Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Southeast Asian Journal of Management and Research
Muh. Nur
Sekolah Tinggi Ilmu Ekonomi Enam Enam Kedari
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
The Influence of Financial Literacy, Financial Inclusion, and Digital Technology on the Financial Performance of MSMEs in the Digital Economy Era Muh. Nur; David Christian Engelbert Lisapaly; Ami Nurhayati; Dwi Urip Wardoyo; Awaluddin
SAJMR : Southeast Asian Journal of Management and Research Vol. 4 No. 2 (2026): May
Publisher : Yayasan Putra Adi Dharma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61402/sajmr.v4i2.603

Abstract

This study aims to analyze the influence of financial literacy, financial inclusion, and digital technology on the financial performance of Micro, Small, and Medium Enterprises (MSMEs) in the digital economy era. This research employs a Systematic Literature Review (SLR) approach using the PRISMA framework to identify, evaluate, and synthesize relevant studies published between 2019 and 2025. A total of 30 selected journal articles from Scopus-indexed and SINTA-accredited sources were analyzed. The findings indicate that financial literacy significantly improves financial decision-making and business sustainability, financial inclusion enhances access to formal financial services and funding opportunities, and digital technology adoption increases operational efficiency and market expansion. Furthermore, the integration of these three variables provides a stronger and more sustainable impact on MSMEs’ financial performance. This study contributes to the development of strategies for strengthening MSMEs in the digital economy through financial capability and digital transformation
Co-Authors Ami Nurhayati Awaluddin David Christian Engelbert Lisapaly Dwi Urip Wardoyo