LITERASI KEUANGAN, INKLUSI KEUANGAN DAN FINANCIAL TECHNOLOGY DAMPAKNYA TERHADAP SUSTAINABILITY UMKM TARIK SIDOARJO

The absorption of labor is one of the roles of micro, small, and medium enterprises in achieving economic growth in developing countries, especially Indonesia. Sidoarjo is one of the areas that are in the national spotlight because it has earned the nickname "Indonesian MSME City." Tarik, as a part of Sidoarjo Regency, has a relatively large number of MSMEs. However, MSMEs are less able to manage their finances well and are still manual in carrying out sales transactions. Analyzing the influence of financial literacy, financial inclusion and financial technology on the sustainability of MSME businesses is the aim of this research. The research sample included MSME business actors in Tarik District who were still active, with a total of 100 respondents. Quantitative research with primary data sources uses questionnaires that have been tested for validity and reliability. Researchers carried out the analysis using multiple linear regression analysis with stratified random sampling techniques. Data processing uses SPSS version 26 program tools.