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Damelina B. Tambunan
Universitas Ciputra
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Financial Technology, Financial Literacy, and MSMEs' Financial Performance: The Mediating Role of Financial Inclusion in East Java Setiyawan, Raymond; Tambunan, Damelina Basauli
Jurnal Entrepreneur dan Entrepreneurship (JEE) Vol. 15 No. 1 (2026): Jurnal Entrepreneur dan Entrepreneurship (in Press)
Publisher : Universitas Ciputra Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37715/jee.v15i1.6265

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are key contributors to economic growth, yet many still experience constraints in accessing formal financial systems. This research analyzes the impact of financial technology and financial literacy on the financial performance of MSMEs, while considering financial inclusion as an intervening variable. The study adopts a quantitative design using primary data collected through questionnaires from 160 MSMEs owners who actively use digital financial services. The data were processed using Partial Least Squares - Structural Equation Modeling (PLS-SEM). The findings reveal that financial literacy significantly enhances both financial inclusion and MSMEs financial performance. Furthermore, financial inclusion plays a mediating role in the relationship between financial literacy and financial performance. In contrast, financial technology does not demonstrate a significant direct influence on MSMEs financial performance, nor does financial inclusion mediate this relationship. The results emphasize the critical role of improving financial literacy in conjunction with expanding access to digital financial services to support better financial outcomes for MSMEs.
Co-Authors Abidin, Achmad Adi Kurniawan Yusup Alexander, Juan Richard Andy Sanjoko Antonius Tanan Christian Herdinata Christina Bardien Christina Whidya Utami Daniel Kurniawan Daniel Kurniawan David Sukardi Kodrat Denpharanto Agung Krisprimandoyo Devi Rahnjen Wijayadne Eric Harianto Fajar, Leonard Putra Febry, Timotius Gerrits, Anathasia Gracia Gofelin Steifi Karundeng Grace Citra Dewi Hartono Hartono Hashim, Norashidah Binti Hikama, Nahli Isadora Elgina Pramana J.E. Sutanto J.E. Sutanto JE Sutanto Juan Richard Alexander Kusuma Wardhani, Mustika Eka Laura Angela Hartanto Liliana Dewi Metta Padmalia Murpin Josua Sembiring Napitupulu, Alfons Manuel P.M. Natalia Yuwono Norashidah Binti Hashim Norashidah Binti Hashim Padmali, Metta Pramana, Isadora Elgina Prasetio, Fiona Pratama, Okky Aditya Primadiansyah Ridha Novrizal Pujirahayu Sumaji, Yoseva Maria Rismawati br Sitepu Saputra, Martinus Calvin Setiowati, Maria Henny Setiyawan, Raymond Soetedja, Venny Sutanto, J. E. Syulhasbiullah, Muh Teofilus Teofilus Teofilus, Teofilus Thyrza Farizah Yosina Tommy Christian Efrata Tony Justinus Hoetama Trivina, Trivina Wendra Hartono Widyadhari, Amalia Tiffany Wijono, Monica Widyati Winarjo, Alexander Jevan Wirawan ED Radianto Wiyasa, Gracecilia Yashinta Armadita Hadi Yoseva Maria Pujirahayu Sumaji Yuni Putri Dewantara Yuni Putri Dewantara Yuwono Marta Dinata