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Kuswanto, Maria Kusumaningtias (2026) Pengaruh Financial Technology (Fintech), Digital Accounting System (DAS), dan Literasi Keuangan Terhadap Kinerja Keuangan UMKM Kota Semarang. Sarjana (S1) thesis, Universitas BPD.

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Abstract

Micro, Small, and Medium Enterprises (MSMEs) play an important role in Indonesia’s economy, including in Semarang City. However, MSME financial performance still faces challenges due to low financial literacy and the suboptimal use of digital technology. This study aims to analyze the effect of Financial Technology (Fintech), Digital Accounting Systems (DAS), and financial literacy on the financial performance of MSMEs in Semarang City. This research uses a quantitative approach with primary data collected from 100 MSME owners through questionnaires. Data analysis was conducted using multiple linear regression. The results show that Fintech and financial literacy have a positive and significant effect on MSME financial performance, while DAS does not have a significant effect. Simultaneously, all variables significantly influence MSME financial performance
Keywords: Financial Technology, Digital Accounting System, Financial Literacy, Financial Performance, MSMEs

Item Type: Thesis (Sarjana (S1))
Additional Information: Usaha Mikro, Kecil, dan Menengah (UMKM) memiliki peran penting dalam perekonomian Indonesia, termasuk di Kota Semarang. Namun, kinerja keuangan UMKM masih menghadapi kendala akibat rendahnya literasi keuangan dan belum optimalnya pemanfaatan teknologi digital. Penelitian ini bertujuan untuk menganalisis pengaruh Financial Technology (Fintech), Digital Accounting System (DAS), dan literasi keuangan terhadap kinerja keuangan UMKM di Kota Semarang. Penelitian ini menggunakan pendekatan kuantitatif dengan data primer yang diperoleh melalui kuesioner kepada 100 pelaku UMKM. Analisis data dilakukan menggunakan regresi linier berganda dengan bantuan SPSS. Hasil penelitian menunjukkan bahwa Fintech dan literasi keuangan berpengaruh positif dan signifikan terhadap kinerja keuangan UMKM, sedangkan Digital Accounting System tidak berpengaruh signifikan. Secara simultan, Fintech, DAS, dan literasi keuangan berpengaruh signifikan terhadap kinerja keuangan UMKM.Kata kunci: Financial Technology, Digital Accounting System, Literasi Keuangan, Kinerja Keuangan, UMKM Kata kunci: Financial Technology, Digital Accounting System, Literasi Keuangan, Kinerja Keuangan, UMKM
Uncontrolled Keywords: Financial Technology, Digital Accounting System, Financial Literacy, Financial Performance, MSMEs
Subjects: H Social Sciences > HJ Public Finance
Divisions: Faculty of Law, Arts and Social Sciences > School of Law
Depositing User: Wisudawan S1
Date Deposited: 24 Aug 2026 22:51
Last Modified: 24 Aug 2026 22:51
URI: https://eprints.ubpd.ac.id/id/eprint/72

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