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All Journal Oikonomia Review: Journal of Economics, Management, and Accounting
Nur Aina Hamzah Nur Aina Hamzah
Universiti Malaysia Pahang Al-Sultan Abdullah

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ESG Practices, Access to Finance, and Firm Performance among Malaysian SMEs: A Trust-Based Capability Perspective Nur Aina Hamzah Nur Aina Hamzah; Siti Farhana Ismail Siti Farhana Ismail; Ahmad Faizal Rahim Ahmad Faizal Rahim
Oikonomia Review: A Journal of Applied Management, Accounting, and Business Strategy Vol. 1 Núm. 1 (2025): Oikonomia Review: Journal of Economics, Management, and Accounting
Publisher : Kalam Practica Media

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Abstract

This study examines how ESG practices relate to SME performance in Malaysia, focusing on the enabling role of access to finance and the moderating influence of market turbulence. Drawing on the Resource-Based View and stakeholder-oriented trust mechanisms, we conceptualize ESG as an organizational capability that can strengthen legitimacy and reduce perceived risk, thereby improving financing outcomes and operational performance. Survey data were collected from 402 Malaysian SMEs across manufacturing, services, and agribusiness sectors. Using Partial Least Squares Structural Equation Modeling (PLS-SEM), the analysis indicates that ESG practices are positively associated with firm performance, with access to finance operating as a partial mediator. The relationship strengthens under higher market turbulence, suggesting that ESG operates as a resilience-enhancing capability when external volatility increases. The study contributes to ESG literature by explaining performance pathways in the SME context and offering an ASEAN-relevant perspective on how sustainability-related capabilities translate into tangible outcomes. The findings suggest that policy initiatives supporting ESG adoption—especially those linked to green financing and disclosure assistance—may improve both firm competitiveness and financial inclusion among SMEs.
Digital Financial Literacy, Fraud Awareness, and Safe Mobile Payment Behavior among Filipino Consumers: The Mediating Role of Perceived Control Randy A. Cruz Randy A. Cruz; Maria Lourdes Santos Maria Lourdes Santos; Nur Aina Hamzah Nur Aina Hamzah
Oikonomia Review: A Journal of Applied Management, Accounting, and Business Strategy Vol. 1 Núm. 2 (2025): Oikonomia Review: Journal of Economics, Management, and Accounting
Publisher : Kalam Practica Media

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Abstract

Digital payments have become ubiquitous in Southeast Asia, yet the expansion of cashless ecosystems has been accompanied by rising fraud attempts, phishing, and social engineering schemes that disproportionately affect consumers with limited digital financial competence. This study examines how digital financial literacy influences safe mobile payment behavior among Filipino consumers, focusing on fraud awareness and perceived control as key psychological mechanisms. Drawing on protection motivation theory, self-efficacy perspectives, and perceived risk logic, the model conceptualizes literacy as a capability that improves threat appraisal, strengthens coping appraisal, and increases the likelihood that consumers adopt safe practices such as verification, device hygiene, and transaction monitoring. Survey data were collected from 644 active mobile payment users across Luzon, Visayas, and Mindanao. Partial Least Squares Structural Equation Modeling (PLS-SEM) was applied to test direct effects and serial mediation. Results indicate that literacy strengthens fraud awareness and perceived control; awareness increases perceived control by clarifying threats and actionable responses; perceived control strongly predicts safe payment behavior. The findings suggest that anti-fraud outcomes depend not only on awareness campaigns but also on building consumer confidence to execute protective routines. Policy implications emphasize integrating literacy modules into wallet onboarding and community-based education tailored to local fraud narratives.
Co-Authors Ahmad Faizal Rahim Ahmad Faizal Rahim Maria Lourdes Santos Maria Lourdes Santos Randy A. Cruz Randy A. Cruz Siti Farhana Ismail Siti Farhana Ismail