Pengaruh Literasi Keuangan, Payment Gateway, Peer to Peer Lending Terhadap Kinerja UMKM Kecamatan Medan Baru

Abstract

Indonesia has the potential for a large and strong national economic base because the number of small and medium businesses, especially micro businesses, is very large and has a high labor absorption capacity. In order for micro businesses to develop into medium businesses, business actors must try to improve their business. The development of the current technological era makes information and knowledge easily accessible and has given rise to new innovations such as payment gateways and peer to peer lending. If access to technology and information is utilized well, especially for MSME players, the performance of MSMEs will be better. This research aims to determine and analyze the influence of financial literacy, payment gateways, and peer to peer lending on the performance of MSMEs in Medan Baru District. This research is associative research and the type of data used is quantitative data. The population in this research is MSMEs in Medan Baru District which use payment gateways and peer to peer lending with a sample size of 60 MSME respondents. The data analysis technique uses multiple linear regression analysis. The results of this research show that financial literacy has a positive and significant effect on the performance of MSMEs in Medan Baru District, payment gateway has a positive and significant effect on the performance of MSMEs in Medan Baru District, and peer to peer lending has a positive and significant effect on the performance of MSMEs in Medan Baru District.