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Kurniastuti, Tri
Universitas Islam Balitar
Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Economics, Econometrics & Finance Education Engineering Health Professions Immunology & microbiology Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Nursing Physics Public Health Social Sciences Other

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PENGARUH LITERASI KEUANGAN TERHADAP KETAHANAN UMKM PANGAN DALAM PEMANFAATAN FINTECH PADA PELAKU USAHA KOTA BLITAR Budiman, Eko Wahyu; Kurniastuti, Tri
BUANA SAINS Vol 25, No 3 (2025)
Publisher : Universitas Tribhuwana Tunggadewi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33366/bs.v25i3.7918

Abstract

This study aimed to examine the influence of financial literacy on the resilience of food-sector MSMEs (Micro, Small, and Medium Enterprises), with fintech adoption as a supporting variable, to address the research gap concerning the interaction between financial competence and technology adoption in the context of economic digitalization. A quantitative survey of 50 food-sector MSME actors in Blitar City who have used fintech services was analyzed using multiple linear regression. The results indicate that financial literacy has a significant and strong influence on business resilience (? = 0.47; p 0.01), while fintech adoption has a positive but more moderate effect (? = 0.22; p 0.05). The model explains 45% of the variance in MSME resilience. These findings reinforce the resource-based view theory by affirming that internal capability (financial literacy) is a key resource that is enhanced by technology (fintech) to build resilience. The implication is that MSME empowerment programs should integrate financial training with guided adoption of digital technology in a comprehensive manner
Co-Authors Achadian, Etik M. Ahmad Budi Setiawan, Ahmad Alamulhuda, Atssiqif Apriyani, Nikolas Bayu Saputra Budiman, Eko Wahyu Eko Wahyu Budiman Endrawati, Tri Erlin Widya Fatmawati Khoiruddin, Farit Kusuma, Agung Hendra Mokti wibowo, Waloyo Najiyah, Virqotin Nurul Farida Nurul Laili, Faiftin Oryza Sativa, Rima Dewi Pitaloka, Dyah Prihadianti, Yasti Punjungsari, Tyas Nyonita Puspitorini, Palupi Qoyim, Zainul Saputro, Dimas Arya Sari, Eka Febriana Sativa, Rima Dewi Oryza Sekar Sarjani, Alvita Sekartadji, Dewi Indah Septiawan, Bambang Serdani, Army Dita Sibyan, Ahmad Siswanto, Eko Suprianto, Amelia Nur Sutanto, Yufi Priyo Widiatmanta , Jeka Widiatmanta, Jeka Yuanita, Visca R Zamrodah, Yuhanin