Analisis Penerapan Teknologi Finansial dan Inklusi Keuangan Terhadap Kinerja Usaha Mikro, Kecil dan Menengah (UMKM)
Abstract
Artikel kajian akademis ini membahas mengenai analisis penerapan teknologi keuangan dan
inklusi keuangan terhadap kinerja usaha mikro, kecil dan menengah (UMKM), dengan penelitian yang
menyoroti faktor-faktor teknologi keuangan dan inklusi keuangan yang mempengaruhi behavioral finance
terhadap kinerja UMKM. . Berdasarkan teori behavioral finance , temuan menunjukkan bahwa terdapat
hubungan positif antara teknologi finansial dan inklusi keuangan yang berpengaruh terhadap kinerja UMKM.
Penerapan fintech dan inklusi keuangan dapat menjadi strategi aplikatif bagi UMKM yang dapat
menawarkan potensi besar dalam mendukung kondisi keuangan UMKM. Melalui analisis ini, kami dapat
memberikan rekomendasi strategis yang dapat membantu UMKM mengatasi tantangan keuangan,
memperkuat posisi kompetitif, dan meningkatkan pertumbuhan dan keberlanjutan bisnis melalui
pemanfaatan fintech dan inklusi keuangan secara tepat dan efektif.
Kata Kunci: Behavioral Finance; teknologi keuangan ; Inklusi Keuangan; UMKM
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HUMANIS (Humanities, Management and Science Proceedings) is a national peer reviewed and open access journal that publishes significant and important research from all area of agroindustry.
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