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All Journal SENTRALISASI Ekuilibrium : Jurnal Ilmiah Bidang Ilmu Ekonomi ISOQUANT : Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Ilmiah Edunomika (JIE) ASSET: Jurnal Manajemen dan Bisnis Bussman Journal : Indonesian Journal of Business and Management Formosa Journal of Multidisciplinary Research (FJMR) The Academy Of Management and Business (TAMB) Worksheet : Jurnal Akuntansi Musyarakah: Journal of Sharia Economics (MJSE) JAKBS JAPP : Jurnal Akuntansi, Perpajakan dan Portofolio Jurnal Ekonomi dan Bisnis Journal of Economic and Business Journal of Islamic Banking
Arif Hartono
Universitas Muhammadiyah Ponorogo
Religion Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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Beyond Digital Adoption: How Financial Technology and Digital Literacy Shape MSME Financial Performance through Financial Literacy Nur Sayidatul Muntiah; Nurul Hidayah; Arif Hartono; Wizdan Choiriyah
SENTRALISASI Vol. 15 No. 3 (2026): September
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v15i3.5807

Abstract

The digital economy has encouraged Micro, Small, and Medium Enterprises (MSMEs) to adopt digital technologies to enhance business performance and competitiveness. This study examines the effects of Financial Technology (FinTech) and digital literacy on MSME financial performance, with financial literacy serving as a mediating variable. Data were collected from 100 MSME owners in Ponorogo Regency, Indonesia, using proportionate stratified random sampling The proposed model was evaluated using Partial Least Squares Structural Equation Modeling (PLS-SEM). The empirical results demonstrate that FinTech, digital literacy, and financial literacy each exert a positive and significant effect on financial performance. FinTech adoption and digital literacy also contribute significantly to improving financial literacy. Furthermore, financial literacy partially mediates the relationship between FinTech and financial performance but does not mediate the effect of digital literacy on financial performance. These findings suggest that digital transformation should be accompanied by stronger financial capabilities, enabling MSMEs to convert technological adoption into sustainable financial performance. 
Co-Authors Adelia Ayuningtias Alfi Agustin Puspita Dewi Amelina Dwi Febriana anggun budi lestari Anisa Ul'hasanah Ardiana, Titin Eka Aulia Ika Febriani Deviana Eka Ramayanti Dona Putri Arum Sari Dwiati Marsiwi Fadilla Margaretha Ayu Daratista Fera Susilowati Hayyin Aziza Firly Iin Wijayanti Ika Farida Ulfah Khusnatul Zulfa W Khusnatul Zulfa Wafirotin Merie Satya Angraini Mike Amaradila Niken Nastiti Nur Sayidatul Nur Sayidatul Muntiah Nurul Hidayah Rimi Gusliana Mais Riza Dessy Nila Ayutika Saiful Muchlis Sulis Megawati Ulul Az’mi Vullaela Yuliastuti Wahyu Riskina Dita wizdan choiriyah