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All Journal MABIS: Manajemen dan Bisnis
Prasetia, Tadir Eko
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Economics, Econometrics & Finance Social Sciences

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The performance of microenterprises in Palu City: financial literacy moderates the influence of access to capital and digital payment Prasetia, Tadir Eko; Nurdin, Djayani; Kadang, Juliana
Manajemen dan Bisnis Vol 24, No 1 (2025): March 2025
Publisher : Department of Management - Faculty of Business and Economics. Universitas Surabaya.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24123/mabis.v24i1.843

Abstract

This research is aimed at identifying and analyzing the key factors of economic access, digital payments, and financial literacy as mediation variables towards the performance of microenterprises in Palu City. The type of research used is quantitative research. The population in this study is the entire microenterprise in Palu City. The analysis tool used in this study is Partial Least Squares (PLS) 3.0 with a sample of 278 respondents. Data collection using a questionnaire through Google Forms. The results of the research show that (1) access to financial assets has a positive and significant influence on the performance of micro enterprises, (2) digital payments have a positive influence and a significant effect on micro enterprise performance, (3) financial literacy has a negative influence (enhancing) as moderation of the relationship between access to finance and performance of micropartnerships, and (4) financial literature has a positive impact (enforcing) in terms of moderating the relation between digital payments and the performance of microenterprises in the city of Palu.
Co-Authors Juliana Kadang NURDIN, DJAYANI