Pengaruh Literasi Keuangan, Inovasi dan Fintech  terhadap Kinerja UMKM: Perspektif Financial Empowerment

Najmah Shafiatha  Arindea; Indah Kurniawati

doi:10.33395/owner.v10i4.3565

Authors

Najmah Shafiatha Arindea
✉ Corresponding author: 2200012026@webmail.uad.ac.id Universitas Ahmad Dahlan
Indah Kurniawati Universitas Ahmad Dahlan Yogyakarta

DOI:

https://doi.org/10.33395/owner.v10i4.3565

Keywords:

Financial Literacy, Innovation, Fintech, MSME Performance, Financial Empowerment

Abstract

The rapid advancement of digital technology has precipitated substantial shifts in how small and medium enterprises (SMEs) manage their day-to-day operations, particularly across three critical dimensions: financial oversight, refinement of business procedures, and the integration of technology-driven financial solutions commonly termed fintech. This investigation adopts a financial empowerment framework that synthesizes three prominent theoretical perspectives: Resource-Based View (RBV), Theory of Planned Behavior (TPB), and Technology Acceptance Model (TAM). The primary objective of this study is to assess the impact of financial literacy, innovative capacity, and fintech adoption on the overall performance of SMEs operating within Tanjungpandan District, Belitung Regency. This study implemented a quantitative research design utilizing purposive sampling methodology. A total of 121 participants were recruited based on predetermined eligibility criteria, including active engagement in financial decision-making processes, demonstrable familiarity with fintech platforms, and prior involvement in executing business innovations. The appropriate sample dimension was established through application of the Slovin formula. Data gathering was conducted via structured survey instruments, while analytical procedures incorporated descriptive statistical techniques, evaluation of measurement validity and reliability, diagnostic assessments of classical regression assumptions, and multivariate regression modeling utilizing SPSS statistical platform. The empirical findings reveal that financial literacy, innovation capability, and fintech adoption each demonstrate statistically significant positive relationships with MSME performance indicators. Further examination identified financial literacy as the most influential predictor, implying that enhancing financial cognitive capabilities can substantially optimize operational efficiency while strengthening strategic planning among MSMEs in Tanjungpandan. The adjusted coefficient of determination (Adjusted R²) of 49.1% signifies that collectively, these three variables account for nearly half of the variation observed in MSME performance outcomes..

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