OPTIMALISASI KINERJA KEUANGAN UMKM BERBASIS EKONOMI SYARIAH

Abstract

This study is driven by the importance of improving the financial performance of Micro, Small, and Medium Enterprises (MSMEs). This study aims to explain the effect of Islamic financial literacy, e-commerce, and Islamic financial technology on MSMEs financial performance. This is quantitative research with the method used as a survey method.  In analyzing the data of this study using multiple linear regression analysis, coefficient of determination, f-test, and t-test. This study is located in Sumbawa with 100 samples. The results showed in this study that the tcount value of Islamic financial literacy variable was 0,583 < ttable 2,010, which has no significant effect, as shown by the value of Sig. 0,576 > 0,05. The e-commerce variable shows a tcount value of 1,796 < ttable 2,010 which has no significant effect and the value of Sig. 0,079 > 0,05. The Islamic financial technology variable shows tcount 2,438 > ttable 2,010 which is influential and the value of Sig. 0,018 < 0,05. Simultaneously, the variables of Islamic financial literacy, e-commerce, and Islamic financial technology affect the fiancial performance of MSMEs in Sumbawa City with a fcount 17,332 > ftable 2,79 and Sig. 0,001 < 0,05. The coefficient of determination of Adjusted R Square is 0,490 or 49% of MSMEs financial performance is influenced by Islamic financial literacy, e-commerce, and Islamic financial technology variables. While the remaining 51% is influenced by other variables outside of this study. Therefore, it can be concluded that the two variables of sharia financial literacy and e-commerce do not have a significant impact on improving the financial performance of financial performance of MSMEs in Sumbawa city. However, the use of sharia financial technology have a significant impact on improving the financial performance of MSMEs in Sumbawa city.