PENGARUH FINANCIAL TECHNOLOGY PEER TO PEER LENDING DAN LITERASI KEUANGAN TERHADAP KINERJA UMK DI KOTA PADANG ( STUDI KASUS UMK DI KECAMATAN KOTO TANGAH )
Keywords:
MSE performance, fintech peer to peer lending, financial literacyAbstract
This study aims to examine the effect of funding on financial technology peer to peer lending and financial literacy on the performance of MSEs in Koto Tangah District. The sampling technique was convenience sampling with the number of respondents as many as 60 MSEs. Data was collected by distributing questionnaires with a five-point likert scale. The analytical method used to test the hypothesis used multiple linear regression with processing using Smart PLS software. The results showed that financial technology with peer to peer lending and financial literacy had a positive effect on the performance of MSEs in Koto Tangah District. The results of this study indicate that MSEs can use additional funding by using peer to peer lending that is officially registered with the OJK and improve their financial literacy in order to improve their business performance.References
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