PENGARUH LITERASI KEUANGAN, INKLUSI KEUANGAN DAN FINANCIAL TECHNOLOGY TERHADAP SUSTAINABILITAS UMKM (Studi Kasus Pelaku UMKM Mitra Mandiri Brebes)

Abstract

This study aims to determine the effect of financial literacy, financial inclusion, financial technology simultaneously on the sustainability of MSMEs. This type of research is quantitative. The population of this study is MSME actors using a sample of 86 respondents. The survey collection method is by distributing questionnaires to respondents both directly and online using google forms. The technique of determining the number of samples in the study used purposive sampling techniques. The analysis used is multiple linear analysis using the SPSS 25 program. The results stated that: 1) financial literacy has a partial effect on the sustainability of MSMEs with a contribution of 26.7%. 2) financial inclusion does not have a partial effect on the sustainability of MSMEs with a contribution of - 13.4%. 3) financial technology has a partial effect on the sustainability of MSMEs with a contribution of 28.8%. 4) financial literacy, financial inclusion, financial technology simultaneously affect the sustainability of MSMEs, this is evidenced by the F test results of 23,983. The sustainability of MSMEs can be explained by the variation of three independent variables of 44.8%.