Maulani, Fattakhillah (2024) Pengaruh Financial Literacy, Technological Literacy, Financial Capital, Cultural And Social Capital Terhadap Kinerja Umkm di Kota Malang. Undergraduate thesis, Fakultas Ekonomi dan Bisnis Universitas Merdeka Malang.

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Abstract

The study aims to test and analyze the effect of financial literacy, technological literacy, financial capital, cultural and social capital on the performance of MSMEs in Malang City. This research is a type of quantitative research. The data used is primary data using data collection techniques in the form of questionnaires. The population in this research is MSMEs located in Malang City. In this research, the sample was determined using a non-probability sampling method which was then calculated using the Slovin formula with the result of 100 samples needed for this research to make the sample technically representative. In distributing the questionnaire the author used a sampling technique based on certain criteria or purposive sampling. The statement instrument in this research was adapted from previous studies, then each instrument will be measured using a Likert Scale. The data analysis technique used is multiple linear regression analysis with the data processing tool used, namely Statistical Product and Service Solution (SPSS). The data that has been collected will be tested statistically, namely validity test, reliability test, classical assumption test, and hypothesis test consisting of multiple linear regression tests, f tests for simultaneous hypotheses, t tests for partial hypotheses and coefficient of determination tests.The results of this study indicate that financial literacy does not have a significant and positive effect on the performance of MSMEs in Malang City. Technological literacy does not have a significant and positive effect on the performance of MSMEs in Malang City. Financial capital has a significant and positive effect on the performance of MSMEs in Malang City. Cultural and social capital has a significant and positive influence on the performance of MSMEs in Malang City. Financial literacy, technological literacy, financial capital, and cultural and social capital, if tested together or simultaneously, have a significant and positive effect on the performance of MSMEs in Malang City.

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