PENGARUH LITERASI KEUANGAN DAN PENGGUNAAN PAYMENT GATEWAY TERHADAP KINERJA KEUANGAN UMKM KULINER DI KECAMATAN MEDAN BARU
DOI:
https://doi.org/10.55338/jumin.v7i1.5294Keywords:
Literasi Keuangan, Payment Gateway, UMKMAbstract
The aim of this research is to examine the influence of financial literacy and the implementation of payment gateways on the financial performance of culinary MSMEs located in Medan Baru District. Using a quantitative approach with causal associative research methodology, this research involved 45 culinary MSMEs that have adopted payment gateways as samples. Data was collected through questionnaires and analyzed through multiple linear regression. Research findings show that financial literacy has a positive and significant impact on the financial performance of MSMEs, especially contributing to their ability to make more planned financial decisions. Apart from that, the impact of payment gateways plays an important role in increasing transaction efficiency and expanding market access. These two factors together can explain variations in the financial performance of MSMEs in the research location, with a coefficient of determination of 72.2%. This research emphasizes the importance of financial literacy and financial technology in strengthening the competitiveness of MSMEs in the digital era.
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