PENGARUH FINANCIAL TECHNOLOGY SYARIAH PEER TO PEER LENDING DAN PAYMENT GATEWAY TERHADAP TINGKAT KINERJA UMKM KOTA JAMBI
DOI:
https://doi.org/10.24252/iqtishaduna.v7i2.63737Abstrak
Abstrak
Tujuan penelitian ini untuk mengetahui pengaruh fintech syariah peer to peer lending terhadap tingkat kinerja UMKM di Kota Jambi dan mengetahui pengaruh payment gateway terhadap tingkat kinerja UMKM di Kota Jambi. Metode yang digunakan adalah kuantitatif dengan data primer yakni penyebaran kuisioner kepada 100 responden. Dalam menghitung dan menganalisis data, peneliti memanfaatkan program Smart-Pls 4.0 dengan pendekatan Partial Least Square-Structural Equation Modeling (PLS-SEM). Hasil penelitian ini menunjukkan bahwa fintech syariah peer to peer lending berpengaruh positif dan signifikan terhadap tingkat kinerja UMKM di Kota Jambi karena dapat membantu pelaku UMKM dalam mendapatkan permodalan untuk menigkatkan usahanya. Payment gateway juga berpengaruh positif dan signifikan terhadap tingkat kinerja UMKM di Kota Jambi, keberadaan payment gateway akan membantu dan mempermudah dalam melakukan transaksi selama penjualan. Hasil perhitungan R-square menunjukkan bahwa 66,9% variabel kinerja UMKM dipengaruhi oleh fintech syariah peer to peer lending dan payment gateway. Sedangkan 33,1% dipengaruhi oleh faktor atau variabel lainnya.
Kata kunci: Fintech Syariah, Peer to Peer Lending, Payment gateway, Kinerja UMKM.
Abstract
The purpose of this study is to determine the effect of sharia peer-to-peer lending fintech on the performance level of MSMEs in Jambi City and to determine the effect of payment gateways on the performance level of MSMEs in Jambi City. The method used is quantitative with primary data, namely the distribution of questionnaires to 100 respondents. In calculating and analyzing the data, the researcher utilized the Smart-PLS 4.0 program with a Partial Least Squares-Structural Equation Modeling (PLS-SEM) approach. The results of this study indicate that Islamic fintech peer-to-peer lending has a positive and significant impact on the performance level of SMEs in Jambi City, as it helps SME operators obtain capital to enhance their businesses. Payment gateways also have a positive and significant impact on the performance level of SMEs in Jambi City, as the presence of payment gateways facilitates and simplifies transactions during sales. The R-square calculation results indicate that 66.9% of SME performance variables are influenced by Islamic fintech peer-to-peer lending and payment gateways, while 33.1% are influenced by other factors or variables.
Keywords: Sharia Fintech, Peer to Peer Lending, Payment Gateway, SME Performance.
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Hak Cipta (c) 2025 Sherly Pricilia, Agustina Mutia
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