MINDSET KEWIRAUSAHAAN SEBAGAI PEMODERASI PENGARUH MODAL USAHA, JAM KERJA DAN FINANCIAL TECHNOLOGY TERHADAP PENDAPATAN UMKM

ALDY SIJABAT, NPM 2210100002 (2026) MINDSET KEWIRAUSAHAAN SEBAGAI PEMODERASI PENGARUH MODAL USAHA, JAM KERJA DAN FINANCIAL TECHNOLOGY TERHADAP PENDAPATAN UMKM. Tugas_Akhir(Artikel) Journal of Innovative and Creativity, 6 (2). pp. 444488-44500. ISSN 2775-771X (e-ISSN) 2962-570X (p-ISSN)

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh modal usaha, jam kerja, dan financial technology terhadap pendapatan UMKM sektor kuliner di Kabupaten Labuhanbatu Selatan, serta menguji peran mindset kewirausahaan sebagai variabel moderasi. UMKM kuliner di daerah ini menghadapi tantangan fluktuasi pendapatan meskipun jumlah usaha terus bertambah, sehingga diperlukan kajian komprehensif tentang faktor-faktor yang memengaruhinya. Penelitian menggunakan pendekatan kuantitatif dengan sampel sebanyak 95 pelaku UMKM kuliner yang tersebar di Kecamatan Kotapinang dan Kampung Rakyat. Data dikumpulkan melalui kuesioner skala Likert 5 poin dan dianalisis menggunakan SmartPLS 4.0 dengan evaluasi model pengukuran dan model struktural. Hasil penelitian menunjukkan bahwa modal usaha (koefisien 0,534; t=9,122), jam kerja (koefisien 0,301; t=4,620), dan financial technology (koefisien 0,278; t=4,034) berpengaruh positif dan signifikan terhadap pendapatan UMKM. Mindset kewirausahaan terbukti memoderasi pengaruh modal usaha terhadap pendapatan (koefisien interaksi 0,147; t=2,636; p=0,008), namun tidak terbukti memoderasi pengaruh jam kerja dan financial technology. Model penelitian mampu menjelaskan 79,6% variasi pendapatan UMKM (R²=0,796). Penelitian ini menyimpulkan bahwa modal usaha, jam kerja, dan financial technology secara langsung meningkatkan pendapatan UMKM, sementara mindset kewirausahaan hanya memperkuat pengaruh modal usaha. Penelitian ini merekomendasikan penguatan modal usaha, optimalisasi jam kerja, adopsi financial technology, dan pengembangan mindset kewirausahaan bagi pelaku UMKM, serta kebijakan pemerintah daerah yang mendukung akses permodalan, literasi digital, dan pelatihan kewirausahaan untuk meningkatkan pendapatan UMKM kuliner secara berkelanjutan. Kata Kunci: Pendapatan, Mindset Kewirausahaan, Modal Usaha, Jam Kerja, Financial Technology ================================================================================================ This study aims to analyze the influence of business capital, working hours, and financial technology on the income of culinary sector MSMEs in South Labuhanbatu Regency, as well as to examine the role of entrepreneurial mindset as a moderating variable. Culinary MSMEs in this region face income fluctuation challenges despite the increasing number of businesses, necessitating a comprehensive study of the influencing factors. The research employed a quantitative approach with a sample of 95 culinary MSME actors spread across Kotapinang and Kampung Rakyat Districts. Data were collected through a 5-point Likert scale questionnaire and analyzed using SmartPLS 4.0 with measurement and structural model evaluations. The results showed that business capital (coefficient 0.534; t=9.122), working hours (coefficient 0.301; t=4.620), and financial technology (coefficient 0.278; t=4.034) have a positive and significant effect on MSME income. Entrepreneurial mindset was proven to moderate the effect of business capital on income (interaction coefficient 0.147; t=2.636; p=0.008), but did not moderate the effect of working hours and financial technology. The research model explained 79.6% of the variation in MSME income (R²=0.796). This study concludes that business capital, working hours, and financial technology directly increase MSME income, while entrepreneurial mindset only strengthens the effect of business capital. This study recommends strengthening business capital, optimizing working hours, adopting financial technology, and developing entrepreneurial mindset among MSME actors, as well as local government policies that support capital access, digital literacy, and entrepreneurship training to sustainably increase culinary MSME income. Keywords: Income, Entrepreneurial Mindset, Business Capital, Working Hours, Financial Technology

Item Type:	Article
Uncontrolled Keywords:	Pendapatan, Mindset Kewirausahaan, Modal Usaha, Jam Kerja, Financial Technology===============Income, Entrepreneurial Mindset, Business Capital, Working Hours, Financial Technology
Subjects:	H Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management H Social Sciences > HF Commerce > HF5601 Accounting
Divisions:	Fakultas Ekonomi dan Bisnis > Akuntansi
Depositing User:	Unnamed user with email repository@ulb.ac.id
Date Deposited:	28 Oct 2026 07:51
Last Modified:	28 Oct 2026 07:51
URI:	http://repository.ulb.ac.id/id/eprint/2950

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