SKRIPSI PBS
PENGARUH LITERASI KEUANGAN, FINANCIAL TECHNOLOGY, DAN INKLUSI KEUANGAN TERHADAP KINERJA KEUANGAN UMKM HALAL DI KABUPATEN KARANGANYAR
ABSTRACT The research aims to determine the effect of financial literacy, financial technology, and financial inclusion on the financial performance of halal micro, small and medium enterprises in Karanganyar Regency. This research is a quantitative research. Micro, small and medium enterprises in Karanganyar Regency, totaling 1,852, are part of the population and the number of samples in this study were 100 respondents to halal micro, small and medium enterprises in Karanganyar Regency. Non-probability sampling is part of the sampling technique using the purposive sampling method with the criteria of halal micro, small and medium enterprises domiciled in Karanganyar Regency which are owned and managed by the community, are still running today, and have or are currently using financial technology -based payment facilities. Primary data was obtained from distributing questionnaires to 100 halal micro, small and medium enterprises in Karanganyar Regency. Data collection techniques in this study used questionnaires and documentation as well as multiple linear regression analysis in the analysis technique. The results showed that financial literacy had a positive and significant effect on the financial performance of halal micro, small and medium enterprises in Karanganyar Regency, financial technology had a positive and significant effect on the financial performance of halal micro, small and medium enterprises in Karanganyar Regency, and financial inclusion has a positive and significant effect on the financial performance of halal micro, small and medium enterprises in Karanganyar Regency. Keywords: Financial Literacy, Financial Technology, Financial Inclusion, Financial Performance of Halal Micro, Small and Medium Enterprises
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