The Effect of Fintech Transactions, E-Commerce, and Human Resources Quality onthe Competitiveness of Small Medium Apparel Industries in Denpasar City

ABSTRACT :Small and Medium Industries (SMIs) are industries that are able to contribute on economicgrowth. One type of SMIs that is apparel industries. The development of the apparel industries certainly createscompetition among business owners. Competitiveness on the apparel industries needs to be maintained, so thatthe industries does not lag behind causing a decrease of the number industries. The purpose of this research wasto analyze simultaneous and partial effect of fintech transaction, e-commerce, and human resources quality onthecompetitiveness of smallmediumapparel industriesinDenpasarCity.Theresearchpopulationisallapparel SMIsin Denpasar City with a sample is 87 respondents. The results research found that fintech transaction, ecommerce, and human resources quality simultaneously had a significant effect on the competitiveness of smallmedium apparel industries in Denpasar City. Fintech transactions partially has a positive and significant effectonthecompetitivenessofsmallmediumapparelindustriesinDenpasarCity.E-commercepartiallyhasapositive andsignificant effect on the competitiveness of small medium apparel industries in Denpasar City. Human resourcesquality partially has a positive and significant effect on the competitiveness of small medium apparel industriesin DenpasarCity.

KEYWORDS :Competitiveness, small medium apparel industries, fintech transactions, e-commerce, humanresources quality