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All Journal DEDIKASI PKM International Journal of Business, Law, and Education Balance : Jurnal Akuntansi dan Manajemen Asia Pacific Journal of Management and Education Journal of International Conference Proceedings West Science Social and Humanities Studies
Lembong, Herningsih Sutri
Universitas Negeri Manado
Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Neuroscience Public Health Social Sciences Other

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Journal : International Journal of Business, Law, and Education

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Impact of Financial Technology Utilization, Working Capital Management, and Financial Resilience on MSME Sustainability During Uncertainty Economy Lembong, Herningsih Sutri; Tundu, Astrid Kristiana; Anwar, Samsul; Syaiful, Muhammad; Febrina, Ilza; Sudarmanto, Eko
International Journal of Business, Law, and Education Vol. 6 No. 2 (2025): International Journal of Business, Law, and Education (On Progress July-Desembe
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v6i2.1184

Abstract

Based on the results and discussion, this study concludes that financial technology utilization, working capital management, and financial resilience each have a positive and significant impact on the sustainability of MSMEs during periods of economic uncertainty. The findings highlight that MSMEs that actively adopt digital financial tools, manage their short-term finances efficiently, and develop strong financial resilience are better equipped to withstand and adapt to external shocks such as economic downturns, inflation, and market disruptions. Among the three factors, financial resilience emerged as the most influential, underscoring the critical role of strategic preparedness, adaptability, and financial buffers in ensuring business continuity. These results reinforce the theoretical perspective of the Resource-Based View (RBV), which emphasizes the importance of internal capabilities as sources of sustainable advantage. Therefore, strengthening digital adoption, financial management practices, and resilience-building efforts should be prioritized by MSME stakeholders, including policymakers, financial institutions, and business support organizations to enhance long-term survival and performance in an increasingly volatile economic environment.
Co-Authors Febrina, Ilza Gumolung, Remart Irvandi W. Ombuh Jenny Nancy Kaligis Jessylistina Langie Kaparang, Vica W.P. Katiandagho, Chelsia Lihart Lumapow Lydia Ivana Kumajas Muhammad Syaiful Nikolas Fajar Wuryaningrat Oktaviana, Leony Patricia Steffina Mawitjere Polii, Nicky Fresya Rindengan, Hizkia Yehuda Rumerung, Finny Sania Srikandi Samsul Anwar Sudarmanto, Eko Topah, I Made Giliyan Fosen Tumbelaka, Steven Set Xaverius Tundu, Astrid Kristiana Wuisang, Angeline Grace