PENGARUH FINANCIAL TECHNOLOGY, LITERASI KEUANGAN, LITERASI DIGITAL, DAN INKLUSI KEUANGAN TERHADAP KINERJA UMKM DI KECAMATAN KOTA PONOROGO

Collaborating technology and buying and selling turnover makes a new activity nowadays. Businesses such as MSMEs provide their best service to provide convenience for consumers. This study aims to determine the effect of financial technology, financial literacy, digital literacy, and financial inclusion on the performance of MSMEs in Ponorogo city district. This research uses a quantitative approach using the SmartPLS 4.0 analysis tool. with survey method. The population in this study were all MSMEs registered and not yet registered at the Department of Industry, Cooperatives and SMEs of the Ponorogo Regency government. The sampling technique used was probability sampling with the approach in this study being proportionate stratified random sampling. The number of samples in this study were 100 MSME players in Ponorogo City District. The results of this study show that financial technology, financial literacy, digital literacy have a positive and significant effect on the performance of MSMEs in Ponorogo City District, but financial inclusion shows no significant effect on the performance of MSMEs in Ponorogo City District.