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All Journal Jurnal Manajemen Teknologi
Zaragoza, Merlin Grace Panggabean
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Computer Science & IT Decision Sciences, Operations Research & Management

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The Growth of MSE: The Effect of Financial Literacy and Access to Finance with Digital Finance and Usage of Digital Technology as Mediators Zaragoza, Merlin Grace Panggabean; Pramesti, Muthia
Jurnal Manajemen Teknologi Vol. 24 No. 1 (2025)
Publisher : Unit Research and Knowledge, School of Business and Management, Institut Teknologi Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12695/jmt.2025.24.1.2

Abstract

Abstract. This research was conducted to examine the effect of financial literacy and access to finance on the growth of micro-enterprises in Indonesia, with digital finance and the use of digital technology as mediation. This study uses a quantitative method with Indonesian micro-enterprises as respondents. Sampling obtained a total of 178 respondents, which was carried out by distributing questionnaires to the large community of MSEs: Jakpreneur and BRI Growprenuer. All data that has been collected is processed using the PLS-SEM method. The study results show that financial literacy and access to finance significantly influence the growth of micro-enterprises in Indonesia. The mediating role of digital finance and the usage of digital technology also significantly mediate the relationship between access to finance and micro-enterprise growth. Keywords: Financial literacy, access to finance, business growth, digital financial services, use of digital technology
Co-Authors Muthia Pramesti, Muthia