The Effect of Financial Technology on the Financial Satisfaction of MSMEs in Malang

Authors

  • Erna Retna Rahadjeng Universitas Muhammadiyah Malang
  • Yulist Rima Fiandari Universitas Muhammadiyah Malang

DOI:

https://doi.org/10.22219/mb.v12i01.19218

Keywords:

MSME, Financial Technology, Financial Satisfaction

Abstract

This study aims to determine the effect of financial technology on financial satisfaction of Small Businesses (SMEs) in Malang City. By using primary data and random sampling, as well as using a questionnaire distributed to entrepreneurs and measured with a Likert scale. The collection of data on MSME respondents in the city of Malang is based on the distribution of questionnaires. The research objectives are as follows: To know the influence of Fintech on financial satisfaction?”. The analytical method used to determine the effect is to use simple regression statistics, with regression analysis tools used SPPS tools. The results obtained from the regression analysis show that there is a significant influence between Fintech variables on Financial Satisfaction. This is indicated by the value of the coefficient of determination (Adj.R-square) generated by the Fintech regression model (effect of feature convenience, social influence, performance expectations, system security and payment system drivers) on financial satisfaction of 0.565. Simultaneous testing of the hypothesis of the influence of Fintech variables (Ease of Features, Social Influence, Performance Expectations, System Security and Payment System Drivers) on Financial Satisfaction resulted in an F-test statistic of 26,716 with a probability of 0.000. This means that there is a simultaneous significant influence (together) with Fintech (Feasibility of Features, Social Influence, Performance Expectations, System Security and Payment System Drivers) on Financial Satisfaction.

Downloads

Download data is not yet available.

References

Ardiansyah, T. (2019). Model Financial Dan Teknologi (Fintech) Membantu Permasalahan Modal Wirausaha UMKM Di Indonesia. Majalah Ilmiah Bijak. https://doi.org/10.31334/bijak. v16i2.518

Fahmi, I. (2012). Analisis Kinerja Keuangan. Alfabeta.

Hira TK, M. O. (2000). Gender Differences In Financial Perception, Behavior,Satisfaction. Journal of Financial Counseling and Planning, 13(2), 86–92.

Kirbiš, I. Š., & Galić, Z. (2016). Relationship Between Financial Satisfaction and Financial Literacy: Exploring Gender Differences. STR, 305, 165–185. https://doi.org/10.5559/di. 26.2.02

Munawir. (2007). Analisa Laporan Keuangan (edisi 4). Liberty.

Priyatno, Duwi, 2014, “SPSS 22 Pengolah Data Terpraktis”, Edisi 1, Yogyakarta: ANDI.

Rahardjo, B., Khairul, I., & Siharis, A. K. (2019). Pengaruh Financial Technology (Fintech) Terhadap Perkembangan UMKM di Kota Magelang. Prosiding Seminar Nasional Dan Call For Papers, 347–356.

Sarwono, H. A. (2015). Profil Bisnis Usaha Mikro, Kecil Dan Menengah (Umkm). Bank Indonesia Dan LPPI.

Sugiyono. (2019). Metode Penelitian Kualitatif Kuantitatif dan R&D. Alfabeta. Sutrisno. (2001). Manajemen Keuangan Teori, Konsep dan Aplikasi. Ekonisia.

Syarifah, S., Winarno, W. W., & Putro, H. P. (2020). Analisis Karakteristik Penggunaan Aplikasi Peer To Peer Lending Fintech dengan Model PCI. Jurnal Media Informatika Budidarma, 4(2), 421. https://doi.org/10.30865/mib.v4i2.2059 www.bi.go.id. (n.d.). www.bi.go.id.

www.gojek.com. (n.d.). No Title. https://www.gojek.com/blog/gopay/bayar-lebih-mudah-pakai- go-pay/#:~:text=GoPay adalah uang elektronik atau,belanja online dengan menggunakan GoPay.

Www.shopee.id. (n.d.). No Title. https://shopee.co.id/inspirasi-shopee/pakai-shopeepay-layanan- uang-elektronik-transaksi-shopee/#:~:text=Hai%2C Sobat Shopee! Kamu sudah,dan untuk menyimpan pengembalian dana.

Downloads

Published

2022-04-09

Issue

Section

Articles