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All Journal Jurnal Manajemen Bisnis Jurnal Ilmiah Econosains JOURNAL OF BUSINESS STUDIES Journal of Management and Leadership Jurnal Pemberdayaan Masyarakat Universitas Al Azhar Indonesia Jurnal STEI Ekonomi Jurnal Akuntansi dan Manajemen Jurnal Penelitian Ekonomi Akuntansi (JENSI) JMK Jurnal Manajemen dan Kewirausahaan Journal of Technopreneurship on Economics and Business Review (JTEBR) Journal of Economics and Business UBS Jurnal Manajemen Jurnal Ekonomika dan Manajemen Industrial Research Workshop and National Seminar Jurnal Manajemen dan Bisnis Jurnal Manajemen dan Bisnis Madani Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah
Diandra, Didip
Tanri Abeng University
Religion Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mechanical Engineering Public Health Social Sciences Other

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Pengaruh Literasi Keuangan dan Inklusi Keuangan terhadap Kinerja UMKM dengan Debt Financing sebagai variabel Mediasi Haikal, Fahri; Olivia, Putri Sarah; Diandra, Didip; Sulistianto, R Hario; Azhari, Muhammad Zakky; Mustofa, Yusufi Arif
Jurnal Penelitian Ekonomi Akuntansi Vol 9 No 2 (2025)
Publisher : Program Studi Akuntansi Fakultas Ekonomi Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jensi.v9i2.13612

Abstract

This study aims to analyze the effect of financial literacy and financial inclusion on the performance of MSMEs, with debt financing serving as a mediating variable. Using a survey of 200 MSME owners across various business sectors, data were processed and analyzed through Structural Equation Modeling (SEM) to test both direct and mediating effects. The findings indicate that financial literacy and financial inclusion have a significant impact on MSME performance, both directly and indirectly, through debt financing. This highlights the importance of financial knowledge and access to credit as drivers of sustainable business growth. The novelty of this research lies in positioning debt financing as a mediating factor that bridges financial capacity with performance outcomes, which has received limited attention in prior MSME studies. The study implies that improving financial education and expanding financial inclusion programs can enhance MSME resilience, while promoting responsible debt financing as an effective mechanism to strengthen business sustainability and competitiveness in the digital economy era.This study is limited to MSMEs in a specific region and cross-sectional data; future studies are encouraged to expand regional coverage, incorporate additional variables, and apply longitudinal approaches.
Co-Authors Adityatama, Unggul Agung Priyono Ahmad Azmy Ahmad Fairus Azka Aslin Yuliana Astra Novlantig Azhari, Muhammad Zakky Debby Arisandi Debby Arisandi, Debby ERWIN SYAHPUTRA Erwin Syahputra, Erwin Fahri Haikal Juliansyah, Shi Badio Muhammad Karasna, Danang Lingga Yuliana Mega Nuriza F Putri Moerales, Henky Ade Mulya Fuji Astuti Mustofa, Yusufi Arif Olivia, Putri Sarah Paidi Paidi Paidi W.S Putra, Ebit Salsabila, Resya Zalfa sanjaya, Rifki Satoto, Ayu Audina Shi Badio Muhammad Juliansyah Sulistianto, Hario Sulistianto, R Hario Tutiyani Tutiyani Wijanarko, Adrian A.