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All Journal JURNAL MANAJEMEN MOTIVASI
Shusanti
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Peran Literasi Keuangan sebagai Variabel Moderasi dalam Pengaruh Teknologi Finansial dan Inklusi Keuangan terhadap Kinerja Keuangan UMKM (Studi pada UMKM Binaan Perum Jasa Tirta II) Shusanti; Susanti, Neneng
JURNAL MANAJEMEN MOTIVASI Vol 22 No 2 (2026): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v22i2.9514

Abstract

This study examines financial literacy as a moderator of financial technology and inclusion relationships with MSME financial performance. A purposive survey of 52 fintech-experienced Perum Jasa Tirta II partners was analysed using SmartPLS. Technology, inclusion, and literacy had positive conditional main associations with operator-reported performance. The technology interaction was positive (β = 0.315, p = 0.003); the inclusion interaction was not significant (β = −0.187, p = 0.098). The observational design and incomplete measurement reporting limit interpretation. Findings motivate evaluating financial education alongside services without establishing intervention effects.
Co-Authors Susanti, Neneng