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All Journal International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Formosa Journal of Multidisciplinary Research (FJMR) IECON: International Economics and Business Conference
Abu Naim
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Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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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 Adam Julpahmi Adam Zulfahmi Adelia Dwi Valentin Aditiya Nugroho Ahmad Pauji Alfito Anhar Alyssa Indriani Andika Mugi Gumilang Annisa Risqi Sulistya Kusuma Wardhani Biyan Imtiyaz Syafi Abdillah Dadang Danu Noval Ramadhoni Dindin Aminudin Dini Nur Hidayah Ervina Yennie Permananingrum Ervina Yennie Permanningrum FACHMI AL FAROQI Fery Updi Helmas Septiyo Hadi Herdaffa Parama Putra Hilmy Faiz Abdillah Ikraman Ilwin Hadi Isma Wahyu Yunian Kansha Dwi Nuraini Kyla Putri Ardelia Mardi Muhammad Galang Arraji Muhammad Riyadhul Alifia Nirfison Nor Fatah Ulinnuha Purwani Husodo Resy Perwithasari Rina Ambarwati Sapriyadi, Wandi Sartono Sena Atmaja Siti Fatimatul Zuhro Siti Maesaroh Soesilo, Rahman Tia Nabila