<![CDATA[This study analyzes the effect of Dynamic Capabilities and Financial Behavior on the Financial Resilience of non-technology MSMEs in Langsa City and Aceh Tamiang, and tests the mediating role of Organizational Agility in that relationship. The study uses an explanatory quantitative approach with a cross-sectional design on 154 non-technology MSMEs at least five years old, selected through purposive sampling. Data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with a 5,000-subsample bootstrapping procedure. Dynamic Capabilities and Financial Behavior were specified as second-order constructs using a repeated-indicator approach. The results show that both Dynamic Capabilities (β = 0.472; p < 0.001) and Financial Behavior (β = 0.419; p < 0.001) have a significant positive effect on Financial Resilience, whereas Organizational Agility neither directly affects Financial Resilience nor mediates either of these two relationships. These findings provide empirical evidence that, among non-technology MSMEs, financial resilience is built directly through internal capabilities and financial discipline rather than through organizational agility, which remains conceptually rooted in digital-technology-based capabilities.]]>
Copyrights © 2026
