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All Journal Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (JASMIEN)
Santhos Frananda
Universitas Pembangunan Panca Budi
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Analisis Dampak Transformasi Digital Perbankan Terhadap Inklusi Keuangan dan Kinerja UMKM di Provinsi Sumatera Utara Santhos Frananda; Lia Nazliana Nasution; Rusiadi
Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (Jasmien) Vol. 6 No. 01 (2026): Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (Jasmien)
Publisher : Cattleya Darmaya Fortuna

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54209/jasmien.v6i01.2561

Abstract

This study aims to determine the influence of digital banking transformation on the performance of MSMEs in North Sumatra Province which is moderated by financial inclusion. This type of research is quantitative research. The sampling technique used is a non-probability sampling technique with a purposive sampling approach so that the determination of the number of samples refers to the needs of SEM-PLS analysis, so the sample used in this study was ± 250 respondents. The data analysis technique used was Partial Least Square (Smart-PLS) with data analysis, namely the measurement model test (outer model) and the structural model test (inner model). The results of the study show that: (1) Financial Inclusion has a positive and significant effect on MSME Performance. (2) Banking Digital Transformation has a significant effect on MSME Performance. And (3) Financial Inclusion significantly moderates the relationship between Banking Digital Transformation on MSME Performance
Co-Authors Lia Nazliana Nasution