PENGARUH FEE MARKETPLACE DAN PERCEIVED CUSTOMER PURCHASING POWER TERHADAP KINERJA UMKM KECIL DI BANDAR LAMPUNG DALAM PERSPEKTIF BISNIS ISLAM.

Tedi, Saputra (2026) PENGARUH FEE MARKETPLACE DAN PERCEIVED CUSTOMER PURCHASING POWER TERHADAP KINERJA UMKM KECIL DI BANDAR LAMPUNG DALAM PERSPEKTIF BISNIS ISLAM. Diploma thesis, UIN Raden Intan Lampung.

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Abstract

ABSTRAK Perkembangan digitalisasi ekonomi mendorong pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) memanfaatkan marketplace untuk memperluas jangkauan pasar dan meningkatkan penjualan. Namun, penggunaan platform digital juga menghadirkan tantangan, terutama meningkatnya fee marketplace seperti biaya administrasi, komisi penjualan, dan biaya promosi yang dapat mengurangi margin keuntungan pelaku usaha kecil. Selain itu, fluktuasi daya beli masyarakat akibat tekanan inflasi turut memengaruhi tingkat permintaan terhadap produk UMKM. Kondisi tersebut berpotensi memengaruhi kinerja UMKM, baik dari sisi penjualan, pertumbuhan pelanggan, maupun keberlanjutan usaha. Oleh karena itu, penelitian ini bertujuan menganalisis pengaruh fee marketplace dan perceived customer purchasing power terhadap kinerja UMKM kecil di Kota Bandar Lampung dalam perspektif bisnis Islam. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian eksplanatori. Data dikumpulkan melalui kuesioner dan dokumentasi. Sampel penelitian berjumlah 110 responden yang ditentukan menggunakan rumus Slovin. Pengujian hipotesis dilakukan dengan model regresi linier berganda berbasis Partial Least Squares Structural Equation Modeling (PLS-SEM) menggunakan perangkat lunak SmartPLS 4. Hasil penelitian menunjukkan bahwa fee marketplace berpengaruh negatif dan signifikan terhadap kinerja UMKM kecil dengan nilai original sample -0,255, T-statistik 3,221 > 1,96 dan Pvalue 0,001 < 0,05. Sementara itu, perceived customer purchasing power berpengaruh positif dan signifikan terhadap kinerja UMKM kecil dengan nilai original sample 0,468, T-statistik 5,372 > 1,96 dan P-value 0,000 < 0,05. Secara simultan, kedua variabel berpengaruh signifikan terhadap kinerja UMKM kecil dengan nilai Adjusted Rsquare sebesar 0,326 yang menunjukkan bahwa 32,6% variasi kinerja UMKM dapat dijelaskan oleh kedua variabel tersebut. Kata Kunci :Biaya Marketplace, Persepsi Daya Beli Konsumen, Kinerja UMKM Kecil, Bisnis Islam.ABSTRACT The development of economic digitalization encourages Micro, Small, and Medium Enterprises (MSMEs) to utilize marketplaces to expand market reach and increase sales. However, the use of digital platforms also presents challenges, particularly the increasing marketplace fees such as administrative fees, sales commissions, and promotional costs that can reduce the profit margins of small business actors. In addition, fluctuations in consumer purchasing power due to inflationary pressures also affect the level of demand for MSME products. These conditions have the potential to influence MSME performance, both in terms of sales, customer growth, and business sustainability. Therefore, this study aims to analyze the effect of marketplace fees and perceived customer purchasing power on the performance of small MSMEs in Bandar Lampung City from an Islamic business perspective. This study uses a quantitative approach with an explanatory research type. Data were collected through questionnaires and documentation. The research sample consisted of 110 respondents determined using the Slovin formula. Hypothesis testing was conducted using a multiple linear regression model based on Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4 software. The results show that marketplace fees have a negative and significant effect on the performance of small MSMEs with an original sample value of -0.255, a T-statistic of 3.221 > 1.96, and a Pvalue of 0.001 < 0.05. Meanwhile, perceived customer purchasing power has a positive and significant effect on the performance of small MSMEs with an original sample value of 0.468, a T-statistic of 5.372 > 1.96, and a P-value of 0.000 < 0.05. Simultaneously, both variables significantly influence the performance of small MSMEs with an Adjusted R-square value of 0.326, indicating that 32.6% of the variation in MSME performance can be explained by these two variables. Kata Kunci :Fee Marketplace, Perceived Customer Purchasing Power, Small MSME Performance, Islamic Business.

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