Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal EKONOMIS : Journal of Economics and Business
Sari Alia Nuragustin
Economics Education, Faculty of Teacher Training and Education, Universitas Sebelas Maret
Economics, Econometrics & Finance

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
The Effect of Digital Financial Literacy on Financial Performance: The Moderating Role of Financial Access among MSMEs in Surakarta Sari Alia Nuragustin; Muhammad Sabandi
Ekonomis: Journal of Economics and Business Vol 10, No 2 (2026): September
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v10i2.2999

Abstract

Digital technology has changed the way Micro, Small, and Medium Enterprises (MSMEs) manage their finances. However, limited digital financial literacy and financial access remain barriers to improved financial performance. This study examines the effects of digital financial literacy and financial access on financial performance, the moderating role of financial access, and differences in the digital financial literacy–performance relationship by participation in financial training. A quantitative survey of 288 MSME owners in Surakarta was analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0. The results show that digital financial literacy (β = 0.535; p < 0.001) and financial access (β = 0.449; p < 0.001) have positive and significant effects on financial performance. Their interaction is also significant (β = 0.132; p = 0.001), indicating that financial access strengthens the effect of digital financial literacy. Multi-Group Analysis shows a stronger effect among trained MSMEs (β = 0.607) than among untrained MSMEs (β = 0.152). The findings suggest that digital financial knowledge, access to financial services, and training function as complementary resources for improving MSME financial performance.
Co-Authors Muhammad Sabandi