PENGARUH LITERASI KEUANGAN, INKLUSI KEUANGAN DAN FINANCIAL TECHNOLOGY TERHADAP KINERJA UMKM DI BREBES (STUDI KASUS PELAKU PAGUYUBAN UMKM REMOJONG BREBES)

Abstract

The research was conducted at the Remojong Brebes UMKM Association, Wanasari District, Brebes Regency. This study aims to determine the effect of financial literacy, financial inclusion and financial technology on the performance of SMEs. This research is a type of quantitative research. The data collection method used in this study was by means of interviews with the chairman of the Remojong Brebes SMEs association and distribution of questionnaires. The sample of this study were 86 SMEs actors, using non-probability sampling using purposive sampling technique. Data analysis in this study was multiple linear regression analysis with the help of SPSS version 25. The data obtained were in the form of primary data, for secondary data obtained from other media sources such as books and journals related to the focus of this research. The results of the study show that financial literacy has no significant effect on SMEs performance, financial inclusion has a significant effect on SMEs performance and financial technology has a significant effect on SMEs performance. Then for the simultaneous test result show that the variables financial literacy, financial inclusion and financial technology affect the performance MSMEs.