Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Journal of Management, Economic, and Accounting
Sifliana Fiqih Andini
Universitas Muhammadiyah Jember
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
The Influence of Financial Literacy, Financial Technology, and Financial Inclusion on the Financial Performance of MSMEs in Panji District, Situbondo Sifliana Fiqih Andini; Retno Endah Supeni; Nursaidah Nursaidah
Journal of Management, Economic, and Accounting Vol. 5 No. 4 (2026): Oktober
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v5i4.1775

Abstract

The development of Micro, Small, and Medium Enterprises (MSMEs) plays a strategic role in promoting regional economic growth. However, improving the financial performance of MSMEs remains a significant challenge due to limited financial management capabilities, suboptimal utilization of financial technology, and restricted access to formal financial services. This study aims to analyze the partial and simultaneous effects of Financial Literacy, Financial technology, and Financial Inclusion on the Financial Performance of MSMEs in Panji District, Situbondo Regency. This research employed a quantitative approach using an associative research design. The population consisted of MSME owners in Panji District, with a sample of 373 respondents selected through purposive sampling. Data were collected using a structured questionnaire and analyzed through instrument testing, multiple linear regression analysis, classical assumption tests, t-test, F-test, and coefficient of determination using SPSS version 22. The results indicate that Financial Literacy, Financial technology, and Financial Inclusion have positive and significant effects on the Financial Performance of MSMEs, both partially and simultaneously. Simultaneously, these three variables explain 64.8% of the variation in the financial performance of MSMEs, while the remaining 35.2% is influenced by other factors outside the research model.
Co-Authors Nursaidah, Nursaidah Retno Endah Supeni