PENGARUH LITERASI KEUANGAN DAN INTERNAL LOCUS OF CONTROL TERHADAP KINERJA UMKM MELALUI IMPLEMENTASI FINANCIAL TECHNOLOGY SEBAGAI VARIABEL INTERVENING (STUDI KASUS PADA UMKM DI SENTRA IKM KABUPATEN GRESIK)

Ridho, Muhammad Syihabuddin (2025) PENGARUH LITERASI KEUANGAN DAN INTERNAL LOCUS OF CONTROL TERHADAP KINERJA UMKM MELALUI IMPLEMENTASI FINANCIAL TECHNOLOGY SEBAGAI VARIABEL INTERVENING (STUDI KASUS PADA UMKM DI SENTRA IKM KABUPATEN GRESIK). Undergraduate thesis, UPN Veteran Jawa Timur.

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Abstract

Micro, Small and Medium Enterprises (MSMEs) play an important role in driving a country's economic growth. MSMEs actors need to pay attention to various influencing factors in improving performance. However, MSMEs in Gresik Regency still face several challenges such as limited capital, fluctuating sales, and low utilization of digital technology. The majority of MSMEs still rely on personal capital and operate in conventional markets with limited purchasing power. The implementation of financial technology (fintech) offers a solution to improve financial management and increase the operational efficiency of businesses. This study aims to examine the effect of financial literacy and internal locus of control on MSME performance through the mediating role of financial technology implementation in MSMEs in the IKM Center of Gresik Regency. This research uses a quantitative approach method. The population in this study were 114 businesses in the SME Center in Gresik Regency. The sampling technique using purposive sampling obtained 89 respondents with the criteria (1) Business actors use financial technology in the form of QRIS payment applications, and (2) Active businesses have been running for at least 2 years. Data analysis techniques and hypothesis testing using the SEM-PLS method. The results stated that financial literacy can improve MSME performance and financial technology implementation, internal locus of control does not affect MSME performance, but is able to influence fintech implementation. Fintech implementation can affect MSME performance, fintech implementation cannot mediate the effect of financial literacy on MSME performance. However, fintech implementation can mediate the effect of internal locus of control on MSME performance.

Item Type:

Thesis (Undergraduate)

Contributors:

Contribution	Contributors	NIDN/NIDK	Email
Thesis advisor	Pertiwi, Tri Kartika	NIDN0020046307	tri.pertiwi.mnj@upnjatim.ac.id
Thesis advisor	Warmana, G. Oka	NIDN0805128503	oka.warmana.mnj@upnjatim.ac.id

Subjects:

H Social Sciences > HC Economics

Divisions:

Faculty of Economic > Departement of Management

Depositing User:

Muhammad Syihabuddin Ridho

Date Deposited:

08 Jul 2025 07:42

Last Modified:

08 Jul 2025 07:42

URI:

https://repository.upnjatim.ac.id/id/eprint/39268