Pengaruh Financial Technology dan Budaya Inovasi terhadap Keberlanjutan UMKM di Kota Bandung
DOI:
https://doi.org/10.29313/bcses.v6i2.24977Keywords:
Financial Technology, Budaya Inovasi, Keberlanjutan UMKMAbstract
Abstract. Micro, Small, and Medium Enterprises (MSMEs) play a significant role in promoting economic growth, creating employment opportunities, and improving community welfare. However, MSME sustainability continues to face challenges, particularly in the adoption of Financial Technology and the development of an innovation culture. This study aims to analyze the influence of Financial Technology and Innovation Culture on MSME Sustainability in Bandung City. A quantitative approach with a survey method was employed. The study involved 230 MSME owners selected through purposive sampling. Data were analyzed using Structural Equation Modeling Partial Least Squares (SEM-PLS) with SmartPLS software. The results indicate that Financial Technology has a positive effect on MSME Sustainability, with a path coefficient of 0.189, while Innovation Culture has a stronger positive effect, with a path coefficient of 0.646. These findings suggest that Innovation Culture contributes more substantially to MSME Sustainability than Financial Technology. Therefore, strengthening an innovation culture supported by the optimal utilization of Financial Technology is essential to enhance the competitiveness and long-term sustainability of MSMEs in Bandung City.
Abstrak. Usaha Mikro, Kecil, dan Menengah (UMKM) memiliki peran strategis dalam mendorong pertumbuhan ekonomi dan menciptakan lapangan kerja. Namun, keberlanjutan UMKM masih menghadapi berbagai tantangan, terutama dalam pemanfaatan Financial Technology dan pengembangan Budaya Inovasi. Penelitian ini bertujuan menganalisis pengaruh Financial Technology dan Budaya Inovasi terhadap Keberlanjutan UMKM di Kota Bandung. Penelitian menggunakan pendekatan kuantitatif dengan metode survei terhadap 230 pelaku UMKM yang dipilih menggunakan teknik purposive sampling. Analisis data dilakukan menggunakan Structural Equation Modeling Partial Least Squares (SEM-PLS) dengan bantuan perangkat lunak SmartPLS. Hasil penelitian menunjukkan bahwa Financial Technology memiliki pengaruh positif terhadap Keberlanjutan UMKM dengan koefisien jalur sebesar 0,189, sedangkan Budaya Inovasi memiliki pengaruh positif dengan koefisien jalur sebesar 0,646. Temuan ini menunjukkan bahwa Budaya Inovasi merupakan faktor yang memberikan pengaruh lebih besar dibandingkan Financial Technology dalam meningkatkan keberlanjutan UMKM. Oleh karena itu, penguatan budaya inovasi yang didukung oleh pemanfaatan Financial Technology secara optimal menjadi strategi penting untuk meningkatkan keberlanjutan UMKM di Kota Bandung.
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