THE EFFECT OF PAYMENT GATEWAY MEDIATION ON THE INFLUENCE OF HUMAN CAPITAL ON FINANCIAL PERFORMANCE MSMEsease Just Try to Submit This Sample Abstract
Like lansita, Hidayatul Khusnah, Riyan Sisiawan Putra

Universitas Nahdlatul Ulama Surabaya

Abstract

Micro, small and medium enterprises (MSMEs) are a supporting sector that makes a big contribution to economic growth, and is even considered a solution to improve the country^s economy. However, the development of MSMEs still experiences obstacles in financial management. One way to overcome this problem is to increase the use of payment gateways. Increasing the use of payment gateways helps MSME players to minimize financial management risks in order to improve financial performance. The aim of this research is to empirically test the influence of human capital on the financial performance of MSMEs with payment gateways as mediation. This research uses a descriptive quantitative approach with primary data types and hypothesis testing using WarpPLS 7.0 software. The population in this study were all MSMEs in the city of Surabaya. The sampling method used was random sampling, totaling 100 respondents. The test results show that human capital has a positive and significant effect on the financial performance of MSMEs and payment gateways. payment gateway has a positive and significant effect on UMM^s financial performance. Payment gateways are able to mediate the influence of human capital on the financial performance of MSMEs.

Keywords: PleaseFinancial Performance, Human Capital, Payment gateway, MSMEs Just Try to Submit This Sample Abstract

Topic: Entrepreneurship and small medium entreprises