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

Pengaruh Inklusi Keuangan Digital, Literasi Keuangan Digital, dan Akses Permodalan terhadap Profitabilitas Usaha Mikro Di Kota Palu

Masriani (Unknown)
Sastrawan, Erwan (Unknown)
Rianty, Cici (Unknown)
Annisah (Unknown)

Article Info

Publish Date
09 Jul 2026

Abstract

This study examines the effects of digital financial inclusion, digital financial literacy, and access to capital on micro-enterprise profitability in Palu City. Using a quantitative associative approach, data from 100 micro-enterprise respondents were analyzed through multiple linear regression. The results show that the three variables simultaneously affect profitability (R² = 0.641). Partially, digital financial inclusion has no significant effect, digital financial literacy has a positive significant effect, and access to capital has a negative significant effect. Digital financial literacy is the most dominant factor influencing micro-enterprise profitability in Palu City.

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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 ...