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Siti Shoimah
Universitas Islam Darul 'Ulum
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Library & Information Science Public Health Social Sciences Other

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Journal : Diversity Logic Journal Multidisciplinary

 1 
THE NEXUS OF FINANCIAL LITERACY, FINANCIAL TECHNOLOGY, AND FINANCIAL INCLUSION ON FINANCIAL PERFORMANCE: INSIGHTS FROM LAMONGAN'S CULINARY MSMES Maulidia Putri, Ihza Zamzara; Rachmaniyah, Fatichatur; Shoimah, Siti
DIVERSITY Logic Journal Multidisciplinary Vol. 2 No. 3 (2024): December: Diversity Logic Journal Multidisciplinary
Publisher : SYNTIFIC

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61543/div.v2i3.102

Abstract

Background: The MSME culinary sector is one of the most popular industries in Indonesia, particularly in Lamongan. MSME entrepreneurs in this sector need to enhance their understanding of financial literacy and financial inclusion to improve their business's financial performance. Additionally, keeping up with modern developments by utilizing financial technology is crucial to optimizing financial management. Research Purpose: This study aims to understand how financial literacy, fintech, and financial inclusion impact the financial performance of culinary micro, small, and medium enterprises in Lamongan. Research Method: This study uses an explanatory quantitative research approach. Data collection was conducted through Likert-scale questionnaires distributed to 140 MSME respondents in the culinary sector in Lamongan. These respondents were selected using purposive sampling, and the data were analyzed using multiple linear regression. Findings: The study reveals that financial literacy and inclusion enhance the financial performance of culinary micro, small, and medium enterprises in Lamongan. While fintech's role is insignificant, a synergistic approach involving all three factors significantly contributes to improved performance. Conclusion: Financial literacy and financial inclusion among MSMEs in Lamongan's culinary sector are relatively good. However, the application of financial technology does not significantly affect financial performance, as most consumers in Lamongan, from lower-middle-income groups, do not widely use fintech for transactions.
Co-Authors Abdullahi Adio Babatunde Abidatus Suroya, Naela Afril Efan Pajri Agustiningtyas, Eka Ahmad Jemy Ahmad Sholikin Ahmed Oloruntobi Adekunle Aldhian Nur Isnaini Aldhian Nur Isnaini Ali muhajir, Ali Ana Fitriyatul Bilgies, Ana Fitriyatul Anis Nafiatul Umah Anjelika, Selfi Quraini Ari Rusnia Widhya F Widhya Avia Nur Kholifah Ayu, intan Cinta Ayu Amaliyah Amaliyah Desy Putri Ayu Nurvita Sari Devi Nur Mayang Sari Dian Eka Kusumawati Eka Fadlilatus Saadah Eka Puspita Sari Maaidah Faiqotul Himma, Faiqotul Fatichatur Rachmaniyah Fatichatur Rachmaniyah Fatichatur Rochmaniyah Handariyatul Maimunah Hasmah Hasmah Have Zulkarnaen Ismawati Ismawati Istiqomah, Istiqomah Ita Aristia Sa'ida Khoirul Umam Khuriyah . Laila Arisandra, Martha Latif Maulana Latif, Nashrudin Latifatul Ainiyah M. Donny Saputra Martha Laila Arisandra, Martha Laila Maulidia Putri, Ihza Zamzara Miftahul Huda Mochammad Al Musadieq Moh. Ali Wafa Moh. Azus Shony Azar Moh. Azus Shony Azar Muhammad Rosyid Muhammad Sholihin N i’ma turroviah Nafahatus Sahariyah Nawari Nawari Nawari Nawari, Nawari Novi Darmayanti Novi Darmayanti Nur Faidzin Nur Qomariyah Nur Vinda Eka Sholikhatus Nurul Fauziyah Putri, Windy Anissa Amilia Rachmaniyah, Fatichatur Rahajaan, Thomas Evi Viktor Ridho Bagus Setiawan Rifky Ardhana Kisno Saputra Rizal bahary, Achmad Robby Nur Akbar Sahri Sahri Shinta Maharani Trivena Suhariyanto Suhariyanto Suryadi, I Gede Iwan Syaiful Amin Ardiansyah Tasya Lailatul Firdaus Umar Nimran Wahyu Ginanjar A.S Wulansari, Kristin