The Effect of Financial Literacy and Digital Literacy on Employee Performance at PT XYZ, Tangerang City

Hanggono Arie Prabowo

Indonesian Journal of Business Analytics (IJBA)
Vol. 6 No. 2 (2026): April 2026

This study examines how financial literacy and digital literacy affect employee performance at PT XYZ in Kota Tangerang, addressing gaps on combined literacy impacts and managerial mediation. Using a quantitative explanatory design, financial literacy (X1) and digital literacy (X2) were tested as predictors of employee performance (Y) via multiple linear regression in SPSS 22. A purposive sample of 48 employees provided data collected March–June 2023. Assumption tests supported parametric analysis. The model explained 67.1% of performance variance (R2 = 0.671), with both literacies showing positive relationships with employee performance. Findings imply that integrated capacity-building in financial and digital skills—paired with managerial development and digital adoption strategies—can substantially improve individual and organizational outcomes in Tangerang’s competitive MSME context.