Pengaruh Adopsi Financial Technology dan Literasi Keuangan terhadap Keberlanjutan Usaha Mikro di Kabupaten Mojokerto: Pendekatan SEM-PLS

Sutikno, Karina Putri (2024) Pengaruh Adopsi Financial Technology dan Literasi Keuangan terhadap Keberlanjutan Usaha Mikro di Kabupaten Mojokerto: Pendekatan SEM-PLS. Other thesis, Institut Teknologi Sepuluh Nopember.

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Abstract

Seiring dengan pertumbuhan ekonomi dan kontribusi Usaha Mikro di Kabupaten Mojokerto. Usaha Mikro tidak terlepas dari tantangan terkait rendahnya daya saing usaha. Adopsi financial technology, literasi keuangan, dan inklusi keuangan berperan dalam meningkatkan daya saing serta mendukung keberlanjutan usaha. Penelitian ini bertujuan untuk mengetahui pengaruh adopsi financial technology, literasi keuangan, dan inklusi keuangan sebagai variabel intervening terhadap keberlanjutan Usaha Mikro di Kabupaten Mojokerto. Responden dalam penelitian ini mencakup 94 pelaku Usaha Mikro yang telah mendapatkan binaan dan dianggap aktif di 18 Kecamatan Kabupaten Mojokerto. Pengumpulan data menggunakan kuesioner. Pendekatan SEM-PLS digunakan dalam penelitian ini untuk analisis data statistik deskriptif dan inferensial, sedangkan SmartPLS versi 3.0 digunakan untuk pengolahan data. Hasil penelitian menunjukkan variabel adopsi financial technology tidak berpengaruh terhadap keberlanjutan usaha dan inklusi keuangan. Sebaliknya, variabel literasi keuangan berpengaruh terhadap keberlanjutan usaha dan inklusi keuangan. Variabel inklusi keuangan berpengaruh terhadap keberlanjutan usaha. Kemudian, variabel inklusi keuangan tidak memediasi pengaruh financial technology terhadap keberlanjutan usaha, namun memediasi pengaruh literasi keuangan terhadap keberlanjutan usaha. Oleh karena itu, hendaknya masyarakat mengikuti pelatihan terkait adopsi financial technology agar lebih mudah menggunakan dan mempelajari layanan keuangan digital. Selain itu, Dinas Koperasi dan Usaha Mikro dapat menyelenggarakan beberapa pelatihan maupun pendampingan tentang adopsi financial technology.
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Along with economic growth and the contribution of Micro Enterprises in Mojokerto Regency. Micro businesses cannot be separated from challenges related to low business competitiveness. Adoption of financial technology, financial literacy and financial inclusion play a role in increasing competitiveness and supporting business sustainability. This research aims to determine the influence of financial technology adoption, financial literacy, and financial inclusion as intervening variables on the sustainability of Micro Enterprises in Mojokerto Regency. Respondents in this study included 94 Micro Business actors who had received guidance and were considered active in 18 Districts of Mojokerto Regency. Data collection uses a questionnaire. The SEM-PLS approach was used in this research for descriptive and inferential statistical data analysis, while SmartPLS version 3.0 was used for data processing. The research results show that the financial technology adoption variable has no effect on business sustainability and financial inclusion. On the other hand, the financial literacy variable influences business sustainability and financial inclusion. The financial inclusion variable influences business sustainability. Then, the financial inclusion variable does not mediate the influence of financial technology on business sustainability, but mediates the influence of financial literacy on business sustainability. Therefore, people should take part in training related to the adoption of financial technology so that it is easier to use and learn about digital financial services. Apart from that, the Department of Cooperatives and Micro Enterprises can organize several training and assistance regarding the adoption of financial technology.

Item Type:	Thesis (Other)
Uncontrolled Keywords:	Financial Technology, Financial Literacy, Financial Inclusion, Micro Business, sustainability
Subjects:	H Social Sciences > H Social Sciences (General)
Divisions:	Faculty of Creative Design and Digital Business (CREABIZ) > Developmental Studies > 60201-(S1) Undergraduate Thesis
Depositing User:	Karina Putri Sutikno
Date Deposited:	15 Aug 2024 01:43
Last Modified:	15 Aug 2024 01:43
URI:	http://repository.its.ac.id/id/eprint/114101

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