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Abstract

Purpose – This research aims to analyze the factors influencing MSME’s decisions digital payment in Klaten regions.
Methods – The data used were primary data from a survey of 50 MSME as respondents, using purposive random sampling. Logistic regression was used for data analysis
Findings – The study results indicate that business type (food or non-food) and turnover significantly influence the probability of using digital payments.
Implication – Business type segmentation strategies and increasing turnover capacity are important in encouraging digital payment adoption among MSME.
Originality – This research contributes to economic development policies related to digital financial literacy for MSME.


Abstrak
Tujuan – Penelitian ini bertujuan untuk menganalisis faktor yang mempengaruhi keputusan UMKM menggunakan pembayaran digital di wilayah Klaten.
Metode – Data yang digunakan data primer dari survei 50 pelaku UMKM sebagai responden dengan teknik pemilihan sampel secara purposive random sampling. metode analisis data menggunakan regresi logistik.
Temuan – Hasil studi menunjukkan bahwa jenis usaha (makanan atau non-makanan) dan omzet berpengaruh signifikan terhadap probabilitas penggunaan pembayaran digital.
Implikasi – Pentingnya strategi segmentasi jenis usaha dan peningkatan kapasitas omzet dalam mendorong adopsi pembayaran digital di kalangan UMKM
Orisinalitas – Penelitian ini berkontribusi terhadap kebijakan pembangunan ekonomi terkait literasi keuangan digital bagi UMKM.

Keywords

UMKM Pembayaran Digital Regresi Logistik

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Copyright (c) 2026 Pandya Apratya Diraksa Abhirama, Prastowo Prastowo

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How to Cite
Abhirama, P. A. D., & Prastowo, P. (2026). Analisis faktor-faktor keputusan UMKM menggunakan pembayaran digital di Klaten. Jurnal Kebijakan Ekonomi Dan Keuangan, 4(2), 205–213. https://doi.org/10.20885/JKEK.vol4.iss2.art8
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