JURNAL MANAJEMEN MOTIVASI
Vol 22 No 1 (2026): Jurnal Manajemen Motivasi

a Export Craft MSMEs' Performance and Financial Literacy: The Mediating Function of Financial Inclusion in Bangkalan, East Java

Ratnawati (Unknown)
MTN, Rokhman (Unknown)
Esy Suraeni, Yuniwati (Unknown)

Article Info

Publish Date
01 May 2026

Abstract

This study examines the effect of financial literacy on MSME performance with financial inclusion as a mediating variable. The sample consists of 120 export craft MSME actors in Bangkalan, Madura. SmartPLS was employed as the analytical method. Results show that financial literacy does not directly affect performance but significantly influences financial inclusion. Financial inclusion improves MSME performance and mediates the relationship between literacy and performance. These findings imply the need for policies supporting financial literacy and inclusion to enhance the competitiveness and sustainability of MSMEs.

Copyrights © 2026




Citation Download
RIS
EndNote, Reference Manager, ProCite
BibTex
Latex, Jabref
Original Source
Download Original
Google Scholar
Check in Google Scholar
Journal Info
JURNAL MANAJEMEN MOTIVASI
Website

Abbrev

jm_motivasi

Publisher

Universitas Muhammadiyah Pontianak

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Description

Jurnal Manajemen Motivasi (JMM) adalah Jurnal Ilmiah Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Pontianak yang diterbitkan secara berkala 2 (dua) kali dalam satu tahun (Juni dan Oktober) sebagai sarana untuk menyebarluaskan hasil penelitian dan ilmu pengetahuan di bidang ilmu manajemen ...