Pengaruh Pemanfaatan Teknologi, Literasi Keuangan, Tingkat Pendidikan, dan Kompetensi SDM Terhadap Kinerja UMKM di Kabupaten Sukoharjo

The aim of this research is to analyze the influence of technology use, financial literacy, education level, and HR competency on the performance of MSMEs in the Sukoharjo Regency. The population in this study comprised all MSME actors in the Sukoharjo Regency. A total of 100 respondents were included in this study. This study is quantitative research. The data analysis technique used in this research uses multiple linear regression analysis. The results of the research show that the technology utilization variable partially has a positive and significant effect on the performance of MSMEs in Sukoharjo, the financial literacy variable partially has a positive and significant effect on the performance of MSMEs in Sukoharjo, the level of education partially has a positive and significant effect on the performance of MSMEs in Sukoharjo, the competency variable Human resources partially have a positive and significant effect on the performance of MSMEs in Sukoharjo, and simultaneously the variables of technology utilization, financial literacy, education level and HR competency have a positive and significant effect on the performance of MSMEs in Sukoharjo.