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All Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Heru Kustanto
Program Studi Manajemen, Institut Teknologi dan Bisnis Asia Malang
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Sinergi Literasi Keuangan dan Financial Technology dalam Meningkatkan Kapabilitas Pengelolaan Keuangan UMKM yuniar Fitriyani; Heru Kustanto
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 10 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i10.12408

Abstract

The purpose of this study is to examine how financial technology and financial literacy affect MSMEs' financial management in Malang. Questionnaires were distributed to 98 MSME respondents as part of the quantitative study technique. Multiple linear regression was carried out to interpret the data with the support of SPSS. The findings suggest that financial management is not significantly impacted by financial literacy. In the meantime, financial technology significantly affects financial management in a bad way. Financial technology and financial literacy both have an impact on MSMEs' financial management. The descriptive analysis's findings demonstrate that financial technology belongs to the "moderately literate" category, while financial literacy falls into the "literate" category. This suggests that issues affecting financial management include inadequate use of fintech and a lack of technological knowledge. Therefore, in order to assist improved MSME financial management, there has to be a greater awareness of and use of financial technology.
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