Pengaruh Financial Literacy dan Penggunaan Financial Technology terhadap Kinerja Usaha dengan Financial Inclusion sebagai Variabel Mediasi pada Pelaku Usaha Mikro di Pajak USU Kota Medan

Abstract

This study aims to analyze the influence of financial literacy and the use of financial technology on business performance, with financial inclusion as a mediating variable. The population of this study consists of micro-entrepreneurs at Pajus, Medan City, who have used the QRIS (Quick Response Code Indonesia Standard) application as one of the payment methods from customers. A purposive sampling technique was employed in this research. The total sample used in the study amounted to 126 respondents. Data were collected through a questionnaire and analyzed using SmartPLS 4.0 software. The results indicate a negative and insignificant effect of financial literacy on business performance and financial inclusion. Furthermore, the use of financial technology has a positive and significant effect on business performance and financial inclusion. Financial inclusion significantly mediates the effect of financial technology on business performance. However, financial inclusion has a negative and insignificant effect in mediating the influence of financial literacy on business performance.