@thesis{thesis,
		author={Zanah  Dewi Noor},
		title ={Pengaruh Inklusi Keuangan, Literasi Keuangan, Terhadap Kinerja Umkm Dengan Penggunaan Financial Technology Sebagai Variabel Intervening Pada UMKM Di Kabupaten Kudus},
		year={2024},
		url={http://eprints.stiebankbpdjateng.ac.id/1784/},
		abstract={This quantitative research was conducted to determine the effect of financial inclusion and 
financial literacy on MSME performance, to determine the effect of financial inclusion and 
financial literacy on financial technology, to determine the effect of financial technology on MSME 
performance, and to determine the effect of financial inclusion and financial literacy on MSME 
performance mediated by financial technology. The sample tool was taken from MSME players in 
Kudus Regency. The accidental sampling method was used to collect data, using questionnaires 
distributed to 93 business people. Primary data is processed through the SmartPLS 4.0 
application. The results showed that financial inclusion has a positive and significant effect on 
MSME performance, financial literacy has no positive and significant effect on MSME 
performance, financial inclusion has no positive and significant effect on the use of financial 
technology, financial literacy has a positive and significant effect on the use of financial 
technology, the use of financial technology has a positive and significant effect on MSME 
performance, financial inclusion has no positive and significant effect on MSME performance 
through the variable use of financial technology, and financial literacy has a positive and 
significant effect on MSME performance through the variable use of financial technology.
Keywords: financial inclusion, financial literacy, use of financial technology, MSME 
performance.}
		}