Electronic Theses and Dissertation

Penelitian ini bertujuan untuk menganalisis pengaruh adopsi teknologi, dukungan pemerintah, dan penerapan Islamic Wealth Management terhadap kinerja UMKM di Kota Banda Aceh, baik secara parsial maupun simultan. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian survei. Penelitian dilaksanakan di Kota Banda Aceh pada tahun 2024–2025. Sampel penelitian sebanyak 100 responden yang ditentukan menggunakan rumus Slovin dan teknik purposive sampling. Instrumen penelitian menggunakan kuesioner dengan skala Likert. Teknik analisis data menggunakan analisis regresi linier berganda dengan bantuan perangkat lunak SPSS versi 27. Hasil penelitian menunjukkan bahwa adopsi teknologi berpengaruh positif dan signifikan terhadap kinerja UMKM, penerapan Islamic Wealth Management juga berpengaruh positif dan signifikan terhadap kinerja UMKM, sedangkan dukungan pemerintah tidak berpengaruh signifikan secara parsial terhadap kinerja UMKM. Namun demikian, secara simultan adopsi teknologi, dukungan pemerintah, dan Islamic Wealth Management berpengaruh signifikan terhadap kinerja UMKM di Kota Banda Aceh. Secara keseluruhan, adopsi teknologi dan penerapan Islamic Wealth Management menjadi faktor penting dalam meningkatkan kinerja UMKM, sementara dukungan pemerintah perlu dioptimalkan agar memberikan dampak yang lebih nyata bagi pelaku usaha.

Kata Kunci: Adopsi Teknologi, Dukungan Pemerintah, Islamic Wealth
Management, Kinerja UMKM

This study aims to analyze the effect of technology adoption, government support, and the implementation of Islamic Wealth Management on the performance of Micro, Small, and Medium Enterprises (MSMEs) in Banda Aceh City, both partially and simultaneously. This research employs a quantitative approach with a survey research design. The study was conducted in Banda Aceh City during 2024–2025. The research sample consisted of 100 respondents, determined using the Slovin formula and purposive sampling technique. The research instrument uses a questionnaire with a Likert scale. Data analysis was carried out using multiple linear regression analysis with the assistance of SPSS version 27 software. The results show that technology adoption has a positive and significant effect on MSME performance, and the implementation of Islamic Wealth Management also has a positive and significant effect on MSME performance, while government support does not have a significant partial effect on MSME performance. However, simultaneously, technology adoption, government support, and Islamic Wealth Management have a significant effect on the performance of MSMEs in Banda Aceh City. Overall, technology adoption and the implementation of Islamic Wealth Management are important factors in improving MSME performance, while government support needs to be optimized to have a more tangible impact on business actors. Keywords: Technology Adoption, Government Support, Islamic Wealth Management, MSME Performance