Pengaruh Keuangan Digital Dan Budaya Organisasi Terhadap Kinerja Keuangan UMKM Di Kabupaten Karawang

Micro, Small and Medium Enterprises (MSMEs) play a role as one of the foundations of the nation's economy, as well as being the main supporter of Indonesia's economic structure. The purpose of this study is to examine how the influence of digital finance and organizational culture affects the financial performance of MSMEs in Karawang Regency. This study used quantitative research. The population of this study was all MSMEs operating in Karawang Regency. The researcher took a sample of 100 samples. The sampling technique was purposive sampling, and data were collected through questionnaires. According to this analysis, both relationships have a positive coefficient value. The results of the analysis indicate that the p-value of digital finance and organizational culture in this study have a significant impact on financial performance. The use of digital finance has been proven to increase transaction efficiency, accelerate payment processes, and facilitate financial recording, which overall has a positive impact on the financial performance of MSMEs. In addition, a strong organizational culture, characterized by values such as discipline, responsibility, cooperation, and innovation, facilitates the creation of a conducive work environment and integrates the achievement of financial goals in a more targeted manner. For future researchers, it is recommended to expand the research object to other regions using mixed methods for a more comprehensive insight into the influence of organizational culture.

KEY WORDS: Digital Finance, Organizational Culture, Financial Performance