ABSTRACT
Financial inclusion can reduce social disparities and poverty and increase economic growth and national financial efficiency. Access to financial services is provided to all segments of the society. Currently, MSMEs are still experiencing difficulties in terms of capital. Access to financial services in banking is also still difficult due to the lack of financial information on the MSMEs when compared to large, more transparent companies; thus, banks have more difficulty in assessing the creditworthiness of MSMEs. This study examines the influence of financial technology (fintech), which is developing rapidly in Indonesia. The variables used in this study are financial inclusion, MSME performance, and the use of fintech e-payment as moderating variables. The results revealed that financial inclusion has a relationship with the performance of MSMEs. Financial inclusion encourages people to access financial products, and people can more freely use their money to make transactions. The fintech variable does not have a moderating effect on the relationship between financial inclusion and MSME performance.
