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All Journal Journal of Management and Business Review Community Development Journal: Jurnal Pengabdian Masyarakat ANALISIS - SCIENTIFIC JOURNAL OF ECONOMICS, MANAGEMENT, BUSINESS, AND ACCOUNTING JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Journal of Artificial Intelligence and Digital Business Indonesian Journal Of Economy Studies Journal of Marketing Management and Innovative Business Review
Mongan, Claudio Julio
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Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Health Professions Public Health Social Sciences

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Journal : JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi)

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Maximizing SME Financial Performance: The Role of Financial Literacy, Access to Financing, and Business Strategy Mongan, Claudio Julio; Lambe, Kristian Hoegh Pride; Irdawati
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 11 No. 3 (2025): Juni 2025
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v11i3.4075

Abstract

This study investigates the influence of financial literacy and access to financing on the financial performance of SMEs and manufacturing companies in Makassar, Indonesia, with business strategy as a moderating variable. Using a quantitative, explanatory research design and a sample of 96 respondents, data were analyzed through Structural Equation Modeling with the SmartPLS tool. The results reveal that financial literacy does not significantly impact financial performance, suggesting that knowledge alone may not translate into better financial outcomes. Conversely, access to financing has a significant positive effect on financial performance, highlighting the critical role of financial resources in business development. Furthermore, business strategy does not moderate the relationship between financial literacy and performance but does negatively moderate the relationship between access to financing and performance. This indicates that misalignment between financing utilization and strategy may hinder financial improvements. The study contributes to understanding how internal capabilities and strategic orientation influence performance outcomes and offers practical insights for SMEs in aligning strategies with financial decisions. Future research should explore other moderating factors to deepen understanding of these dynamics.
Co-Authors Bandhaso, Mira La'bi Irdawati Irdawati Irdawati Jaya, Amir Johannes Baptista Halik Lambe, Kristian Hoegh Pride Lintang, Jane Mongan, Benyamin Munda, Jimmy Eltari Nurlia Nurlia Pabane, Wulan Padang, Enrichus Sampe Patandean, Eben Haezer Basran Somba, Inda Sartika SU, Imam Arrywibowo Todingbua, Manuel A. Todingbua, Manuel August Tonapa, Cindy Dewi Cristin Wattilete, Litha Clara