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All Journal Jurnal Komunikasi BAKI (Berkala Akuntansi dan Keuangan Indonesia) NUSANTARA : Jurnal Ilmu Pengetahuan Sosial Jurnal Abdi Insani International Journal of Business, Humanities, Education and Social Sciences (IJBHES) Jurnal Ilmiah Ilmu Komunikasi Communique Jurnal Penelitian Inovatif Al-Mu'awanah Penamas: Journal of Community Service Rahmatan Lil’alamin Journal of Community Services (RLA) HIKMAH: Jurnal Ilmu Dakwah dan Komunikasi Islam Jurnal Ilmu Komunikasi UHO : Jurnal Penelitian Kajian Ilmu Komunikasi dan Informasi Jurnal Indonesia : Manajemen Informatika dan Komunikasi Jurnal Abdi Rakyat
Andiyansari, Popi
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DO FINANCIAL AND DIGITAL LITERACY MATTER? EVIDENCE FROM SMES OWNED BY PERSONS WITH DISABILITIES IN CENTRAL JAVA AND EAST JAVA Indriyani, Umiko Bunga; Komariyah, Erna Fitri; Andiyansari, Popi; Rofiqoh, Ifah
Berkala Akuntansi dan Keuangan Indonesia Vol. 11 No. 1 (2026): Berkala Akuntansi dan Keuangan Indonesia
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/baki.v11i1.87239

Abstract

Disability-owned SMEs play an essential role in promoting inclusive economic growth; however, their business performance remains relatively low compared to conventional SMEs. This condition is frequently linked to limited financial and digital literacy, both of which are crucial in an increasingly digital business landscape. The purpose of this research is to investigate whether financial and digital literacy notably impact the performance of SMEs owned by individuals with disabilities. Employing a quantitative methodology, data were gathered through a structured survey of disability-owned SMEs and analyzed using partial least squares structural equation modeling (PLS-SEM). Findings reveal that both financial and digital literacy positively and significantly influence SME performance. Financial literacy enhances business performance by improving financial management and decision-making. In contrast, digital literacy strengthens performance by enhancing the use of digital tools, expanding market access, and improving operational efficiency. The findings confirm that literacy-based human capital is a critical determinant of business performance within the context of inclusive entrepreneurship. This study concludes that strengthening financial and digital literacy is essential to improving the sustainability and competitiveness of disability-owned SMEs. The results offer practical implications for policymakers and development agencies in designing targeted, inclusive capacity-building programs to support entrepreneurs with disabilities.
Co-Authors Ahmad, Syukron Aisyah Nur Amini, Kofifa Aprilian, Siva Aran, Yanuar Pratama Lango Asmoro, Hapsari Puspa Asrima, Nuri Pari Julia Ataraxia Dika, Mujahidin Azahra, Lintang Ayu Cahya, M. Alfian Dwi Dalili, Dalili Damastuti, Riski Desiree Sahabuddin Entus Nuryana Ahmad Erna Fitri Komariyah Fahrizal, Ari Febrianto, Faisal Fi Sabil Nur Fikri, Rizkhy Fitriyani, Ainar Halisa, Salsabila Nur Hananya Shinta, Yulia Hermang Mintana, Hans Hibatullah, Afif Ifah Rofiqoh Indri Novyana Indriyani, Umiko Bunga Irene Janeth, Gabriella Juwono, Andri Prasetyo Karim, Al Musa Karindra, Evrilya Deby Kharisma, Rizqi Sukma Listiyani, Arfina Ma'rifah, Amrina Amar Maparoja, Wildansyah Marthania, Putri Isnu Masruroh, ⁠Nining muharom, fajar azhar Muthahari, Za’im Nabila, Silvi Nasywa Rizkia, Annisa Nawati, Nabila Putri Nazwa Kayla Arthalevia Nur Afisyah, Ariqoh Nurhaliza, Dina Nusantara, Diajeng Putri Oktaviani, Lessika Dita Pamungkas, ⁠Aji Bagus Pradana, Adhyaksa Surya Pradana, Vemas Nurreza Putra, Anjessa Putri, Nabila Silviana Rafi Mahardika Rafsanjani, Muhammad Isnaini Daffa Rahmadani, M. Nur Maulana Rismawati Safitri, Anjani Diah Ayu Saputra, M. Fadhil Saputri, Yuliami Anggi Saraswati, Viska Mahima Putri Sari, Fenti Novita Sheviola, Noven Shevila Sulistiyawati, Moni Sutatama Ginong Pratidina, Bernardus Syarif, Moh Nufal Vivi Novita Sari Wahyu Hidayat, Listya Wardhana, Raditya Widjaya, Stefven Chandra Wulan, Nawang Yancandra, Yogi Efani Yasmin, Chyntia Isni Safira Yudaninggar, Kartika Sari Yulaeha, Siti