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All Journal Journal of Socioeconomics and Development Jo-ELT (Journal of English Language Teaching) Fakultas Pendidikan Bahasa dan Seni Program Studi Pendidikan Bahasa Inggris IKIP Jurnal Abdi Masyarakat (JAM) Jo-ELT (Journal of English Language Teaching) Fakultas Pendidikan Bahasa dan Seni Program Studi Pendidikan Bahasa Inggris IKIP Jurnal Ilmu Manajemen Advantage Empowerment Society BULETIN BISNIS & MANAJEMEN (BBM) Buletin Abdi Masyarakat (BAM) Jurnal HUMANIS Capacitarea : Jurnal Pengabdian Kepada Masyarakat Jurnal Manajemen dan Penelitian Akuntansi (JUMPA) TGO Journal of Community Development
Anom, Latifah
Sekolah Tinggi Ilmu Ekonomi Cendekia Bojonegoro
Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Nursing Public Health Social Sciences Other

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Journal : Journal of Socioeconomics and Development

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Financial technology adoption on MSMEs sustainability: The mediating role of financial literacy and financial inclusion Safii, Abdul Azis; Anom, Latifah; Murtini, Murtini
JOURNAL OF SOCIOECONOMICS AND DEVELOPMENT Vol 7 No 2 (2024): October
Publisher : Publisher of Widyagama University of Malang (UWG Press)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31328/jsed.v7i2.5258

Abstract

This research examines how the adoption of financial technology impacts the sustainability of Micro, Small, and Medium Enterprises (MSMEs), emphasizing the intermediary roles of financial literacy and financial inclusion. A random sample of 288 MSME owners was chosen from the 1,020 members participating in the business legality assistance program by the Bojonegoro Regency Cooperative and MSME Service. Out of these, 247 owners fully completed the survey, providing data for the research. Data analysis utilized Structural Equation Modeling-Partial Least Squares (SEM-PLS). The results indicate that although the adoption of financial technology positively influences MSME sustainability, the impact is relatively modest. However, financial literacy and financial inclusion considerably enhance this relationship, with financial literacy exhibiting a stronger mediating effect. These outcomes highlight the importance of specific financial literacy initiatives and better access to financial services to promote the sustainable growth of MSMEs.JEL Classification  L21; L26; O15
Co-Authors Abdul Azis Safii Alifah, Fatma Nova Dwi Amrina, Hafidza Nash?ul Ari Kuntardina Arlina, Ima Yuni Benny Nur Azis Dewi Rochmayanti Dewi, Vera Sintya Eka Adiputra, Eka Eni Susilowati Hasan Bisri Hasan Bisri Hidayatin, Dina Alafi Kuntardina, Ari Murtini Murtini, Murtini Prasaja, Mukti - Rahayu, Susilowati Ridawati, Yeti Rochmayanti, Dewi Safii, Azis Suberi, Moch. Vita Tri Setyowati