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p-Index From 2021 - 2026
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All Journal International Journal of Management and Business
Hermi Sularsih
Accounting, Faculty of Economics, University of Tribhuwana Tunggadewi, Malang, Indonesia
Economics, Econometrics & Finance

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The Effect of Financial Literacy, Financial Inclusion, and QRIS-Based Digital Payments on the Performance of Small and Medium Enterprises (SMEs) in Lowokwaru District Stepanie Margareta; Hermi Sularsih; Poppy Indrihastuti
International Journal of Management and Business Vol. 3 No. 3 (2026): July
Publisher : International Research & Development for Human Beings (IRDH)

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Abstract

This study aims to analyze the effect of financial literacy, financial inclusion, and digital payment (QRIS) on the performance of Small and Medium Enterprises (SMEs) in Lowokwaru District, Malang City. This study employs a quantitative approach with an explanatory research design and multiple linear regression analysis. The population consisted of 3,424 food and beverage SMEs, with a sample of 97 respondents determined using the Slovin formula and purposive sampling technique. Data were collected through a 1-5 Likert scale questionnaire and analyzed using SPSS 25. The results show that financial literacy has a positive and significant effect on SME performance (Sig. 0.007), financial inclusion has a positive and significant effect and is the most dominant variable (Sig. 0.000), and QRIS digital payment has a positive and significant effect on SME performance (Sig. 0.000). The coefficient of determination (R²) of 0.347 indicates that the three independent variables explain 34.7% of the variation in SME performance, while the remaining 65.3% is influenced by other factors outside the model. This study recommends improving financial literacy, expanding access to formal financial services, and optimizing the use of QRIS to support the growth and sustainability of SMEs.
The Effect of Regulatory Environment, Collateral Availability, and High Interest Rates on SMEs’ Access to Financial Services in Batu City Gerviana Gonsaga; As'adi As'adi; Hermi Sularsih
International Journal of Management and Business Vol. 3 No. 4 (2026): October
Publisher : International Research & Development for Human Beings (IRDH)

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Abstract

This study investigates the determinants of Small and Medium Enterprises (SMEs) growth in Batu City, East Java, focusing on the regulatory environment, collateral availability, and high interest rates. Using a quantitative approach, data were collected from a sample of 3,944 SMEs operating in the Batu City Department of Industry and Trade. The findings indicate a significant positive relationship between the regulatory environment and collateral availability and access to financial services. High interest rates also have a negative and significant effect on SMEs' access to financial services. However, this study did not find a significant direct effect of external financing on SME growth. The results of this study underscore the importance of fostering strong business networks and creating a supportive regulatory framework to encourage SME development in the region. This study contributes to the existing literature by providing empirical evidence on the drivers of collateral availability in SMEs in West Java and offers insights for policymakers, financial institutions, and SME stakeholders seeking to support access to financial services.  
Co-Authors As'adi As'adi Gerviana Gonsaga Poppy Indrihastuti Stepanie Margareta