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All Journal Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan
Rika Kusuma Wardani
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Economics, Econometrics & Finance Other

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Pengaruh Literasi Keuangan, Inklusi Keuangan, dan Pembayaran Digital terhadap Kinerja UMKM : Studi Kasus UMKM Kuliner di Kecamatan Boja Rika Kusuma Wardani; Indriasari, Ika; Nastiti , Prianka Ratri
Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan Vol. 6 No. 1 (2026): Februari : Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurimbik.v6i1.1528

Abstract

This study aims to examine the effect of financial literacy, financial inclusion, and digital payment on the performance of culinary MSMEs in Boja District. The research employed a quantitative method with a purposive sampling technique, involving 100 culinary MSME owners. Data were collected using questionnaires with a Likert scale and analyzed through multiple linear regression using SPSS version 25. The results indicate that financial literacy has a positive and significant effect on MSME performance, financial inclusion has a positive but insignificant effect, while digital payment has a positive and significant effect on MSME performance. Simultaneously, the three variables significantly influence MSME performance. This research is expected to serve as an input for MSME actors and related stakeholders to enhance performance through strengthening financial literacy, expanding access to financial inclusion, and optimizing the use of digital payments.
Co-Authors Indriasari, Ika Nastiti , Prianka Ratri