Kemampuan Financial Technology dan Financial Literacy Dalam Financial Sustainability Dengan Mediasi Inovasi Bisnis Pada Ekraf di Kabupaten Bangkalan
DOI:
https://doi.org/10.47134/comdev.v6i2.1787Keywords:
Teknologi Keuangan, Literasi Keuangan, Inovasi, Keberlanjutan Keuangan, Ekonomi KreatifAbstract
Kemajuan teknologi keuangan (financial technology) dan peningkatan pemahaman keuangan membuka peluang besar bagi pelaku ekonomi kreatif (Ekraf) untuk memperkuat keberlanjutan keuangan. Namun, di subsektor kuliner industri kreatif di Kabupaten Bangkalan, penggunaan fintech dan tingkat literasi keuangan masih relatif rendah, sementara inovasi bisnis belum dimaksimalkan. Penelitian ini bertujuan untuk mengevaluasi pengaruh teknologi keuangan dan literasi keuangan terhadap keberlanjutan keuangan dengan inovasi bisnis sebagai variabel mediasi. Penelitian ini menggunakan pendekatan kuantitatif yang dilakukan dengan cara survei, yaitu dengan menyebarkan kuesioner kepada 100 pelaku Ekraf di sektor kuliner, termasuk produsen dan penjual petis serta produk olahan kerupuk ikan. Purposive sampling digunakan sebagai teknik sampling untuk memilih responden, dan 29 indikator yang mewakili setiap variabel yang diteliti digunakan untuk menyusun instrumen penelitian. Metode Partial Least Square-Structural Equation Modeling (PLS-SEM) digunakan untuk mengolah data. Hasil penelitian menunjukkan bahwa teknologi keuangan memiliki dampak yang signifikan dan positif terhadap inovasi usaha dan keberlanjutan keuangan. Selain itu, keberlanjutan keuangan dipengaruhi secara positif dan signifikan oleh literasi keuangan, namun inovasi bisnis dipengaruhi secara negatif dan tidak signifikan. Sementara itu, inovasi bisnis tidak menunjukkan pengaruh signifikan terhadap keberlanjutan keuangan, sehingga tidak terdapat peran mediasi inovasi bisnis dalam hubungan antara fintech dan literasi keuangan terhadap keberlanjutan keuangan. Temuan ini menegaskan bahwa peningkatan penggunaan fintech dan pemahaman literasi keuangan dapat memperkuat ketahanan finansial pelaku Ekraf, sementara inovasi bisnis meskipun penting untuk daya saing belum terbukti secara langsung meningkatkan keberlanjutan finansial pada sampel ini. Rekomendasi yang diajukan mencakup penguatan program edukasi keuangan, penyediaan akses fintech yang lebih mudah digunakan, serta dukungan pendanaan agar inovasi dapat memberikan kontribusi nyata terhadap ketahanan keuangan usaha.
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Copyright (c) 2025 Andiniatul Maulidia, Purnamawati, M. Boy Singgih Gitayuda
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