IMPLEMENTASI FINANSIAL LITERASI DAN FINANSIAL TEKNOLOGI DALAM PENGELOLAAN KEUANGAN UMKM DI KABUPATEN KOLAKA

Authors

  • Fitri Kumalasari Fitri Universitas Sembilanbelas November Kolaka
  • Agus Zul Bay Universitas Sembilanbelas November Kolaka
  • Fetni Universitas Sembilanbelas November Kolaka
  • Perduti Lestari Rulimo Universitas Sembilanbelas November Kolaka

DOI:

https://doi.org/10.35817/publicuho.v7i2.449

Keywords:

Financial Literacy, Financial Technology, implementation, Micro, Small and Medium Enterprises (MSMEs)

Abstract

The current condition of micro, small, and medium enterprises is not as bad as it used to be. However, in this developmental process, micro, small, and medium enterprise managers face various challenges, including limited financial understanding and a lack of skills in applying technology for financial management. This study employs qualitative methods to understand the implementation of Financial Literacy and Financial Technology in managing micro, small, and medium enterprises' finances in Kolaka Regency using purposive sampling techniques. Qualitative descriptive data analysis techniques were used. According to Bogdan in Hardan et al. (2020), data analysis is a systematic process of collecting and describing information from various sources such as interviews, field notes, and other materials. The aim of this process is to facilitate a better understanding and communicate the results to others. Research shows that financial literacy and financial technology in managing MSME finances in Kolaka Regency are working well, helping MSMEs manage financial resources effectively and utilize digital payments to increase access to financial services and financial inclusion.

References

Aditya, T., & Mahyuni, L. P. (2022). Pengaruh literasi keuangan, persepsi kemudahan, manfaat, keamanan dan pengaruh sosial terhadap minat penggunaan fintech. Forum Ekonomi, 24(2), 245–258. https://doi.org/10.30872/jfor.v24i2.10330

Bintarto, E. A. (2018). Fintech dan cashless society: revolusi mendongkrak ekonomi kerakyatan. Call For Essays, 1–77.

Hamel, V. D., & Janis, A. I. (2018). Pendapatan Bank Pada Bank Sulut Cabang Tahuna ”. Jurnal Ilmiah Ekbank, 1.

La Ode Muhammad Elwan, Muhammad Yusuf, & La Ode Herman Halika. (2022). MINING POLICY CONFLICT: Recruitment of Local Workers in Morosi Industrial Estate, Konawe Regency, Southeast Sulawesi. Journal Publicuho, 5(3), 626–642. https://doi.org/10.35817/publicuho.v5i3.18

Mahendrawati, N. L. M., Sudarsono, Winarno, B., & Fadli, M. (2017). The Principle of Competition Balance In Indonesia’s Nationalism Framework. Journal of Law, Policy and Globalization, 62(2), 121–130. https://www.iiste.org/Journals/index.php/JLPG/article/view/38186

Migrasi Ekonomi Digital. (2017). In Jurnal Sains dan Seni ITS (Vol. 6, Issue 1). http://repositorio.unan.edu.ni/2986/1/5624.pdf%0Ahttp://fiskal.kemenkeu.go.id/ejournal%0Ahttp://dx.doi.org/10.1016/j.cirp.2016.06.001%0Ahttp://dx.doi.org/10.1016/j.powtec.2016.12.055%0Ahttps://doi.org/10.1016/j.ijfatigue.2019.02.006%0Ahttps://doi.org/10.1

Mulyanti, D., & Nurhayati, A. (2022). Penerapan Literasi Keuangan Dan Penggunaan Financial Technology Untuk Menilai Kinerja Keuangan Umkm Di Jawa Barat. Ekono Insentif, 16(2), 63–81. https://doi.org/10.36787/jei.v16i2.887

Natsir, M. S., Supriaddin, N., & Putera, A. (2023). Pengaruh literasi keuangan, inklusi keuangan dan financial technology terhadap kinerja keuangan pengusaha Muda di Kota Kendari. Jurnal Ekonomi, Manajemen Dan Akuntansi, 1, 53–71.

Octaviani Salsabella, & Handri. (2022). Pengaruh Literasi Keuangan dan Financial Technology terhadap Inklusi Keuangan. Bandung Conference Series: Business and Management, 2(1), 4159–4176. https://doi.org/10.29313/bcsbm.v2i1.2388

Pertiwi, U. M. (2020). Penerapan Financial Technology dan Peningkatan literasi keuangan Untuk Strategi Penguatan Bisnis UMKM di Kalimantan Barat. … Dari Https://Pascasarjanafe. Untan. Ac. Id …, 365–376. http://pascasarjanafe.untan.ac.id/wp-content/uploads/2021/01/34.pdf

Sari, D. L. (2022). Pengaruh Literasi Keuangan dan Financial Technology Terhadap Pengelolaan Keuangan Pada Pelaku UMKM di Marelan. Ekonomi Dan Bisnis, 15–16. http://repository.umsu.ac.id/handle/123456789/19121

Suryam Dora, D. (2017). KECERDASAN SPIRITUAL DAN LITERASI KEUANGAN DALAM PENGELOLAAN KEUANGAN KELUARGA DENGAN MEDIASI LOCUS OF CONTROL. STUDIES ON VARIATION IN MILK PRODUCTION AND IT’S CONSTITUENTS DURING DIFFERENT SEASON, STAGE OF LACTATION AND PARITY IN GIR COWS M.V.Sc D SURYAM DORA LIVESTOCK, 6–18.

Susanto, H., Wathan, H., & Fadhilah, D. (2021). Pengaruh efektivitas dan risiko terhadap minat bertransaksi pada fintech. Jurnal Konferensi Nasional Dan Engineering Polikteknik Negeri Medan, April, 257–262.

Utami, M. (2015). Pengaruh Aktivitas, Leverage, Dan Pertumbuhan Perusahaan Dalam Memprediksi Financial Distress. Universitas Negeri Padang, 3(1), 1–27.

Yuningsih, Y. Y., Raspati, G., & Riyanto, A. (2022). Pengaruh literasi keuangan dan financial technology terhadap keberlangsungan usaha pelaku UMKM. Mirai Management, 7(2), 531–540.

Zai, V. A. L., Harefa, I., Bu’ulolo, N. A., & Telaumbanua, A. (2024). Analisis Peran Teknologi Finansial dan Literasi Keuangan Dalam Meningkatkan Akses Inklusi Keuangan Pada UKM di Kota Gunungsitoli. Innovative: Journal Of Social Science Research, 4(2), 1511–1527.

Downloads

Published

2024-06-12

Issue

Vol. 7 No. 2 (2024): May - July - Journal Publicuho

Section

Articles

License

Copyright (c) 2024 Fitri Kumalasari Fitri, Agus Zul Bay, Fetni, Perduti Lestari Rulimo

Creative Commons License

This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

License Term
  1. Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
  2. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
  3. Every publication is open access for educational purposes, research, and library. Other than the aims mentioned above, the editorial board is not responsible for copyright violations.

Creative Commons License Journal Publicuho this work is licensed under  a Creative Commons Attribution-ShareAlike 4.0 International License

Copyright ©2022 Author Powered by Public Knowledge Project OJS