Pengaruh Digitalisasi Sistem Pembayaran Transaksi Dan Ketersediaan Dana Segar Terhadap Arus Kas Pelaku UMKM Kuliner di Aek Kanopan

Raja Saul Marto Hendry (Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Labuhanbatu)
Daslan Simanjuntak (Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Labuhanbatu)

Journal of Student Development Information System (JoSDIS)
Vol 6, No 2: JoSDIS | Juli 2026

This study aims to analyze the influence of transaction payment systems and the availability of liquid funds on the cash flow of Micro, Small, and Medium Enterprises (MSMEs) in the culinary sector in Aek Kanopan. The study employs a quantitative approach using a survey method. The research population consists of MSME operators in Aek Kanopan, with a sample size of 47 respondents. The independent variables are transaction payment systems and the availability of liquid funds, while the dependent variable is MSME cash flow. The results indicate that transaction payment systems and the availability of liquid funds each have a positive and significant partial effect on MSME cash flow. Simultaneously, transaction payment systems and the availability of liquid funds have a significant effect on MSME cash flow.