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All Journal JURNAL PENDIDIKAN TAMBUSAI JAST : Jurnal Aplikasi Sains dan Teknologi JOURNAL OF SCIENCE AND SOCIAL RESEARCH Gorontalo Development Review REiLA: Journal of Research and Innovation in Language Jurnal Pengabdian kepada Masyarakat Nusantara Jurnal Ekonomi Efektif GOVERNANCE: Jurnal Ilmiah Kajian Politik Lokal dan Pembangunan MES Management Journal El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies Al-muhajirin : Jurnal Pendidikan Islam Joong-Ki Atestasi : Jurnal Ilmiah Akuntansi
Bayu, Muhammad
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Journal : MES Management Journal

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The Interplay of Financial Literacy, Financial Inclusion, and Risk-Taking on MSME Performance Sulistiono, Agus; Bayu, Muhammad; Munawaroh, Siti; Rudianto, Pandef
MES Management Journal Vol. 4 No. 3 (2025): MES Management Journal 
Publisher : MES Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mesman.v4i3.937

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play an important role in driving national economic growth, making efforts to improve their performance crucial. This study, conducted on MSME actors in Tanjung Redeb District using the Structural Equation Modeling (SEM) approach, shows that financial literacy and financial inclusion are the main factors influencing MSME performance. These two aspects not only encourage business owners to be more willing to take calculated risks but also strengthen their ability to manage capital, plan their businesses, and innovate in the face of business challenges. This finding confirms that increased financial literacy and inclusion have both direct and indirect impacts on optimizing MSME performance through healthier and more strategic risk-taking. Therefore, the results of this research can serve as a reference for MSME actors to continue developing their financial competencies through training and utilizing various sources of information, both from financial institutions, the government, and digital platforms, to strengthen competitiveness and maintain business sustainability amidst increasingly dynamic competition.
Co-Authors Abdul Hakim Abdul Khaliq Almani, Almani Bayu Anggara Bintang, Indra Gunawan Darmono Darmono Djamal, Merlin Fachri, Barany Fathurohman, Jimmy GANIE, DJUPIANSYAH Hasan, Oliver Hasibuan, Azmiani Irawati, Tanti Khaerudin, Dian Noorvy Kushardono, Lucky Linda Prasetyorini Lubis, Yani Mawi, Tiarasari Milarisa , Surti Mursyidin , Mursyidin Muslimin Muslimin Naziha, Khairun Nur Asyiah, Nur Nurnadila, Nida Pandef Rudianto Pasaribu, Sagita Anggraini Pratama, Reza Rahman Priyawan , Sunu Puspitasari, Lisa Rosid, Tamam Sabilah, Nisrina Sal Sappewali, Badriah Siti Munawaroh Sulistiono, Agus Susanti, Neneng Su’un, Muhammad Ujianto Ujianto Umar Abdur Rahim, Umar Abdur Wahju, Vincentia widowati widowati