Business Management
Vol 4, No 3 (2025): Business Management Agustus

The Influence of Financial Literacy and Financial Inclusion on the Performance of MSMEs in Dompu

Yusuf, Moh (Unknown)
Mulyati, Mulyati (Unknown)
Mauzu, Fahrul (Unknown)



Article Info

Publish Date
10 Aug 2025

Abstract

This study aims to analyze the influence of Financial Literacy and Financial Inclusion on the Performance of Micro, Small, and Medium Enterprises (MSMEs) in Dompu Regency. MSMEs are a vital sector in the regional economy, and their performance is affected by the ability to manage finances and access formal financial services. This research adopts a quantitative approach using multiple linear regression analysis. Data were collected from 91 MSME actors through questionnaires and analyzed using SPSS. The results show that Financial Literacy (X1) and Financial Inclusion (X2) have both simultaneous and partial positive and significant effects on MSME Performance (Y). The F-test significance value is 0.000, and the t-tests for variables X1 and X2 also show significance values of 0.000. The coefficient of determination (R²) is 0.671, indicating that 67.1% of the variation in MSME Performance can be explained by the two independent variables. These findings highlight the importance of enhancing financial understanding and access to financial services to improve business growth among MSMEs.

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Journal Info

Abbrev

Bisnis

Publisher

Subject

Decision Sciences, Operations Research & Management

Description

Jurnal Manajemen Bisnis diterbitkan oleh Lembaga Penelitian dan Pendidikan (LPP) Mandala. Artikel berupa tulisan yang diterbitkan versi cetak dan online secara berkala pada bulan Februari dan Agustus di bidang Ilmu Manajemen dan Bisnis. Penerbitan ini memuat tulisan bersifat ilmiah dalam bentuk ...