TRANSFORMATION OF MSMES’ FINANCIAL BEHAVIOR: THE ROLE OFFINANCIAL TECHNOLOGY, FINANCIAL LITERACY, AND FINANCIAL INCLUSIONIN PEKALONGAN CITY

Authors

  • Putri Wahyuningsih Management, Universitas Pekalongan , Indonesia Author
  • Anggrainy Putri Ayuningrum Management, Universitas Pekalongan , Indonesia Author
  • Meliza Meliza Management, Universitas Pekalongan , Indonesia Author
  • Chalimah Chalimah Management, Universitas Pekalongan , Indonesia Author
  • Mahirun Mahirun Magister Management, Universitas Pekalongan , Indonesia Author
  • Ahmad Syaiful Affa Management, Universitas Pekalongan , Indonesia Author
  • Dewi Yuniar Magetana Management, Universitas Pekalongan , Indonesia Author
  • Rika Adriyana Accounting, Universitas Pekalongan , Indonesia Author
  • Fatmadali Khoirunisa Management, Universitas Pekalongan , Indonesia Author

DOI:

https://doi.org/10.32424/icsema.v2i1.675

Keywords:

Financial Technology, Literasi Keuangan, Inklusi Keuangan, Perilaku Keuangan

Abstract

Financial behavior is a key factor in creating financial stability. This study aims to examine and
analyze the effects of financial technology, financial literacy, and financial inclusion on the financial
behavior of MSMEs in Pekalongan City. The sampling technique used was non-probability sampling
with a purposive sampling method. The sample obtained in this study consisted of 100 respondents
who are MSME actors in Pekalongan City. This study used multiple linear regression analysis and
conducted partial hypothesis testing (t-test).
The results of this study indicate that financial technology has a positive and significant effect on
the financial behavior of SME operators in Pekalongan City. Financial literacy has a positive but
insignificant effect on the financial behavior of SME operators in Pekalongan City. Financial
inclusion has a positive but insignificant effect on the financial behavior of SME operators in
Pekalongan City.

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Published

2026-08-10

Issue

Vol. 2 (2026): The International Conference on Sustainable Economics, Management, and Accounting (ICSEMA 2026) Proceeding

Section

Articles

License

Copyright (c) 2026 Putri Wahyuningsih, Anggrainy Putri Ayuningrum, Meliza Meliza, Chalimah Chalimah, Mahirun Mahirun, Ahmad Syaiful Affa, Dewi Yuniar Magetana, Rika Adriyana, Fatmadali Khoirunisa (Author)

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

How to Cite

TRANSFORMATION OF MSMES’ FINANCIAL BEHAVIOR: THE ROLE OFFINANCIAL TECHNOLOGY, FINANCIAL LITERACY, AND FINANCIAL INCLUSIONIN PEKALONGAN CITY. (2026). The International Conference on Sustainable Economics Management and Accounting Proceeding, 2(1), 70-78. https://doi.org/10.32424/icsema.v2i1.675