Pengaruh Literasi Keuangan, Inklusi Keuangan, dan Teknologi Keuangan terhadap Kinerja UMKM Kuliner di Medan

Riza Deliyani Harahap (Universitas Islam Negeri Sumatera Utara)
Isnaini Harahap (State Islamic University of North Sumatra, Medan, Indonesia)
Nurlaila Nurlaila (State Islamic University of North Sumatra, Medan, Indonesia)

Jurnal Proaksi
Vol. 13 No. 3 (2026): 13 No. 3 (2026): Juli - September

Main Purpose - This study aims to examine the effects of financial literacy, financial inclusion, and financial technology on the performance of culinary micro, small, and medium enterprises (MSMEs) in Medan City. Method - This study employed a quantitative associative approach using primary data collected through questionnaires from 100 owners or managers of culinary MSMEs selected through purposive sampling. The data were analyzed using multiple linear regression with SPSS, supported by validity, reliability, classical assumption, and coefficient of determination analyses. Main Findings - Financial literacy does not have a significant effect on culinary MSME performance, indicating that financial knowledge alone may not improve business outcomes when it is not consistently translated into effective financial management practices. In contrast, financial inclusion and financial technology have positive and significant effects on MSME performance. Access to formal financial services supports working-capital management and financial flexibility, while digital financial technology facilitates transaction efficiency and business operations. Theory and Practical Implications - The findings are consistent with the Resource-Based View by showing that financial access and technological capabilities can function as strategic resources for MSME performance, while the Technology Acceptance Model provides a supporting perspective for interpreting the utilization of financial technology. Practically, culinary MSME development should combine applied financial-management assistance, broader access to formal financial services, and effective adoption of digital financial technology. Novelty - This study provides contextual empirical evidence that distinguishes financial knowledge from actual financial access and technological capabilities used by culinary MSMEs. Unlike previous studies that generally report a positive relationship between financial literacy and MSME performance, this study finds no significant direct relationship between financial literacy and performance, whereas financial inclusion and financial technology demonstrate stronger empirical relationships with the performance of culinary MSMEs in Medan City.