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All Journal Jurnal Manajemen Bisnis Jurnal Dinamika Sosial Budaya EBSJ Jurnal STIE Semarang (Edisi Elektronik) International Journal of Economics Development Research (IJEDR) SOLUSI Jurnal Disrupsi Bisnis Solusi: Jurnal Kajian Ekonomi dan Bisnis ARBITRASE: JOURNAL OF ECONOMICS AND ACCOUNTING Formosa Journal of Multidisciplinary Research (FJMR) Literasi: Jurnal Pengabdian Masyarakat dan Inovasi Jurnal Pengabdian West Science DIMASEKA
Souisa, Johanis
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Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Analyzing the Impact of Islamic Literacy, Technology, and Experience on MSME Performance: The Role of Spirituality as a Moderating Variable Widyakto, Adhi; Souisa, Johanis; Kusumawati, Citra Andriani; Widyarti, Endang Tri
Jurnal Manajemen Bisnis Vol. 15 No. 1: March 2024
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/mb.v15i1.19859

Abstract

Research Aims: This study aims to explore the influence of Islamic financial literacy, Islamic fintech, and financial experience on the performance of Micro, Small, and Medium Enterprises (MSMEs), considering spirituality as a potential moderating variable.Design/Methodology/Approach: Employing a sample of 126 MSME owners in Semarang, this research utilizes Hair’s model of calculations. The analytical method applied is multiple regression analysis using the third version of the SmartPLS software.Research Findings: The findings indicate that Islamic financial literacy, Islamic financial technology, and financial experience have a positive and significant impact on MSME performance. However, spirituality did not significantly moderate the relationship between Islamic financial literacy, Islamic fintech, and financial experience on MSME performance.Theoretical Contribution/Originality: This study contributes to the resource-based view theory by examining how a firm’s capabilities and internal resources, conceptualized as a bundle of resources and capabilities, interact with external spiritual values to influence MSME performance. It also addresses the role of internal resources in fostering competition within firms to achieve their goals.
Co-Authors Adhi Widyakto Agustin, Indah Ratna Amaliyah, Erlina Dewi Endah Aprih Santoso Ardani, Vardila Dwi Norcahyaningsih Endang Tri Widyarti, Endang Tri Hertiana, Maghfiroh Hidayah, Nining Indah Sulistyowati , Rini Indah Sulistyowati, Rini Indarto, Bayu Indriyanti, Irma Istiyawari, Laurene Januarta, Ganda Kusumawati, Citra Andriani Miftanudin, Arif Moeljono Moeljono Novasari, Linda Oktavianto, Alvian Dwi PUSPITASARI, WAHYU Rahayu, Rahayu Lesninghati Retno Retno Rini Indah Sulistyowati, Rini Indah Rizkiana, Citra Safira, Putri Shofiana, Vicky Nesriyan Dewi Sugeng Riyanto Suryawardana, Edy Utomo, Afi Zuhriyah Utomo, Rudhericus Satrio Tedjo Wardani, Savira Kusuma Widyakto, Adhi Yani, Tri Endang