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All Journal Journal of Economics, Business, & Accountancy Ventura Jurnal El-Riyasah : Jurnal Kepemimpinan dan Administrasi Competence : Journal of Management Studies (Kompetensi : Jurnal Studi Manajemen) JPBM (Jurnal Pendidikan Bisnis dan Manajemen) Briliant: Jurnal Riset dan Konseptual Jurnal SOLMA SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan SENTRALISASI Bisma: Jurnal Bisnis dan Manajemen Jurnal Bisnis Terapan DIKEMAS (Jurnal Pengabdian Kepada Masyarakat) Vocatech : Vocational Education and Technology Journal Revitalisasi : Jurnal Ilmu Manajemen Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Ilmiah Ar-Risalah: Media Ke-Islaman, Pendidikan, dan Hukum Islam JAMI: Jurnal Ahli Muda Indonesia Buletin Poltanesa International Journal on Social Science, Economics and Art International Journal of Applied Finance and Business Studies Journal of Academia Perspectives The International Journal of Politics and Sociology Research Journal of Artificial Intelligence and Digital Business Apollo: Journal of Tourism and Business Innovative: Journal Of Social Science Research Economics, Business, Accounting & Society Review MULTIPLE: Journal of Global and Multidisciplinary Science Contribution to Society Journal Jurnal Pengabdian Kepada Masyarakat Asian Journal of Management, Entrepreneurship and Social Science Journal of Community Research & Engagement (JCRE) Outline Journal of Community Development Jurnal Ilmiah Ar-Risalah: Media Ke-Islaman, Pendidikan dan Hukum Islam Jurnal Pemberdayaan Kepada Masyarakat
Latifah, Nunuk
Prodi Operasionalisasi Perkantoran Digital, Akademi Komunitas Negeri Putra Sang Fajar Blitar, Blitar, Indonesia
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Journal : SENTRALISASI

 1 
Digital Financial Literacy As an Antecedent to Financial Inclusion and MSME Performance Normawati, Rani Arifah; Santoso, Eko Esti; Latifah , Nunuk
SENTRALISASI Vol. 14 No. 1 (2025): January
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v14i1.3761

Abstract

MSMEs experience various vulnerabilities that emphasize the importance of government digital onboarding programs as part of financial inclusion. To address these challenges, it is crucial to understand the role of digital financial literacy in enhancing access to financial services and improving business performance. This study investigates the influence of digital financial literacy on financial inclusion and MSME performance, with a focus on digital finance adoption and access as key of financial inclusion. Employing a quantitative research approach, the study surveyed 400 MSMEs in East Java, Indonesia, using a structured questionnaire and purposive sampling technique. Descriptive statistical analysis was conducted to outline the characteristics of the data. To explore the relationships among the variables, Partial Least Squares Structural Equation Modeling (PLS-SEM) was utilized with WarpPLS software. The analysis reveals that digital financial literacy significantly impacts digital finance adoption, which, in turn, enhances MSME performance. However, access to digital finance, while positively associated with digital finance adoption, does not show a significant direct impact on MSME performance. The results highlight the need for targeted educational programs to boost digital financial literacy among MSMEs, ensuring that digital financial tools are effectively utilized to foster business growth and financial inclusion.
Co-Authors Abu Muna Almaududi Ausat Achmad, Fidan Adiguna S. W. Utama Adiguna Sasama Wahyu Utama Almaududi Ausat, Abu Muna Anna Widayani Anna Widayani Anna Zahrotul Wahidah Arman, Ferdy Choirul Masna Affandi Eka Kusumawati Eka Suprajang, Sandi Eko Esti Santoso Enola Helmania Normansyah Estu Murdinar , Hardining Fahmi, Nazzu Febillyan Adinda Trisnawati Hindra Kurniawan Ika Rachmawati Ika Rachmawati Ika Rachmawati Ika Rachmawati Ika Rahmawati Ike Wardani, Shanti Ismanto Kartika, Neaza Fitri Kevin Nova Ariyanto Kurniawan , Hindra Kusmayati, Nindya Kartika M. Nur Fu'ad M. Nur Fuad mardiana, Nur Mohamad Ardiansyah Murdinar, Hardining Estu Murni Sari, Retno Ni'ma Kholila Ninetha, Vira Nanda Ningrum, Tinezia Angelina Puspa Normawati, Rani Normawati, Rani Arifah Rachmawati, Ika Rani A. Normawati Rani A. Normawati Sandi Eka Suprajang Santoso, Eko Esti Setyianingsih, Puji Shanti Shanti Ike Wardani Shanti Ike Wardani Shanti Ike Wardani Shanti Ike Wardani Suherlan Suherlan, Suherlan Sulistya Dewi Wahyuningsih Sulistya Dewi Wahyuningsih Susanto, Ratno Utama, Adiguna Utama, Adiguna S. W. Wardani, Shanti Ike Widayani, Anna