Pengaruh Literasi Keuangan, Inklusi Keuangan, Fintech terhadap Sustainabilitas UMKM (Studi Kasus Pelaku UMKM Mitra Mandiri Brebes)

Abstract

This study aims to determine the effect of financial literacy, financial inclusion, financial technology on the sustainability of MSMEs. This type of research is quantitative. The population of this study is MSME actors with a sample of 86 respondents. The survey collection method is by distributing questionnaires to respondents both directly and online using google forms. The technique of determining the number of samples in the study by purposive sampling. The analysis used is multiple linear regression analysis using the SPSS program. The results stated that financial literacy affects the sustainability of MSMEs with a contribution of 26.7%; financial inclusion has no effect on the sustainability of MSMEs with a contribution of -13.4; Financial technology affects the sustainability of MSMEs with a contribution of 28.8%. The sustainability of MSMEs can be explained by the variation of three independent variables by 44.8%.