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All Journal Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Journal of Business and Behavioural Entrepreneurship IKRA-ITH ABDIMAS Journal of Management and Leadership eCo-Buss Jurnal Penelitian Ekonomi Akuntansi (JENSI) ANALISIS - SCIENTIFIC JOURNAL OF ECONOMICS, MANAGEMENT, BUSINESS, AND ACCOUNTING Jurnal Valuasi : Jurnal Ilmiah Ilmu Manajemen dan Kewirausahaan Jurnal Riset Manajemen dan Bisnis
Fahri Haikal
Tanri Abeng University
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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The Mediating Role of Financial Inclusion in the Relationship between Financial Literacy and MSME Performance Haikal, Fahri; Fitri, Diin; Priyono, Agung; Putri, Narti Eka
Journal of Business and Behavioural Entrepreneurship Vol. 9 No. 2 (2025): Journal of Business and Behavioural Entrepreneurship
Publisher : Fakultas Ekonomi, Universitas Negeri Jakarta, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/JOBBE.009.2.07

Abstract

MSMEs play a strategic role in the Indonesian economy but still face obstacles in the form of low financial literacy and limited access to formal financial services. This study uses a quantitative approach involving 200 MSME actors in Jakarta selected through purposive sampling, where data were collected using questionnaires and analysed using a Partial Least Squares (PLS-SEM) structural equation model. The results show that financial literacy has a positive and significant effect on financial inclusion and SME performance. Financial inclusion also has a positive and significant effect on SME performance and mediates the relationship between financial literacy and SME performance, with a stronger indirect effect than a direct effect. These findings emphasise the importance of improving financial literacy, followed by expanding access to formal financial services so that SMEs can improve their performance and competitiveness.
Co-Authors Agung Priyono AGUNG PRIYONO Akhmad Hairul Umam, Akhmad Hairul Annisa Annisa Apandi, Aden Azhari, Muhammad Zakky Diandra, Didip Fitri, Diin Johardi, Musdalifa Ramdhani Karasna, Danang Kartanegara, Adam Mulyana, Muhammad Femy Munir, Anita Mustafa, Yusufi Arif Mustofa, Yusufi Arif Olivia, Putri Sarah Putri, Narti Eka R.Hario Sulistianto, S.Sos., MBA Randy Dwiyan Delyuzir Sulistianto, R Hario Sulistianto, R. Hario Zahra, Putri Alifia