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All Journal Journal of Economic, Bussines and Accounting (COSTING) FINANCIAL : JURNAL AKUNTANSI International Journal of Economics, Business and Accounting Research (IJEBAR) Management Studies and Entrepreneurship Journal (MSEJ) JURNAL ILMIAH MAKSITEK JURNAL ILMIAH SIMANTEK JURNAL ILMIAH KOHESI Journal Of Human And Education (JAHE) Jurnal Pengabdian Pada Masyarakat METHABDI Majalah Ilmiah METHODA Jurnal Pengabdian Masyarakat dan Riset Pendidikan Jurnal Manajemen Dayasaing
Dina Rosmaneliana
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THE EFFECT OF FINANCIAL INCLUSION ON THE PERFORMANCE OF MSMES IN NORTH SUMATERA WITH FINANCIAL LITERACY AS A MEDIATION Syaifuddin, Syaifuddin; Rosmaneliana, Dina; Toni, Nagian; Aktar, Salim; Siregar, Robert Tua
JURNAL AKUNTANSI FINANCIAL STIE SULTAN AGUNG Vol 12 No 1S (2026): (International Conference ICEBEMA Dr. Soetomo University and ICEBesMA Prima Ind
Publisher : Sekolah Tinggi Ilmu Ekonomi Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37403/financial.v12i1S.832

Abstract

This study aims to examine the effect of financial inclusion on the performance of Micro, Small, and Medium Enterprises (MSMEs), with financial literacy acting as a mediating variable. MSMEs play a vital role in economic growth; however, many business owners face challenges related to limited access to financial services and inadequate financial knowledge. This research employs a quantitative approach using a survey method. Data were collected from MSME owners through structured questionnaires and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The results indicate that financial inclusion has a positive and significant effect on MSME performance, demonstrating that access to banking services, credit facilities, and digital financial platforms supports business growth and operational efficiency. Financial inclusion also significantly influences financial literacy, suggesting that greater exposure to financial services enhances business owners’ financial knowledge and skills. Furthermore, financial literacy has a significant positive effect on MSME performance and is proven to mediate the relationship between financial inclusion and performance. These findings imply that financial inclusion alone is insufficient without adequate financial literacy to ensure effective utilization of financial resources. Therefore, improving financial education alongside expanding access to financial services is essential to strengthen MSME sustainability and competitiveness. This study provides valuable insights for policymakers and financial institutions in developing strategies to enhance MSME performance through inclusive and educational financial systems.
Co-Authors Adnes Rida Sitorus Andrian Babtissay Simbolon Berlin Barus Butar Butar, Monetarist Dianty Putri Purba Dina Hastalona Dumariani Silalahi DUMARIANI SILALAHI Eni Rohani Sarumaha Enjelina Pasaribu Erbin Sitorus Eva Solita Pasaribu EVADINE, REBECCA Harlen Silalahi HARLEN SILALAHI JEAN MORGAN HSIEH Jeudi A. T. P. Sianturi MEGA RAYANI Monetarist Butar Butar Nikous Soter Sihombing Nowell Dewantara Petrus Loo Purba, Dianty Putri Purba, Dianty Putri Putri Sefrina Simatupang Rebecca Evadine Rebecca Evadine REBECCA EVADINE Rebecca Evadine Rebecca Evadine Siahaan Robert Tua Siregar Salim Aktar Selly Selly Shelline Angela SILALAHI, DUMARIANI Siregar, Achiruddin Sugito - Syaifuddin Syaifuddin Togar Timoteus Gultom Toni, Nagian Violyne Violyne WILSON . YENNY .