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All Journal Maksimum : Media Akuntansi Universitas Muhammadiyah Semarang SEIKO : Journal of Management & Business YUME : Journal of Management Reswara: Jurnal Pengabdian Kepada Masyarakat EKONOMIKA45 Abdi Makarti Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies Jurnal Akuntansi International Journal of Accounting, Management, and Economics Research : Ijamer International Journal of Business and Management Technology in Society (IJBMTS)
Enny Susilowati Mardjono
Fakultas Ekonomi Dan Bisnis Universitas Dian Nuswantoro
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Pengaruh Literasi Keuangan, Inklusi Keuangan, Digital Payment, Kapabilitas Teknologi Informasi Komunikasi, dan Kapabilitas Keuangan Digital Terhadap Kinerja UMKM Kuliner di Kecamatan Banyumanik Kota Semarang Shinfi Nabila Putri; Enny Susilowati Mardjono; Ira Septriana; Purwantoro Purwantoro
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i3.11435

Abstract

This study aims to examine the effects of financial literacy, financial inclusion, digital payment, information and communication technology (ICT) capability, and digital financial capability on the performance of micro, small, and medium enterprises (MSMEs) in Banyumanik District. This research employs a quantitative approach using primary data collected through purposive sampling, with a sample of 100 MSME owners registered on digital platforms. The data were analyzed using SPSS statistical analysis techniques. The findings indicate that, partially, digital payment and information and communication technology (ICT) capability have a positive and significant effect on MSME performance, while financial literacy, financial inclusion, and digital financial capability do not have a significant effect. Simultaneously, all variables have a significant effect on MSME performance, indicating that the combination of financial factors and digital capabilities continues to play an important role in enhancing MSME performance and sustainability.
Co-Authors Abelinno Rizky Sectioazhari Adellia, Putri Rahma Ajeng Puspitasari Ananta Adi Firmansyah Anna Sumaryati Anna Sumaryati Arditya Dian Andika B. Andini Nugrahaning Wdhi Hermawan Triono Imang Dapit Pamungkas Ira Septriana Ira Septriana Ira Septriana, Ira Juli Ratnawati Juli Ratnawati Lilis Setyowati Mawarda, Aisa Senta Melati Oktafiyani Muhammad Fietra Winandha Muhammad Rafi Raihan Ngurah Pandji Mertha Agung Durya Nindiana Okta Auliya Prasetyo, Dwiky Budhi Purwantoro purwantoro purwantoro Ratna Herawati Salma Nurhaliza Putri Saputro, Dian Festiana Hadi Shalsabila, Fanisha Putri Shinfi Nabila Putri Susanto, Aurelia Triono, Hermawan Yulita Setiawanta Yulita Setiawanta