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This Author published in this journals
All Journal Journal of Business Management and Economic Development INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Yogi Nurfauzi
STKIP Majenang, Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences Other

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The Role of Financial Literacy, Access to Capital, and Digital Transformation to Improve Performance of SMEs in Semi-Urban Areas Yogi Nurfauzi; Inngamul Wafi; Tri Almunawaroh; Slamet Pamuji
Journal of Business Management and Economic Development Том 4 № 01 (2026): Journal of Business Management and Economic Development
Publisher : PT. Riset Press International

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59653/jbmed.v4i01.2336

Abstract

Micro, small, and medium enterprises (SMEs) play a crucial role in strengthening regional economic resilience, particularly in semi-urban areas where formal employment opportunities and industrial growth remain relatively limited. Despite their strategic contribution, many SMEs continue to face performance constraints due to limited financial capacity, limited access to external financing, and slow adoption of digital technologies. This study aims to examine the influence of financial literacy, access to capital, and digital transformation on SMEs performance. A quantitative explanatory approach was employed, collecting primary data through structured questionnaires distributed to 80 MSME owners in Majenang District. The research utilized Partial Least Squares Structural Equation Modeling (PLS-SEM) to analyze both measurement and structural relationships among variables. The findings reveal that financial literacy significantly improves SMEs performance by enhancing financial planning, budgeting, and decision-making abilities. Access to capital also shows a positive effect, indicating that adequate funding enables business expansion and operational stability. Furthermore, digital transformation demonstrates the strongest influence on performance, suggesting that technology adoption enhances efficiency, innovation, and market reach. The structural model explains 57% of the variance in SMEs performance, reflecting moderate predictive accuracy. These findings highlight the importance of integrated policy interventions focusing on financial education, inclusive financing, and digital capacity development to ensure sustainable MSME growth in semi-urban economies. This study contributes by providing empirical evidence on the integrated role of financial literacy, access to capital, and digital transformation in improving SME performance in semi-urban areas. The findings also highlight the need for integrated strategies in financial education, inclusive financing, and digital capacity development to support sustainable SME growth and competitiveness.
INNOVATION IN POST-PANDEMIC E-COMMERCE Yogi Nurfauzi; Iyad Abdallah Al-Shreifeen
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 2 No. 6 (2025): JUNE
Publisher : CV. Adiba Aisha Amira

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Abstract

The COVID-19 pandemic has been a major catalyst for the acceleration of digital technology adoption in the trade sector, particularly e-commerce. This research aims to examine the main innovations that have developed in post-pandemic e-commerce and their impact on businesses and consumers through a literature review method. The results show that innovations such as digital payment integration, artificial intelligence-based personalisation, logistics optimisation, social commerce, and cross-platform collaboration such as GoTo, have improved business operational efficiency, expanded market access, and created a more convenient and secure shopping experience for consumers. In addition, these innovations also encourage the growth of MSMEs and strengthen the digital ecosystem in Indonesia. However, challenges such as intensified competition, data security issues, and the digital divide still need to be anticipated for e-commerce growth to be sustainable in the post-pandemic era.
Co-Authors Inngamul Wafi Iyad Abdallah Al-Shreifeen Slamet Pamuji Tri Almunawaroh