Analisis Dampak Adopsi Embedded Finance dan Disiplin Keuangan terhadap Arus Kas UMKM Perdagangan di Jawa Tengah
DOI:
https://doi.org/10.58812/jmws.v5i04.3332Kata Kunci:
Manajemen Keuangan Terpadu, Disiplin Keuangan, Arus Kas, UMKM, Sektor PerdaganganAbstrak
Penelitian ini bertujuan untuk menganalisis dampak manajemen keuangan terintegrasi dan disiplin keuangan terhadap arus kas Usaha Mikro, Kecil, dan Menengah (UMKM) di sektor perdagangan di Jawa Tengah. Pendekatan penelitian kuantitatif digunakan dengan memanfaatkan data primer yang dikumpulkan dari 85 pelaku UMKM melalui kuesioner terstruktur yang diukur menggunakan skala Likert. Analisis data dilakukan menggunakan SPSS versi 25, meliputi statistik deskriptif, uji validitas dan reliabilitas, uji asumsi klasik, serta analisis regresi linier berganda. Hasil menunjukkan bahwa manajemen keuangan terintegrasi memiliki pengaruh positif dan signifikan terhadap arus kas, yang mengindikasikan bahwa perencanaan, pencatatan, dan pengendalian keuangan yang sistematis meningkatkan stabilitas keuangan. Disiplin keuangan juga memiliki pengaruh positif dan signifikan, yang menyoroti pentingnya perilaku keuangan yang konsisten dalam mengelola keuangan usaha. Secara bersamaan, kedua variabel tersebut secara signifikan mempengaruhi arus kas, dengan koefisien penentuan (R²) sebesar 0,487, artinya 48,7% variasi arus kas dijelaskan oleh kedua variabel independen tersebut. Temuan ini menyarankan bahwa integrasi sistem manajemen keuangan yang terstruktur dan perilaku keuangan yang disiplin sangat penting untuk meningkatkan keberlanjutan keuangan UMKM. Studi ini memberikan implikasi praktis bagi pelaku UMKM dan pembuat kebijakan untuk memperkuat kemampuan keuangan guna meningkatkan kinerja dan ketahanan bisnis.
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