Pengaruh Aspek Keuangan, Financial Technology, Kompetensi Sumber Daya Manusia (SDM) dan Kebijakan Pemerintah terhadap Kinerja Usaha Mikro Kecil dan Menengah (UMKM) di Kota Medan

Authors

  • Arya Farhan
  • Sri Ramadhani
  • Nursantri Yanti

DOI:

https://doi.org/10.30651/jms.v8i1.18223

Abstract

Abstrak

Penelitian ini bertujuan untuk mengetahui pengaruh aspek keuangan, financial technology, kompetensi sumber daya manusia dan kebijakan pemerintah terhadap kinerja Usaha Mikro Kecil dan Menengah di Kota Medan. Objek penelitian ini adalah UMKM di Kecamatan Medan Johor dengan jumlah responden 165 UMKM. Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian kuantitatif. Metode pengambilan sampel menggunakan teknik non-probability dan purposive sampling. Hasil penelitian diperoleh persamaan regresi Y = 2,308 + 0,146X1 + 0,085X2 + 0,367X3 + 0,387X4. Sedangkan hasil uji hipotesis penelitian menyimpulkan bahwa Aspek keuangan, Financial Technology, Kompetensi Sumber Daya Manusia dan Kebijakan Pemerintah secara parsial  berpengaruh positif dan signifikan terhadap Kinerja UMKM, yang ditunjukkan dengan nilai t hitung > t tabel dan signifikan < 0,05. Sedangkan uji hipotesis simultan menunjukkan nilai F hitung > F tabel (102.859 > 2,43) dan diketahui juga bahwa tingkat signifikan memiliki nilai ,000 < 0,05, sehingga dapat disimpulkan bahwa secara bersama-sama (simultan) variabel aspek keuangan, financial technology, kompetensi sumber daya manusia (SDM) dan kebijakan pemerintah mampu mempengaruhi Kinerja Usaha Mikro Kecil dan Menengah sebesar (R squre) 72%.

Kata kunci: Aspek Keuangan, Financial Technology, Kompetensi SDM, Kebijakan Pemerintah dan Kinerja UMKM

 

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Published

2023-04-07

How to Cite

Farhan, A., Ramadhani, S., & Yanti, N. (2023). Pengaruh Aspek Keuangan, Financial Technology, Kompetensi Sumber Daya Manusia (SDM) dan Kebijakan Pemerintah terhadap Kinerja Usaha Mikro Kecil dan Menengah (UMKM) di Kota Medan. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 8(1). https://doi.org/10.30651/jms.v8i1.18223

Issue

Vol. 8 No. 1 (2023)

Section

Artikel

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