PENGARUH FINANCIAL TECHNOLOGY DAN E-COMMERCE TERHADAP KINERJA UMKM SERTA PANDANGANNYA DALAM ETIKA BISNIS ISLAM

Abstract

This research aims to determine the influence of Financial Technology and E-commerce on the performance of MSMEs in Kebumen District which are registered with the Kebumen KUKM Disperindag. This research uses a quantitative approach with a data sampling technique using purposive sampling. The number of samples in this study was 89 who were registered with the Kebumen KUKM Disperindag and were engaged in the home industry sector and were located in Kebumen District. The data analysis technique used is IBM SPSS Statictic 25. Based on testing, it shows that financial technology partially has a significant effect on the performance of MSMEs with a calculated t value of 4.387 > t table 1.987. E-commerce partially influences tcount 7.488 > ttable 1.987. Together, financial technology (fintech) and e-commerce have a significant effect on the performance of MSMEs with a calculated F value of 18.551 > Ftable 3.10 with a significance level of 0.00. The coefficient of determination value is 0.530 or 53%, which means that the financial technology (fintech) and e-commerce variables have an influence of 53%, while 47% is influenced by other variables not explained in this research.

Keywords: Financial Technology (fintech), E-commerce and UMKM performance

Abstrak

 

Penelitian ini bertujuan untuk mengetahui pengaruh dari Financial Technology dan E-commerce terhadap Kinerja UMKM di Kecamatan Kebumen Yang Terdaftar di Disperindag KUKM Kebumen. Penelitian ini menggunkaan pendekatan kuantitatif dengan teknik sampling data menggunakan purposive sampling. Jumlah sample pada penelitian ini berjumlah 89 yang terdaftar di Disperindag KUKM Kebumen dan bergerak di bidang home industry dan berlokasi di Kecamatan Kebumen. Teknik Analisis Data yang digunakan yaitu menggunakan IBM SPSS Statictic 25. Berdasarkan pengujian menunjukan bahwa financial technology secara persial berpengaruh signifikan terhadap kinerja UMKM dengan nilai ^t _hitung 4,387 > ^t _tabel 1,987. E-commerce secara persial berpengaruh ^t_hitung 7,488 > ^t_tabel 1,987. Secara bersama-sama financial technology (fintech) dan e-commerce berpengaruh signifikan terhadap kinerja UMKM dengan nilai F_hitung adalah 18,551 > F_tabel 3,10dengan tingkat signifikansi 0,00. Nilai koefisien determinasi sebesar 0,530 atau 53% yang artinya bahwa variabel financial technology (fintech) dan e-commerce berpengaruh sebesar 53% sedangkan 47% dipengaruhi oleh variabel lain yang tidak dijelaskan dalam penelitian ini.

Kata Kunci: Financial Technology, E-commerce dan Kinerja UMKM