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All Journal International Journal of Management Science and Information Technology (IJMSIT)
Kartika Aprilia Ivani
Politeknik Nusantara Balikpapan
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Effect of Digital Financial Literacy on Financial Performance and Business Sustainability of Culinary MSMEs in Balikpapan City Kartika Aprilia Ivani
International Journal of Management Science and Information Technology Vol. 6 No. 2 (2026): July - December 2026
Publisher : Lembaga Komunitas Informasi Teknologi Aceh (KITA), Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/ijmsit.v6i2.8612

Abstract

This study examines the effect of digital financial literacy on the financial performance and business sustainability of culinary MSMEs in Balikpapan City. A quantitative design was used, drawing on primary data collected through questionnaires from 46 owners or managers of culinary MSMEs. Respondents were selected through purposive sampling with criteria that required at least one year of business operation, direct involvement in financial management or decision-making, and active use of digital financial services in business activities. Data were gathered using a five-point Likert scale. The analysis included descriptive statistics, validity and reliability tests, normality testing, heteroscedasticity testing, simple linear regression, t-tests, and the coefficient of determination. The findings indicate that digital financial literacy has a positive and significant effect on financial performance, with a coefficient of 0.681, a t-value of 5.519, and a significance level of 0.000. The R² value of 0.464 suggests that digital financial literacy accounts for 46.4% of the variation in financial performance. The test on business sustainability shows a coefficient of 0.724, a t-value of 7.132, and a significance level of 0.000, with an R² value of 0.524. These results suggest that stronger understanding and use of digital financial services are associated with better financial management and a greater ability to maintain business operations. The findings apply to the respondents included in the study and cannot yet be generalized to all culinary MSMEs in Balikpapan City.
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