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Knowledge of financial Management should be the basis for decision making for MSMEs in running their business. Supported by various regulations and facilities by the government and private sector, MSMEs should be able to make the best use of technology in accordance with their business needs. Fintech is a financial service that can help players to make payment transactions. This research uses descriptive qualitative method with the aim to find out the level of MSMEs financial literacy in Mojokerto City about Financial Technology (Fintech) Payment. Financial literacy has 4 levels: not literate, less literate, sufficient literate, well literate. Financial literacy is measured by indicators of knowledge, beliefs, features, benefits, risks, rights and obligations, and skills in using fintech payments. The key informants in this study are the owners of the MSMEs Paradox Cafe and John Like Bread in Mojokerto City who use fintech payment OVO in their business. The data analysis technique used in this study was triangulation. Based on the results of the interview it can be concluded that the Paradox Cafe and Bread of John Like Mojokerto City have a literacy level that is well literate because they have knowledge, beliefs, features, benefits, risks, rights and obligations, as well as skills in using fintech payment in managing financial transactions and in decision making for his efforts.

This study entitled: "Financial Literacy and Utility Products and Services Financial Institutions". The purpose of this research are: 1) Knowing and analyzing the financial literacy index of financial products and services to the students of the faculty of Economics and Business jenderal Soedirman University 2) Knowing and analyzing the utility index products and financial services to the students of Economics and Business Faculty; ; 3) Knowing and analyzing the causes and the high barriers to low index Financial Literacy and utility products and financial services among the students of the Faculty of Economics and Business Faculty; 4) Determine and analyze whether the effort made by Fiancial Service Autority, Financial Institutions and the Program to improve the financial literacy of students; 5) Provide input to the Financial Services Authority and the Program in preparing the financial literacy materials needed to improve students understanding of financial products and services. This research is a qualitative descriptive method analysis using informants population and students of the Faculty of Economics and Business UNSOED, the Financial Services Authority officials, managers of Studies, and Financial Institutions Officer. The results showed that financial literacy index of financial institutions that exist in Indonesia at the FEB students Unsoed still low at only $ 4.76 for students who are well literate and amounted to 95.24% in banking products and services. Causes and high barriers to low index of Literacy Financial and utility products and financial services among the students of the Faculty of Economics and Business UNSOED is: do not get the financial education of the family as a child (80%), not taught in formal education as a child (77%), not to get the material and a deep understanding of the subjects were obtained during the study (70%), and the limited funds received from parents and therefore can not be used to invest in products and services of financial institutions (93%). Therefore, the financial services authority need to be more intensive in propagating financial literacy program for students with conduct socialization activities continuously. While the Program need to improve financial learning with learning innovation, identifying subjects that are relevant to the Financial Literacy material, determine appropriate teaching methods and reviewing the curriculum back.