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

The Influence Of Digital Transformation And Financial Literacy On Msme Performance With Innovation As A Mediating Variable (A Study on MSMEs in Purwosari District)

Sari, Rindi Kartika (Unknown)
Choiruddin, Muhammad Nanang (Unknown)

Article Info

Publish Date
22 May 2026

Abstract

This study examines the influence of digital transformation and financial literacy on MSME performance through innovation in Purwosari District, Pasuruan. Using a quantitative approach, data were collected from 100 MSMEs and analyzed with PLS-SEM. The results show that digital transformation directly improves MSME performance, whereas financial literacy has no direct effect. Both variables significantly enhance innovation, which positively affects performance and mediates their relationships with performance. These findings highlight innovation as a key mechanism for transforming digital capabilities and financial knowledge into business outcomes. Therefore, strengthening innovation capacity is essential for improving MSME competitiveness and sustainability.

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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 ...