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All Journal Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen
Puspa Melati
Universitas Muhammadiyah Sukabumi
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Pengaruh Digitalisasi dan Literasi Keuangan terhadap Kinerja UMKM Dikota Sukabumi: Studi Kasus pada UMKM Kopkusi Kota Sukabumi Puspa Melati; Irfan Sophan Himawan; Tina Kartini
Inisiatif: Jurnal Ekonomi, Akuntansi dan Manajemen Vol. 5 No. 4 (2026): (Oktober) Inisiatif: Jurnal Ekonomi, Akuntansi dan Manajemen
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/inisiatif.v5i4.8078

Abstract

This study aims to examine the effects of digitalization and financial literacy on the performance of Micro, Small, and Medium Enterprises (MSMEs) at KOPKUSI in Sukabumi City. This research employed a quantitative approach with a saturated sampling technique involving 50 respondents. Data were collected through questionnaires and analyzed using multiple linear regression to determine the influence of digitalization and financial literacy on MSME performance. The results indicate that digitalization has a positive and significant effect on MSME performance, demonstrating that the effective adoption of digital technology can support business activities and improve operational outcomes. Financial literacy also has a positive and significant effect, indicating that better financial knowledge and management skills contribute to improved business performance. Furthermore, digitalization and financial literacy simultaneously have a positive and significant effect on MSME performance. These findings highlight the importance of strengthening digital technology adoption and financial management capabilities among MSME owners. Improving both aspects can help MSMEs manage business operations more effectively, make better financial decisions, and enhance overall performance. The study provides practical insights for MSMEs in developing capabilities that support sustainable business growth.
Co-Authors Irfan Sophan Himawan Tina Kartini