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All Journal Jurnal Ilmiah Mahasiswa Ekonomi Manajemen Menara Ilmu Jurnal Menara Ekonomi : Penelitian dan Kajian Ilmiah Bidang Ekonomi Jurnal Ekonomi Manajemen Sistem Informasi AMAR (Andalas Management Review) International Journal of Islamic Business and Management Review Jurnal Manajemen Stratejik dan Simulasi Bisnis TOFEDU: The Future of Education Journal El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies
Fajri Adrianto
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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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 Hidayati, Fadhillatul; 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 Amelia Putri Doni Rahmad Eko Dwi Putra Hadis, Fajar Sukma Hendrian Perdana Hidayati, Fadhillatul Jeli Nata Liyas Jingga Novebreza Islah Masyhuri (Masyhuri) Putri Amelia Tafdil Husni Yunita Ardella Putri