Pengaruh Payment Gateway dan Peer-to-Peer (P2P) Lending terhadap Peningkatan Pendapatan UMKM Bidang Kuliner di Kota Palembang

The utilization of financial technology (fintech) has become a critical strategy for MSMEs to increase revenue in the digital era. This study aims to analyze the influence of Payment Gateway and Peer-to-Peer (P2P) Lending on the income growth of culinary MSMEs in the Seberang Ulu area, Palembang City. A quantitative method with an associative approach was employed. The sample consisted of 100 culinary MSME respondents selected through Simple Random Sampling. Data were collected using a five-point Likert scale questionnaire and analyzed with multiple linear regression using SPSS. Results indicate that Payment Gateway has a positive and significant effect on MSME income growth (β = 0.391; t = 5.606; p < 0.05), as does P2P Lending (β = 0.183; t = 3.202; p < 0.05). Simultaneously, both variables explain 57.3% of the variance in income growth (R² = 0.573; F = 65.165; p < 0.001). These findings affirm that integrated adoption of digital financial technology for both payment and financing constitutes an effective strategy for promoting MSME income growth in the digital era.