PENGARUH PENGGUNAAN FINANCIAL TECHNOLOGY PEER TO PEER LENDING, E-WALLET, DAN QRIS TERHADAP PENDAPATAN UMKM KULINER DI KECAMATAN TELANAIPURA KOTA JAMBI (2019–2023)

Abstract

This study aims to analyze the influence of Financial Technology (Fintech) in the form of Peer to peer-to-peer lending, e-wallets, and QRIS on the income of Culinary MSMEs in Telanaipura District, Jambi City. With a quantitative approach, this study uses primary and secondary data from MSME actors through questionnaires and observations. The results of the study are expected to provide a new understanding of the contribution of fintech to increasing MSME income and provide practical recommendations for entrepreneurs and regulators. Initial findings show that most MSME actors have yet to utilize this technology optimally, even though consumers have switched to digital payments. The results of the study show that Financial Technology P2P, E-Wallet and QRIS have a positive and significant effect on MSME income in Telanaipura District, Jambi City. Therefore, this study is expected to be a basis for formulating policies that support financial literacy and inclusion for MSMEs.