Pengaruh Teknologi Keuangan terhadap Perilaku Manajemen Keuangan UMKM: Peran Mediasi Literasi Keuangan dan Lokus Kontrol

Kharifma Halim Nur Rohmah

doi:10.69693/ijim.v4i3.1642

Authors

Kharifma Halim Nur Rohmah Universitas Sebelas Maret

DOI:

https://doi.org/10.69693/ijim.v4i3.1642

Keywords:

teknologi keuangan, literasi keuangan, locus of control, perilaku manajemen keuangan, UMKM

Abstract

Perkembangan teknologi keuangan memberikan berbagai kemudahan bagi pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) dalam melakukan transaksi dan mengelola keuangan usaha. Namun, tingginya pemanfaatan teknologi keuangan belum tentu diikuti oleh perilaku manajemen keuangan yang baik, sehingga diperlukan faktor pendukung yang mampu menjelaskan hubungan tersebut. Penelitian ini bertujuan untuk menganalisis pengaruh teknologi keuangan terhadap literasi keuangan, lokus kontrol, dan perilaku manajemen keuangan, serta menguji peran mediasi literasi keuangan dan lokus kontrol pada pelaku UMKM di Kecamatan Karanganyar, Kabupaten Karanganyar. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei. Sampel penelitian berjumlah 150 pelaku UMKM yang dipilih menggunakan teknik purposive sampling. Data dikumpulkan melalui kuesioner berbasis Google Form dan dianalisis menggunakan Structural Equation Modeling-Partial Least Squares (SEM-PLS) dengan SmartPLS 4. Hasil penelitian menunjukkan bahwa teknologi keuangan berpengaruh positif dan signifikan terhadap literasi keuangan, lokus kontrol, dan perilaku manajemen keuangan. Literasi keuangan juga berpengaruh positif dan signifikan terhadap perilaku manajemen keuangan dan lokus kontrol. Sebaliknya, lokus kontrol tidak berpengaruh signifikan terhadap perilaku manajemen keuangan. Selain itu, literasi keuangan terbukti mampu memediasi pengaruh teknologi keuangan terhadap perilaku manajemen keuangan, sedangkan lokus kontrol tidak mampu memediasi hubungan tersebut. Temuan ini menunjukkan bahwa peningkatan perilaku manajemen keuangan pelaku UMKM lebih efektif dicapai melalui optimalisasi teknologi keuangan yang disertai peningkatan literasi keuangan.

Kata kunci: teknologi keuangan, literasi keuangan, lokus kontrol, perilaku manajemen keuangan, UMKM

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