Unlocking The Potential: How Financial Inclusion and Financial Behavior Drive Growth in Culinary MSMEs

Abstract

Technological developments in the world that are increasinglyThe development of technology in an increasingly advanced world has affected people's lifestyles, especially the style of transactions. Technology is designed to facilitate all community activities. Starting from accessing all information from various countries to broaden horizons. In financial services fintech is present offering convenience in financial transactions to improve financial literacy. Jember Campus Area MSMEs players do not use financial technology due to a lack of understanding of financial literacy. The object in this study is culinary MSMEs players in the Jember campus area which has a sample size of 120 respondents using an unknown population size, the number of research respondents can be determined by referring to the minimum sample size requirements in a particular analysis. Data collection techniques using interviews and questionnaires. The analysis used in this study includes validity test, reliability test, classical assumption test (normality test, multicollinearity test, heteroscedasticity test), multiple linear regression analysis, and hypothesis testing (t test). The results of multiple linear regression analysis in this study prove that financial inclusion (0.261), financial behavior (0.235) has a significant effect on the growth of MSMEs