Pengaruh Penggunaan <i>Financial Technology</i> (Fintech) dan Akses Permodalan terhadap Perkembangan Usaha Mikro Kuliner di Mendalo Indah

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play an important role in supporting economic growth. This study aims to analyze the effect of Financial Technology (Fintech) and access to capital on the development of culinary micro-enterprises in Mendalo Indah. This research employed a quantitative approach using a survey method. The population consisted of 132 culinary micro-enterprises, with a sample of 100 respondents selected through the simple random sampling technique. Data were collected using questionnaires and analyzed through multiple linear regression with IBM SPSS Statistics 26. The results showed that Financial Technology (Fintech) had a positive and significant effect on micro-enterprise development, with a t-value of 7.326 and a significance value of 0.000. Access to capital had a negative and significant effect on micro-enterprise development, with a t-value of -2.106 and a significance value of 0.038. Simultaneously, Financial Technology (Fintech) and access to capital had a significant effect on micro-enterprise development, with a coefficient of determination (R²) of 0.364. The findings indicate that Financial Technology (Fintech) and access to capital are important factors influencing the development of micro-enterprises in Mendalo Indah.