Influence Financial Technology, Financial Literacy, and Intellectual capital on financial inclusion in Micro, Small and Medium Enterprises (MSMEs)
DOI:
https://doi.org/10.52728/ijtc.v3i4.572Keywords:
Intellectual Capital, Financial Literacy, Financial Inclusion, MSMEAbstract
Micro, Small and Medium Enterprises (MSMEs) grow and compete in a constantly changing business environment such as the current digital era, this change makes Micro, Small and Medium Enterprises (MSMEs) need follow-up for more advanced business development. Many found that Micro, Small and Medium Enterprises (MSMEs) that have been established have finally had to stop operating due to improper management. Of course, this is a joint concern considering that Micro, Small and Medium Enterprises (MSMEs) are the heart of economic development. Micro, Small and Medium Enterprises (MSMEs) are businesses with high GDP contributors and also new job seekers. The study was conducted by conducting preliminary observations by looking at the data on the number of Micro, Small and Medium Enterprises (MSMEs) in Lubuklinggau City totaling 5,303 registered in Lubuklinggau City. with data analysis technique use linear regression . As a result, there are significant influence between the variable.
References
Aaron, M., Rivadeneyra, F., & Sohal, S. (2017). Fintech: Is this time different? A framework for assessing risks and opportunities for central banks. In Bank of Canada Staff Discussion Paper (No. 2017–10; Staff Discussion Paper, Vol. 10). https://doi.org/10.34989/sdp-2017-10
Absah, Y., Chairunisa Muchtar, Y., & Qamariah, I. (2018). The Effect of Intellectual Capital on Business Performance in Micro-, Small-, and Medium Enterprise (MSME) in Medan City. KnE Social Sciences, 3(10), 177–186. https://doi.org/10.18502/kss.v3i10.3371
Anas, T., Mangunsong, C., & Panjaitan, N. A. (2017). Indonesian SME Participation in ASEAN Economic Integration. Southeast Asian Economies, 34(1), 77–117. https://doi.org/10.1355/ae34-1d
Anjaningrum, W. D. (2020). Efektivitas Digital Marketing Dan Networks Dalam Mendongkrak Kinerja Pemasaran UKM Di Masa Pandemi Covid-19. SENABISMA: Seminar Nasional Administrasi Bisnis Dan Manajemen, 5(7), 50–61. https://prosiding.polinema.ac.id/senabisma/index.php/senabisma/senabisma2020/paper/viewFile/28/16
Ansori, M. (2019). Perkembangan Dan Dampak Financial Technology (Fintech) Terhadap Industri Keuangan Syariah Di Jawa Tengah. Wahana Islamika: Jurnal Studi Keislaman, 5(1), 32–45. https://doi.org/10.5281/wahanaislamika.v5i1.41
Anwar, K. (2017). Pengaruh Inklusi Keuangan Terhadap Pdb Indonesia. Agustus, 2(3), 454–462.
Arner, D. W., Barberis, J. N., & Buckley, R. P. (2015). The Evolution of Fintech: A New Post-Crisis Paradigm? SSRN Electronic Journal. https://doi.org/10.2139/ssrn.2676553
Bank Indonesia. (2017). Peraturan Bank Indonesia (PBI) No.19/12/PBI/2017 tentang Penyelenggaraan Teknologi Finansial. In Bank Indonesia (pp. 1–27). Bank Indonesia. https://www.bi.go.id/id/publikasi/peraturan/Pages/pbi_191217.aspx
BFI Finance. (2022). What is Fintech: Definition, Types, List of Legal Fintech 2022. BFI Finance. https://www.bfi.co.id/en/blog/apa-itu-fintech-pengertian-jenis-manfaat-daftar-fintech-legal-2022
Chatterjee, S., Chaudhuri, R., Vrontis, D., & Thrassou, A. (2022). SME entrepreneurship and digitalization – the potentialities and moderating role of demographic factors. Technological Forecasting and Social Change, 179, 121648. https://doi.org/10.1016/j.techfore.2022.121648
Dewi, M. A. (2020). Dampak Fintech Terhadap Perkembangan Inklusi Keuangan Pada UMKM Di Jawa Timur. Gorontalo Accounting Journal, 3(2), 68. https://doi.org/10.32662/gaj.v3i2.973
Ghozali, I. (2016). Aplikasi Analisis Multivariete dengan Program IBM SPSS 23 (I. Ghozali (ed.); 8th ed.). Badan Penerbit Universitas Diponegoro. http://kin.perpusnas.go.id/DisplayData.aspx?pId=218217&pRegionCode=UN11MAR&pClientId=112
Haron, H., Said, S. B., Jayaraman, K., & Ismail, I. (2013). Factors Influencing Small Medium Enterprises (SMES) in Obtaining Loan. International Journal of Business and Social Science, 4(15), 182–195. https://ijbssnet.com/journals/Vol_4_No_15_Special_Issue_November_2013/25.pdf
Holle, M. H. (2019). Inklusi Keuangan: Solusi Pengentasan Kemiskinan Guna Daya Saing Perekonomian Bangsa. AMAL: Jurnal Ekonomi Syariah, 01(02), 1–14. https://jurnal.iainambon.ac.id/index.php/amal/article/view/1257
International Trade Administration. (2016). 2016 Top Markets Report Financial Technology: Overview and Key Findings. In U.S. Department of Commerce. https://legacy.trade.gov/topmarkets/pdf/Financial_Technology_Executive_Summary.pdf
Janita, I., & Chong, W. K. (2013). Barriers of B2B e-Business Adoption in Indonesian SMEs: A Literature Analysis. Procedia Computer Science, 17, 571–578. https://doi.org/10.1016/j.procs.2013.05.073
Kumala, R., & Junaidi, A. (2020). Strategi Bisnis Dan Pemanfaatan Kebijakan Pajak Di Masa Pandemi COVID-19 Dan Era New Normal (Studi Kasus Pelaku UKM Marketplace). Prosiding Seminar STIAMI, 7(2), 98–103. https://ojs.stiami.ac.id/index.php/PS/article/view/960
Leitner, K. H. (2011). The effect of intellectual capital on product innovativeness in SMEs. International Journal of Technology Management, 53(1), 1–18. https://doi.org/10.1504/IJTM.2011.037235
Marginingsih, R. (2021). Financial Technology (Fintech) Dalam Inklusi Keuangan Nasional di Masa Pandemi Covid-19. Moneter - Jurnal Akuntansi Dan Keuangan, 8(1), 56–64. https://doi.org/10.31294/moneter.v8i1.9903
Marini, M., Linawati, L., & Putra, R. E. (2020). Peran Fintech terhadap Inklusi Keuangan pada UMKM Tangerang Selatan. Keberlanjutan : Jurnal Manajemen Dan Jurnal Akuntansi, 5(2), 91. https://doi.org/10.32493/keberlanjutan.v5i2.y2020.p91-104
Martini, M., Sardiyo, S., Septian, R., Anggreni sy, D., & Nurdiansyah, D. (2021). Understanding of Financial Literacy as a Moderating Variable on the Effect of Financial Technology on Financial Inclusion in Lubuklinggau City, Indonesia. Journal of Economics, Finance and Accounting Studies, 3(2), 140–151. https://doi.org/10.32996/jefas.2021.3.2.14
Muhammad, M. Z., Char, A. K., Yasoa, M. R. bin, & Hassan, Z. (2009). Small and Medium Enterprises (SMEs) Competing in the Global Business Environment: A Case of Malaysia. International Business Research, 3(1), 66–75. https://doi.org/10.5539/ibr.v3n1p66
Mulasiwi, C. M., & Julialevi, K. O. (2020). Optimalisasi Financial Teknologi (Fintech) terhadap Peningkatan Literasi dan Inklusi Keuangan Usaha Menengah Purwokerto. Performance, 27(1), 12. https://doi.org/10.20884/1.jp.2020.27.1.2284
Nawaz, T. (2017). Islamic Banking: An Ultimate Source of Financial Inclusion. International Journal of Economics and Managemen Engineering, 11(8), 2047–2050. https://doi.org/10.5281/zenodo.1132198
Nkwabi, J., & Mboya, L. B. (2019). A Review of Factors Affecting the Growth of Small and Medium Enterprises (SMEs) in Tanzania. European Journal of Business and Management, 11(33), 1–8. https://doi.org/10.7176/EJBM/11-33-01
OJK. (2013). Salinan Surat Edaran Otoritas Jasa Keuangan Nomor 30 /Seojk.07/2017. Journal of Chemical Information and Modeling, 53(9), 1689–1699.
Otoritas Jasa Keuangan. (2020). Strategi Nasional Literasi Keuangan Indonesia (SNLKI) 2021 - 2025. In ojk.go.id (p. 378). Otoritas Jasa Keuangan. https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/Documents/Pages/Strategi-Nasional-Literasi-Keuangan-Indonesia-2021-2025/Strategi Nasional Literasi Keuangan Indonesia 2021-2025.pdf
Pulungan, D. R., & Ndruru, A. (2019). Pengaruh Literasi Keuangan dan Modal Sosial terhadap Inklusi Keuangan Mahasiswa. Seminar Bisnis Magister Manajemen (SAMBIS) 2019: Membangun Ekonomi Kreatif Yang Berdaya Saing, 132–142. https://publikasiilmiah.ums.ac.id/handle/11617/11081
Putra, A. H. (2018). Peran UMKM Dalam Pembangunan dan Kesejahteraan Masyarakat Kabupaten Blora. Jurnal Analisa Sosiologi, 5(2). https://doi.org/10.20961/jas.v5i2.18162
Rahayu, R., & Day, J. (2015). Determinant Factors of E-commerce Adoption by SMEs in Developing Country: Evidence from Indonesia. Procedia - Social and Behavioral Sciences, 195, 142–150. https://doi.org/10.1016/j.sbspro.2015.06.423
Rusdianasari, F. (2018). Peran Inklusi Keuangan melalui Integrasi Fintech dalam Stabilitas Sistem Keuangan Indonesia. Jurnal Ekonomi Kuantitatif Terapan, 11(2), 150. https://doi.org/10.24843/JEKT.2018.v11.i02.p10
Shafi, M., Liu, J., & Ren, W. (2020). Impact of COVID-19 pandemic on micro, small, and medium-sized Enterprises operating in Pakistan. Research in Globalization, 2, 100018. https://doi.org/10.1016/j.resglo.2020.100018
Sisilia, K., Peranginangin, Y., Setyorini, R., & Moeliono, N. (2015). A Framework of Affiliation Partnership between Univesity, SMEs, and Business Sector: A Case Study of PKBL Telkom, Indonesia. Procedia - Social and Behavioral Sciences, 169, 2–12. https://doi.org/10.1016/j.sbspro.2015.01.280
Srijani, N. K. (2020). Peran UMKM (Usaha Mikro Kecil Menengah) Dalam Meningkatkan Kesejahteraan Masyarakat. EQUILIBRIUM : Jurnal Ilmiah Ekonomi Dan Pembelajarannya, 8(2), 191. https://doi.org/10.25273/equilibrium.v8i2.7118
Starovic, D., & Marr, B. (2005). Understanding corporate value: managing and reporting intellectual capital. In Chartered Institute of Management Accountants (1st ed.). The Chartered Institute of Management Accountants (CIMA). http://www.cimaglobal.com/Documents/ImportedDocuments/tech_techrep_understanding_corporate_value_2003.pdf
Stewart, T., & Ruckdeschel, C. (1998). Intellectual capital: The new wealth of organizations. Performance Improvement, 37(7), 56–59. https://doi.org/10.1002/pfi.4140370713
Sujarweni, V. W. (2015). Metodologi Penelitian Bisnis dan Ekonomi (1st ed.). Pustaka Baru Press. https://opac.perpusnas.go.id/DetailOpac.aspx?id=1072785
Sulistiyarini, S. (2012). Pengaruh Minat Individu Terhadap Penggunaan Mobile Banking: Model Kombinasi Technology Acceptance Model (TAM) Dan Theory Of Planned Behavior (TPB). Jurnal Ilmiah Mahasiswa FEB, 1(2), 1689–1699. https://jimfeb.ub.ac.id/index.php/jimfeb/article/view/586
Trinh, Q. L., Morgan, P. J., & Sonobe, T. (2020). Investment behavior of MSMEs during the downturn periods: Empirical evidence from Vietnam. Emerging Markets Review, 45, 100739. https://doi.org/10.1016/j.ememar.2020.100739
Ulfatun, T., Udhma, U. S., & Dewi, R. S. (2016). Analisis Tingkat Literasi Keuangan Mahasiswa Fakultas Ekonomi Universitas Negeri Yogyakarta Tahun Angkatan 2012-2014. Pelita, XI(2), 1–13. https://journal.uny.ac.id/index.php/pelita/article/view/10924
Downloads
Published
How to Cite
Issue
Section
License
This work is licensed under a Creative Commons Attribution 4.0 International License.
