LITERASI KEUANGAN SEBAGAI MODERASI TERHADAP PAYMENT GATEWAY DAN KINERJA KEUANGAN UMKM KULINER DI KOTA SEMARANG
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Institusion
Sekolah Tinggi Ilmu Ekonomi Bank Bpd Jawa Tengah
Author
Cahyaningrum, Eka
Subject
H Social Sciences (General)
Datestamp
2023-07-04 01:58:53
Abstract :
MSMEs have an important role in Indonesia's economic growth. However, in this technological era, MSMEs must be able to adapt to market needs that are constantly changing over time. Payment Gateway is a technology that provides ease and speed of transactions. The purpose of this study is to determine the effect of Payment Gateway and financial literacy on the financial performance of MSMEs. This study uses a quantitative approach, and data collection techniques through direct questionnaires or Google from involving 100 respondents. The population in this study are Culinary MSMEs in Semarang City. The analysis technique used in this study is SEM (Structural Equation Model) using Smart Partial Least Square (SmartPLS) 4 software. Based on the results of this study it shows that Payment Gateway and financial literacy have a positive and significant effect on MSME financial performance, and financial literacy as a moderation weakens the influence of the Payment Gateway on the financial performance of MSMEs.
MSMEs have an important role in Indonesia's economic growth. However, in this technological era, MSMEs must be able to adapt to market needs that are constantly changing over time. Payment Gateway is a technology that provides ease and speed of transactions. The purpose of this study is to determine the effect of Payment Gateway and financial literacy on the financial performance of MSMEs. This study uses a quantitative approach, and data collection techniques through direct questionnaires or Google from involving 100 respondents. The population in this study are Culinary MSMEs in Semarang City. The analysis technique used in this study is SEM (Structural Equation Model) using Smart Partial Least Square (SmartPLS) 4 software. Based on the results of this study it shows that Payment Gateway and financial literacy have a positive and significant effect on MSME financial performance, and financial literacy as a moderation weakens the influence of the Payment Gateway on the financial performance of MSMEs.
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