Pengaruh Financial Literacy Dan Penggunaan Financial Technology Terhadap Financial Perfomance UMKM Di Kota Surakarta Melalui Financial Behavior Sebagai Variabel Mediasi
DOI:
https://doi.org/10.37385/msej.v7i1.10039Keywords:
financial behavior, financial literacy, financial perfomance, financial technology, UMKMAbstract
Riset ini menelusuri dinamika pengaruh financial literacy dan adopsi financial technology terhadap financial performance UMKM di Surakarta, dengan financial behavior ditempatkan sebagai mediator potensial. Menggunakan paradigma kuantitatif-eksplanatoris, data primer dikoleksi melalui kuesioner daring dan tatap muka dari 100 responden UMKM yang telah mengintegrasikan layanan fintech. Analisis PLS-SEM melalui SmartPLS diterapkan, mencakup evaluasi outer model (validitas konvergen, diskriminan, reliabilitas) dan inner model (R², Q², f²), disertai pengujian hipotesis jalur langsung dan tidak langsung dengan threshold p<0,05. Hasil empiris mengindikasikan financial literacy secara substansial meningkatkan baik financial performance maupun financial behavior, sedangkan pemanfaatan fintech berimplikasi langsung terhadap financial performance tetapi tidak signifikan memengaruhi financial behavior; lebih lanjut, financial behavior gagal berfungsi sebagai mediator antara kedua determinan tersebut dengan kinerja keuangan. Temuan ini menegaskan bahwa augmentasi kapabilitas kognitif dan optimalisasi pemanfaatan teknologi menjadi prediktor dominan dalam peningkatan kinerja UMKM, sementara transformasi perilaku finansial saja tidak cukup menjadi katalis utama.
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