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BUANA SAINS
Published by Universitas Tribhuwana Tunggadewi
ISSN : 14121638     EISSN : 25275720     DOI : -
Core Subject : Science, Education,
Biochemistry, Genetics & Molecular Biology Chemistry Mathematics Physics
BUANA SAINS p-ISSN : 1412-1638 | e-ISSN: 2527-5720 is a double-blind peer-reviewed, open-access journal, published by UNITRI PRESS. It publishes original and applied research in all areas of natural science. The Editorial goal is to provide a forum exchange and an interface between researchers and practitioners in any natural science related field.
Arjuna Subject : -
Articles 1 Documents
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Search results for , issue "Vol 25, No 3 (2025)" : 1 Documents clear
PENGARUH LITERASI KEUANGAN TERHADAP KETAHANAN UMKM PANGAN DALAM PEMANFAATAN FINTECH PADA PELAKU USAHA KOTA BLITAR Budiman, Eko Wahyu; Kurniastuti, Tri
BUANA SAINS Vol 25, No 3 (2025)
Publisher : Universitas Tribhuwana Tunggadewi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33366/bs.v25i3.7918

Abstract

This study aimed to examine the influence of financial literacy on the resilience of food-sector MSMEs (Micro, Small, and Medium Enterprises), with fintech adoption as a supporting variable, to address the research gap concerning the interaction between financial competence and technology adoption in the context of economic digitalization. A quantitative survey of 50 food-sector MSME actors in Blitar City who have used fintech services was analyzed using multiple linear regression. The results indicate that financial literacy has a significant and strong influence on business resilience (? = 0.47; p 0.01), while fintech adoption has a positive but more moderate effect (? = 0.22; p 0.05). The model explains 45% of the variance in MSME resilience. These findings reinforce the resource-based view theory by affirming that internal capability (financial literacy) is a key resource that is enhanced by technology (fintech) to build resilience. The implication is that MSME empowerment programs should integrate financial training with guided adoption of digital technology in a comprehensive manner

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