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All Journal IAES International Journal of Artificial Intelligence (IJ-AI)
Yudi Nur Supridi
Universitas Pembangunan Nasional “Veteran” Jakarta
Computer Science & IT Engineering

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Impact of self-efficacy, digital and financial literacy, and family support on Indonesian entrepreneurs’ performance Md. Nahidul Islam; Maheran Zakaria; Wan Noraswaniaty Wan Ahmad; Erna Hernawati; Yudi Nur Supridi; Afif Deni Irawan
IAES International Journal of Artificial Intelligence (IJ-AI) Vol 15, No 5: October 2026
Publisher : Institute of Advanced Engineering and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11591/ijai.v15.i5.pp4961-4968

Abstract

Although micro, small, and medium enterprises (MSMEs) are easy to establish, many fail due to a lack of capabilities and an inability to keep pace with recent digital and financial developments. Even worse, some lack support from family members. As a result, they struggle to compete with larger institutions for sustainability. Despite these challenges, a notable subset succeeds, prompting researchers to investigate the factors contributing to their performance. Grounded in self-efficacy theory and existing literature, this study examines the impact of self-efficacy, digital and financial literacy, and family support on entrepreneurial performance. The researchers collected data from 237 entrepreneurs in West Java, Indonesia, and analyzed it using structural equation modeling–partial least squares (SEM-PLS). The findings indicate that all predicted factors, self-efficacy, digital literacy, financial literacy, and family support, positively influence entrepreneurial performance. These insights are valuable for policymakers, entrepreneurship agencies, and academics in formulating policies and training programmers that emphasize self-efficacy, digital and financial literacy, and family support. Strengthening these aspects will help entrepreneurs succeed, ultimately driving inclusive and sustainable economic growth.
Co-Authors Afif Deni Irawan Erna Hernawati Maheran Zakaria Md. Nahidul Islam Wan Noraswaniaty Wan Ahmad