| NIM | C1I020015 |
|---|
| Namamhs | SOFWAN ALAM WIBISONO |
|---|
| Judul Artikel | The Role Of Technology Utilization As Moderating Factor Between Human Resources Competencies And Financial Management Of MSMEs In North Purwokerto |
|---|
| Abstrak (Bhs. Indonesia) | Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh literasi keuangan, pendidikan, dan pengalaman usaha terhadap pengelolaan keuangan UMKM di Kecamatan Purwokerto Utara. Selain itu, penelitian ini juga menguji peran pemanfaatan teknologi sebagai variabel moderasi dalam memperkuat hubungan antara kompetensi sumber daya manusia dan pengelolaan keuangan UMKM. Penelitian ini menggunakan pendekatan teori Resource-Based View (RBV) dan teori kompetensi sebagai landasan teoritis. Data yang digunakan dalam penelitian ini adalah data primer yang diperoleh melalui penyebaran kuesioner kepada pemilik UMKM di Purwokerto Utara. Populasi penelitian berjumlah 2.654 UMKM, dengan teknik pengambilan sampel menggunakan convenience sampling. Jumlah responden yang dianalisis sebanyak 70 UMKM. Teknik analisis data yang digunakan meliputi uji validitas dan reliabilitas, uji asumsi klasik, analisis regresi linear berganda, Moderated Regression Analysis (MRA), uji hipotesis (uji t dan uji F), serta uji koefisien determinasi (R²). |
|---|
| Abtrak (Bhs. Inggris) | This study aims to examine and analyze the effect of financial literacy, education, and business experience on the financial management of MSMEs in North Purwokerto District. Furthermore, this study investigates the role of technology utilization as a moderating variable in strengthening the relationship between human resource competencies and MSME financial management. This research is grounded in the Resource-Based View (RBV) theory and competency theory as the theoretical foundation. The data used in this study are primary data obtained through questionnaire distribution to MSME owners in North Purwokerto. The population consists of 2,654 MSMEs, and the sampling technique employed is convenience sampling. The data analysis techniques include validity and reliability tests, classical assumption tests, multiple linear regression analysis, Moderated Regression Analysis (MRA), hypothesis testing (t-test and f-test), and coefficient of determination (R²). The results of this study indicate that: (1) financial literacy has a positive effect on MSME financial management; (2) education does not have a positive effect on MSME financial management; (3) business experience has a positive effect on MSME financial management; (4) technology utilization does not moderate the relationship between business experience and financial management; (5) technology utilization does not moderate the relationship between education and financial management; and (6) technology utilization does not moderate the relationship between financial literacy and financial management. |
|---|
| Kata kunci | Literasi Keuangan, Pendidikan, Pengalaman Usaha, Pemanfaatan Teknologi, Pengelolaan Keuangan, UMKM |
|---|
| Pembimbing 1 | Dr.Poppy Dian Indira Kusuma, SE,M.Si.AK |
|---|
| Pembimbing 2 | |
|---|
| Pembimbing 3 | |
|---|
| Tahun | 2026 |
|---|
| Jumlah Halaman | 15 |
|---|
| Tgl. Entri | 2026-02-21 07:47:08.392879 |
|---|