The Impact of Financial Technology (Fintech) and Self-Control on Financial Management among Micro Business Actors in the Depok City-West Java

Jamal Hanaffy (Mitra Bangsa University)

Inovbiz : Jurnal Inovasi Bisnis
Vol 13 No 2 (2025)

This research aims to determine whether financial technology and self control have a significant effect on financial management among MSME actors in the Depok area. The sampling technique used is purposive sampling. Data collection was conducted using questionnaires distributed to 230 MSME actors in the Depok area. The data analysis technique uses multiple linear regression analysis. The partial t-test results show that each variable, financial technology and self control  has a positive and significant effect on financial management among MSME actors in the Depok area. Furthermore, the F-test results significantly indicate that financial technology and self control have a positive and significant effect on financial management among MSME actors in the Depok area. The R Square value is 64.6%, meaning the remaining 35.4% is influenced by other variables not studied in this research. Based on the analysis results, it is concluded that financial technology and self control impact financial management among MSME actors in the Depok City-West Java.