Octavia Natasha, Baiq Anggun Hilendri, Wulandari Agustiningsih

THE INFLUANCE OF FINANCIAL BEHAVIOR, FINANCIAL LITERACY, AND FINANCIAL TECHNOLOGY ON THE PERFOMANCE OF MSMEs IN MATARAM CITY

Introduction

The influance of financial behavior, financial literacy, and financial technology on the perfomance of msmes in mataram city. Analyze financial behavior, literacy & technology's impact on Mataram City MSME performance. Financial technology positively influences MSMEs, while behavior & literacy show no effect. Boost economic growth.

Abstract

The research analyze influence of financial behavior, financial literacy, and financial technology on the performance of Mataram City MSMEs. The method used is a quantitative approach with surveys as a data collection technique. The population of this research is MSME actors who own MSME businesses in Mataram City, with a sample taken randomly of 100 respondents. The collected data was analyzed using multiple linear regression to test the relationship between variables. Temun shows that financial behavior has no significant effect on the performance of MSMEs in Mataram City, financial literacy has no effect on the performance of Mataram City, and financial technology has a positive influence on the performance of MSMEs in Mataram City. The results of this research emphasize the importance of strengthening financial behavior, financial literacy and financial technology to support MSME performance and better economic growth.

Review

This study addresses a highly pertinent topic concerning the factors influencing the performance of Micro, Small, and Medium Enterprises (MSMEs) in Mataram City, specifically examining the roles of financial behavior, financial literacy, and financial technology. The research topic is of significant importance given the critical contribution of MSMEs to local and national economies. Methodologically, the quantitative approach utilizing surveys and multiple linear regression on a randomly selected sample of 100 MSME actors represents a conventional and generally appropriate design for exploring these hypothesized relationships. However, it is important to note the typographical errors in the title ("INFLUANCE," "PERFOMANCE"), which should be rectified for formal publication. The findings presented are intriguing and partially counter-intuitive. The study identifies a positive influence of financial technology on MSME performance, which aligns with current trends and underscores the increasing importance of digitalization in business. However, it controversially concludes that financial behavior and financial literacy have no significant effect on the performance of MSMEs in Mataram City. These non-significant results, particularly for financial literacy and behavior—factors widely considered foundational for sound business management and success—are noteworthy and would necessitate a robust discussion and potential contextual explanations within the full paper. The abstract's concluding recommendation to strengthen all three factors seems to broadly advocate for their importance, potentially overlooking the lack of empirical support for two of these variables from the study's own findings. Despite these critical points regarding the findings' interpretation and consistency, the research offers a valuable contribution by highlighting the specific impact of financial technology in the MSME sector. To enhance the study's robustness and theoretical implications, the full manuscript should provide a comprehensive discussion of the theoretical and contextual factors that might explain the non-significant effects of financial behavior and literacy, potentially exploring mediating or moderating variables. While the sample size of 100 respondents offers a baseline, a larger and perhaps more stratified sample could strengthen the generalizability of the findings. Future research might also consider mixed-methods approaches to gain a deeper, qualitative understanding of the 'why' behind these complex relationships, particularly for the unexpected non-significant outcomes.

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