PENGARUH FINANCIAL TECHNOLOGY DAN LITERASI KEUANGAN TERHADAP KINERJA UMKM YANG DIMEDIASI PERILAKU MANAJEMEN KEUANGAN (STUDI KASUS UMKM SURABAYA)

Abstract

This research examines the effect of financial technology and financial literacy on the performance of UMKM that is mediated by financial management behavior (a Case Study in UMKM Surabaya). The research applies quantitatively with primary data. Furthermore, the population consists of UMKM Surabaya that is engaged in Food and Beverage (F&B). The data collection technique used random sampling with 100 respondents as a sample. Moreover, the data analysis technique used Partial Least Square (PLS) with Smart PLS 4.0. The result concludes that financial technology has a positive and significant effect on financial management behavior. Likewise, financial literacy has a positive and significant effect on financial management behavior. Additionally, financial technology has a positive and significant impact on UMKM performance. Similarly, financial literacy has a positive and significant effect on UMKM performance. Financial management behavior has a positive and significant effect on UMKM performance. In addition, financial management behavior cannot mediate financial technology on UMKM performance. In contrast, financial management behavior can mediate financial literacy on UMKM performance.