JURNAL MANAJEMEN MOTIVASI
Vol 22 No 2 (2026): Jurnal Manajemen Motivasi

Pengaruh Adopsi Sistem Pembayaran Hybrid Terhadap Efektivitas Pengelolaan Keuangan UMKM di Kota Palu: Peran Moderasi Literasi Keuangan

Apriliani, Sindi (Unknown)
Yunus Kasim, Muhammad (Unknown)
Darman (Unknown)
Samudra, Suryadi (Unknown)

Article Info

Publish Date
17 Jul 2026

Abstract

The increasing use of hybrid payment systems among MSMEs requires evidence of their impact on financial management effectiveness. This study examines the effect of hybrid payment system adoption on the financial management effectiveness of MSMEs in Palu City, with financial literacy as a moderating variable. A quantitative approach was employed using data from 60 MSMEs selected through purposive sampling and analyzed with Moderated Regression Analysis (MRA). The findings indicate that hybrid payment system adoption positively and significantly improves financial management effectiveness, while financial literacy weakens this relationship. These findings highlight the importance of integrating digital payment adoption with financial literacy development to enhance MSME financial management.

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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 ...