PENGARUH LITERASI KEUANGAN, INKLUSI KEUANGAN, DAN FINANCIAL TECHNOLOGY BERBASIS QRIS TERHADAP PENDAPATAN PELAKU UMKM PEREMPUAN DI KOTA PAGAR ALAM

Abstract

Women-led MSMEs play a crucial role in driving local economic growth, including in Pagar Alam City. However, challenges such as low financial literacy, limited access to formal financial services (financial inclusion), and suboptimal utilization of financial technology (fintech) hinder income growth. This study aims to analyze the influence of financial literacy, financial inclusion, and QRIS-based financial technology on the income of women-owned MSMEs in Pagar Alam City.This research employs a quantitative approach using a survey method, with data collected through questionnaires distributed to 280 women-led MSME respondents. The data were analyzed using Structural Equation Modeling with the Partial Least Squares (SEM-PLS) method via SmartPLS 4.0 software.The findings reveal that: (1) Financial literacy has a significant negative effect on MSME income; (2) Financial inclusion has a positive but not significant effect; and (3) QRIS-based financial technology has a significant positive effect on MSME income.These results suggest that the adoption of QRIS technology enhances efficiency and market reach, thereby positively impacting income. However, low financial literacy among women entrepreneurs remains a critical barrier to effective financial management. The implications of this study emphasize the need for practical and contextual financial training, as well as improved access to and understanding of digital financial tools to foster more inclusive economic participation. Furthermore, the study contributes to achieving the Sustainable Development Goals (SDGs), particularly in promoting gender equality and women’s economic empowerment.