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All Journal Jurnal Pendidikan Ekonomi (JUPE) Panggung Jurnal Pengabdian Masyarakat Asia Strategic: Journal of Management Sciences
Miftahunnajah, Nimas Aulia Pambajeng
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Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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Journal : Strategic: Journal of Management Sciences

 1 
PENGARUH LITERASI KEUANGAN DAN INKLUSI KEUANGAN TERHADAP KEMAMPUAN MANAJEMEN KEUANGAN UMKM DENGAN FINANCIAL TECHNOLOGY SEBAGAI VARIABEL MEDIASI Miftahunnajah, Nimas Aulia Pambajeng
Strategic: Journal of Management Sciences Vol. 5 No. 2 (2025): Strategic Journal of Management Science
Publisher : Program Studi Magister Ilmu Manajemen Sekolah Tinggi Ilmu Ekonomi Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37403/strategic.v5i2.338

Abstract

Objective This study aims to analyze the influence of financial literacy and financial inclusion on the financial management capabilities of MSMEs in Jepara Regency, with financial technology (fintech) as a mediating variable. This research is essential, considering that weak financial management remains a major barrier to the sustainability of MSMEs, despite increasing access to financial services through digital technology. Research Method. A quantitative approach was employed using a survey method involving 100 MSME actors from various business sectors in Jepara Regency. The sample was selected through purposive sampling. Data processing and analysis were carried out using the Structural Equation Modeling (SEM) technique with the Partial Least Squares (PLS) method, assisted by SmartPLS version 4.0. Results. The findings show that financial literacy has a positive and significant effect on financial management capabilities, while financial inclusion shows a positive but weak effect. Fintech serves as a moderating variable that strengthens the effect of financial literacy on financial management but weakens the effect of financial inclusion on financial management. Conclusion. This study concludes that the optimal use of fintech requires adequate financial literacy. Relying solely on expanding financial access without improving financial understanding may lead to ineffective financial management. Therefore, MSME empowerment strategies must emphasize the integration of financial literacy, financial inclusion, and the wise use of financial technology.
Co-Authors Alwi, Asmidah binti Aulia, Fatika Putri bin Ismail, Adzrool Idzwan DAHLAN, TRI ANDARI Devitrisia, Naim Jarot Tri Bowo Santoso Margunani Roosdhani, Rifqy Widagdo, Jati