Efek Literasi Keuangan Dan Fintech Terhadap Perilaku Keuangan UMKM Kabupaten Pesisir Barat Lampung
DOI:
https://doi.org/10.61231/scy0x226Keywords:
Fintech, Literasi Keuangan, Perilaku Keuangan, UMKMAbstract
This study aims to examine how financial literacy and financial technology (fintech) impact the financial behavior of MSMEs in Pesisir Barat Regency, Lampung. The study is motivated by the fact that many MSME operators maintain only rudimentary records of cash inflows and outflows—or keep no records at all—and consequently fail to produce financial statements. This inability to properly assess financial performance hinders their capacity to make sound financial decisions and sustain business continuity, ultimately preventing them from achieving long-term prosperity. A quantitative approach was employed, involving 65 culinary MSME operators at the Labuhan Jukung Beach food court in Pesisir Barat Regency, selected via purposive sampling. Data were collected using Likert-scale questionnaires and analyzed through multiple linear regression using SPSS V26 software. The results indicate that financial literacy has a positive and significant partial effect on the financial behavior of MSME operators in the region. Conversely, fintech does not have a significant partial effect on their financial behavior. However, when considered simultaneously, financial literacy and fintech together exert a significant influence on the financial behavior of MSME operators in Pesisir Barat Regency, Lampung
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