CD Skripsi
Pengaruh Modal, Tingkat Pendidikan, Dan Financial Technology Terhadap Pendapatan Umkm (Studi Empiris Pada Umkm Di Kota Pekanbaru)
ABSTRACT
This study aims to analyze the influence of Capital (X1), Education Level, and Financial Technology (X3) on MSME Income (Y) in Pekanbaru City. The population in this study is MSMEs in Pekanbaru. In this study, a sample of 124 respondents was obtained by purposive sampling method. This study uses primary data obtained from the distribution of questionnaires distributed to MSME owners in Pekanbaru City. The data analysis technique consists of classical assumption tests (validity test, reliability test, normality test, multicollinearity test and heteroscedasticity test) and hypothesis test (f test, t test, and multiple regression analysis) using the IBM SPSS program version 26.0. The results of the study show that: 1) Capital affects MSME Income in Pekanbaru City, 2) Education Level affects MSME Income in Pekanbaru City, 3) Financial Technology affects MSME Income in Pekanbaru City. These findings indicate that these three independent variables are important factors in increasing the income of MSME actors. Therefore, increasing access to capital, relevant education, and the use of financial technology need to be a concern in efforts to develop MSMEs in the city of Pekanbaru.
Keywords: Capital, Education Level, Financial Technology, MSME Income
Tidak tersedia versi lain