The Role of Financial Literacy, Management Skills, and Digital Capital Access in Enhancing Business Sustainability in the Digital Economy

Ahmad Syamil (BINUS Business School)
Ericha Lisa Wibowo (Universitas Cahaya Surya)
Wijil Nugroho (Universitas Matana)

Formosa Journal of Science and Technology (FJST)
Vol. 5 No. 8 (2026): August 2026

The development of the digital economy encourages business actors to strengthen financial capacity, managerial competence, and access to digital financing to maintain business sustainability. This study aims to analyze the influence of financial literacy, management skills, and access to digital capital on business sustainability. The study uses a quantitative approach with a survey design of 150 MSME actors selected through purposive sampling. Data were collected using a structured questionnaire and analyzed by multiple linear regression. The results of the study show that the three variables have a positive and significant effect on business sustainability, with management skills as the dominant factor. These findings affirm the importance of integrating financial literacy, managerial capabilities, and digital financing inclusion in strengthening the resilience and sustainable growth of MSMEs