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All Journal Competence : Journal of Management Studies (Kompetensi : Jurnal Studi Manajemen) Eco-Entrepreneur Jurnal Ekonika : Jurnal Ekonomi Universitas Kadiri JCES (Journal of Character Education Society) Conference on Innovation and Application of Science and Technology (CIASTECH) JSHP (Jurnal Sosial Humaniora dan Pendidikan) Akuntabilitas: Jurnal Ilmiah Ilmu-Ilmu Ekonomi JIMEK : Jurnal Ilmiah Mahasiswa Ekonomi MANAJEMEN DEWANTARA Jurnal Ilmiah Akuntansi dan Bisnis BISEI: Jurnal Bisnis dan Ekonomi Islam Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Benchmark Jurnal Ekonomi JURNAL ILMIAH GLOBAL EDUCATION Jurnal Kajian Ilmu Manajamen Madani: Multidisciplinary Scientific Journal APLIKATIF: Journal of Research Trends in Social Sciences and Humanities Majapahit Journal of Islamic Finance dan Management Majapahit Journal of Islamic Finance dan Management Jurnal Karya untuk Masyarakat (JKuM)
Kurniawan, Moh. Zaki
Universitas Trunojoyo Madura
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Physics Public Health Social Sciences Other

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The Effect of Financial Literacy and Financial Technology on the Sustainability of Micro and Small Enterprises in the Madura Region Through Financial Behavior as a Mediating Variable Ariyanti S, Ririn; Kurniawan, Moh. Zaki
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.642

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are a vital component of Indonesia's economic development. MSMEs not only drive economic growth but also absorb a large portion of the workforce. This study aims to examine the influence of Financial Literacy and Financial Technology on the sustainability of enterprises in the Madura region, with Financial Behavior as a mediating variable. MSMEs in Madura face challenges in financial management due to low Financial Literacy and limited access to Financial Technology, making business sustainability highly dependent on the Financial Behavior of entrepreneurs. This research employs a quantitative approach using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS), with data collected through purposive sampling from MSME actors in Madura. The results indicate that Financial Literacy and Financial Technology significantly affect Financial Behavior, which in turn has a positive impact on business sustainability. These findings suggest that improving literacy and utilizing Financial Technology are crucial for enhancing the Financial Behavior of MSME actors to support the sustainability of their businesses.
The Influence of Financial Technology and Financial Literacy on MSME Performance in the Madura Region with Financial Inclusion as a Mediating Variable Hasanah, Hasanah; Kurniawan, Moh. Zaki
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.643

Abstract

This study investigates the influence of Financial Technology (FinTech) and Financial Literacy on Micro and Small Enterprise (MSE) Performance in Sampang Regency, Madura, with Financial Inclusion as a mediating variable. The research was conducted to address the limited understanding of how FinTech adoption and financial literacy interact to enhance MSME competitiveness in developing regions. Using a quantitative approach and survey method, data were collected from 99 respondents selected through purposive sampling among MSEs actively using digital financial services. Data analysis employed path analysis to examine direct and indirect relationships among Financial Technology (X1), Financial Literacy (X2), Financial Inclusion (Z), and MSME Performance (Y). The results revealed that FinTech does not have a significant positive effect on Financial Inclusion, while Financial Literacy significantly improves it. FinTech positively and significantly affects MSME Performance, whereas Financial Literacy does not. Furthermore, Financial Inclusion significantly influences MSME Performance but only mediates the relationship between Financial Literacy and Performance not between FinTech and Performance. These findings underscore the importance of improving financial literacy and optimizing FinTech utilization to strengthen MSME competitiveness and foster inclusive regional economic development.
The Effect of Financial Literacy and Financial Technology on the Sustainability of Micro and Small Enterprises in the Madura Region Through Financial Behavior as a Mediating Variable Ariyanti S, Ririn; Kurniawan, Moh. Zaki
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.642

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are a vital component of Indonesia's economic development. MSMEs not only drive economic growth but also absorb a large portion of the workforce. This study aims to examine the influence of Financial Literacy and Financial Technology on the sustainability of enterprises in the Madura region, with Financial Behavior as a mediating variable. MSMEs in Madura face challenges in financial management due to low Financial Literacy and limited access to Financial Technology, making business sustainability highly dependent on the Financial Behavior of entrepreneurs. This research employs a quantitative approach using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS), with data collected through purposive sampling from MSME actors in Madura. The results indicate that Financial Literacy and Financial Technology significantly affect Financial Behavior, which in turn has a positive impact on business sustainability. These findings suggest that improving literacy and utilizing Financial Technology are crucial for enhancing the Financial Behavior of MSME actors to support the sustainability of their businesses.
The Influence of Financial Technology and Financial Literacy on MSME Performance in the Madura Region with Financial Inclusion as a Mediating Variable Hasanah, Hasanah; Kurniawan, Moh. Zaki
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.643

Abstract

This study investigates the influence of Financial Technology (FinTech) and Financial Literacy on Micro and Small Enterprise (MSE) Performance in Sampang Regency, Madura, with Financial Inclusion as a mediating variable. The research was conducted to address the limited understanding of how FinTech adoption and financial literacy interact to enhance MSME competitiveness in developing regions. Using a quantitative approach and survey method, data were collected from 99 respondents selected through purposive sampling among MSEs actively using digital financial services. Data analysis employed path analysis to examine direct and indirect relationships among Financial Technology (X1), Financial Literacy (X2), Financial Inclusion (Z), and MSME Performance (Y). The results revealed that FinTech does not have a significant positive effect on Financial Inclusion, while Financial Literacy significantly improves it. FinTech positively and significantly affects MSME Performance, whereas Financial Literacy does not. Furthermore, Financial Inclusion significantly influences MSME Performance but only mediates the relationship between Financial Literacy and Performance not between FinTech and Performance. These findings underscore the importance of improving financial literacy and optimizing FinTech utilization to strengthen MSME competitiveness and foster inclusive regional economic development.
Co-Authors Adityani Nur Witasari Alfiana Putri Yuliandini Arie Setyo Dwi Purnomo Arif Arif Wahyudi Ariyanti S, Ririn Audrey Raradwinury Arifni Aziz, Muhammad Ridwanul Bambang Sudarsono Bambang Sudarsono Camelia, Nabila Putri Endah Masrunik Endah Masrunik Fany Dwiyanti Adinda Faradiana, Intan Putri Gitayuda , M. Boy Singgih Hadyarti, Vidi Hasanah Hasanah Hidayatullah, Ahmad Thariq Jamhari Jamhari Khoirianto, Redy M. Boy Singgih Gitayuda Maharani, Nabella Intan Kiki Mawardi, Muhammad Adib Mickhael Christian Simon Nurdini Faradisa Pratama, Abdul Latif Redy Khoirianto Regita Putri Cahyani Rohma, Luthfia Dwi Rozalinda Safrizal, Helmi Buyung Aulia Siti Sundari Tri Wahyu Wijayanti Ula, Muhammad Fathul Wulan Safitri Yuli Dwi Nurmaningtyas Zaki