CD Skripsi
Pengaruh Modal, Teknologi Digital, Dan Literasi Keuangan Terhadap Pendapatan Umkm (Studi Empiris Pada Umkm Manufaktur Di Kabupaten Bengkalis)
ABSTRACT
MSMEs play an important role in the regional economy, especially in Bengkalis Regency, which has great potential in the manufacturing sector. However, many MSME actors face obstacles in developing their businesses, especially related to limited capital, low utilization of digital technology, and lack of understanding in financial management. This study aims to analyze the effect of capital, digital technology, and financial literacy on the income of manufacturing MSMEs in Bengkalis Regency. Given the importance of the MSME sector in the regional economy, this study attempts to identify factors that can increase the income of business actors. The study population was 15,409 manufacturing MSMEs in Bengkalis Regency, with a sample of 370 respondents selected using purposive sampling techniques. Data were collected through questionnaires and analyzed using the Statistical Package for the Social Sciences (SPSS). The results of the study showed that capital and digital technology had a positive and significant effect on MSME income, financial literacy also had a positive effect on MSME income.
Keywords: Capital, Digital Technology, Financial Literacy, MSME Income, Bengkalis Regency.
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