PENGARUH LITERASI KEUANGAN SYARI’AH DAN PEMBAYARAN DIGITAL (E-WALLET) TERHADAP PENINGKATAN OMZET USAHA MIKRO, KECIL, DAN MENENGAH (UMKM) PADA KELURAHAN GEDUNG JOHOR

Abstract

Thi_~s stud_~y ai_~ms to analyze_~ the_~ i_~nflue_~nce_~ of I_~slami_~c fi_~nanci_~al li_~te_~racy and_~ d_~i_~gi_~tal payme_~nt (e_~-walle_~t) on i_~ncre_~asi_~ng the_~ turnove_~r of Mi_~cro, Small, and_~ Me_~d_~i_~um E_~nte_~rpri_~se_~s (MSME_~s) i_~n Ge_~d_~ung Johor Vi_~llage_~. Thi_~s re_~se_~arch i_~s moti_~vate_~d_~ by the_~ i_~mportance_~ of shari_~a-base_~d_~ fi_~nanci_~al manage_~me_~nt and_~ the_~ uti_~li_~zati_~on of d_~i_~gi_~tal payme_~nt te_~chnology to support busi_~ne_~ss d_~e_~ve_~lopme_~nt i_~n the_~ d_~i_~gi_~tal e_~ra. Thi_~s stud_~y e_~mploye_~d_~ a quanti_~tati_~ve_~ approach wi_~th an associ_~ati_~ve_~ re_~se_~arch d_~e_~si_~gn. The_~ populati_~on i_~n thi_~s stud_~y consi_~ste_~d_~ of 110 MSME_~ actors, wi_~th a sample_~ of 86 re_~spond_~e_~nts d_~e_~te_~rmi_~ne_~d_~ usi_~ng the_~ Slovi_~n formula and_~ purposi_~ve_~ sampli_~ng te_~chni_~que_~. D_~ata we_~re_~ colle_~cte_~d_~ through que_~sti_~onnai_~re_~s usi_~ng a Li_~ke_~rt scale_~ and_~ analyze_~d_~ usi_~ng vali_~d_~i_~ty te_~sts, re_~li_~abi_~li_~ty te_~sts, classi_~cal assumpti_~on te_~sts, multi_~ple_~ li_~ne_~ar re_~gre_~ssi_~on analysi_~s, t-te_~st, F-te_~st, and_~ coe_~ffi_~ci_~e_~nt of d_~e_~te_~rmi_~nati_~on. The_~ re_~sults showe_~d_~ that parti_~ally, I_~slami_~c fi_~nanci_~al li_~te_~racy had_~ a posi_~ti_~ve_~ and_~ si_~gni_~fi_~cant e_~ffe_~ct on i_~ncre_~asi_~ng MSME_~ turnove_~r, wi_~th a t-count of 5.912 > t-table_~ of 1.989 and_~ a si_~gni_~fi_~cance_~ value_~ of 0.000 < 0.05, whi_~le_~ d_~i_~gi_~tal payme_~nt (e_~-walle_~t) also had_~ a posi_~ti_~ve_~ and_~ si_~gni_~fi_~cant e_~ffe_~ct on i_~ncre_~asi_~ng MSME_~ turnove_~r, wi_~th a t-count of 4.668 > t-table_~ of 1.989 and_~ a si_~gni_~fi_~cance_~ value_~ of 0.000 < 0.05. Si_~multane_~ously, I_~slami_~c fi_~nanci_~al li_~te_~racy and_~ d_~i_~gi_~tal payme_~nt (e_~-walle_~t) had_~ a posi_~ti_~ve_~ and_~ si_~gni_~fi_~cant e_~ffe_~ct on i_~ncre_~asi_~ng MSME_~ turnove_~r, wi_~th an F-count of 31.816 > F-table_~ of 3.105 and_~ a si_~gni_~fi_~cance_~ value_~ of 0.000 < 0.05. The_~ coe_~ffi_~ci_~e_~nt of d_~e_~te_~rmi_~nati_~on (R²) of 0.434 i_~nd_~i_~cate_~s that 43.4% of the_~ vari_~ati_~on i_~n MSME_~ turnove_~r i_~ncre_~ase_~ can be_~ e_~xplai_~ne_~d_~ by the_~se_~ two vari_~able_~s, whi_~le_~ the_~ re_~mai_~ni_~ng 56.6% i_~s i_~nflue_~nce_~d_~ by othe_~r factors outsi_~d_~e_~ thi_~s stud_~y. Thus, i_~mprovi_~ng I_~slami_~c fi_~nanci_~al li_~te_~racy and_~ opti_~mi_~zi_~ng the_~ use_~ of e_~-walle_~ts can be_~ i_~mportant factors i_~n e_~ncouragi_~ng the_~ i_~ncre_~ase_~ of MSME_~ turnove_~r i_~n Ge_~d_~ung Johor Vi_~llage_~.