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All Journal Al-Ibrah : Jurnal Pendidikan dan Keilmuan Islam IJHCM (International Journal of Human Capital Management) Jurnal Pemberdayaan Masyarakat Madani (JPMM) Jurnal Ilmiah Wahana Akuntansi JURNAL PENDIDIKAN TAMBUSAI Jurnal Crystal : Publikasi Penelitian Kimia dan Terapannya Jurnal Manajemen Informatika dan Sistem Informasi Jurnal FASILKOM (teknologi inFormASi dan ILmu KOMputer) JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (JHSSB) International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Review of Multidisciplinary Education, Culture and Pedagogy (ROMEO) Procedia of Social Sciences and Humanities Prosiding Seminar Nasional Pengabdian Kepada Masyarakat CASHFLOW : CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Journal of Management, Accounting, General Finance and International Economic Issues (MARGINAL) Journal of Indonesian Scholars for Social Research Jurnal Riset Pendidikan dan Pengajaran (JRPP) Research Trend in Technology and Management Luxury: Landscape of Business Administration Interconnection: An Economic Perspective Horizon Cendikia: Jurnal Pendidikan dan Pengajaran Chatra: Jurnal Pendidikan dan Pengajaran Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Akuntansi, Perpajakan dan Auditing Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi PENG: Jurnal Ekonomi dan Manajemen JPEMAS: Jurnal Pengabdian Kepada Masyarakat ETNOPEDAGOGI: Jurnal Pendidikan dan Kebudayaan Ekopedia: Jurnal Ilmiah Ekonomi Edu Komputika Journal MEFORAS: Jurnal Teologi dan Pendidikan Agama Kristen Pekayunan
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THE INFLUENCE OF FINANCIAL TECHNOLOGY (FINTECH) USAGE, FINANCIAL LITERACY, SAVING HABITS, AND CAPITAL STRUCTURE ON THE FINANCIAL CAPABILITY OF MSMES IN TANGERANG REGENCY Nor Fatah Ulinnuha; Abu Naim; Sapriyadi; Andika Mugi Gumilang; Ervina Yennie Permananingrum; Mardi
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 1 (2025): DECEMBER
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijset.v5i1.1408

Abstract

MSMEs in Tangerang Regency deal with a number of financial management issues, such as low financial literacy, poor saving practices, an uneven capital structure, and inefficient use of financial technology (Fintech). These circumstances affect MSMEs' limited ability to manage cash flow, secure capital, and sustain firm stability. This study aims to quantitatively analyse the influence of Fintech usage, financial literacy, saving habits, and capital structure on the financial capability of MSMEs in Tangerang Regency. The research method uses an associative approach with multiple regression analysis techniques applied to 200 MSME respondents selected through purposive sampling. The research instrument is a Likert scale that is evaluated using validity and reliability tests, while data analysis is carried out using SPSS using classical assumptions, t, and F tests. The study's findings indicate that the following variables—Fintech, financial literacy, kebiasaan menabung, and modal structure—have a positive and significant impact on UMKM's financial capabilities, both in a parallel and parallel manner. The Adjusted R-Squared value of 0.612 indicates that 61.2% of the financial variability can be explained by the developed model. This study highlights the importance of financial education, effective financial management, and the use of financial technology to increase UMKM's financial capabilities in the digital age. It is anticipated that this will serve as a catalyst for government agencies, financial institutions, and Fintech companies to develop more effective UMKM strategies
Co-Authors A. Rizky Ramaditya Amali Abdul Hamid Abdul Rahman Abu Naim Achmad Fauzi Adisty, Fairuznissa Pelita Aditya Pratama Aditya, Ilham Ahmad Tantoni Amrullah Andika Mugi Gumilang Anggraeni, Silvia Arvina Anggreani, Raden Andini Anlinia, Neiska Anwar, Febby Chaerisah Aprian, Farhan Habib Ardiansyah, Muklas Nur Armeliza, Diah Armi Damai Setiawan Asriadi Ati Sumiati ATI SUMIATI, ATI Baiq Yulia Fitriyani Bintang Saputra Corry Yohana Della Rosalynna Stiadi Desy Kurniawati Dewi Susita Dewi, Anisa Kurnia Dwi Handarini Dwi Handarini, Dwi Dwi Kismayanti Respati Eka Lidia Riska El Badry, Aminatud Dawa'a Ervina Yennie Permananingrum Fadila Suryani Fauzi , Ahmad Gandi, Muhammad Rajib Gatot Nazir Ahmad Handayani, Nur Ayu Hani Dahlia Hapzi Ali Hastuti Herman Hikmah, Umi Nurul I Gusti Ketut Agung Ulupui Isnaini, Zahrofa Dinillah Isnawati, Maulida Kaafah, Najwa Silmi Karlau, Sensius Amon Khairul Imtihan Kiki Haerani Koen Hendrawan Lailla, Nor Marsellisa Nindito Muhamad Rodi Muhammad Fauzi Zulkarnaen Muhammad Fawaiq Muhammad Sadat, Andi Muliasari, Indah Nita Sari, Nita Nor Fatah Ulinnuha Nuramalia Hasanah Pinkan, Friska Nabilla Punagi, Mirza Putri Ana, Aziza Putri, Nanda Eka Rachmadania, Riski Firdausi Rahayu Ningsih, Siti Rahayu Ningsih, Sri Rahmat Hidayat Ramadhanti, Tiara Zulfina Rante Tasak, Edie Rara Bahri, Rayhani Ratumbuisang, Laura Walanda Regina Pakpahan Respati, Dwi Kismayanti Rida Prihatni Rina Herlina Roni Faslah sahli Santi Susanti, Santi Sapriyadi, Wandi SAPUTRI, ANGGUN Sari, Ratmelia Septiani, Ane Tri Setyo Ferry Wibowo Shidiq, Muhammad Sri Indah Nikensari Sri Zulaihati Sri Zulaihati, Sri Sukma, Novianny SUSAN FEBRIANTINA, SUSAN Susi Indriani Sutjiptadi, Muhammad Mustaqim Tantular, Aulia Putri Tresnawati, Mei Ulupui, I.G.K.A Unggul Purwohedi Wahiddah Putri Yusfah Widya Parimita, Widya Wire Bagye Wire Bagye, Wire Bagye Wulandari, Arista Yunika Murdayanti, Yunika