Pengaruh Financial Technology Berbasis QRIS dan Literasi Keuangan Terhadap Kinerja UMKM Sektor Perdagangan di Kabupaten Karangasem

Abstract

This situation led to a significant number of employees in the tourism sector losing their jobs, compelling them to transition to Micro, Small, and Medium-sized Enterprises (MSMEs), resulting in rapid growth, particularly within the trade sector. This trend is substantiated by data reflecting the performance of MSMEs in Bali Province. The factors influencing the performance of MSMEs include QRIS-based financial technology and financial literacy. The primary objective of this study is to examine the impact of QRIS-based financial technology and financial literacy on the performance of MSMEs within the trade sector of Karangasem Regency. The study's target population comprises the total number of SMEs operating in the trade sector of Karangasem Regency, which amounts to 47,220. The sample size for this research consists of 100 MSME participants, determined using the Slovin formula and analyzed through multiple linear regression techniques. The research findings demonstrate a positive relationship between QRIS-based financial technology and MSME performance, as well as a positive association between financial literacy and MSME performance. Based on the research results, it is advisable for SMEs in the Trade Sector of Karangasem Regency to enhance their understanding of Financial Technology and Financial Literacy to maximize their performance.