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All Journal Journal of Management, Economic, and Accounting
Sari , Maya Macia
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Influence of Digital Financial Literacy on Digital Payment Adoption and Its Impact on the Financial Performance of MSMEs Sari, Pipit Buana; Sari , Maya Macia
Journal of Management, Economic, and Accounting Vol. 4 No. 2 (2025): Juli-Desember
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v4i2.1148

Abstract

This study examines the influence of digital financial literacy on the adoption of digital payment systems and its subsequent impact on the financial performance of Micro, Small, and Medium Enterprises (MSMEs). Using a quantitative explanatory approach, data were collected from MSME owners through structured questionnaires and analyzed using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method. The results show that digital financial literacy significantly enhances the adoption of digital payment platforms such as e-wallets, QRIS, and mobile banking. The adoption of digital payments is also found to directly improve financial performance by increasing transaction efficiency, strengthening cash flow stability, and supporting more accurate financial record-keeping. Furthermore, digital payment adoption serves as a mediating variable that strengthens the relationship between digital financial literacy and MSME financial performance. These findings highlight the critical role of digital financial capabilities and technological adoption in supporting MSME competitiveness amidst rapid digital transformation. The study contributes to the existing literature by providing empirical evidence on the mechanisms through which digital literacy and payment technologies shape financial outcomes in the MSME sector.
The Influence Of Lifestyle And Financial Literacy On The Consumptive Behavior Of UNPAB Students Ginting, Triska Devi; Pramono , Cahyo; Sari , Maya Macia
Journal of Management, Economic, and Accounting Vol. 5 No. 2 (2026): April
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v5i2.1575

Abstract

The rapid development of digitalization and the increasing use of e-commerce platforms have influenced students’ consumption patterns, leading to more consumptive behavior. This study aims to analyze the effect of lifestyle and financial literacy on online shopping consumptive behavior among Fintech Management students at Universitas Pembangunan Panca Budi (UNPAB). A quantitative approach was applied using a survey method through questionnaires distributed to 71 respondents selected through saturated sampling. Data analysis was conducted using SPSS software, including data quality tests, classical assumption tests, and multiple linear regression analysis. The results indicate that lifestyle has a positive and significant effect on consumptive behavior, while financial literacy has a negative but statistically insignificant effect. Simultaneously, lifestyle and financial literacy significantly influence consumptive behavior with a coefficient of determination of 0.667, indicating that 66.7% of the variation in consumptive behavior can be explained by the model. These findings suggest that lifestyle plays a more dominant role than financial literacy in shaping students’ consumption behavior in the digital era, highlighting the need for more practical financial literacy education.
Co-Authors Ginting, Triska Devi Pipit Buana Sari, Pipit Buana Pramono , Cahyo