PENGARUH LITERASI KEUANGAN DIGITAL, AKSES PEMBIAYAAN DAN PENGELOLAAN KEUANGAN TERHADAP KINERJA DAN KEBERLANJUTAN UMKM DI LOMBOK TIMUR - Siti Zohrah; Baiq Yuliana Rizkiwati; Muh. Fahrurrozi (Pusat Pengembangan Pendidikan dan Penelitian Indonesia, 2026)
The limitation of digital financial technology understanding, uneven financing access, and the lack of daily financial management motivate this research activity. These field operational problems trigger low business competitiveness, cash flow recording inefficiency, and operational failure vulnerability for UMKM actors in Lombok Timur. The main focus of this scientific study aims to analyze the magnitude of the effect of digital financial literacy, financing access, and financial management on business performance and sustainability. The steps of this causal associative quantitative research were operated through the distribution of questionnaires to a sample of 225 UMKM actors via a purposive sampling technique. The numerical data processing procedure was executed using Structural Equation Modeling based on Partial Least Squares (SEM-PLS) assisted by SmartPLS 4. The quantitative data empirically reveals a significant positive effect of digital financial literacy (path coefficient 0.421; t 8.013; p 0.000) and financing access (path coefficient 0.409; t 7.535; p 0.000) on UMKM performance. Business sustainability is significantly affected by financing access (path coefficient 0.393; t 8.570; p 0.000) and financial management (path coefficient 0.524; t 11.764; p 0.000), with an R2 value of 0.326 for performance and 0.397 for sustainability. The main conclusion asserts that business sustainability relies on structured cash governance and capital availability. ABSTRAK Keterbatasan pemahaman teknologi keuangan digital, akses pembiayaan yang belum merata, serta minimnya pengelolaan keuangan harian melatarbelakangi kegiatan penelitian ini. Masalah operasional lapangan tersebut memicu rendahnya daya saing bisnis, inefisiensi pencatatan arus kas, serta kerentanan kegagalan operasional bagi para pelaku UMKM di Lombok Timur. Fokus utama kajian ilmiah ini adalah menganalisis besaran pengaruh literasi keuangan digital, akses pembiayaan, dan pengelolaan keuangan terhadap kinerja serta keberlanjutan usaha. Langkah-langkah penelitian kuantitatif asosiatif kausal ini dioperasikan melalui penyebaran kuesioner angket pada sampel 225 pelaku UMKM via teknik purposive sampling. Prosedur pengolahan data numerik dieksekusi memakai permodelan Structural Equation Modeling berbasis Partial Least Squares (SEM-PLS) berbantuan SmartPLS 4. Data kuantitatif secara empiris menyingkap pengaruh positif signifikan literasi keuangan digital (koefisien jalur 0,421; t 8,013; p 0,000) dan akses pembiayaan (koefisien jalur 0,409; t 7,535; p 0,000) terhadap kinerja UMKM. Keberlanjutan usaha dipengaruhi secara signifikan oleh akses pembiayaan (koefisien jalur 0,393; t 8,570; p 0,000) serta pengelolaan keuangan (koefisien jalur 0,524; t 11,764; p 0,000), dengan nilai R2 sebesar 0,326 untuk kinerja dan 0,397 untuk keberlanjutan. Simpulan utama menegaskan bahwa keberlanjutan bisnis bertumpu pada tata kelola kas terstruktur dan ketersediaan modal.