Sagita, Esa (2025) Pengaruh Financial Technology Payment dan Literasi Keuangan Terhadap Perilaku Manajemen Keuangan Pada Usaha Mikro Kecil Menengah (UMKM) di Kawasan Universitas Islam Riau. Other thesis, Universitas Islam Riau.

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Abstract

This research aims to find out the effect of financial technology payment and financial literacy on the behavior of financial management in Micro, Small, and Medium Enterprises (MSMEs) in the Riau Islamic University Area. The sample in this study was obtained using the Simple Random Sampling technique using a slovine formula with a 10% margin of error, so the number of samples in this study was 73 MSME actors. Data analysis techniques use multiple linear regression. Based on the results of this study, it was concluded that there was a positive and significant simultaneous influence between financial technology payment and financial literacy on financial management behavior. The results of the partial test show that there is a positive and significant effect between financial technology payments on financial management behavior. There is a positive and significant effect between financial literacy on financial management behavior.

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