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All Journal Journal Of Management Science (JMAS) Bantenese Jurnal Pengabdian Masyarakat Budimas : Jurnal Pengabdian Masyarakat Abdiformatika: Jurnal Pengabdian Masyarakat Informatika IJCOSIN : Indonesian Journal of Community Service and Innovation Safari : Jurnal Pengabdian Masyarakat Indonesia Journal of Management and Social Sciences Prosiding Seminar Nasional Teknologi Informasi dan Bisnis eProceedings of Management MDP Student Conference Indo-Fintech Intellectuals: Journal of Economics and Business Jurnal Manuhara: Pusat Penelitian Ilmu Manajemen Dan Bisnis Journal of Digital Business Innovation Journal of Society, Community and Business Development Jurnal Riset dan Inovasi Manajemen
Chusnul Maulidina Hidayat
Institut Teknologi Telkom Purwokerto, Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mechanical Engineering Physics Public Health Social Sciences Transportation Other

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Dampak Penggunaan Teknologi Keuangan dan Literasi Keuangan Digital terhadap Kinerja Keuangan UMKM dengan Kompetensi Digital sebagai Variabel Moderasi HIDAYAT, CHUSNUL MAULIDINA; Tirta, Alexandro Damar; Sumunar, Kurnia Indah
MDP Student Conference Vol 5 No 1 (2026): The 5th MDP Student Conference 2026
Publisher : Universitas Multi Data Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35957/mdp-sc.v5i1.15504

Abstract

The development of digital technology encourages the use of Financial Technology (FinTech) as a strategy to improve the financial performance of Micro, Small, and Medium Enterprises (MSMEs). This study aims to analyze the effect of the use of Financial Technology and digital financial literacy on the financial performance of MSMEs with digital competence as a moderating variable. This study uses a quantitative approach with a survey method on MSMEs that have used FinTech services. Data were collected through a structured questionnaire using a Likert scale and analyzed using multiple linear regression analysis. The results show that the use of Financial Technology has a positive and significant influence on the financial performance of MSMEs. Conversely, digital financial literacy does not significantly influence the financial performance of MSMEs. Digital competence is not proven to moderate the influence of the use of Financial Technology or digital financial literacy on the financial performance of MSMEs, but has a positive and significant direct influence on the financial performance of MSMEs. This study emphasizes the importance of utilizing FinTech and strengthening practical digital competence in improving the financial performance of MSMEs in the digital economy era.
Analisis Peran Financial Technology dalam Meningkatkan Keuangan Inklusif pada UMKM di Kabupaten Banyumas Chusnul Maulidina Hidayat; Lina Fatimah Lishobrina; Maliana Puspa Arum
Jurnal Riset dan Inovasi Manajemen Vol. 1 No. 2 (2023): Mei: Jurnal Riset dan Inovasi Manajemen
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59581/jrim-widyakarya.v1i2.963

Abstract

The development of information technology supported by the rapid use of the Internet has created a number of fintechs that will make it easier for people to access financial services digitally. The aim of this research is to know the role of fintech against financial inclusion in UMKM in Banyumas. This research uses the method of literature study, by exploring and examining the results of previous research findings. The results of this research explain that financial technology can have a positive impact in increasing inclusive finance on UMKM in Banyumas.
Co-Authors Adi Nugroho, Irfan Afif Darmawan, Defandi Ahmad Fahreza Aswan Munang Azzam, Abyan Naufal Chlorita, Stania Gilbryan Ibrahim, Ramadhan Graciela Putri Wengkau Irfan, M.Dzakki Irwan Susanto Lina Fatimah Lishobrina Livia Irene Widianty Magdalena BR Pasaribu, Ichanita Maliana Puspa Arum Marsally, Silvia Van Maulid, Dhijar Mevadianti, Ersya MIFTAHOL ARIFIN, MIFTAHOL Muhammad Eka Purbaya Muntahanah, Siti Munthe, Adrian Wismar Pambudi, Muhammad Rizki Paradise, Paradise Pasaribu, Yulia Rahman Prasetyo Budi Wicaksana Prasetyo Hartanto Randikaparsa, Irawan Ratih Windu Arini Rezky Ramadhan B.K, Muh Putra Rusydie, Muhammad Hilman Selin Lestari Br Karo Silvia Van Marsally Sumunar, Kurnia Indah Tirta, Alexandro Damar Wijanarko, Ramafaiz Yusrina, Farah