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Firdan Firdan
Universitas Islam Negeri Sumatera Utara, Indonesia
Economics, Econometrics & Finance

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The Effect of E-Commerce, Digital Payments, and Islamic Financial Literacy on MSME Performance in Medan Tembung Firdan Firdan; Tuti Anggraini; Atika Atika
JURNAL ECONOMINA Vol. 5 No. 9 (2026): JURNAL ECONOMINA, September 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i9.4194

Abstract

This study aims to analyze the effect of E-Commerce, Digital Payments, and Financial Literacy on the performance of Micro, Small, and Medium Enterprises (MSMEs) in Medan Tembung. This study employed a quantitative approach using a survey method through questionnaires distributed to 30 MSME respondents selected using purposive sampling. The data were analyzed using validity tests, reliability tests, classical assumption tests, multiple linear regression analysis, t-test, F-test, and the coefficient of determination. The results show that, partially, E-Commerce, Digital Payments, and Financial Literacy have a positive and significant effect on MSME performance. Simultaneously, the three independent variables also have a significant effect on MSME performance. Among the three independent variables, Financial Literacy has the most dominant influence. The coefficient of determination of 0.700 indicates that 70% of the variation in MSME performance can be explained by E-Commerce, Digital Payments, and Financial Literacy, while the remaining 30% is influenced by other factors outside the research model. These findings emphasize the importance of digital technology utilization and improving financial literacy in enhancing MSME performance in the digital era.
Co-Authors Atika Tuti Anggraini