THE ROLE OF FINANCIAL TECHNOLOGY IN IMPROVING THE EFFICIENCY OF FINANCIAL MANAGEMENT FOR MSME ACTORS IN KWALA SERAPUH VILLAGE LANGKAT REGENCY

Noni Ardian, Maya Macia Sari, Eli Delvi Yanti, Suci Ramadhani

Abstract


This study aims to examine the role of financial technology in improving the efficiency of financial management for MSME actors in Kwala Serapuh Village, Langkat Regency. The existence of Financial Technology is a crucial factor in the practice of financial management of MSMEs. This research uses a descriptive approach by involving surveys and interviews with MSME actors in Kwala Serapuh Village. The results showed that MSME players in Kwala Serapuh Village have not fully understood and utilized the potential of Fintech in financial records. Although some of them are aware of the existence of financial technology, limited understanding and accessibility are major obstacles. Therefore, this study provides recommendations for increasing understanding related to Fintech, as well as increasing the accessibility of financial technology for MSME players to increase efficiency and transparency in their financial management and improve MSME financial performance, as well as becoming a foundation for the development of more effective financial management strategies at the local level.

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