Analysis of Financial Inclusion and Technology about Implementation of Coastal MSMEs in Sumenep, Madura
https://doi.org/10.35877/454RI.daengku3845
Keywords:
financial inclusion, financial technology, performance
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Abstract
The goal of this study is to test aspects of financial inclusion and technology side on MSME implementation in Madura. This study was conducted in Sumenep with the object of research being the MSME sector in Pesisir Sumenep. The collection data method is done by spreading questionnaires and observations. Data compilation using regression analysis techniques to test the hypothesis. According to research results, the financial inclusion and technology variables have a positive and significant impact on the performance of SMEs in Sumenep Coast, Madura. Financial inclusion and technology have great potential to drive inclusive and sustainable economic growth through expanding access to financial services and technology for MSMEs, which can reduce inequality and encourage innovation, so the government has to continue to support development infrastructure for financial inclusion and technology for MSMEs.
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Aribawa, D. (2016). Pengaruh literasi keuangan terhadap kinerja dan keberlangsungan UMKM di Jawa Tengah. Jurnal Siasat Bisnis, 20(1), 1–13.
Bank Indonesia. (2014). Booklet keuangan inklusif. Jakarta: Bank Indonesia.
Bank World. (2010). Peningkatan Akses terhadap Jasa Keuangan: Analisis dan Ideide bagi para Penyusun Kebijakan.
Dewi, I. K., R.Pandin, M. Y., & Daeng GS, A. (2022). Peningkatan Kinerja Umkm Melalui Pengelolaan Keuangan. JEA17: Jurnal Ekonomi Akuntansi, 7(01), 23–36. https://doi.org/10.30996/jea17.v7i01.6551
Dewi, M. A. (2020). Dampak Fintech Terhadap Perkembangan Inklusi Keuangan Pada UMKM Di Jawa Timur. Gorontalo Accounting Journal, 3(2), 68–83.
Duygulu, E., Ozeren, E., Işıldar, P., & Appolloni, A. (2016). The sustainable strategy for small and medium sized enterprises: The relationship between mission statements and performance. Sustainability, 8(7), 698.
Eresia-Eke, C. E., & Raath, C. (2013). SMME Owners’ financial literacy and business growth.
Fajar, A. N. (2012). Peran Koperasi Dalam Program Inklusi Keuangan. INFOKOP Media Pengkajian KUMKM, 20, 56–73.
Florido, J. S. V., Adame, M. G., & Tagle, M. A. O. (2015). Financial Strategies, the Professional Development of Employers and Performance of SME’s (AGUASCALIENTES case). Procedia-Social and Behavioral Sciences, 174, 768–775.
Ghozali, I. (2016). Aplikasi analisis multivariete IBM SPSS 23. Badan Penerbit Universitas Diponegoro, Semarang.
Hogeforster, M. (2014). Future challenges for innovations in SMEs in the Baltic Sea Region. Procedia-Social and Behavioral Sciences, 110, 241–250.
Hudson, M., Smart, A., & Bourne, M. (2001). Theory and practice in SME performance measurement systems. International Journal of Operations & Production Management, 21(8), 1096–1115.
Iqbal, B. A., & Sami, S. (2017). Role of banks in financial inclusion in India. Contaduría y Administración, 62(2), 644–656.
Kusuma, M., Narulitasari, D., & Nurohman, Y. A. (2022). Inklusi Keuangan Dan Literasi Keuangan Terhadap Kinerja Dan Keberlanjutan Umkm Disolo Raya. Among Makarti, 14(2), 62–76. https://doi.org/10.52353/ama.v14i2.210
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Muzdalifa, I., Rahma, I. A., Novalia, B. G., & Rafsanjani, H. (2018). Peran fintech dalam meningkatkan keuangan inklusif pada UMKM di Indonesia (pendekatan keuangan syariah). Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 3(1), 1–24.
Rachman, M. A., & Salam, A. N. (2018). The reinforcement of zakat management through financial technology systems. International Journal of Zakat, 3(1), 57–69.
Rapih, S. (2015). Analisis pengaruh kompetensi sumber daya manusia, modal sosial dan modal finansial terhadap kinerja UMKM bidang garmen di Kabupaten Klaten. UNS (Sebelas Maret University).
Sanistasya, P. A., Raharjo, K., & Iqbal, M. (2019). Pengaruh literasi keuangan dan inklusi keuangan terhadap kinerja usaha kecil di Kalimantan Timur. Jurnal Economia, 15(1), 48–59. https://journal.uny.ac.id/index.php/economia
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Sekaran, U., & Bougie, R. (2017). Metode penelitian untuk bisnis: Pendekatan pengembangan-keahlian, edisi 6 buku 1.
Soetiono, K. S., & Setiawan, C. (2018). Indonesian Financial Literacy and Inclusion. Press Eagle.
Sudiarta, I. P. L. E., Kirya, I. K., & Cipta, W. (2014). Analisis faktor-faktor yang mempengaruhi kinerja Usaha Mikro Kecil dan Menengah (UMKM) di Kabupaten Bangli. Jurnal Manajemen Indonesia, 2(1).
Sulastri, L. (2016). Manajemen Usaha Kecil Menengah (C. T. L. Publishing (ed.)). LGM - LaGood’s Publishing.
Susilawati, E., & Puryandani, S. (2020). PENGARUH LITERASI KEUANGAN TERHADAP KEPUTUSAN STRUKTUR MODAL UMKM DENGAN INKLUSI KEUANGAN SEBAGAI PEMODERASI (Studi Pada UMKM Klaster Mebel dan Furnitur Kota Semarang). Solusi Fakultas Ekonomi USM, 18(2).
Wickham, P. A. (2006). Strategic entrepreneurship. Pearson education.
Published
2025-04-30
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Articles
How to Cite
Purnomo, A. S. D., & Kurriwati, N. (2025). Analysis of Financial Inclusion and Technology about Implementation of Coastal MSMEs in Sumenep, Madura. Daengku: Journal of Humanities and Social Sciences Innovation, 5(2), 277-286. https://doi.org/10.35877/454RI.daengku3845
Copyright (c) 2025 Arie Purnomo, Nirma Kurriwati
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
