sugiarti, N. Diana, and M.C. Mawardi, “PERAN FINTECH DALAM MENINGKATKAN LITERASI KEUANGAN PADA USAHA MIKRO KECIL MENENGAH DI MALANG.,” Jurnal Ilmiah Riset Akuntansi. vol. 8, no. 4, pp. 90–104, 2019.

[5] Arianti BF. The influence of income and financial behavior on financial literacy through investment decisions as intervening variables. Jurnal. Akuntansi. 2020;10(1):13–36. https://doi.org/10.33369/j.acuntansi.10.1.13-36

[6] Rumbianingrum W, Wijangka C. The effect of financial literacy on MSME financial management. Jurnal Manajemen. and Business. 2018;2(3):155–65.

[7] Herdinata C, Pranatasari DF. Guidelines for the application of financial technology through regulation, collaboration, and financial literacy in MSMEs. Leutika Press; Yogyakarta; 2019.

[8] Dara SR, Mariah M. Financial literacy in communities in Jakarta. Accuracy J. Ris. Account. and Finance. 2020;2(3):127–38.

[9] Amir H, Dadang S. Level of financial literacy and financial technology in business actors. Jurnal Ilmu manajemen; 2019;5:97–108.

[10] F. Lionetto, S. Pappadà, G. Buccoliero, and A. Maffezzoli, “Finite element modeling of continuous induction welding of thermoplastic matrix composites.,” Materials & Design. vol. 120, pp. 212–221, 2017.

[11] F.E. Wulandari, “PEER TO PEER LENDING DALAM POJK, PBI DAN FATWA DSN MUI.,” Ahkam: Jurnal Hukum Islam. vol. 6, no. 2, p. 2018. DOI