Kemampuan Inovasi dan Digitalisasi dalam mendorong Kinerja UMKM: Perspektif Berbasis Sumber Daya
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Abstract
Penelitian ini menguji pengaruh inovasi, literasi keuangan, dan digitalisasi terhadap kinerja UMKM (Y) di Kota Yogyakarta. Metode kuantitatif digunakan dengan data primer yang dikumpulkan melalui kuesioner. Sampel dipilih secara purposive sebanyak 100 UMKM yang terdaftar di Dinas Koperasi dan UMKM Kota Yogyakarta serta platform digital seperti GoFood, GrabFood, atau ShopeeFood. Analisis data dilakukan dengan model regresi linear berganda menggunakan SPSS versi 26.0. Hasil penelitian menunjukkan bahwa inovasi dan digitalisasi secara signifikan berpengaruh positif terhadap kinerja UMKM. Sebaliknya, literasi keuangan terbukti tidak memiliki pengaruh yang signifikan terhadap kinerja UMKM. Temuan ini mengimplikasikan bahwa peningkatan kinerja UMKM di Kota Yogyakarta lebih efektif ditempuh melalui penguatan kapasitas inovasi dan adopsi teknologi digital, dibandingkan intervensi pada aspek literasi keuangan.
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