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All Journal JURISMA: Jurnal Riset Bisnis & Manajemen
Wahyudi , Nabilla Lutfi
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Financial Factors Influencing the Performance of MSMEs in Surabaya Muttaqiin, Ninnasi; Wahyudi , Nabilla Lutfi
JURISMA : Jurnal Riset Bisnis & Manajemen Vol. 15 No. 2: Oktober 2025
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jurisma.v15i2.18067

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a vital role in driving both macro and microeconomic growth in Indonesia. However, many MSMEs still face obstacles in financial management, limited access to financial services, and low levels of financial literacy, which hinder their performance and sustainability. This study aims to examine the influence of financial literacy, financial inclusion, and financial management on MSME performance in Bulak District, North Surabaya. A quantitative research method was employed, using purposive sampling to collect primary data through questionnaires distributed directly to 95 MSME owners. The data were analyzed using multiple linear regression. The findings reveal that financial literacy, financial inclusion, and financial management each have a significant positive effect on MSME performance. These results suggest that improving financial knowledge, access to financial services, and effective financial management practices can enhance the business performance and growth potential of MSMEs in Bulak District.     Keywords: Financial Literacy; Financial Inclusion; Financial Management; MSME Performance; Personal Finance
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