Pengaruh Sistem Keuangan Digital, Literasi Keuangan, Dan Akses Permodalan Terhadap Kinerja Keuangan Usaha Mikro, Kecil, Dan Menengah Di Kalimantan Selatan

Muhammad Rizalun Nashoha; Tesdiq Prigel Kaloka; Hamrani Hamrani

doi:10.62976/ierj.v4i2.1932

Authors

Muhammad Rizalun Nashoha Politeknik Hasnur
Tesdiq Prigel Kaloka Politeknik Hasnur
Hamrani Hamrani Politeknik Hasnur

DOI:

https://doi.org/10.62976/ierj.v4i2.1932

Keywords:

Sistem Keuangan Digital, Literasi Keuangan, Akses Permodalan, Kinerja Keuangan UMKM, PLS-SEM, Kalimantan Selatan

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh sistem keuangan digital, literasi keuangan, dan akses permodalan terhadap kinerja keuangan Usaha Mikro, Kecil, dan Menengah (UMKM) di Kalimantan Selatan. Penelitian menggunakan pendekatan kuantitatif dengan teknik survei terhadap 136 responden UMKM yang dipilih melalui stratified random sampling dari tiga wilayah utama Kalimantan Selatan. Data dianalisis menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM) dengan software SmartPLS v4.0. Evaluasi model pengukuran menunjukkan seluruh indikator memenuhi kriteria outer loading > 0,70, AVE > 0,50, Composite Reliability > 0,70, dan HTMT < 0,90. Hasil pengujian model struktural melalui bootstrapping (5.000 subsampel) menunjukkan bahwa: (1) sistem keuangan digital berpengaruh positif dan signifikan terhadap kinerja keuangan UMKM (β=0,412; T=4,872; p<0,01); (2) literasi keuangan berpengaruh positif dan signifikan (β=0,318; T=3,614; p<0,01); (3) akses permodalan berpengaruh positif dan signifikan (β=0,276; T=3,187; p<0,01); dan (4) ketiga variabel mampu menjelaskan 69,8% variasi kinerja keuangan UMKM (R²=0,698; Q²=0,387). Temuan ini mengimplikasikan perlunya kebijakan terpadu yang mengintegrasikan literasi digital keuangan dengan program pembiayaan inklusif untuk mendorong ketahanan ekonomi UMKM di Kalimantan Selatan.

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