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All Journal JBMP (Jurnal Bisnis, Manajemen dan Perbankan)
Niken Ayunda Fauziah
Universitas Muhammadiyah Sorong
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Integrating Financial Literacy, Financial Bootstrapping, and Entrepreneurial Competence to Optimize Online MSME Performance: Mengintegrasikan Literasi Keuangan, Mandiri Finansial, dan Kompetensi Kewirausahaan untuk Mengoptimalkan Kinerja UMKM Online Muhammad Amin; Kristol Dafrino Soumokil; Nurul Hidayah; Febry Jein Andjar; Niken Ayunda Fauziah
JBMP (Jurnal Bisnis, Manajemen dan Perbankan) Vol. 12 No. 2 (2026): September
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/jbmp.v12i2.2363

Abstract

This study aims to evaluate the impact of financial bootstrapping and entrepreneurial competence on the performance of online Micro, Small, and Medium Enterprises (MSMEs), while examining financial literacy as a moderating variable. Using a quantitative explanatory approach, data were gathered from online MSMEs in Sorong City and analyzed via Structural Equation Modeling-Partial Least Squares (SEM-PLS). The results reveal that entrepreneurial competence significantly and positively enhances MSME performance, whereas the effect of financial bootstrapping is positive but statistically insignificant. Additionally, financial literacy was found not to moderate the relationship between either financial bootstrapping or entrepreneurial competence and overall business performance. Practically, these findings imply that to sustain long-term growth and success, online MSME owners should prioritize developing strong core entrepreneurial skills alongside foundational financial knowledge, rather than expecting financial literacy to act as a catalyst for informal funding strategies.
Co-Authors Andjar, Febry Jein Kristol Dafrino Soumokil Muhammad Amin Nurul Hidayah