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All Journal Maksimum : Media Akuntansi Universitas Muhammadiyah Semarang Journal of Economic, Bussines and Accounting (COSTING) EBSJ J-MAS (Jurnal Manajemen dan Sains) International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Ekonomi Manajemen Sistem Informasi Budimas : Jurnal Pengabdian Masyarakat Airlangga Journal of Innovation Management Wiga : Jurnal Penelitian Ilmu Ekonomi Jurnal Ekonomi dan Bisnis Digital (MINISTAL) East Asian Journal of Multidisciplinary Research (EAJMR) Formosa Journal of Multidisciplinary Research (FJMR) Journal of Finance and Business Digital (JFBD) Asian Journal of Management Analytics Prosiding University Research Colloquium Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) International Journal of Business and Applied Economics (IJBAE) Jurnal Manajemen Bisnis, Akuntansi dan Keuangan Capacitarea : Jurnal Pengabdian Kepada Masyarakat Paradoks : Jurnal Ilmu Ekonomi Fokus Bisnis: Media Pengkajian Manajemen dan Akuntansi Ektasi : Jurnal Ekonomi, Akutansi dan Organisasi JURNAL MANAJEMEN DAN BISNIS INDONESIA Jurnal Analisis Bisnis Ekonomi
Rahmawati, Ika Yustina
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Religion Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Social Sciences Other

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Financial Inclusion as a Mediator of Financial Literacy, Technology Adoption, and Government Policy on MSME Performance Hamam, Zaki Nur; Purwidianti, Wida; Tubastuvi, Naelati; Rahmawati, Ika Yustina
Airlangga Journal of Innovation Management Vol. 7 No. 1 (2026): Airlangga Journal of Innovation Management
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ajim.v7i1.82959

Abstract

This study focuses on analyzing the effects of financial literacy, technology adoption, and government policies in influencing Micro, Small, and Medium Enterprises (MSMEs) in Banyumas, with financial inclusion acting as a mediator. This study utilizes a quantitative method through a convenience sampling approach, gathering data from a sample of 200 MSME stakeholders. Data has been processed using Structural Equation Modelling-Pooled Least Squares (SEM-PLS) via SmartPLS Software Version 3.0. The results show a significant positive effect of financial literacy, technology adoption, and government policies on financial inclusion. Financial literacy and technology adoption have a direct positive effect; in contrast, government policies have an insignificant direct effect, although a positive influence, on MSME performance. Financial inclusion has a surprisingly negative effect on MSME performance. However, financial inclusion still has a role as a mediator in MSMEs relating to performance among all financial literacy, technology adoption, and government policies. The observations from this paper provide an implication that financial inclusion plays a crucial role in determining business performance results. In practice, this paper supports promoting adaptive financial literacy, growth in technology adoption in financial services, and the development of policies tailored in accordance with local MSMEs. This study also enriches the literature by confirming the variation in the direction and strength of the relationship between variables in the context of developing countries, especially in non-metropolitan areas.
Co-Authors Afiani, Mirza Zulmi Afriandika, Ivan Riski Akhmad Darmawan Alfalisyado Alfalisyado, Alfalisyado Amelika, Aprilita Tri Arini Hidayah, Arini Arman, Faris Meirizki Asih, Faisyah Yuli Azafii, Azka Saputra Bagis, Fatmah Dwi Yunita, Dwi Ernawati, Yuniar Erny Rachmawati Fauzah, Risma Firliyani, Indah Fitriati, Azmi Gemasari, Agustin Putriyana Haliza, Vivi Dwi Hamam, Zaki Nur Hapsari, Ira Hartikasari, Annisa Ilma Haryanto, Totok Hengky Widhiandono, M.Si. S.E. Hermin Endratno Inayati, Nur Isna Islami, Adelia Wahyu Iwan Fakhruddin Kharismasyah, Alfato Yusnar Lestari, Rahma Dwi Maulida Nurul Innayah Miftahuddin, Muchammad Agung Mudjiyanti, Rina Mujirahayu, Tri Septin Naelati Tubastuvi Nurjanah, Anis Rofika Nurul Hidayah Almubarokah Pandansari, Tiara Pramurindra, Rezky Pratama, Andika Canggah Pratamasari, Mega Aprillia Rabbani, Agum Akbar Rahmawati, Meyssy Trisa Ramadhani, Alfina Nur Restu Frida Utami Rimellaika, Ardya Rohmah, Aulia Nur Sagita, Ira Salsabila, Difa Putri Setiawan, Dana Eka Silvia, Nadya Agnes Siska Liana Sri Wahyuni Suyoto Suyoto Suyoto Wahyu, Rizky Ananda Wahyuningsih, Septia Tri Wida Purwidianti Widyaningtyas, Dian Zakaria, Yoga Zain