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Abstract

Penelitian ini bertujuan untuk menganalisis tantangan dan peluang yang dihadapi oleh Usaha Mikro, Kecil, dan Menengah (UMKM) dalam pengelolaan keuangan di era persaingan global, serta mengeksplorasi pengaruh penggunaan teknologi keuangan (fintech) terhadap profitabilitas UMKM. Metode penelitian yang digunakan adalah pendekatan kuantitatif dengan desain deskriptif dan eksploratif, mengumpulkan data melalui survei terhadap 200-300 responden dari berbagai sektor UMKM di Indonesia. Hasil penelitian menunjukkan bahwa tantangan utama yang dihadapi UMKM meliputi rendahnya literasi keuangan (75% responden), keterbatasan akses modal (65%), dan manajemen arus kas yang buruk (70%). Analisis regresi menunjukkan bahwa penggunaan fintech memiliki pengaruh signifikan terhadap profitabilitas, dengan koefisien positif sebesar 0,350 (p = 0,003). Penelitian ini menyarankan peningkatan literasi keuangan dan akses terhadap teknologi keuangan melalui program pelatihan dan kebijakan publik yang mendukung. Hasil penelitian ini memberikan wawasan penting bagi pembuat kebijakan dan praktisi dalam mendukung pengembangan UMKM di Indonesia.

Keywords

UMKM Manajemen Keuangan Teknologi Keuangan Profitabilitas Literasi Keuangan

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How to Cite
Adolf Z.D. Siahay. (2023). Smart Financial Management Strategy to Accelerate Profitability of Micro, Small and Medium Enterprises in the Era of Global Competition. Economics and Digital Business Review, 4(2), 450–461. https://doi.org/10.37531/ecotal.v3i2.2674
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