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All Journal Journal of Economic Education and Entrepreneurship Studies
Kania Alma Tiara
Bina Nusantara University, Indonesia
Economics, Econometrics & Finance Other

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Bridging Innovation and Digitalization: The Critical Role of Digital and Financial Literacy in Indonesian SME’s Ignatius Edward Riantono; Kania Alma Tiara; Renta Lestari Hutabarat
Journal of Economic Education and Entrepreneurship Studies Vol. 7 No. 5 (2026)
Publisher : Department of Economics Education, Faculty of Economics, Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62794/je3s.v7i5.416

Abstract

This study examines how digital and financial literacy support the digital transformation of Indonesian SMEs. It explores the roles of owners’ attitudes toward digital innovation, business complexity, growth orientation, government intervention, and business networking in influencing SMEs’ digital intensity, with digital and financial literacy serving as mediating factors. Using a quantitative approach and Structural Equation Modeling (SEM), data were collected from SMEs across Indonesia. The findings show that owners’ attitudes toward digital innovation, growth orientation, and business networking significantly enhance SMEs’ digital intensity through digital literacy, while business complexity and government intervention do not. Through financial literacy, growth orientation, government intervention, and business networking also have significant positive effects on digital intensity, whereas business complexity remains insignificant. Overall, the results highlight the crucial role of digital and financial literacy in accelerating the digital transformation and competitiveness of Indonesian SMEs.
Co-Authors Ignatius Edward Riantono Renta Lestari Hutabarat