STRATEGY FOR MSME DEVELOPMENT USING FINANCIAL TECHNOLOGY TO INCREASE CAPITAL AND CONSUMERS

sutrisno, sutrisno STRATEGY FOR MSME DEVELOPMENT USING FINANCIAL TECHNOLOGY TO INCREASE CAPITAL AND CONSUMERS. Jurnal Darma Agung.

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Abstract

MSMEs are vital to the Indonesian economy. MSMEs face a number of development challenges, including funding sources, technology utilization, and marketing. The goal of this study is to determine the impact of financial technology on the growth of MSME businesses, either directly or indirectly, through the use of increased capital and the number of consumers as intervening variables, as well as to understand business development strategies through financial technology. The study was carried out in the city of Blitar, with data collected via questionnaires. Purposive sampling is used to select the sample, yielding 76 samples. SPSS software version 22.0, which included path analysis, was used for data analysis. The findings show that financial technology has a positive and significant impact on MSME business development, both directly and indirectly, by increasing capital and the number of consumers as intervening variables. As a result, financial technology can be one of the strategies for MSME business development. This research has practical implications because it will be used as a reference by various decision-makers, including the government, MSMEs, and fintech operators.

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