SKRIPSI PBS
PENGARUH EKSISTENSI FINANCIAL TECHNOLOGY TERHADAP PERKEMBANGAN UMKM DI KABUPATEN KARANGANYAR (Studi Komunitas UMKM JOOSS Karanganyar)
ABSTRACT The lack of fintech users in Indonesia can be seen from the 212,35 million of internet users in Indonesia only 13.473.084 who used fintech. Fintech is available to offer loan product with easier requirements and also provide payment services by online. This becomes the reason many individual or MSME users to use fintech. This research aims to determine how far is the role of Financial Technology (Fintech) on the development of MSME in Karanganyar Regency. This research used quantitative research method. Quantitative research method is a research that used objective approach, includes data collection and analysis using statistical testing method that is directed to answer problem formulation and test the hypothesis. The object in this research is the development of JOOSS Karanganyar MSME community members. The Result of research are Peer to peer lending fintech has a positive effect on the development of MSME. This means that if peer to peer lending fintech used by the actors of MSME increase, then the development of MSME will also increase. Fintech payment gateway has a positive effect on the development of MSME. This means that if fintech payment gateway used by the actors of MSME increase, then the development of MSME will also increase. The actors of MSME can pay more attention to the factors that give a big effect on the MSME development variable namely peer to peer lending fintech and fintech payment gateway thereby business/MSME can grow and develop better. Keywords: Technology, Internet, Indonesia, MSME
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