PENGARUH LITERASI KEUANGAN DAN FINANCIAL TECHNOLOGY TERHADAP PENGELOLAAN KEUANGAN PADA PELAKU UMKM

Abstract

This study aims to examine the effect of financial literacy and financial technology on financial management among MSMEs in Porong District. A quantitative approach was employed, involving 60 MSME owners selected through purposive sampling. Data were collected using questionnaires and analyzed with SPSS version 27 through validity and reliability tests, multiple linear regression analysis, t-test, and F-test. The results show that financial literacy has a positive and significant effect on financial management, while financial technology does not have a significant partial effect. Simultaneously, financial literacy and financial technology have a significant effect on financial management. The R-squared value of 0.232 indicates that 23.2% of the variation in financial management is explained by the two variables, while the remaining 76.8% is explained by other factors outside the model. Practically, MSME owners need to improve their financial literacy and use financial technology appropriately to support better financial management. Keywords: Financial Literacy; Financial Technology; Financial Management; MSMEs