Peran Fintech Dalam Meningkatkan Literasi Keuangan Usaha Mikro Kecil Menengah Di Batam

Dian Efriyenty


Among the impacts that occur on online media, one of which is balance theft. The implementation of more advanced technology payments and consumers without having to incur much higher marketing or operational costs. The various objectives of the research are to see the phenomenon of financial literacy in the micro community. While the sample in this study was 154 MSMEs in the Batu Aji area. On February 2, 2022 at 13:00 WIB to Rafflesia UMK, Mandiri Waste Bank UKM and Snack and Cookies Bank, the research team conducted interviews related to financial literacy and fintech. Based on the survey results, there are still many among the micro community who do not understand online-based transactions. Even though the system makes it easier for MSME actors to transact without having to leave the house. Likewise, there are several MSME actors who have used fintech through several conventional banks.


The Role of Fintech, Financial Literacy, MSMEs

Full Text:



Aliyah. (2018). Konsep Pendanaan. Journal Akuntansi, 1(2), 2–9.

Andri. (2018). Praktik Penelitian. Salemba Empat.

Budi, S. (2019). Inclusion and financial impact. Borsa Istanbul Review, 18(4), 329–340.

Ilham. (2020). Literasi Keuangan (Vol. 8, Issue 4). Salemba Empat.

Luckandi. (2020). Pengaruh Literasi Keuangan Terhadap Fintech UMKM Jawa Barat. Journal Akuntansi, 1(2), 1–12.

Manurung. (2019). Succesful Financial Planer: A Complete Guide. Grasindo.

Marpaung. (2021). Pengaruh Fintech Terhadap Literasi Keuangan UMKM Jakarta. Journal Intervensi Komunitas, 1(3), 20–32.

OJK. (2021). Literasi Keuangan Digital. Berita.

Rahma Jaziyah Chikmah, A. S. (2020). Micro Empowerment Through Inclusive Finance. Journal of Accounting, 2(3), 2020. 2130-8240 p-ISSN: 3214-6210

Surendran. (2021). The Technology-Based Admissions Model: A Literary Survey: The International Journal of Business. Journal of Economics and Business Research, 4(1), 154–162.

Stability Board Financial, 1 (2018).

UMKM, K. K. dan. (2019). Usaha Mikro Kecil dan Menengah (1st ed.). PT Raja Grafindo Persada.

Yushita. (2021). Analisis Fintech Terhadap Literasi Keuangan UMKM Bandung. Journal Dinamika Keuangan Dan Perbankan, 3(1), 15–22.


JURNAL RISET AKUNTANSI DAN BISNIS  is abstracting & indexing in the following databases: 



Creative Commons License

Jurnal Riset Akuntansi dan Bisnis is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.



View My Stats JRAB