The Effect of Financial Management and Financial Technology on the Performance of SMEs
DOI:
https://doi.org/10.46977/amt.2025.v06i01.002Keywords:
Financial Management, Financial Technology, Social Capital, MSME PerformanceAbstract
The purpose of this study is to ascertain how financial technology and management affect MSMEs' performance in Pariaman City. Using a straightforward rando sample procedure and a descriptive quantitative analysis approach, this study examines 100 MSME respondents in Pariaman City. Multiple linear regression tests, hypothesis tests (T tests, F tests), determination coefficient tests (R2), validity and reliability tests, and classical assumption tests (normality, multicollinearity, and heteroscedasticity tests) were used to process the data that were gathered via questionnaires and SPSS 25. The results of the T test (partial) show that (1) Financial management have a significant effect on the performance of MSMEs in Pariaman City with a sig. value of 0.000 < 0.05, (2) Financial technology has a significant effect on the performance of MSMEs in Pariaman City with a sig. value of 0.000 < 0.05. With a sig. value of 0.000 0.05, the F test demonstrates that financial technology and financial management both significantly impact MSME performance. This demonstrates how MSMEs in Pariaman City enhance their performance by utilising financial technology and implementing financial management in the best possible way.
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