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All Journal Dinamis : Journal of Islamic Management and Bussiness
Dini Nurpratiwi
Universitas Islam Negeri Palopo
Economics, Econometrics & Finance

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Digital Technology Adoption and Financial Literacy: The Moderating Role of Entrepreneurial Proactivity in MSME Performance Arzal Syah; Zainuddin; Muhammad Ikram S.; Andi Nurrahma Gaffar; Dini Nurpratiwi
Dinamis : Journal of Islamic Management and Bussiness Vol. 9 No. 2 (2026): Oktober : Journal of Islamic Management and Business
Publisher : Institut Agama Islam Negeri Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/dinamis.v9i2.12682

Abstract

This study examines the effects of digital technology adoption and financial literacy on MSME performance, with Proactive Entrepreneurial Behavior (PEB) as a moderating variable. Using a quantitative approach, data were collected from 98 MSME respondents and analyzed using PLS-SEM with SmartPLS 4.0. The results show that digital technology adoption does not significantly affect MSME performance (β = 0.110, p = 0.444), while PEB (β = 0.156, p = 0.048) and financial literacy (β = 0.147, p < 0.001) have significant positive effects. PEB does not significantly moderate the relationship between digital technology adoption and MSME performance (β = 0.097, p = 0.058), but significantly moderates the relationship between financial literacy and MSME performance (β = 0.098, p = 0.005). These findings highlight the importance of financial literacy and proactive entrepreneurial behavior in improving MSME performance.
Co-Authors Andi Nurrahma Gaffar Arzal Syah Muhammad Ikram S. Zainuddin