The Effect of Financial Technology on the Performance of Micro, Small, and Medium Businesses

Q3 Economics, Econometrics and Finance

World Review of Entrepreneurship, Management and Sustainable Development Pub Date : 2022-04-26 DOI:10.37715/rme.v6i1.2442

S. Sumani, Ignatius Bryan Prasetya

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引用次数: 1

Abstract

Micro, small, and medium enterprises dominate the number of entrepreneurs in developing countries like Indonesia. Even though the scale enterprises are small, MSM entrepreneurs can’t be separated from tech- nology in the current era. Therefore, this study aims to analyze how finan- cial technology can affect the performance of Micro Small. and Medium Enterprises in Jakarta, Bogor, Depok, Tangerang and Bekasi. The data taken for this study is primary data obtained through the distribution of online questionnaires to MSM entrepreneurs in Jakarta, Bogor, Depok, Tangerang, and Bekasi. The number of samples in this study was 130 respondents with a non-probability sampling method with purposive sampling technique. The research data that has been obtained were analyzed using SPSS 26 software. The results showed that the use of financial technology did not significantly affect the performance of MSMEs. Meanwhile, financial tech- nology funding, cash back, or promos on products sold affects the perfor- mance of MSMEs. Maybe, it should be Micro, small, medium.

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金融科技对中小微企业绩效的影响

在印度尼西亚等发展中国家，微型、小型和中型企业在企业家数量上占主导地位。虽然企业规模较小，但在当今时代，男同性恋者创业者也离不开科技。因此，本研究旨在分析金融科技如何影响微小企业的绩效。雅加达、茂物、德波、丹格朗和勿加西的中型企业。本研究采用的数据是通过向雅加达、茂物、德波、丹格朗和勿加西的男男性行为者企业家发放在线问卷获得的原始数据。本研究样本数量为130人，采用非概率抽样方法，采用目的性抽样技术。使用SPSS 26软件对获得的研究数据进行分析。结果表明，金融科技的使用对中小微企业的绩效没有显著影响。同时，金融科技融资、返现、产品促销等方式也会影响中小微企业的绩效。也许，它应该是微型，小型，中型。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

World Review of Entrepreneurship, Management and Sustainable Development Economics, Econometrics and Finance-Economics and Econometrics

CiteScore

1.60

自引率

0.00%

发文量

期刊介绍： WREMSD is a multidisciplinary refereed journal on issues that will be central to management and sustainable development around the world. The general theme of WREMSD has been very carefully chosen to include business and entrepreneurship management and the challenges these represent in terms of global competitiveness and sustainable development. To achieve competitiveness in business and management, individuals and institutions need essential knowledge on a broad spectrum of concepts and issues that affect business around the world.