金融技术承包和对UMKM财务行为的影响

Rudi Laksono, Junias Robert Gultom, Iwan Setyawan
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引用次数: 0

摘要

金融科技(fintech)的出现为各种便捷的商业活动带来了替代解决方案。然而,提供的解决方案仍然不能完全供中小微企业使用。印尼民众(包括中小微企业参与者)的金融素养指数较低,可以反映在中小微企业参与者的金融行为上,他们认为金融体系是理所当然的;记录企业的资金流动仍然很常见,而且做得很简单。基于此,本文旨在分析金融科技和金融素养对金融行为的影响,以及金融科技在金融素养对金融行为影响中的中介作用。为了找到答案,我们采用了一种调查方法,从东雅加达的Polugadung小工业村(PIK)的中小微企业中随机抽取200名受访者填写一份简单的问卷。数据分析采用偏最小二乘-结构方程模型。结果表明,金融科技和金融素养对金融行为有显著的正向影响。金融知识也对金融科技的使用产生积极影响,尽管其贡献非常低。金融科技只是金融知识和金融行为之间的部分中介。本研究的贡献在于,由于中小微企业的金融素养较低,在鼓励中小微企业发展方面增加金融科技使用的努力仍有待改进,因此需要密集和大量的努力来提供金融素养教育和培训。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Determinan Financial Technology (FinTech) dan Dampaknya Terhadap Perilaku Keuangan UMKM
The presence of financial technology (fintech) brings alternative solutions for smooth business activities with various easy access. However, the solutions offered are still not fully accessible for use by MSMEs. The low financial literacy index of the Indonesian people, including MSME players, can be reflected in the financial behaviour of MSME players who take the financial system for granted; recording business financial flows is still common and only done simply. Based on this, this article aims to analyze financial behaviour as the impact of FinTech and financial literacy, as well as the role of FinTech in mediating the influence of financial literacy on financial behaviour. To find the answer, a survey method was used by involving 200 respondents in filling out a simple randomly selected questionnaire from MSMEs in the Polugadung Small Industry Village (PIK), East Jakarta. Data were analyzed using Partial Least Square - Structural Equation Modeling. The results show that FinTech and financial literacy have a significant positive influence on financial behaviour. Financial literacy also positively influences the use of FinTech, although its contribution is very low. FinTech only acts as a partial mediator between financial literacy and financial behaviour. The contribution of this study is that efforts to increase the use of FinTech in encouraging the progress of MSME players still need to be improved by the low financial literacy of MSME players, so intensive and massive efforts are needed to provide financial literacy education and training.
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