PENGARUH LITERASI KEUANGAN, PENGGUNAAN QRIS DAN PENGELOLAAN KEUANGAN TERHADAP KINERJA KEUANGAN USAHA MIKRO, KECIL, DAN MENENGAH (UMKM) ALUN-ALUN KARANGANYAR

Abstract

The primary objective of this study was to examine the impact of financial literacy, QRIS use, and financial management on the financial performance of Micro, Small, and Medium Enterprises (MSMEs) in Karanganyar Square, both partially and simultaneously. Through a quantitative approach, all MSMEs in the Karanganyar Square area were designated as both the population and the sample. Purposive sampling resulted in 80 samples, the data of which were collected using a questionnaire via Google Form. A series of testing techniques were applied, including descriptive statistics, multiple linear regression analysis, coefficient of determination tests, t-tests, and F-tests. The research findings demonstrate that, partially, the variables of financial literacy, QRIS utilization, and financial management each stimulate a significant positive impact on business financial performance. Similarly, simultaneously, the combination of these three variables proved to have a positive and significant influence in determining the financial performance of MSMEs in Karanganyar Square