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All Journal Formosa Journal of Science and Technology (FJST)
Ahmad Syamil
BINUS Business School
Humanities Computer Science & IT Education Industrial & Manufacturing Engineering Social Sciences

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The Role of Financial Literacy, Management Skills, and Digital Capital Access in Enhancing Business Sustainability in the Digital Economy Ahmad Syamil; Ericha Lisa Wibowo; Wijil Nugroho
Formosa Journal of Science and Technology Vol. 5 No. 8 (2026): August 2026
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjst.v5i8.130

Abstract

The development of the digital economy encourages business actors to strengthen financial capacity, managerial competence, and access to digital financing to maintain business sustainability. This study aims to analyze the influence of financial literacy, management skills, and access to digital capital on business sustainability. The study uses a quantitative approach with a survey design of 150 MSME actors selected through purposive sampling. Data were collected using a structured questionnaire and analyzed by multiple linear regression. The results of the study show that the three variables have a positive and significant effect on business sustainability, with management skills as the dominant factor. These findings affirm the importance of integrating financial literacy, managerial capabilities, and digital financing inclusion in strengthening the resilience and sustainable growth of MSMEs
Co-Authors Ericha Lisa Wibowo Wijil Nugroho