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All Journal Fokus Bisnis Riset Akuntansi dan Keuangan Indonesia Jurnal RESTI (Rekayasa Sistem dan Teknologi Informasi) JTAM (Jurnal Teori dan Aplikasi Matematika) J-Dinamika: Jurnal Pengabdian Kepada Masyarakat Jurnal Ilmiah Akuntansi dan Keuangan Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah Jurnal Ilmiah Mahasiswa Manajemen, Bisnis dan Akuntansi Studi Akuntansi, Keuangan, dan Manajemen Journal of International Conference Proceedings Indo-Fintech Intellectuals: Journal of Economics and Business Jurnal Inovasi Bisnis Manajemen dan Akuntansi Riset Akuntansi dan Keuangan Indonesia JCSE: Journal of Community Service and Empowerment Indonesian Journal of Accounting and Governance BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Zakiyah, Tuti
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Entrepreneurial Financing for Women-Owned MSMEs: The Role of Financial Literacy, Inclusion, and Performance Zakiyah, Tuti; Windasari, Wahyuni
Studi Akuntansi, Keuangan, dan Manajemen Vol 5 No 4 (2026): April
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/sakman.v5i4.6328

Abstract

Purpose: This study aims to analyze how financial literacy and financial inclusion influence financing decisions among women-owned MSMEs in Indonesia, with financial and nonfinancial performance acting as moderating variables. Methodology/approach: A quantitative explanatory approach was employed using survey data from 345 female entrepreneurs operating MSMEs on Java Island. Data were collected through structured questionnaires with validated measurement scales and analyzed using Structural Equation Modeling with Partial Least Squares. Results: Financial literacy and financial inclusion significantly enhance financing decision-making among women entrepreneurs. Financial performance strengthens the relationship between financial capability, access, and funding choices, indicating that better financial conditions improve the effectiveness of financing strategies. Non-financial performance directly influences financing decisions and partially moderates the effect of financial literacy, suggesting that managerial capability and organizational readiness play important roles in funding behavior of investors. Conclusions: Financing decisions among female-entrepreneur-owned MSMEs are shaped by the interaction between financial knowledge, institutional access, and organizational performance. Limitations: This study focuses on women-owned MSMEs on Java Island and relies on self-reported survey data. Contributions: This study extends the contingency-based financial behavior perspective and offers practical insights for developing inclusive financing programs for women entrepreneurs.
Co-Authors Aryati, Devi Harini Abrilia Setyawati Hartati, Yuli Rien Kabul Trifiyanto Mahardhika, Arya Samudra Rini, Keny Prasetyo Sri Anita Susanti, Riski Susridar Trifiyanto, Kabul Wahyuni Windasari Windasari, Wahyuni