The Impact of Financial Technology and Financial Inclusion on MSME Financial Performance: Pengaruh Financial Technology dan Inklusi Keuangan terhadap Kinerja Keuangan UMKM

Muhammad Hafiz Saputra; Dewi Sartika

doi:10.51510/jakp.v9i1.3117

Authors

Muhammad Hafiz Saputra Universitas Bina Darma
Dewi Sartika Universitas Bina Darma

DOI:

https://doi.org/10.51510/jakp.v9i1.3117

Keywords:

Financial Technology, Financial Inclusion, Financial Performance, MSMEs, PLS-SEM, Inklusi Keuangan, Kinerja Keuangan, UMKM

Abstract

This study aims to analyze the influence of financial technology (fintech) and the level of financial inclusion on the financial performance of micro, small, and medium enterprises (MSMEs). This study uses a quantitative approach with an explanatory research method. Primary data were collected through structured questionnaires from MSMEs that have implemented fintech services and have access to formal financial institutions, using a purposive sampling technique. Data analysis was performed using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method. The results show that fintech and financial inclusion have a positive and significant influence on MSME financial performance, which is reflected in increased profitability, operational efficiency, business resilience, and long-term business sustainability and competitiveness.

Abstrak
Penelitian ini bertujuan untuk menganalisis pengaruh financial technology (fintech) dan tingkat inklusi keuangan terhadap kinerja keuangan usaha mikro kecil menengah (UMKM). Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian eksplanatori. Data primer dikumpulkan melalui pengisian kuesioner terstruktur kepada pelaku UMKM yang telah menerapkan layanan fintech serta memiliki akses ke lembaga keuangan formal, dengan teknik pengambilan sampel purposive sampling. Analisis data dilakukan menggunakan metode Partial Least Squares–Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa fintech dan inklusi keuangan memiliki pengaruh positif dan signifikan terhadap kinerja keuangan UMKM, yang tercermin dalam peningkatan profitabilitas, efisiensi operasional, ketahanan usaha, serta keberlanjutan dan daya saing bisnis jangka panjang.

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