PENGARUH FINTECH DAN E-COMMERCE TERHADAP KEPUASAN KEUANGAN PADA PELAKU UMKM
DOI:
https://doi.org/10.51903/manajemen.v1i2.146Keywords:
Financial technology, E-commerce, Financial satisfaction, SalatigaAbstract
This study aims to see how much influence the financial technology variable with the e-commerce variable has on the financial satisfaction variable in the city of Salatiga, Central Java province. Data collection was carried out for one month using Googleform to find out answers related to research variables and respondent biodata. Respondents consist of SMEs in the city of Salatiga with a total of 100 respondents. The assessment of the answers to the questionnaire uses a Likert scale. The data analysis method used multiple linear regression assisted by SPSS 23 software to process it. The final result shows that financial technology and e-commerce variables have a significant influence on financial satisfaction. The e-commerce variable is the most dominant in achieving optimal financial satisfaction for respondents.
References
[2] P. Purwanto and A. R. Fachrizi, “Pengaruh Financial Technology Terhadap Kepuasan Keuangan Pada UMKM Di Kabupaten Pamekasan,” Ekombis Sains J. Ekon. Keuang. dan Bisnis, vol. 6, no. 1, pp. 21–28, 2021.
[3] J. W. Chandra and G. Memarista, “Faktor-Faktor yang Mempengaruhi Financial Satisfaction pada Mahasiswa Universitas Kristen Petra,” Finesta, vol. 3, no. 2, pp. 1–6, 2015.
[4] M. W. Affan and A. Widyastuti, “Perilaku UMKM Dalam Menggunakan Fintech: Fokus Regulatory dan Mitigasi Risiko,” J. Apl. Bisnis dan Manaj., vol. 8, no. 1, pp. 100–107, 2022.
[5] Y. Mustikasari and A. Noviardy, “Pengaruh Financial Technology Dalam Meningkatkan Literasi Keuangan Usaha Mikro Kecil dan Menengah Kota Palembang,” JIBM (Jurnal Ilm. Bina Manajemen), vol. 3, no. 2, pp. 147–155, 2020.
[6] E. N. Sugiarti, N. Diana, and M. C. Mawardi, “Peran fintech dalam meningkatkan literasi keuangan pada Usaha Mikro Kecil Menengah di Malang,” J. Ilm. Ris. Akunt., vol. 8, no. 4, 2019.
[7] F. A. Hakim, E. Sunarti, and T. Herawati, “Manajemen Keuangan dan Kepuasan Keuangan Istri pada Keluarga dengan Suami Istri Bekerja,” J. Ilmu Kel. dan Konsum., vol. 7, no. 3, pp. 174–182, 2014.
[8] S. Ayu and A. Lahmi, “Peran E-commerce Terhadap Perekonomian Indonesia Selama Pandemi Covid-19,” J. Kaji. Manaj. Bisnis, vol. 9, no. 2, p. 114, 2020.
[9] D. Kurniawan, P. A. Maulan, and E. Zusrony, “Analysis Of E-Commerce Consumer Satisfaction Level With The Technology Acceptance Model (TAM),” Int. J. Econ. Bus. Account. Res., vol. 5, no. 4, pp. 133–142, 2021.
[10] S. N. Khafidloh, S. Hermuningsih, and A. Maulida, “Peran Fintech Terhadap Perkembangan UMKM di Yogyakarta,” Inov. J. Manaj., vol. 10, no. 2, pp. 93–99, 2021.
[11] A. Ferdinand, Metode Penelitian Manajemen: Pedoman Penelitian Untuk Penulisan Skripsi,Tesis Dan Disertasi Ilmu Manajemen. Edisi kelima. 2014.
[12] I. Ghozali, Aplikasi Analisis Multivariete Dengan Program IBM SPSS 23 (Edisi 8). Cetakan ke VIII. 2016.