Pengaruh Literasi Keuangan Terhadap Kelangsungan Usaha Melalui Sikap Keuangan dan Fintech pada UMKM Kuliner di Kecamatan Biringkanaya Kota Makassar

A. Annisa Rahmasari (Universitas Negeri Makassar)
Ratna Suharto (Universitas Negeri Makassar)
Andi Tenri Ampa (Universitas Negeri Makassar)
Hikmayani Subur (Universitas Negeri Makassar)
Andi Annisa Sulolipu (Universitas Negeri Makassar)

Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan
Vol. 6 No. 2 (2026): Juni, Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan

This study aims to analyze the influence of Financial Literacy on Business Continuity through the mediating role of Financial Attitudes and Fintech utilization among culinary MSMEs in Biringkanaya District, Makassar City. The background of the study is based on the dynamics of MSME development that demands good financial management skills and readiness to adapt to digital technology to maintain business sustainability. This study uses a quantitative approach with a population of 1,063 culinary MSMEs and a sample of 291 respondents determined using the Slovin formula. Data were collected through questionnaires and analyzed using Partial Least Square-based Structural Equation Modeling with the help of the SmartPLS 4 application. The results show that Financial Literacy has a positive and significant effect on Business Continuity, Financial Attitudes, and Fintech utilization. In addition, Financial Attitudes and Fintech utilization are proven to significantly mediate the relationship between Financial Literacy and Business Continuity. These findings imply that increasing financial understanding can shape wiser financial management behavior and encourage the effective use of digital transaction technology to maintain business resilience and growth in the digital economy era.