Pengaruh Literasi Keuangan, Pemanfaatan Teknologi Informasi dan Inovasi Terhadap Kinerja Usaha Mikro Kecil Menengah (UMKM) Di Kecamatan Buleleng
DOI:
https://doi.org/10.32795/hak.v6i1.7508Keywords:
Financial Literacy, Utilization of Information Technology, Innovation, MSME PerformancesAbstract
The current performance of MSMEs can stimulate the economy, especially in Bali, to increase,
one of whichs is the high literacy of MSME managers about finance, being able to makes the best
usse of informations technology and having interesting innovations so as to improve the
performances of MSMEs. Thes aim of thiss ressearch is to determines the inflluence of financials
literacy, use of informatiosn technologys and innovation ons the performances of Micros, Small
and Medium Enterprises in Buleleng District. The number of samples required for this research
is 96 respondents. The techniques ussed in determininsg this sample is Random Sampling. The
data collections method in this ressearch is a questionnaire technique. The analyssis technique
uses multiples linear regression analyssis. The results of this research are 1) Financial literacy
influences MSME performances variables. This means that if financiall literacy increases, the
performances of Micros, Small and Medium Enterprisses (MSMEs) in Buleleng District will also
increase. 2) The usse of information technology influences the performances of MSMEs. This
means thats the increasing usse of informations technologys can improve the performances of
Micrso, Small and Medium Enterprisses (MSMEs) in Buleleng District. 3) Innovation influences
the performances of MSMEs. This means that the higsher the innovation, the more Micros, Small
and Medium Enterprisses (MSMEs) in Buleleng District can improve. The advice given is to use
the SIAPIK application which functions as a digital financial recording application which can
makes it easier for MSMEs to records their bussiness financial transactions without needing to
understand accounting rules and sell MSME products through e-commerce such as Shoppe or
Tokopedia, making it easier for employees to market MSME products.
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Peraturan Presiden Nomor 7 Tahun 2021 mengenai Kemudahan, Perlindungan, serta
Pemberdayaan Usaha Mikro serta Usaha Kecil
