Effect of Payment Gateway, Financial Literacy, Financial Inclusion On the Performance of SMEs in Mataram City
Abstract
This study examines small and medium-sized enterprises (SMEs) in Mataram City's creative economy sector to ascertain the effect of payment gateways and financial literacy on SME performance with financial inclusion as an intervention variable. Research design that is quantitative and descriptive is used in this study. Participants in this study were small and medium-sized enterprises (SMEs) from the creative economy who use payment gateways. The sample included a total of fifty participants. The study's sample strategy, known as snowball sampling, was utilized since it was unknown how many SMEs in the creative economy sector used payment gateways. The data source for the primary information will be SMEs themselves. The results of the study show that financial literacy and payment gateways have a considerable beneficial influence on SME performance. They also demonstrate that financial literacy and payment gateways have a significant positive impact on financial inclusion. However, neither financial inclusion as a standalone variable nor as an intervening factor had any effect on SME success.
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References
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Ariani, A., & Utomo, M. N. (2017). KAJIAN STRATEGI PENGEMBANGAN USAHA MIKRO KECIL DAN MENENGAH (UMKM) DI KOTA TARAKAN. Jurnal Organisasi dan Manajemen, 13(2), 99–118. https://doi.org/10.33830/jom.v13i2.55.2017
Astuti, N. C., & Nasution, R. A. (2014). Technology readiness and e-commerce adoption among entrepreneurs of SMEs in Bandung City, Indonesia. Gadjah Mada International Journal of Business, 16(1), 69–88. https://search.informit.org/doi/10.3316/informit.263442764254297
Barbara Beshel, An Introduction to Franchising, IFA Educational Foundation, www.themoneyinstitute2000.com
Budiarto, D. S., Diansari, R. E., Afriany, A. N., Nusron, L. A., & Seta, V. E. (2023). Which is More Important, Digital Marketing or Payment Gateway? Research on SMEs Business Performance. In A. Kusuma Wardana (Ed.), Proceedings of the 1st UPY International Conference on Education and Social Science (UPINCESS 2022) (pp. 47–53). Atlantis Press SARL. https://doi.org/10.2991/978-2-494069-39-8_5
Davis, K., Newstrom, J. W., & Dharma, A. (1995). Perilaku Dalam Organisasi (Ed 7, Cet 5). Jakarta: Erlangga.
Garg, N., & Singh, S. (2018). Financial Literacy Among Youth. International Journal of Social Economics, 45(1), 173–186. https://doi.org/10.1108/IJSE-11-2016-0303
Hasibuan, M. S. P. H. (2008). Manajemen Sumber Daya Manusia. In N. Indrayani (Ed.), Bumi Aksara (Revisi). Jakarta: Bumi Aksara.
Hung, A. A., Parker, A. M., & Yoong, J. K. (2009). Defining and Measuring Financial Literacy. RAND Working Paper Series WR-708. http://dx.doi.org/10.2139/ssrn.1498674
Husnan, S., & Pudjiastuti, E. (2015). Dasar-Dasar Manajemen Keuangan (Ed. 4 Cet.). UPP AMP YKPN.
Kasendah, B. S., & Wijayangka, C. (2019). PENGARUH LITERASI KEUANGAN TERHADAP KINERJA UMKM. 3(1).
Kumalasari, B., & Asandimitra, N. (2019). FAKTOR-FAKTOR YANG MEMENGARUHI KINERJA UMKM DI KABUPATEN BOJONEGORO. 7.
Kurniawan, D., Zusrony, E., & Kusumajaya, R. A. (2018). Analisa Persepsi Pengguna Layanan Payment Gateway Pada Financial Technology Dengan Metode Eucs. 4(3), 1–5.
Kwabena, G.-Y., Qiang, M., Wenyuan, L., Qalati, S. A., & Erusalkina, D. (2019). EFFECTS OF THE DIGITAL PAYMENT SYSTEM ON SMES PERFORMANCE IN DEVELOPING COUNTRIES; A CASE OF GHANA. 7(12), 79–87.
Legowo, M. B., Indiarto, B., & Prayitno, D. (2020). Information Technology Adoption Efforts in Improving The Performance of Indonesia SMEs. 21(2).
Lubis, A. M. (2021). PENGARUH LITERASI KEUANGAN, FINTECH PEER TO PEER LENDING DAN PAYMENT GATEWAY TERHADAP KINERJA KEUANGAN UMKM (STUDI KASUS UMKM KOTA MEDAN).
Mutegi, H. K., Njeru, P. W., & Ongesa, N. T. (2015). Financial literacy and Its impact on Loan Repayment by Small and Medium Entrepreneurs. 3(3), 1–28.
Ningsih, A. S. (2020). Legal Review of Financial Technology Peer To Peer Lending Based on Indonesian Collateral Law Perspective. Substantive Justice International Journal of Law, 3(2), 109. https://doi.org/10.33096/substantivejustice.v3i2.73
Octavina, L. A., & Rita, M. R. (2021). Digitalisasi UMKM, Literasi Keuangan, dan Kinerja Keuangan : Studi pada masa pandemi Covid-19. JBB, 73–92. https://doi.org/10.14414/jbb.v11i1.2552
Purnamasari, E. D. (2020). Pengaruh Payment Gateway dan Peer to Peer Lending (P2P) terhadap Peningkatan Pendapatan di Kota Palembang. Jurnal Ilmiah Ekonomi Global Masa Kini, 11(1), 63. https://doi.org/10.36982/jiegmk.v11i1.1063
Safrianti, S., Puspita, V., Shinta, S. D., & Afriyeni, A. (2022). Tingkat financial technology terhadap peningkatan kinerja UMKM dengan variabel intervening inklusi keuangan pada pelaku UMKM Kota Bengkulu. MBR (Management and Business Review), 6(2), 212–227. https://doi.org/10.21067/mbr.v6i2.7538
Sandra, A., & Purwanto, E. (2015). Pengaruh Faktor-Faktor Eksternal Dan Internal Terhadap Kinerja Usaha Kecil Dan Menengah Di Jakarta. In Business Management Journal (1; Vol. 11).
Sanistasya, P. A., Raharjo, K., & Iqbal, M. (2019). The Effect of Financial Literacy and Financial Inclusion on Small Enterprises Performance in East Kalimantan. Jurnal Economia, 15(1), 48–59. https://doi.org/10.21831/economia.v15i1.23192
Sanjaya, I. M., & Nursechafia, N. (2016). FINANCIAL INCLUSION AND INCLUSIVE GROWTH: A CROSS-PROVINCE ANALYSIS IN INDONESIA. Buletin Ekonomi Moneter Dan Perbankan, 18(3), 281–306. https://doi.org/10.21098/bemp.v18i3.551
Sari, M. (2014). ENTERPRENEUR TERHADAP KINERJA UKM DI KOTA MEDAN. 14(1).
Septiani, R. N., & Wuryani, E. (2020). PENGARUH LITERASI KEUANGAN DAN INKLUSI KEUANGAN TERHADAP KINERJA UMKM DI SIDOARJO. Jurnal Manajemen, 9(8).
Shen, Y., Hu, W., & Hueng, C. J. (2018). The Effects of Financial Literacy, Digital Financial Product Usage and Internet Usage on Financial Inclusion in China. MATEC Web of Conferences, 228, 05012. https://doi.org/10.1051/matecconf/201822805012
Susilo, J.Yuneita, A.Azhari, S. (2022). PENGARUH LITERASI KEUANGAN, INKLUSI KEUANGAN, DAN INOVASI TERHADAP KINERJA UMKM. Jurnal Kajian Akuntansi Dan Bisnis Terkini, 3(1), 1–10. https://doi.org/https://current.ejournal.unri.ac.id
Venkatesh, V., & Davis, F. D. (2000). A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies. Management Science, 46(2), 186–204. https://doi.org/10.1287/mnsc.46.2.186.11926
Wahyudiati, D., & Isroah, I. (2018). PENGARUH ASPEK KEUANGAN DAN KOMPETENSI SUMBER DAYA MANUSIA (SDM) TERHADAP KINERJA USAHA MIKRO KECIL DAN MENENGAH (UMKM) DI DESA KASONGAN. 6(2).
Yanti, W. I. P. (2019). PENGARUH INKLUSI KEUANGAN DAN LITERASI KEUANGAN TERHADAP KINERJA UMKM DI KECAMATAN MOYO UTARA. Jurnal Manajemen dan Bisnis, 2(1). https://doi.org/10.37673/jmb.v2i1.305
Published
2024-08-28
How to Cite
AULIANA, Dhiya.
Effect of Payment Gateway, Financial Literacy, Financial Inclusion On the Performance of SMEs in Mataram City.
Jurnal Ekonomi Kuantitatif Terapan, [S.l.], v. 17, n. 2, p. 279-294, aug. 2024.
ISSN 2303-0186.
Available at: <https://ojs.unud.ac.id/index.php/jekt/article/view/106082>. Date accessed: 28 oct. 2024.
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