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All Journal IJEBD (International Journal Of Entrepreneurship And Business Development) JIKA: Jurnal Ilmu Keuangan dan Perbankan Jurnal Mantik JBMR: Journal of Business and Management Review Journal of Management - Small and Medium Enterprises (SME's) International Journal of Business, Economics, and Social Development IIJSE Jurnal Pintar Pengabdian dan Pemberdayaan Masyarakat
Maiyaliza, Maiyaliza
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Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Journal : Jurnal Mantik

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Financial literacy and economic uncertainty: impact on sme financial performance in cirebon regency Maulana, Hilman; Yuniarto, Rival Fahara; Maiyaliza, Maiyaliza
Jurnal Mantik Vol. 9 No. 2 (2025): August: Manajemen, Teknologi Informatika dan Komunikasi (Mantik)
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/mantik.v8i6.6468

Abstract

Economic uncertainty is a major challenge for Small and Medium Enterprises (SMEs) in maintaining financial stability and business sustainability. This study aims to analyze the impact of economic uncertainty on the financial performance of SMEs in Cirebon Regency and assess the role of financial literacy in moderating the relationship. A quantitative method was used in this study with a data collection technique through a questionnaire distributed to 100 SME owners. Data analysis was carried out using descriptive statistics and multiple linear regression with the help of SPSS software. The results show that economic uncertainty has a negative and significant effect on the financial performance of SMEs, with a regression coefficient value of -0.376 (p = 0.000). Meanwhile, financial literacy has a positive influence on the financial performance of SMEs, with a regression coefficient of 0.482 (p = 0.000). The regression model used explains  the 37.5% variation in SME financial performance, which shows that other factors also contribute to SME financial performance. Thus, this study confirms that increasing financial literacy can be an effective mitigation strategy for SMEs in the face of economic uncertainty. The implications of this study lead to the importance of financial education for SME owners to improve their ability to manage their finances and anticipate unexpected economic changes. In addition, this study also provides recommendations for the government and financial institutions to develop training programs and access to more flexible financing for SMEs so that they are more resilient in facing economic challenges.
Co-Authors Anisah, Dede Ayu Apriyanti Apriyanti Azhar, Meilisa Mulyawati Budianto, Erwin Delilah, Laura Natasha Dwi Perkasa, Agustyan Fauziah, Nadia Hilman Maulana Huffazd, Ahmad Faishal Linda Linda Mardiyani Mardiyani Nurhana Dhea Parlina Parlina*, Nurhana Dhea Pramudya, Muhammad Dwika Prastian, Hafiz Dwi RR. Ella Evrita Hestiandari Saputra, Andrian Rizki Sari, Ii Ratna Syifa, Hanindhita Nurfhia Wahyuni, Santi Nur Yuniarto, Rival Fahara Zulkarnaen, Muhamad