The influence of financial literacy, the use of peer to peer lending, and payment gateways on the financial performance of MSMES in Lamongan Regency
##plugins.themes.bootstrap3.article.sidebar##
Published:
Jun 30, 2025
Keywords:
Financial Literacy, Financial Performance of MSMEs, Payment Gateway, Usei of Peieir to Peieir Leinding
Section
Articles
Statistics Article
Article View : 243 Times
##plugins.themes.bootstrap3.article.main##
Abstract
This study aims to test the effect of financial literacy, the use of peer to peer lending , and payment gateways on the financial performance of MSMEs. This study uses a quantitative method with an associative approach. The population in this study were all MSMEs in the food and beverage sector in Lamongan Regency. Samples were taken using a purposive sampling method with the criteria of MSME actors in the food and beverage sector in Lamongan Regency who were registered with the Lamongan Regency Cooperatives & Micro Enterprises Service, and MSME business actors who had utilized the fintech platform, namely payment gateways as online payments and peer to peer lending loan options so that a sample of 100 MSMEs was obtained. Data were obtained by distributing 100 questionnaires to MSME actors in Lamongan Regency directly via google form. Data analysis using SmartPLS version 3. The results of the study showed that financial literacy, the use of peer to peer lending , and payment gateways had a significant effect on the financial performance of MSMEs in Lamongan Regency.
##plugins.themes.bootstrap3.article.details##
How to Cite
Lazuardi, Y., & Margareta, E. S. (2025). The influence of financial literacy, the use of peer to peer lending, and payment gateways on the financial performance of MSMES in Lamongan Regency. Indonesia Accounting Research Journal, 12(4), 193–202. https://doi.org/10.35335/iacrj.v12i4.463
References
Abdillah, W., & Hartono, J. (2015). Partial Leiast Squarei (PLS): Alteirnatif Structural EIquation Modeiling (SEIM) dalam Peineilitian Bisnis. Andi Meingimbangi.
Aditya, N. B., & Rita, M. R. (2024). Inklusi Keuangan, P2P Lending dan Kinerja UMKM: Peran Moderasi Literasi Keuangan. Ekonomis: Journal of Economics and Business, 8(1), 583. https://doi.org/10.33087/ekonomis.v8i1.1590
Akbar, M., Yusuf, N., & Wuryandini, A. R. (2023). Pengaruh Literasi Keuangan Dan Financial Technology Terhadap Pengelolaan Keuangan Umkm (Studi Pada Usaha Mikro Foodcourt Limboto). Jurnal Mirai Management, 8(1), 651–659.
Fatimah, C., Said, MM, & Putra, LR (2023). Strateigi Peingeimbangan Usaha Mikro Keicil Dan Meineingah (Umkm) Di Kabupatein Lamongan. Jurnal Reispon Publik, 17(7), 44–52.
Ghozali, & Imam. (2006). Meitodei Alteirnatif Peimodeilan Peirsamaan Struktural deingan Partial Leiast Squarei. Seimarang: Peineirbit Univeirsitas Diponeigoro
Hair, J., & Alamer, A. (2022). Partial Least Squares Structural Equation Modeling (PLS-SEM) in second language and education research: Guidelines using an applied example. Research Methods in Applied Linguistics, 1(3). https://doi.org/10.1016/j.rmal.2022.100027
Hidayatullah, A., & Sartika, D. (2024). Pengaruh Fintech Peer to Peer Lending dan Fintech Payment Terhadap Kinerja UMKM DiMediasi E-Commerce Pasca Covid-19. Jurnal Akuntansi Keuangan Dan Bisnis Politeknik Caltex Riau, 17(1), 47–45. https://doi.org/10.35143/jakb.v17i1.6160
Kaseng, A. S., Tamba, I. F. U., Hou, A., Nainggolan, S. G. V, & Tambunan, D. (2024). Dampak Literasi Keuangan dan Financial Technology Terhadap Kinerja Keuangan UKM. NNOVATIVE: Journal Of Social Science Research, 3. https://j-innovative.org/index.php/Innovative
Lubis, A. M., Nurbaiti, N., & Harahap, M. I. (2022). Pengaruh Literasi Keuangan, Fintech Peer To Peer Lending, Dan Payment Gateway Terhadap Kinerja Keuangan UMKM Kota Medan. Co-Value Jurnal Ekonomi Koperasi Dan Kewirausahaan, 13(2), 90–102.
Lubis, E. F. M., & Nurhayati. (2024). Pengaruh Literasi Keuangan dan Financial Technology Terhadap Kinerja Keuangan UMKM. Journal of Business and Economics Research (JBE), 5(2), 178–187. https://doi.org/10.47065/jbe.v5i2.5259.
Maharani, E. N., & Yuliati, A. (2024). Pengaruh Payment Gateway dan Literasi Keuangan Terhadap Kinerja Keuangan Pada Pelaku UMKM di Kelurahan Kebonsari. JURNAL ILMIAH EKONOMI DAN MANAJEMEN, 2(7), 549–599. https://doi.org/10.61722/jiem.v2i7.2127
Mulyanti, D., & Nurhayati, A. (2022). Penerapan Literasi Keuangan Dan Penggunaan Financial Technology Untuk Menilai Kinerja Keuangan Umkm Di Jawa Barat. Ekono Insentif, 16(2), 63–81. https://doi.org/10.36787/jei.v16i2.887
Otoritas Jasa Keiuangan. (2016).https://www.ojk.go.id/id/kanal/eidukasi-dan-peirlindungan-konsumein/Pageis/Liteirasi-Keiuangan.aspx/, diakseis tanggal 06 Januari 2025.
Purnamasari, E. D. (2020). Pengaruh Payment Gateway dan Peer to Peer Lending (P2P) terhadap Peningkatan Pendapatan di Kota Palembang. JURNAL ILMIAH EKONOMI GLOBAL MASA KINI VOLUME, 11(01), 141–164. https://doi.org/10.1016/j.elerap.2006.12.004
Putri, D. A. P. Y., Armiani, & Setiawati, E. (2024). Pengaruh Literasi Keuangan, Payment Gateway, Peer to Peer Lending, dan Inklusi Keuangan terhadap Kinerja Keuangan. Jurnal Ilmiah Ekonomi Dan Bisnis, 3(3), 972–985.
Putri, D. A., Yulianti, N. N., & Amrul, R. (2024). Pengaruh Literasi Keuangan, Akses Permodalan, Fintech Peer To Peer Lending Dan Payment Gateway Terhadap Kinerja Keuangan Umkm Di Kecamatan Mataram. Jurnal Ganec Swara, 18(4), 2505–2513.
https://doi.org/http://journal.unmasmataram.ac.id/index.php/GARA
Quiseirto, Rio. (2022). 20 Peieir To Peieir Leinding Teirbaik Indoneisia (2024), Teirdaftar Beirizin OJK .https://duwitmu.com/pinjaman-onlinei/p2p-leinding-teirbaik-indoneisia-teirdaftar-beirizin-ojk/, diakseis tanggal 06 Januari 2025
Ruhmi, I., & Tanjung, A. A. (2023). The Influence of Financial Literacy, Fintech Peer To Peer Lending, and Payment Gateways on the Financial Performance of MSMEs in Medan City. 4(4). https://doi.org/10.35877/454RI.qems1790
Sari, A. P. (2023). Pengaruh Payment Gateaway dan Penggunaan Fintech P2P Lending terhadap Kinerja Keuangan dan Peningkatan Pendapatan Sebagai Variabel Intervening. Jurnal Ilmiah Universitas Batanghari Jambi, 23(2), 2234. https://doi.org/10.33087/jiubj.v23i2.3959
Siregar, A. A. R., Ningsih, H. T. K., & Laoli, P. N. A. (2023). Peran Pembayaran Digital Payment Gateway Dalam Meningkatkan Kinerja Keuangan Pada UMKM. CiDEA Journal, 2(2), 76–86. https://doi.org/10.56444/cideajournal.v2i2.1279
Sugiyono, S. (2017). Metode Penelitian Kuantitatif Kualitatif dan R&D. Bandung: Alfabeta. Procrastination And Task Avoidance: Theory, Research and Treatment. New York: Plenum Press, Yudistira P, Chandra.
Sukanti, N. K., Herlambang, P. G. D., & Yanti, N. L. D. (2024). Pengaruh Literasi Keuangan dan Financial Technology (Fintech) Terhadap Pengelolaan Keuangan pada Pelaku UMKM di Desa Mekar Bhuwana, Kecamatan Abiansemal. Sammajiva: Jurnal Penelitian Bisnis Dan Manajemen, 2(3), 98–113. https://doi.org/10.47861/sammajiva.v2i3.1187
Sukma, A. B., Purwandari, D., & Lukita, C. (2024). Pengaruh Fintechp2p Lending Dan Paymentgateway Terhadap Kinerja Keuangan Umkmdi Kabupaten Karawang. Jurnal Ilmiah MEA (Manajemen, Ekonomi, Dan Akuntansi), 8(2), 753–769. https://kemenkopukm.go.id/
Talakua, B. A., & Silaya, M. A. (2023). Pengaruh Peer to Peer Lending Terhadap Kinerja UMKM Kota Ambon (Vol. 4, Issue 2).
Umniyah, & Mulyadi, D. (2023). Pengaruh Digital Payment Gateway (OVO) Terhadap Kinerja Keuangan UMKM. ETNIK: Jurnal Ekonomi - Teknik, 2(7), 620–626. https://etnik.rifainstitute.com
Aditya, N. B., & Rita, M. R. (2024). Inklusi Keuangan, P2P Lending dan Kinerja UMKM: Peran Moderasi Literasi Keuangan. Ekonomis: Journal of Economics and Business, 8(1), 583. https://doi.org/10.33087/ekonomis.v8i1.1590
Akbar, M., Yusuf, N., & Wuryandini, A. R. (2023). Pengaruh Literasi Keuangan Dan Financial Technology Terhadap Pengelolaan Keuangan Umkm (Studi Pada Usaha Mikro Foodcourt Limboto). Jurnal Mirai Management, 8(1), 651–659.
Fatimah, C., Said, MM, & Putra, LR (2023). Strateigi Peingeimbangan Usaha Mikro Keicil Dan Meineingah (Umkm) Di Kabupatein Lamongan. Jurnal Reispon Publik, 17(7), 44–52.
Ghozali, & Imam. (2006). Meitodei Alteirnatif Peimodeilan Peirsamaan Struktural deingan Partial Leiast Squarei. Seimarang: Peineirbit Univeirsitas Diponeigoro
Hair, J., & Alamer, A. (2022). Partial Least Squares Structural Equation Modeling (PLS-SEM) in second language and education research: Guidelines using an applied example. Research Methods in Applied Linguistics, 1(3). https://doi.org/10.1016/j.rmal.2022.100027
Hidayatullah, A., & Sartika, D. (2024). Pengaruh Fintech Peer to Peer Lending dan Fintech Payment Terhadap Kinerja UMKM DiMediasi E-Commerce Pasca Covid-19. Jurnal Akuntansi Keuangan Dan Bisnis Politeknik Caltex Riau, 17(1), 47–45. https://doi.org/10.35143/jakb.v17i1.6160
Kaseng, A. S., Tamba, I. F. U., Hou, A., Nainggolan, S. G. V, & Tambunan, D. (2024). Dampak Literasi Keuangan dan Financial Technology Terhadap Kinerja Keuangan UKM. NNOVATIVE: Journal Of Social Science Research, 3. https://j-innovative.org/index.php/Innovative
Lubis, A. M., Nurbaiti, N., & Harahap, M. I. (2022). Pengaruh Literasi Keuangan, Fintech Peer To Peer Lending, Dan Payment Gateway Terhadap Kinerja Keuangan UMKM Kota Medan. Co-Value Jurnal Ekonomi Koperasi Dan Kewirausahaan, 13(2), 90–102.
Lubis, E. F. M., & Nurhayati. (2024). Pengaruh Literasi Keuangan dan Financial Technology Terhadap Kinerja Keuangan UMKM. Journal of Business and Economics Research (JBE), 5(2), 178–187. https://doi.org/10.47065/jbe.v5i2.5259.
Maharani, E. N., & Yuliati, A. (2024). Pengaruh Payment Gateway dan Literasi Keuangan Terhadap Kinerja Keuangan Pada Pelaku UMKM di Kelurahan Kebonsari. JURNAL ILMIAH EKONOMI DAN MANAJEMEN, 2(7), 549–599. https://doi.org/10.61722/jiem.v2i7.2127
Mulyanti, D., & Nurhayati, A. (2022). Penerapan Literasi Keuangan Dan Penggunaan Financial Technology Untuk Menilai Kinerja Keuangan Umkm Di Jawa Barat. Ekono Insentif, 16(2), 63–81. https://doi.org/10.36787/jei.v16i2.887
Otoritas Jasa Keiuangan. (2016).https://www.ojk.go.id/id/kanal/eidukasi-dan-peirlindungan-konsumein/Pageis/Liteirasi-Keiuangan.aspx/, diakseis tanggal 06 Januari 2025.
Purnamasari, E. D. (2020). Pengaruh Payment Gateway dan Peer to Peer Lending (P2P) terhadap Peningkatan Pendapatan di Kota Palembang. JURNAL ILMIAH EKONOMI GLOBAL MASA KINI VOLUME, 11(01), 141–164. https://doi.org/10.1016/j.elerap.2006.12.004
Putri, D. A. P. Y., Armiani, & Setiawati, E. (2024). Pengaruh Literasi Keuangan, Payment Gateway, Peer to Peer Lending, dan Inklusi Keuangan terhadap Kinerja Keuangan. Jurnal Ilmiah Ekonomi Dan Bisnis, 3(3), 972–985.
Putri, D. A., Yulianti, N. N., & Amrul, R. (2024). Pengaruh Literasi Keuangan, Akses Permodalan, Fintech Peer To Peer Lending Dan Payment Gateway Terhadap Kinerja Keuangan Umkm Di Kecamatan Mataram. Jurnal Ganec Swara, 18(4), 2505–2513.
https://doi.org/http://journal.unmasmataram.ac.id/index.php/GARA
Quiseirto, Rio. (2022). 20 Peieir To Peieir Leinding Teirbaik Indoneisia (2024), Teirdaftar Beirizin OJK .https://duwitmu.com/pinjaman-onlinei/p2p-leinding-teirbaik-indoneisia-teirdaftar-beirizin-ojk/, diakseis tanggal 06 Januari 2025
Ruhmi, I., & Tanjung, A. A. (2023). The Influence of Financial Literacy, Fintech Peer To Peer Lending, and Payment Gateways on the Financial Performance of MSMEs in Medan City. 4(4). https://doi.org/10.35877/454RI.qems1790
Sari, A. P. (2023). Pengaruh Payment Gateaway dan Penggunaan Fintech P2P Lending terhadap Kinerja Keuangan dan Peningkatan Pendapatan Sebagai Variabel Intervening. Jurnal Ilmiah Universitas Batanghari Jambi, 23(2), 2234. https://doi.org/10.33087/jiubj.v23i2.3959
Siregar, A. A. R., Ningsih, H. T. K., & Laoli, P. N. A. (2023). Peran Pembayaran Digital Payment Gateway Dalam Meningkatkan Kinerja Keuangan Pada UMKM. CiDEA Journal, 2(2), 76–86. https://doi.org/10.56444/cideajournal.v2i2.1279
Sugiyono, S. (2017). Metode Penelitian Kuantitatif Kualitatif dan R&D. Bandung: Alfabeta. Procrastination And Task Avoidance: Theory, Research and Treatment. New York: Plenum Press, Yudistira P, Chandra.
Sukanti, N. K., Herlambang, P. G. D., & Yanti, N. L. D. (2024). Pengaruh Literasi Keuangan dan Financial Technology (Fintech) Terhadap Pengelolaan Keuangan pada Pelaku UMKM di Desa Mekar Bhuwana, Kecamatan Abiansemal. Sammajiva: Jurnal Penelitian Bisnis Dan Manajemen, 2(3), 98–113. https://doi.org/10.47861/sammajiva.v2i3.1187
Sukma, A. B., Purwandari, D., & Lukita, C. (2024). Pengaruh Fintechp2p Lending Dan Paymentgateway Terhadap Kinerja Keuangan Umkmdi Kabupaten Karawang. Jurnal Ilmiah MEA (Manajemen, Ekonomi, Dan Akuntansi), 8(2), 753–769. https://kemenkopukm.go.id/
Talakua, B. A., & Silaya, M. A. (2023). Pengaruh Peer to Peer Lending Terhadap Kinerja UMKM Kota Ambon (Vol. 4, Issue 2).
Umniyah, & Mulyadi, D. (2023). Pengaruh Digital Payment Gateway (OVO) Terhadap Kinerja Keuangan UMKM. ETNIK: Jurnal Ekonomi - Teknik, 2(7), 620–626. https://etnik.rifainstitute.com
Copyright and Licensing
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.