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This Author published in this journals
All Journal Jurnal Bisnis dan Kewirausahaan (Journal of Business and Entrepreneurship)
Sufiyanto Sufiyanto
Digital Business Study Program, Faculty of Economics and Business, Universitas Wiraraja, East Java, Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Languange, Linguistic, Communication & Media Social Sciences

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FINANCIAL TECHNOLOGY ADOPTION, FINANCIAL LITERACY, AND WORKING CAPITAL AS DETERMINANTS OF MSMEs’ FINANCIAL PERFORMANCE: EVIDENCE FROM SUMENEP REGENCY Sufiyanto Sufiyanto; Moh. Baqir Ainun
Journal of Business And Entrepreneurship Vol. 14 No. 1 (2026): JOURNAL OF BUSINESS AND ENTREPRENEURSHIP (May 2026 Edition)
Publisher : Sampoerna University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46273/jobe.v14i1.583

Abstract

The rapid development of financial technology (FinTech) has increased the importance of financial performance for micro, small, and medium enterprises (MSMEs), particularly in developing regions. This study examines the effect of financial technology adoption, financial literacy, and working capital on the financial performance of MSMEs in Sumenep Regency. Using a quantitative approach, data were collected through questionnaires from 74 MSME owners and analyzed using multiple linear regression. The results indicate that financial technology adoption and working capital have a positive and significant effect on financial performance, while financial literacy shows no significant influence. However, the three variables jointly have a significant impact on MSME financial performance. These findings highlight the importance of digital financial adoption and effective working capital management, while emphasizing the need for practical support to enhance the effectiveness of financial literacy initiatives.
Co-Authors Moh. Baqir Ainun