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All Journal AGRIKA Agritrop : Jurnal Ilmu-Ilmu Pertanian (Journal of Agricultural Science) BUANA SAINS Joong-Ki : Jurnal Pengabdian Masyarakat PELS (Procedia of Engineering and Life Science) Grafting : Jurnal Ilmiah Ilmu Pertanian Joong-Ki Joong-Ki
Tri Kurniastuti
Universitas Islam Balitar
Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Control & Systems Engineering Education Electrical & Electronics Engineering Engineering Environmental Science Law, Crime, Criminology & Criminal Justice Mathematics Physics Social Sciences

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PENGARUH LITERASI KEUANGAN TERHADAP KETAHANAN UMKM PANGAN DALAM PEMANFAATAN FINTECH PADA PELAKU USAHA KOTA BLITAR Eko Wahyu Budiman; Tri Kurniastuti
BUANA SAINS Vol 25, No 3 (2025)
Publisher : Universitas Tribhuwana Tunggadewi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33366/bs.v25i3.7918

Abstract

This study aimed to examine the influence of financial literacy on the resilience of food-sector MSMEs (Micro, Small, and Medium Enterprises), with fintech adoption as a supporting variable, to address the research gap concerning the interaction between financial competence and technology adoption in the context of economic digitalization. A quantitative survey of 50 food-sector MSME actors in Blitar City who have used fintech services was analyzed using multiple linear regression. The results indicate that financial literacy has a significant and strong influence on business resilience (? = 0.47; p 0.01), while fintech adoption has a positive but more moderate effect (? = 0.22; p 0.05). The model explains 45% of the variance in MSME resilience. These findings reinforce the resource-based view theory by affirming that internal capability (financial literacy) is a key resource that is enhanced by technology (fintech) to build resilience. The implication is that MSME empowerment programs should integrate financial training with guided adoption of digital technology in a comprehensive manner
Co-Authors Efa Fauzi Eko Wahyu Budiman Etik M. Achadian Eva Lusiana Lintar Brillian P Luhur Aditya P Maylla Mazayu Palupi Puspitorini Rio Hasten Siswanto, Eko Zamrodah, Yuhanin