Influence Of Financial Technology (E-Wallet) On MSMEs’ Turnover In Denpasar
Abstract
MSME is a sector that is able to support economic growth in Indonesia. The existence of MSMEs helps the government in absorbing labor. Current technological advances encourage MSME actors to be able to adapt to technology. Technological developments in the payment system are known as Fintech. The use of technology is a choice based on several factors, so the purpose of this study is to determine the effect of business location, education level, and type of business on the turnover of MSMEs that have used Fintech products, namely E-wallet as a transaction tool. This research was conducted in Denpasar City by targeting medium category MSMEs with a sample of 89 respondents, the instruments used were questionnaires and observations. Analysis of the data used in this study is 2SLS. The results of this study indicate that the variables of type of business, education level, business location, and decisions on the use of E-wallet have an effect on MSME turnover. Partially the independent variables that affect the turnover of MSMEs are the type of business, education level, and the decision to use E-wallet.
Downloads
References
Biantong, Juan Salao, and Iwan Krisnadi. (2021). “Pengaruh Manajemen Strategis Mengenai Penggunaan E-Payment Terhadap Peningkatan Intensitas Transaksi Pada Industrsi UMKM.”
Dwi, Aksami Ni Made, and Jember I. Made. (2019). “Analisis Minat Penggunaan Layanan E-Money Pada Masyarakat Kota Denpasar.” E-Jurnal Ep Unud 8(10):2439–70.
Ihsan, Mohammad, and Ade Perdana Siregar. (2019). “Pengaruh E-Service Quality Terhadap Keputusan Pengguna Jasa Ojek Online Go-Ride Dalam Aplikasi Go-Jek Melalui Kepercayaan Konsumen Di Kota Jambi.” J-MAS (Jurnal Manajemen Dan Sains) 4(1):170. doi: 10.33087/jmas.v4i1.85.
Inggiharti, Nonika. (2020). “Pengaruh Electronic Wallet Terhadap Kegiatan Keuangan Indonesia (Perbandingan Aplikasi Electronic Wallet Milik Perusahaan Financial Technology Terhadap Aplikasi Electronic Wallet Milik BUMN).” University Of Bengkulu Law Journal 5(1):74–88. doi: 10.33369/ubelaj.5.1.74-88.
Jam’iyatuzzulfiyyah. (2021). “Analisis Peran Usaha Mikro, Kecil Dan Menengah Terhadap Penyerapan Tenaga Kerja Di Indonesia.” Jurnal Inovasi Penelitian 1(8):6.
Putra, I. made sedana, and I. Ketut Sudibia. (2018). “Pengaruh Faktor Sosial, Ekonomi Dan Demografi Terhadap Pendapatan Usaha Sektor Informal Di Desa Darmasaba.” Piramida Jurnal Kependudukan Dan Pengembangan Sumber Daya Manusia XIV(1):49–58.
Sanistasya, Poppy Alvianolita, Kusdi Raharjo, and Mohammad Iqbal. (2019). “The Effect of Financial Literacy and Financial Inclusion on Small Enterprises Performance in East Kalimantan.” Jurnal Economia 15(1):48–59. doi: 10.21831/economia.v15i1.23192.
Utari, Tri, and Putu Martini Dewi. (2014). “Pengaruh Modal, Tingkat Pendidikan Dan Teknologi Terhadap Pendapatan Usaha Mikro Kecil Dan Menengah (Umkm) Di Kawasan Imam Bonjol Denpasar Barat.” Ekonomi Pembangunan 3(12):576–85.
Wardani, Ayu Putu Yulia Kusuma, and Nyoman Ari Surya Darmawan. (2020). “Peran Financial Technology Pada UMKM: Peningkatan Literasi Keuangan Berbasis Payment Gateway.” Jurnal Ilmiah Akuntansi Dan Humanika 10(2):170. doi: 10.23887/jiah.v10i2.25947.
Certificate
