Pemanfaatan Financial Technology dalam Meningkatkan Keberdayaan Ekonomi Perempuan (Kasus: Perempuan Pelaku UMKM Bidang Kuliner Binaan Unit Social Responsibility Center Telkom, Kota Bogor)

Abstract

Financial technology (fintech) memberikan peluang bagi perempuan pelaku UMKM untuk memperoleh akses keuangan yang lebih mudah, tetapi pemanfaatannya belum tentu diikuti oleh peningkatan keberdayaan ekonomi. Penelitian ini bertujuan mengidentifikasi perubahan akses dan penggunaan fintech dalam kegiatan usaha, faktor pendukung dan penghambat pemanfaatannya, serta pengaruhnya terhadap pemberdayaan ekonomi perempuan. Penelitian menggunakan pendekatan kuantitatif yang didukung data kualitatif. Data diperoleh melalui survei terhadap 59 perempuan pelaku UMKM binaan Unit Social Responsibility Center Telkom di Kota Bogor, wawancara mendalam, dan observasi lapang yang kemudian dianalisis menggunakan SEM-PLS. Hasil penelitian menunjukkan adanya perubahan akses dan penggunaan fintech dalam kegiatan usaha. Pemanfaatan fintech didukung oleh pelatihan dan pendampingan, komunitas, serta tuntutan pasar, sedangkan hambatan berupa perbedaan kemampuan menggunakan fintech dan kendala teknis. Hasil SEM-PLS menunjukkan bahwa access berpengaruh positif signifikan terhadap resources, sedangkan usage tidak signifikan. Selanjutnya, resources berpengaruh positif signifikan terhadap agency, dan agency terhadap achievements.

Financial technology (fintech) provides women-owned MSMEs with greater access to financial services, yet its utilization does not necessarily enhance women's economic empowerment. This study aimed to identify changes in fintech access and usage in business activities, the supporting and inhibiting factors affecting its utilization, and its effects on women’s economic empowerment. The study employed a quantitative approach supported by qualitative data. Data were collected through a survey of 59 women-owned MSMEs assisted by Social Responsibility Center (SRC) Telkom in Bogor City, in-depth interviews, field observations, and were analyzed using SEM-PLS. The results showed changes in fintech access and usage in business activities. Fintech utilization is supported by training and mentoring, communities, and market demand, while constraints include differences in the ability to use fintech and technical challenges. The PLS-SEM results showed that access had a significant positive effect on resources, while usage was not significant. Furthermore, resources had a significant positive effect on agency, and agency had a significant positive effect on achievements.