DIGITAL FINANCIAL CAPABILITY AND MSME RESILIENCE: LINKING INFORMATION QUALITY, LIQUIDITY, AND ADAPTIVE CONTROL

Anggun Yolistina (Yayasan Kreatif Indonesia Emas, Bandung, 40281, Indonesia)
Arif Budi Raharja (STIE YKP, Yogyakarta, Indonesia)

Jesocin : Journal of Jabar Economic Society Networking Forum
Vol. 2 No. 3 (2025): Jesocin - March

This conceptual paper develops an integrative framework for digital financial capability and MSME resilience in micro, small, and medium enterprises (MSMEs). It synthesizes established literature on the resource-based view, dynamic capabilities, organizational learning, absorptive capacity, social capital, resilience, and entrepreneurial ecosystems. The analysis explains how financial information quality, cash-flow visibility, digital controls, liquidity discipline, and adaptive decision making can be organized into proportionate managerial routines. No primary survey, interview, experimental, or statistical data are claimed. The framework proposes diagnosis, capability mapping, bounded experimentation, evidence review, governance, resource reconfiguration, and learning retention as a cumulative cycle.