PENGARUH FINANCIAL TECHNOLOGY (FINTECH) TERHADAP PERILAKU MANAJEMEN KEUANGAN PADA PELAKU USAHA UMKM DI KOTA BATAM
Keywords:
Financial technology (Fintech), Financial management behavior, UMKM.Abstract
This study aims to determine and analyze the influence of financial technology (fintech) on the financial management behavior of micro, small, and medium enterprises (UMKM) in Batam City. Using survey methods and regression analysis, this study demonstrated a positive and significant impact on the financial management behavior of UMKM in Batam City. The results indicate that fintech can improve the efficiency and effectiveness of financial management and assist UMKM in making more informed financial decisions. This study also found that factors such as business type, location, and age influence UMKM's financial management behavior in using fintech. The results of this study are expected to contribute to the development of more effective and efficient fintech for UMKM in Batam City.
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