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All Journal IQTISHODUNA Jurnal Al-Qardh Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Riau Journal of Empowerment JURNAL PENDIDIKAN TAMBUSAI ASEAN Journal of Community Engagement El-Qist : Journal of Islamic Economics and Business (JIEB) Journal of Management - Small and Medium Enterprises (SME's) Jurnal Ekonomi dan Bisnis GROWTH (JEBG) JURNAL AGROINDUSTRI HALAL Langgam International Journal of Social Science Education, Art and Culture Journal of Economics, Accounting, Tax and Management eProceedings of Applied Science Tematik: Jurnal Penelitian Pendidikan Dasar PANDU: Jurnal Pendidikan Anak dan Pendidikan Umum Jurnal Akselerasi Merdeka Belajar dalam Pengabdian Orientasi Masyarakat (Jurnal AMPOEN) IIJSE Jurnal Ilmiah Kesehatan dan Kebidanan Journal of Islamic Entrepreneurship and Management
agustin, riska
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Industrial & Manufacturing Engineering Library & Information Science Public Health Social Sciences Other

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Journal : IQTISHODUNA

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Unlocking MSME Performance: The Role of Financial Literacy Through Financial Management and Competitive Advantage Maghfiroh, Rahma Ulfa; Agustin, Riska
IQTISHODUNA IQTISHODUNA (Vol. 22, No. 1, 2026)
Publisher : Fakultas Ekonomi, UIN Maliki Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/iq.v22i1.37120

Abstract

This research examines how financial literacy can improve MSME performance, with financial management and competitive advantage as mediating variables. Using a quantitative survey of 140 MSMEs in Sidoarjo and SEM-PLS software for analysis, these findings show important and new insights into economic issues. First, MSME performance is not directly impacted by financial literacy. Instead, its impact is fully mediated by competitive advantage and financial management. Second, financial literacy significantly improves financial management practices and strengthens competitive advantage, both of which positively and significantly affect MSME performance. These results demonstrate that financial knowledge alone is insufficient to improve performance unless translated into structured financial practices and strategic differentiation. In real-world conditions, MSMEs that implement systematic bookkeeping, cash flow control, cost efficiency strategies, and product differentiation are more likely to achieve higher profitability and sustainable growth. The study contributes theoretically by extending the Resource-Based View, positioning financial literacy as an internal capability that enhances performance indirectly through managerial and strategic mechanisms. Practically, the findings provide an evidence-based framework for policymakers and MSME practitioners to design targeted financial literacy programs integrated with hands-on financial management training and competitive strategy development.
Co-Authors Achmad Room Fitrianto Aini, Saqofa Nabilah Ajeng Tita Nawangsari Andi Setiawan Arista, Setia Rini Basuki, Ocky Kartika Wahyu Budi Upayarto Fani Rahma, Sari Fatimah Gibbons, Nadine Elizabeth Gunawan, Tedi Khayati, Ismatul Lestari, Sekar Rizky Margi Lubis, Rizka Hidayah Husin Maghfiroh, Rahma Ulfa Musthofa, Imron Mutia Qana'a Nafizah, Duratun Ngatmin Nur Hidayah, Windy Maulidia Nur Khasanah, Afifah Nurul Wahidah Ramadhani, Eka Nur Wahyu Safitri Rara Intan Mutiara Fajrin Rochmawati, Reni Romaisyah, Luqita Romi Mesra Septina Pratiwi, Khomsatun Sinorowenti, Adelia Ayu Siti Kalimah Surani, Dyah Ulfa Nadia Nurul Firdaus Wahyu Hidayat