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All Journal West Science Social and Humanities Studies
Lailatul Inayah
Institut Asyifa Indonesia
Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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The Effect of Cash Flow Management Capability, Digital Payment Adoption, and Financial Resilience on Business Growth among Retail MSMEs in Bandung City Amelia Trisavinaningdiah; Arohman Arohman; Asriani Susiati; Mardiyah Soraya; Lailatul Inayah
West Science Social and Humanities Studies Vol. 4 No. 08 (2026): West Science Social and Humanities Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsshs.v4i08.3083

Abstract

Micro, small, and medium enterprises (MSMEs) in the retail sector face increasing challenges in achieving sustainable growth due to financial management limitations, rapid digital transformation, and market uncertainty. This study aims to examine the effect of cash flow management capability, digital payment adoption, and financial resilience on business growth among retail MSMEs in Bandung City. A quantitative research approach was employed using a survey method involving 125 retail MSME owners and managers. Data were collected through a structured questionnaire measured using a five-point Likert scale and analyzed using Statistical Package for the Social Sciences (SPSS) version 25. The data analysis involved validity testing, reliability testing, classical assumption testing, multiple linear regression analysis, t-test, F-test, and coefficient of determination analysis. The results indicate that cash flow management capability, digital payment adoption, and financial resilience have positive and significant effects on business growth. Among these factors, financial resilience demonstrates the strongest contribution, indicating that the ability of MSMEs to adapt and maintain financial stability plays an important role in supporting business development. The findings highlight that strengthening internal financial capabilities and accelerating digital payment adoption are essential strategies for improving MSME competitiveness and sustainability. This study contributes to the MSME management literature by providing empirical evidence regarding the importance of integrated financial capability, digital transformation, and resilience in promoting business growth within urban retail MSMEs.
The Effect of Cash Flow Management Capability, Digital Payment Adoption, and Financial Resilience on Business Growth among Retail MSMEs in Bandung City Amelia Trisavinaningdiah; Arohman Arohman; Asriani Susiati; Mardiyah Soraya; Lailatul Inayah
West Science Social and Humanities Studies Vol. 4 No. 09 (2026): West Science Social and Humanities Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsshs.v4i09.3133

Abstract

This study examines the effects of cash flow management capability, digital payment adoption, and financial resilience on the business growth of retail micro, small, and medium enterprises (MSMEs) in Bandung. A quantitative explanatory research design was employed using primary data collected from 155 retail MSME owners and managers selected through purposive sampling. Data were collected using a structured questionnaire measured on a five-point Likert scale and analyzed using IBM SPSS Statistics version 25. The analytical procedures included validity and reliability tests, classical assumption tests, multiple linear regression, partial t-tests, simultaneous F-tests, and coefficient of determination analysis. The results indicate that cash flow management capability has a positive and significant effect on business growth. Digital payment adoption also positively and significantly affects business growth, while financial resilience demonstrates the strongest positive effect. Simultaneously, the three variables significantly influence business growth (F = 81.113; p < 0.001) and explain 61.7% of its variation (R² = 0.617). These findings indicate that sustainable retail MSME growth requires not only technological adoption but also effective cash flow management and strong financial resilience. Strengthening these capabilities can improve MSMEs' ability to maintain liquidity, facilitate transactions, adapt to financial uncertainty, and support sustainable business expansion.
Co-Authors Amelia Trisavinaningdiah Arohman Arohman Arohman Arohman Asriani Susiati Mardiyah Soraya Mardiyah Soraya