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All Journal Dinasti International Journal of Economics, Finance & Accounting (DIJEFA)
Oktaviani, Luh Gede Adilia
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Economics, Econometrics & Finance

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The Mediating Effect of Business Performance on the Relationship between Financial Literacy and MSMEs’ Loan Repayment Performance Oktaviani, Luh Gede Adilia; Sri Werastuti, Desak Nyoman
Dinasti International Journal of Economics, Finance & Accounting Vol. 7 No. 1 (2026): Dinasti International Journal of Economics, Finance & Accounting (March-April 2
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v7i1.6265

Abstract

This study aims to analyze the effect of financial literacy on business performance and its impact on MSMEs’ loan repayment performance in Buleleng Regency. This research employs a quantitative approach with MSMEs in Buleleng Regency as the population, totaling 66,368 business units. The sample was determined using the Slovin formula with a 10% margin of error, resulting in a minimum sample size of 100 MSMEs in Buleleng Regency. The sample was selected using a purposive sampling technique. Data were collected through questionnaires distributed directly to MSME owners. The data collection method utilized a questionnaire measured on a 1-4 Likert scale. Data analysis was conducted using Structural Equation Modeling Partial Least Squares (SEM-PLS) with the assistance of SmartPLS version 3 software. The results indicate that financial literacy has a positive effect on business performance and loan repayment performance, business performance has a positive effect on loan repayment performance, and financial literacy influences loan repayment performance through business performance.
Co-Authors Ak. S.E. Desak Nyoman Sri Werastuti .