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All Journal JURNAL MANAJEMEN MOTIVASI
MTN, Rokhman
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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a Export Craft MSMEs' Performance and Financial Literacy: The Mediating Function of Financial Inclusion in Bangkalan, East Java Ratnawati; MTN, Rokhman; Esy Suraeni, Yuniwati
JURNAL MANAJEMEN MOTIVASI Vol 22 No 1 (2026): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v22i1.8567

Abstract

This study examines the effect of financial literacy on MSME performance with financial inclusion as a mediating variable. The sample consists of 120 export craft MSME actors in Bangkalan, Madura. SmartPLS was employed as the analytical method. Results show that financial literacy does not directly affect performance but significantly influences financial inclusion. Financial inclusion improves MSME performance and mediates the relationship between literacy and performance. These findings imply the need for policies supporting financial literacy and inclusion to enhance the competitiveness and sustainability of MSMEs.
Co-Authors Esy Suraeni, Yuniwati RATNAWATI