The Effect of Payment Gateway, Digitization, and Financial Literacy on MSME Performance

Malisa E. Mutiara, Adi Wiratno, Eliada Herwiyanti

Abstract


This research was conducted on MSMEs in the city of Bandung. This research is entitled "The effect of payment gateway, MSME digitization, and financial literacy on MSME performance." This study aims to determine the effect of payment gateways, MSME digitization, and financial literacy on MSME performance. Sampling in this study employed a purposive sampling technique with specific categories. The number of samples used was obtained from 118 respondents. The analysis technique used in this study is multiple linear regression. The results of this research explain that; (1) Payment gateway has a positive effect on MSME performance; (2) MSME digitization has a positive effect on MSME performance; (3) Financial literacy has a positive effect on MSME performance. The implication of this research is expected to be used as a reference for future researchers on the same topic. This research is also expected to benefit MSME actors in managing their businesses and improving their business performance by using payment gateways, digitization of their business products, and increasing their financial literacy. In addition, this research is expected to be additional information for the Bandung City government regarding the factors that support the improvement of MSME performance so that the Bandung City government or regulator can provide policies and programs related to payment gateways, MSME digitization, and financial literacy so as to encourage MSME performance. The information can be considered by the Bandung City government so that MSMEs can be more optimal in contributing to the GRDP of Bandung City.

Keywords: Payment gateway, MSME Digitization, Financial Literacy, MSME Performance


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References


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