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reikaa happy
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Decision Sciences, Operations Research & Management Social Sciences

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The Influence of Financial Literacy and Financial Management on the Financial Performance of MSMEs (Case Study on the “MBOIS” MSME Community in Malang Raya) reikaa happy; Anik Nur Anini; Alyah Hasnah Saputri
Jurnal Bisnis dan Manajemen Vol. 13 No. 1 (2026): Jurnal Bisnis dan Manajemen Volume 13 Nomor 1 Tahun 2026
Publisher : Jurnal Bisnis dan Manajemen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jbm.v13i1.16885

Abstract

This study aims to analyze the effect of financial literacy and financial management on the financial performance of Micro, Small, and Medium Enterprises (MSMEs) that are members of the “MBOIS” MSME Community in Malang Raya. The research is motivated by the limited financial management capability of MSME actors, despite their significant contribution to regional economic development. Data were collected using a quantitative approach through structured questionnaires distribution to 33 MSME owners and analyzed using multiple linear regression with the assistance of IBM SPSS 25, proceed by validity, reliability, and classical assumption tests. The results indicate that financial literacy has a positive and significant effect on MSMEs’ financial performance, indicating that suboptimal financial management practices remain a major constraint. Simultaneously, financial literacy and financial management are proven to have a significant effect on MSMEs’ financial performance. The implications of this study emphasize the importance of enhancing financial literacy accompanied by practical financial management assistance. These findings are expected to serve as a reference for MSME development programs and future research.
Co-Authors Alyah Hasnah Saputri Anik Nur Anini