PENGARUH LITERASI KEUANGAN DAN FINANCIAL TECHNOLOGY TERHADAP PERILAKU KEUANGAN PADA PELAKU UMKM DI KECAMATAN CIANJUR

Authors

Vanissa Maharani Putri Universitas Jenderal Achmad Yani
Ferikawita Magdalena Sembiring Universitas Jenderal Achmad Yani

DOI:

Keywords:

Literasi Keuangan, Teknologi Keuangan dan Perilaku Keuangan

Abstract

Studi ini bertujuan untuk meneliti pengaruh literasi keuangan dan teknologi keuangan terhadap perilaku keuangan di kalangan pelaku UMKM di Kabupaten Cianjur. Penelitian ini menggunakan metode pendekatan kuantitatif deskriptif dan asosiatif. Dalam penelitian ini, sumber data primer digunakan. Jenis data yang digunakan dalam penelitian ini adalah data cross-sectional. Populasi dalam penelitian ini terdiri dari 6.707 UMKM, dan sampel mencakup 99 pelaku UMKM dengan menyebarkan kuesioner melalui Google Forms. Metode analisis data yang digunakan dalam penelitian ini adalah analisis regresi linier berganda. Hasil dalam penelitian ini menunjukkan bahwa literasi keuangan memiliki pengaruh terhadap perilaku financial technology keuangan memiliki pengaruh terhadap perilaku keuangan, dan literasi keuangan maupun financial technology memiliki pengaruh secara simultan terhadap perilaku keuangan. Penelitian ini memberikan kontribusi positif bagi peneliti masa depan dan praktisi UMKM. Untuk peneliti masa depan, disarankan untuk menambahkan variabel independen dan intervening. Diharapkan para pelaku UMKM dapat meningkatkan pengetahuan manajemen keuangan mereka dengan aktif berpartisipasi dalam lokakarya atau seminar yang terkait dengan manajemen keuangan, asuransi, dan investasi. Selain itu, tingkatkan pengetahuan tentang teknologi keuangan dengan mengikuti berita terbaru tentang perkembangan teknologi produk dan layanan keuangan saat ini.

Kata Kunci: Literasi Keuangan, Teknologi Keuangan dan Perilaku Keuangan

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