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Bedjo Santoso
Politeknik Kesehatan Kemenkes Semarang
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IT for E-Commerce, Financial Literacy, Financial Inclusion and Smes Performance: Mediating Role of Spiritual Value Yuni Maulida; Bedjo Santoso
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 5, No 3 (2022): Budapest International Research and Critics Institute August
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i3.6763

Abstract

The aim of this study is that to examine the effect of IT for e-commerce, financial literacy and financial inclusion on the performance of SMEs with spiritual value as a moderating variable. In general, the company faces challenges in maintaining superior business performance over a long period. Furthermore, most companies find it difficult to continuously achieve business performance which suitable to the strategic insight and agility to ensure the business environment. Resource based View and Technology Acceptance Model was the theory which underlay this study. This study used a sample of 180 SMEs in Central Java. In addition, the data analysis method in this study used multiple regression analysis with the SmartPLS version 3 application. The result shows that IT for e-commerce and financial literacy has a significant positive effect on financial inclusion. Meanwhile, IT for e-commerce has no significant positive effect on SMEs performance. Financial literacy and financial inclusion have a significant positive effect on SMEs performance. In addition, spiritual values are able to moderate the relationship between IT for e-commerce, financial literacy and financial inclusion on SMEs performance.
Co-Authors Aini, Fajaria Nur Ana Sakinatun Nisa Ani Subekti Ari Suwondo Ari Suwondo Ari Suwondo Ari Suwondo Ari Suwondo Suwondo Arip Rahman Arwani Arwani Bagus Dwi Handoko Bambang Sutomo Bambang Sutomo Bambang Sutomo Boby Irsan Sakbana Dedy Dedy Dedy Dedy Dina Hanifa Diyah Fatmasari Emilda Sari Emilda Sari Endah Aryati Ekoningtyas Esti Handayani Fastabiqul Hanif Francisca Fatima De Sena Freya Nazera Iskandar Freya Nazera Iskandar Gatot Murti Wibowo Hermien Nugraheni Ida Rahmawati Ida Rahmawati Imam Djamaluddin Mashoedi Indiyah Sulistiyowati Irmanita Wiradona Irmanita Wiradona Jeffri Ardiyanto Julia Dance Setyowati Kadek Yuli Hesti Karsum Udin Karsum Udin Kharismana Umia Krisdiana Wijayanti Lanny Hapsari Winnursita lely Surya Ningsih Leni Latifah Lina Rismayani Luci Fitrianti M. Choiroel Anwar Manzilina Hani Baity Jannaty Mardiyono Mardiyono Mardiyono, Mardiyono Marsum Masrifan Djamil Masrifan Djamil Masrifan Djamil Masrifan Djamil Melani Agis Marludia Melanie Agis Marludia Melyana Nurul Widyawati Melyana Nurul Widyawati Mita Agustina Muflihah Isnawati Muh. Firdaus Tullah Muhaji Muhaji Muliadi Muliadi Nanda Bupa Pratama Ngadiyono Ngadiyono Niya Fittarsih Fittarsih Noor Afifah Noor Pramono Novi Atiyata Maula Novi Indriani Noviasari Nursasi Nurul Aeni Nurul Istiqomah Nyoman Indah Sukmasari Pamunarsih Pamunarsih Peni Yuliawati Prasko , Prasko Prasko Provita Wijayanti Purnama, Tedi Puteri Inandin Nabiha Putrono Putrono Rappi Rappi Rasipin Rasipin Rasipin Rasipin Rasipin Rasipin Rasipin Rasipin Ratna Puspita Rieza Zulfahmi Taftazani Riski Riski Rizki Amalia Rohisotul Laily Rose Asni Lathifah Rr Sri Endang Pujiastuti Rr Sri Endang Pujiastuti Rr. Sri Endang Pujiastuti Runjati Sadimin Sadimin Salikun Salikun Salikun Salikun Sarkum Sarkum Setiadji Musthofa Shelvi Ovi Lestari Shinta Dhian Hasna Atifah Shobirun Shobirun Siti Aisiyah Suciningtyas Siti Masrochah Soeharyo Hadisaputro Sri Wahyuni (S) Sri Widiyanti Suciyati Sundu Sudirman Sudirman Sudirman Sudirman Sudirman Sugiyanto Suharyo Hadisaputro Suharyo Hadisaputro Sukini, Sukini Sulur Joyo Sukendro Supriyadi Supriyana Supriyana Supriyana Supriyana Supriyana Supriyana Supriyana Supriyana Suryati Kumorowulan Syaukia Adini Titi Suherni Tri Wiyatini Tri Wiyatini Ulliana - Wahyu Jati Dyah Utami Waljuni A Rahman Waljuni Astu Rahman Wanda Nur Aida Yayuk Fathonah Yodong Mustofa Yuli Admasari Yuli Sulistiyo yulistina yulistina Yuni Maulida