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Pengaruh Inklusi Keuangan dan Payment Gateway terhadap Kinerja Keuangan UMKM di Kota Denpasar dengan Literasi Keuangan sebagai Variabel Moderasi Ni Putu Puja Ardiana Reswari; I Made Suidarma
Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Vol. 6 No. 1 (2026): Maret: Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan (JIMEK)
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jimek.v6i1.9468

Abstract

This study examines the effect of financial inclusion and payment gateway usage on the financial performance of Micro, Small, and Medium Enterprises (MSMEs) in Denpasar City, with financial literacy as a moderating variable. A quantitative survey was conducted using questionnaires distributed to MSME owners who use formal financial services and digital payment instruments, and the data were analyzed with PLS-SEM using SmartPLS 4.0. The results show that both financial inclusion and payment gateway usage have a positive and significant impact on MSME financial performance, while financial literacy strengthens these relationships by enabling business owners to manage and optimize the use of financial products and digital payment systems more effectively. The study concludes that expanding access to financial services, encouraging the adoption of payment gateways, and improving financial literacy are essential strategies to enhance MSME financial performance in the digital era and offer useful insights for policymakers, financial institutions, and MSME stakeholders.
Co-Authors A.A. Gde Putra Pemayun Adyatna Wedananta, Kadek Antara, I Putu Candra Wiguna Arischa Bellanie Adryas Armanid, Aura Astari, Made Leony Milenia Ayu Trisnadewi, Ni Kadek Desak Made Febri Purnama Sari Desak Made Sukarnasih Dewi, Putu Ayu Suan Divany, Kadek Ratih Putri Gusi Putu Lestara Permana Gusti Ayu Putu Manik Rahayuningsih I Dewa Ketut Gede Prabawa I Dewa Nyoman Marsudiana I Dewa Nyoman Marsudiana I Dewa Nyoman Marsudiana I G. A. Desy Arlita I Gede K. Ananta Yoga I Gede Sanica I Gusti Ngurah Putra Suryanata I Gusti Ngurah Widya Hadi Saputra I Kadek Krisna Ari Putra I Kadek Yudha Pramana Putra I Ketut Alit Putra I Ketut Nurcita I Ketut Sudama I Komang Dicky Tri Denis I Made Dwi Aya Praditya I Made Sudiksa I Nyoman Anggaradana I Nyoman Arta Yasa I Nyoman Arta Yasa I Nyoman Arta Yasa I Nyoman Arta Yasa I Nyoman Sunarta I Nyoman Taun I Putu Denny Dwipayana I Wayan Sukadana I Wayan Sunia I Wayan Sunia Ida Ayu Oka Martini K. Ranata Harischandra Kadek Ovy Satyawati Ketut Elly Sutrisni Komang Ayu Puspita Dewi Komang Mega Utami Komang Sri Rahayu Komang Sri Widiantari Komang Sri Widiantari Komang Widhya Sedana Putra P Lestari, Putu Nina Eka Luh Ayu Rsiani Luh Bonita Paramadewi Luh Sri Puspita Dewi Made Arya Segara Wilis Made Kembar Sri Budhi Made Mulyadi Mahadewi, Ida Ayu Gd. Dian Febby Maharani, Made Diah Pradnya Marsudiana, I Dewa Nyoman Masno, Masno Mila Rahayu Damayanti Ni Kadek Sri Puspayani Ni Ketut Arniti Ni Ketut Elly Sutrisni, Ni Ketut Elly Ni Komang Puspita Astari Ni Luh Ayu Sri Antini Ni Nyoman Afrita Ni Nyoman Sunariani Ni Putu Alia Putri Pradnyani Ni Putu Bayu Widhi Antari Ni Putu Linda Kusumawati Ni Putu Nina Eka Lestari Ni Putu Puja Ardiana Reswari Ni Wayan Lasmi Noviyanti, Ni Putu Ratih Nuraga, Ketut Nyoman Djinar Setiawina Parasari , Nyoman Sri Manik Prawitasari, Putu Putri, Ni Wayan Okta Prasetya Putu Cita Ayu Rifqi Nur Fakhrurozi Sari, Kadek Ayu Nirmala Sugara Yasa, I Wayan Sumantri, I. GA. Alit Suoth, Verrel Renaldy Suriana, I Wayan Tambun, I Nengah Widhiadyani, Pande Ketut Ratih Widiantara, I Made Yasa, I Wayan Sugara Yoga, I Wayan Suprapta Yundari, Yundari