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All Journal Jurnal Ilmiah Manajemen dan Akuntansi
Kholidiah Kholidiah
Universitas Wijaya Kusuma Surabaya
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Other

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FINANCIAL TECHNOLOGY (FINTECH), LITERASI KEUANGAN, INKLUSI KEUANGAN DAN KINERJA UMKM DI KOTA SURABAYA Jasmine Shelomita Putri Hasibuan; Kholidiah Kholidiah
Jurnal Ilmiah Manajemen dan Akuntansi Vol. 3 No. 4 (2026): Juli : Jurnal Ilmiah Manajemen dan Akuntansi
Publisher : CV. Denasya Smart Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69714/cy135f31

Abstract

  This study aims to examine and analyze the effect of Financial Technology (Fintech), financial literacy, and financial inclusion on the performance of Micro, Small, and Medium Enterprises (MSMEs) in Surabaya City. The development of digital technology has driven changes in public transaction behavior and requires MSME actors to adapt through the utilization of technology-based financial services, improvement of financial knowledge, and broader access to formal financial services. This study employed a quantitative approach using a survey method through the distribution of questionnaires to MSME owners in Surabaya City who had utilized Financial Technology (Fintech) services. The sampling technique used was purposive sampling, with a total of 155 MSME respondents. The collected data were analyzed using multiple linear regression with the assistance of IBM SPSS Statistics version 25. The results indicate that Financial Technology (Fintech) has a positive and significant effect on MSME performance. Financial literacy also has a positive and significant effect on MSME performance. Furthermore, financial inclusion has a positive and significant effect on MSME performance. Simultaneously, Financial Technology (Fintech), financial literacy, and financial inclusion have a significant effect on the performance of MSMEs in Surabaya City.
Co-Authors Jasmine Shelomita Putri Hasibuan