<![CDATA[Pelaku UMKM tidak dapat dipisahkan dari isu perkembangan ekonomi digital yang berperan penting dalam menentukan tingkat keberhasilan UMKM. Target riset ini untuk menganalisis bagaimana literasi keuangan dan inovasi digital mempengaruhi kinerja keuangan UMKM. Riset ini mengaplikasikan teknik kuantitatif untuk menilai variabel bebas literasi keuangan (X1) dan inovasi digital (X2) atas variabel terikat kinerja UMKM (Y). Populasi UMKM Kuliner di Kecamatan Semarang Barat. Pengambilan sampel dilakukan secara purposive sampling. Pendekatan penghimpunan data dengan kuesioner diukur menggunakan skala likert. Metode penelaah menggunakan Partial Least Squares (PLS) melalui aplikasi SmartPLS 3.0. Literasi keuangan dan inovasi digital, menurut temuan penelitian, memberikan dampak positif dan signifikan terhadap kinerja UMKM. R square variabel kinerja UMKM sebanyak 0,606. Artinya variabel laten literasi keuangan dan inovasi digital dapat menjelaskan 60,6% variasi kinerja UMKM. Dan selebihnya 39,4% diterangkan oleh komponen yang tidak dikaji dalam riset ini. Implikasinya, pelaku UMKM mampu memperluas akses, meningkatkan pemodalan dan kinerja UMKM sehingga usahanya terus tumbuh dan berkelanjutan.MSME players cannot be isolated from the issue of digital economic development, which is critical in defining MSMEs' level of success. Investigating the effects of digital innovation and financial literacy on MSMEs' financial performance is the goal of this study. The independent variables financial literacy (X1) and digital innovation (X2) on the dependent variable MSME performance (Y) are assessed using quantitative methodologies in this study. Culinary MSMEs populate the West Semarang District. Purposive sampling was used to collect data. A Likert scale was used to assess the data-gathering strategy with a questionnaire. The review approach employs the SmartPLS 3.0 program and Partial Least Squares (PLS). Financial literacy and digital innovation, according to research findings, have a favorable and significant impact on MSME success. The R-square value for the MSME performance variable is 0.606. That is, 60.6% of the variance in MSME performance can be explained by the latent variables of financial literacy and digital innovation. The remaining 39.4% is explained by variables not examined in this study. The implication is that MSME players can broaden access, raise finance, and improve MSME performance, allowing their firms to develop and be sustainable. ]]>
Copyrights © 2024
