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All Journal Moneter : Jurnal Ekonomi dan Keuangan
Diva Nur Azizah
Universitas Buana Perjuangan Karawang
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Pengaruh Inklusi Keuangan, Literasi Keuangan, dan Literasi Digital terhadap Pengelolaan Keuangan pada UMKM di Kecamatan Telukjambe Timur, Kabupaten Karawang Diva Nur Azizah; Fista Apriani Sujaya; Septiana Rahayu
Moneter : Jurnal Ekonomi dan Keuangan Vol. 4 No. 4 (2026): Oktober : Moneter : Jurnal Ekonomi dan Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/moneter.v4i4.2560

Abstract

MSMEs in Telukjambe Timur District have experienced rapid growth but continue to face challenges related to suboptimal financial management practices. This study aims to analyze the influence of financial inclusion, financial literacy, and digital literacy on the financial management of MSMEs in Telukjambe Timur District, Karawang Regency. This research employed a quantitative approach using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method with the assistance of SmartPLS 4.0 software. Primary data were collected through questionnaires distributed to 100 MSME owners selected using simple random sampling. The data were analyzed to examine the relationships between financial inclusion, financial literacy, digital literacy, and MSME financial management. The results indicate that financial inclusion, financial literacy, and digital literacy each have a positive and significant impact on MSME financial management. These findings demonstrate that improved access to financial services, better financial understanding, and enhanced digital capabilities play important roles in strengthening financial management practices among MSMEs. Therefore, increasing financial and digital capacity is essential to support the sustainability and development of MSMEs in Telukjambe Timur District.
Co-Authors Fista Apriani Sujaya Septiana Rahayu