THE IMPACT OF FINANCIAL TECHNOLOGY (FINTECH) ADOPTION ON THE INCOME OF MICRO, SMALL AND MEDIUM ENTERPRISES (MSMEs) IN TUGUMULYO DISTRICT

The development of financial technology (fintech) has changed the way MSMEs conduct transactions while opening up wider access to financing. This study aims to analyze the effect of fintech on the income of MSMEs in Tugumulyo District, with fintech proxied by the use of peer-to-peer (P2P) lending services and the Indonesian Standard Quick Response Code (QRIS). This study uses a quantitative approach with a causal design. Primary data were collected through questionnaires distributed to 70 MSME o