Pengaruh Inklusi Keuangan, Financial Technology, dan Literasi Keuangan Terhadap Kinerja Keuangan UMKM di Kota Surabaya
Daftar Isi:
- This research was conducted on UMKM in the city of Surabaya. This study aims to examine the effects of financial inclusion, financial technology, and financial literacy on the financial performance of UMKM in the city of Surabaya. The variables used are financial inclusion, financial technology, and financial literacy as independent variables, while financial performance is the dependent variable. This type of research is primary research. The research method used in this study was a questionnaire. The tool used for data analysis in this study is to use application software in the form of SPSS 25. The analysis used includes instrument testing, normality test, classical assumption test, multiple linear regression analysis, coefficient of determination and hypothesis testing. The results show that financial inclusion, financial technology, and financial literacy have a significant effect on the financial performance of MSMEs in the city of Surabaya. The results of the study using the F test indicate that financial inclusion, financial technology, and financial literacy simultaneously affect the financial performance of UMKM in the city of Surabaya