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All Journal Jurnal Kajian Manajemen Bisnis Jurnal Widya Manajemen & Akuntansi Journal of Economic, Bussines and Accounting (COSTING) JOURNAL OF APPLIED ACCOUNTING AND TAXATION J-MAS (Jurnal Manajemen dan Sains) Owner : Riset dan Jurnal Akuntansi Procuratio : Jurnal Ilmiah Manajemen Jurnal Informatika Ekonomi Bisnis Jurnal Manajemen Universitas Bung Hatta Enrichment : Journal of Management Jurnal Ekonomika Dan Bisnis Jurnal Manajemen Stratejik dan Simulasi Bisnis Journal of Accounting and Finance Management (JAFM) Maqdis: Jurnal Kajian Ekonomi Islam Jurnal Informatika Ekonomi Bisnis Atestasi : Jurnal Ilmiah Akuntansi
Tafdil Husni
Universitas Andalas
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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The Influence of Digital Financial Literacy and Government Support on the Financial Performance of Retail MSMES in Padang City With Digital Payment Adoption as a Mediating Variable Fadhillatul Hidayati; Tafdil Husni; Fajri Adrianto
Jurnal Manajemen Stratejik dan Simulasi Bisnis Vol. 7 No. 1 (2026): Jurnal Manajemen Stratejik dan Simulasi Bisnis (Issue in Progress)
Publisher : Fakultas Ekonomi Universitas Andalas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25077/jmassbi.7.1.16-30.2026

Abstract

This study aims to examine the effect of digital financial literacy and government support on the financial performance of micro, small, and medium enterprises (MSMEs) in the retail sector in Padang City, with digital payment adoption as a mediating variable. Digital payments in this study include the use of e-wallets and QRIS. This research employs a quantitative approach using non-probability sampling with a purposive sampling technique. A total of 100 respondents were obtained through the distribution of questionnaires via Google Forms to retail-sector MSME owners in Padang City who have adopted digital payment systems. Data analysis was conducted using the Structural Equation Modeling– Partial Least Squares (SEM-PLS) method with SmartPLS version 4.0 software. The results indicate that digital financial literacy and government support have a positive and significant effect on digital payment adoption. Furthermore, digital financial literacy, government support, and digital payment adoption have a positive and significant effect on financial performance. Mediation analysis reveals that digital payment adoption significantly mediates the relationship between digital financial literacy and financial performance. However, digital payment adoption does not significantly mediate the relationship between government support and financial performance, indicating that the influence of government support on financial performance is more dominantly exerted through a direct pathway rather than through the mechanism of digital payment adoption.
Co-Authors Abel Tasman Adiandra Wiransyah Adrianto, Fajri Alfarisi, Fany Alfarisi, M. Fany Alfarisi, Mohamad Fany Almaidah Ana Oktavia Besri Aprayuda, Riyadi Besri, Almaidah Ana Oktavia Ciseta Yoda, Tilawatil D, RIZKI FADHEL Das, Nidia Anggreni Dimas Tristiyono Eka Rosalina Elvira Luthan Fadhillatul Hidayati Fajri Adrianto Fani Elfarisy Fany Alfarisi Frima, Rini Gustina Gustina Hadya, Rizka Husni, Sari Fatul M. Fany Alfarisi M. FANY ALFARISI Mardiani, Sari Masyhuri Hamidi, Masyhuri Miranda Nuraini Miranda Sjofian, Devina Mohamad Fany Alfarisi Nova Begawati Rahmahtika, Rahmahtika Rida Rahim Rizki Fadhel Rizquha, Yaktiha Sari Mardiani Syukri Lukman Yanti Yanti