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All Journal Jurnal Samudra Ekonomi dan Bisnis
Butar, Riyani Butar
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Pengaruh Peer to Peer Lending, E-commerce, E-payment, dan Literasi Digital terhadap Kinerja UMKM Kota Medan dengan Literasi Keuangan sebagai Variabel Intervening Butar, Riyani Butar; Pratomo, Wahyu Ario; Syafii, M.
Jurnal Samudra Ekonomi dan Bisnis Vol 17 No 1 (2026): JSEB
Publisher : Fakultas Ekonomi dan Bisnis Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jseb.v17i1.11644

Abstract

The study analyzes the influence of P2P lending, e-commerce, e-payment, and digital literacy on the performance of MSMEs in Medan City, mediated by financial literacy. Data were obtained through questionnaires and interviews with 95 assisted MSMEs, then processed using SEM-PLS with SmartPLS 4. This analysis found that directly, P2P lending, e-commerce, and digital literacy did not have a significant impact, while e-payment had a positive and significant impact on MSME performance. Indirectly, financial literacy only mediated the positive relationship between digital literacy and MSME performance, but did not mediate the relationship between P2P lending, e-commerce, and e-payment on MSME performance. This finding emphasizes the importance of strengthening digital and financial literacy as a strategy to improve MSME performance through digitalization.
Co-Authors Syafii, M. Wahyu Ario Pratomo