Pengaruh Literasi Keuangan Digital dan Risiko Siber terhadap Keberlanjutan UMKM di Kota X
Abstract
Abstract: MSMEs play a strategic role in the local and national economy, but in the digital era they face challenges of digital financial literacy and cyber risks that can threaten business sustainability. This study aims to analyze the effect of digital financial literacy and cyber risks on the sustainability of MSMEs in City X. The research method used is a quantitative approach with a survey technique through questionnaires distributed to 60 MSME actors, and the data was analyzed using multiple linear regression. The results show that both digital financial literacy and cyber risks have a positive and significant effect on the sustainability of MSMEs, with cyber risks making a more dominant contribution. These findings indicate that mastery of financial technology and readiness to face digital threats are key factors in maintaining and developing businesses. The practical implications of this study are the importance of integrated policies and training programs that combine digital financial education and cyber security for MSME players.
Abstrak: UMKM memiliki peran strategis dalam perekonomian lokal dan nasional, namun di era digital mereka menghadapi tantangan literasi keuangan digital dan risiko siber yang dapat mengancam keberlanjutan usaha. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan digital dan risiko siber terhadap keberlanjutan UMKM di Kota X. Metode penelitian yang digunakan adalah pendekatan kuantitatif dengan teknik survei melalui kuesioner yang disebarkan kepada 60 pelaku UMKM, dan data dianalisis menggunakan regresi linear berganda. Hasil penelitian menunjukkan bahwa baik literasi keuangan digital maupun risiko siber berpengaruh positif dan signifikan terhadap keberlanjutan UMKM, dengan risiko siber memberikan kontribusi yang lebih dominan. Temuan ini menunjukkan bahwa penguasaan teknologi finansial dan kesiapan menghadapi ancaman digital merupakan faktor kunci dalam mempertahankan dan mengembangkan usaha. Implikasi praktis dari studi ini adalah pentingnya kebijakan dan program pelatihan terpadu yang menggabungkan edukasi keuangan digital dan keamanan siber bagi pelaku UMKM.
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DOI: https://doi.org/10.31764/jseit.v6i1.35541
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