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Muhammad Rezha Damargalih Tanjung
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Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Pengaruh Literasi Keuangan dan Financial Technology (Fintech) Terhadap Prilaku Keuangan pada UMKM di Kecamatan Kayuagung Muhammad Rezha Damargalih Tanjung; Dewi Sartika
Economic Reviews Journal Vol. 4 No. 2 (2025): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v4i2.694

Abstract

This research evaluates the influence of financial literacy and the use of financial technology (Fintech) on the financial behavior of MSMEs in Kayuagung District. Data was collected through a survey of 100 MSME respondents using a Likert-based questionnaire. The results of the analysis show that financial literacy has a significant influence on financial behavior, especially in financial planning, debt management and investment. Apart from that, financial literacy also has a significant influence on Fintech adoption, which increases the efficiency of financial management and access to financial services. The use of Fintech itself has a positive impact on the financial behavior of MSMEs, with Fintech strengthening the relationship between financial literacy and financial behavior.
Co-Authors Dewi Sartika