Dampak Literasi Keuangan, Persepsi Akses Keuangan Dan Adopsi Teknologi Informasi Komunikasi Terhadap Kemudahan Akses Kredit UMKM Surakarta

This study aims to analyze the influence of financial literacy, perceived access to finance, and the adoption of financial information technology on the ease of credit access for Micro, Small, and Medium Enterprises (MSMEs) in Surakarta City. A quantitative research method was employed by selecting MSME samples using purposive sampling. Data were collected through questionnaires distributed to 155 MSME participants. Data analysis was conducted using multiple linear regression to examine the influence of each variable on the ease of credit access. The research results show that financial literacy, perceived financial access, and adoption of information and communication technology have a positive and significant influence on ease of access to credit for MSMEs. These findings offer practical implications for financial institutions and the government in enhancing financial literacy programs and encouraging financial digitalization in the MSME sector to expand credit access and strengthen regional economies.