Article Per Year (5 Year)
p-Index From 2021 - 2026
2.663
P-Index
This Author published in this journals
All Journal Jurnal Akuntansi Indonesia Jurnal AKSI (Akuntansi dan Sistem Informasi) SENTRALISASI ISOQUANT : Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Ilmiah Edunomika (JIE) Keberlanjutan : Jurnal Manajemen dan Jurnal Akuntansi Abdimas Galuh: Jurnal Pengabdian Kepada Masyarakat Jurnal Abdimas Sangkabira Jurnal Terapan Ekonomi dan Bisnis (JTEB) ABDI UNISAP: Jurnal Pengabdian Kepada Masyarakat JAPP : Jurnal Akuntansi, Perpajakan dan Portofolio Jurnal Pengabdian Masyarakat Manage
Nurul Hidayah
Universitas Muhammadiyah Ponorogo
Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Nursing Social Sciences Other

Published : 21 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 21 Documents
Search

 1   2   3 
Beyond Digital Adoption: How Financial Technology and Digital Literacy Shape MSME Financial Performance through Financial Literacy Nur Sayidatul Muntiah; Nurul Hidayah; Arif Hartono; Wizdan Choiriyah
SENTRALISASI Vol. 15 No. 3 (2026): September
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v15i3.5807

Abstract

The digital economy has encouraged Micro, Small, and Medium Enterprises (MSMEs) to adopt digital technologies to enhance business performance and competitiveness. This study examines the effects of Financial Technology (FinTech) and digital literacy on MSME financial performance, with financial literacy serving as a mediating variable. Data were collected from 100 MSME owners in Ponorogo Regency, Indonesia, using proportionate stratified random sampling The proposed model was evaluated using Partial Least Squares Structural Equation Modeling (PLS-SEM). The empirical results demonstrate that FinTech, digital literacy, and financial literacy each exert a positive and significant effect on financial performance. FinTech adoption and digital literacy also contribute significantly to improving financial literacy. Furthermore, financial literacy partially mediates the relationship between FinTech and financial performance but does not mediate the effect of digital literacy on financial performance. These findings suggest that digital transformation should be accompanied by stronger financial capabilities, enabling MSMEs to convert technological adoption into sustainable financial performance. 
Co-Authors Adelia Ayuningtias Alvi Nur Aini Ana Silfia Anisa Ul'hasanah Anna Yaafi Aadilah Ardyan Firdausi Mustoffa Arif Hartono Eka Febiana Nurdiyawati Ela Fitriani Fanya Rosyidur Rohmah Salsabila Firda Aftiani Azizatul Muna Firnanda Ayu Novitalia Iin Wijayanti Ika Farida Ika Farida Ulfah Lilis Sumaryant Lilis Sumaryanti Mahardhani, Ardhana Januar Mudrikah Ratna Imtiyazari Nihaya Nur Arifah Nur Muntiah Nur Sayidatul Muntiah Nuraini Nuraini Rosyida Izzati Salsabil Morelza Sandria Bunga Devianti Titis Purwaningrum Windy Ayunda Woroningrum wizdan choiriyah