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All Journal ProBisnis : Jurnal Manajemen
Nabas, Meldianus J
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Humanities Computer Science & IT Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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The Influence of Financial Literacy and Financial Management on the Financial Performance of MSMEs Nabas, Meldianus J; Aminah, Aminah; Fausiah, Fausiah; Cinta, Azwin Hariyanto; Paramitha, Andi Novita
ProBisnis : Jurnal Manajemen Vol. 17 No. 1 (2026): January: Management Science
Publisher : Lembaga Riset, Publikasi dan Konsultasi JONHARIONO

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Abstract

This study aims to analyze the influence of financial literacy and financial management on the financial performance of Micro, Small, and Medium Enterprises (MSMEs). MSMEs play a strategic role in the national economy, but still face various financial management challenges that affect their low business performance. The research method used is a quantitative approach with survey techniques. Data was collected through questionnaires distributed to MSME actors and analyzed using multiple linear regression. The study finds that financial literacy has a positive and significant effect on the financial performance of MSMEs. In addition, financial management has been shown to have a positive, significant effect on financial performance. Simultaneously, financial literacy and financial management have a significant effect on the financial performance of MSMEs. These findings indicate that improving understanding and adopting good financial management practices are essential to enhancing MSME performance in a sustainable manner
Co-Authors Aminah Aminah Cinta, Azwin Hariyanto FAUSIAH, FAUSIAH Paramitha, Andi Novita