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All Journal JAKPI Owner : Riset dan Jurnal Akuntansi GERVASI: Jurnal Pengabdian kepada Masyarakat Competitive Jurnal Akuntansi dan Keuangan Journal Research of Social Science, Economics, and Management
Erny Luxy D Purba
Universitas Negeri Medan
Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Optimalisasi Kinerja Keuangan UMKM Medan Dimoderasi Tingkat Pendidikan Erny Luxy D Purba; Khairunnisa Harahap; La Ane
Owner : Riset dan Jurnal Akuntansi Vol. 10 No. 4 (2026): Artikel riset Oktober 2026
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/owner.v10i4.3555

Abstract

Competitive challenges require MSMEs to enhance financial literacy, utilize formal financial services, implement digital marketing strategies, and adopt cashless payments to improve financial performance. This study aims to analyze the influence of financial literacy, financial inclusion, digital marketing strategies, and cashless payment usage on the financial performance of MSMEs, while also examining the moderating role of education level. This quantitative research employs an explanatory approach, collecting primary data through questionnaires distributed to 315 MSME actors across 21 sub-districts in Medan City, yielding 260 valid and processable responses. Data analysis was conducted using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS 3.0 software. The findings reveal that financial literacy and cashless payments have a positive and significant effect on MSME financial performance, whereas financial inclusion and digital marketing strategies exhibit a negative effect. Education level does not significantly moderate the relationships between any of the four variables and MSME financial performance. The novelty of this research lies in its simultaneous integration of four key variables into a unified model with education level as a moderating variable in the context of MSMEs in Medan City, providing fresh empirical evidence following the implementation of QRIS and the acceleration of economic digitalization initiated by Bank Indonesia.
Co-Authors Andri Zainal Dandi Abdul Halim Isti Maunida Hanum Josephin Kezia Khairunnisa Harahap Kornelius Harefa La Ane La Ane Lusianna Juwita Sihombing Monica Aprillia Rajagukguk Nurhayani, Ulfa Nurul Khalida Ritonga Putri Chintia R Hutagalung Rotua SP Simanullang Salsabila Irfan Samuel Putra Sondang Aida Silalahi Sriwedari, Tuti Thohiri, Roza Tri Yanti Yuniar triadiarti, yulita