Pengaruh Adopsi Fintech, Literasi Keuangan, Digital Marketing, Inovasi Produk dan Modal Usaha terhadap Kinerja UMKM
(Studi pada UMKM di Desa Kalampa Kecamatan Woha)
DOI:
https://doi.org/10.53512/valid.v23i1.606Keywords:
adopsi fintech, financial literacy, digital marketing, product innovation, business capital, MSMEs performanceAbstract
This study aims to determine the influences that can affect the development of MSMEs in Kalampa Village. This type of research is quantitative. The sampling technique used in this study is a random sampling technique. The research sample was 49 Business Actors in Kalampa Village, Woha District. The test results show that partially fintech adoption, financial literacy, digital marketing, product innovation and business capital have a positive effect on MSMEs performance. With fintech adoption implemented, adequate financial literacy, MSMEs owners can identify and manage financial risks more effectively, thereby protecting the business from potential losses. By implementing Digital Marketing, MSMEs can expand market reach, increase interaction with customers, and build strong brand awareness. Product innovation allows MSMEs to create or develop products that are in accordance with market needs and trends, thereby increasing business competitiveness. Meanwhile, business capital provides the financial support needed to fund operational activities, production, and business development. The influence of the variables Fintech Adoption, Financial Literacy, Digital Marketing, Product Innovation, and Business Capital (independent variables) on MSMEs performance (dependent variable) is 71%, while the remaining 29% is contributed by other variables not included in the study, such as access to capital, work productivity, technology implementation, entrepreneurial orientation, and marketing access.
References
Aflagaly, D., & Kusumowati, D. (2025). Pengaruh e-wallet dan Digital Marketing terhadap kinerja keuangan UMKM. Jurnal Imiah Bisnis Dan Perpajakan, 7(1), 36–43.
Faiza, N. (2023). Pengaruh Pengelolaan Keuangan,Financial Technology, Inklusi Keuangan, Dan Modal Keuangan Dengan Literasi Keuangan Sebagai Mediasai Terhadap Kinerja UMKM Di Kota Pekanbaru. Skripsi.Universitas Islam Negeri Sultan Syarif Kasim Riau.
Kasendah, B. S., Wijayangka, C., Bisnis, P. A., Komunikasi, F., & Telkom, U. (2019). Pengaruh Keuangan Terhadap Kinerja UMKM. Jurnal Manajemen Dan Bisnis, 3(1), 153–160.
Lestari, T., Yulianto, A., Ikhwan, S., & Wahana, A. N. D. (2024). Pengaruh Literasi Keuangan, Digital Marketing, dan Sertifikasi Halal terhadap Peningkatan Kinerja UMKM (Studi Kasus pada UMKM Mitra Mandiri Brebes). JECMER: Journal of Economic, Management and Entrepreneurship Research, 2(3), 56–74. https://jurnal.eraliterasi.com/index.php/jecmer/article/view/185
Muyasaroh, A. L. (2023). Pengaruh Literasi Keuangan Terhadap Kinerja Bisnis UMKM di Desa Sumberhadi Kec.Melinting Kab. Lampung Timur. Skripsi,IAIN Metro.Metrouniv Repository.
Nenta, Y. A., & Astuti, T. D. (2023). Pengaruh Literasi Keuangan, Modal dan Inovasi Produk Terhadap. Jurnal Ilmiah Akuntansi Peradaban, IX(2), 210–229.
Oktaviani, W. (2025). Pengaruh Adopsi Teknologi Finansial (Fintech) terhadap Pertumbuhan UMKM. Jurnal Penelitian Ilmu-Ilmu Sosial, 3(2). https://doi.org/10.5281/zenodo.16936597
Putri, A., Arif, M., & Kunci, K. (2023). Pengaruh Digital Marketing Dan Inovasi Produk Terhadap Pendapatan. 6(1), 194–208.
Sugiyono. (2020). Metodologi Penelitian Kuantitatif, Kualitatif dan R & D.
Syakur, A., & Alijoyo, F. A. (2024). Pengaruh Strategi Digital Marketing , Inovasi Produk , Dan Modal Usaha Terhadap Pendapatan UMKM. Jurnal Swabumi, 5(2), 54–60.
Wibowo, S. E., Ruswanti, E., Januarko, U., Ekonomi, F., Unggul, U. E., & Jeruk, K. (2013). Pengaruh persepsi kualitas pelayanan terhadap niat pembelian ulang pada Toko Buku Gramedia Yogyakarta. Jurnal Ekonomi, 4(1), 56-64.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Ulfiyani Asdiansyuri, Yusi Faizatul Octavia
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
