Kinerja UMKM di Era Ekonomi Digital: Kajian Literasi Keuangan, Orientasi Kewirausahaan dan Akses Permodalan Dengan Moderasi Teknologi Digital

Authors

  • Chitra Indah Sari Universitas Islam Negeri Mahmud Yunus Batusangkar
  • Rizal Universitas Islam Negeri Mahmud Yunus Batusangkar
  • Nil Firdaus Universitas Islam Negeri Mahmud Yunus Batusangkar

DOI:

https://doi.org/10.31958/mabis.v5i2.16046

Keywords:

literasi keuangan, orientasi kewirausahaan, akses permodalan, teknologi digital, kinerja UMKM

Abstract

This study aims to analyze the effect of financial literacy, entrepreneurial orientation, and access to capital on the performance of Micro, Small, and Medium Enterprises (MSMEs) in the digital economy era, considering the role of digital technology as a mediating variable. The research method uses a quantitative approach with a survey of 100 active MSME players in Indonesia who have been running their businesses for at least two years and utilize digital technology in one aspect of their operations. Data analysis was conducted using Partial Least Squares-Structural Equation Modeling (PLS-SEM) using SmartPLS 4.0. The results show that financial literacy, entrepreneurial orientation, and access to capital have a positive and significant effect on MSME performance. Entrepreneurial orientation contributes the most, followed by financial literacy and access to capital. In addition, digital technology was found to mediate the relationship between these three independent variables and MSME performance, strengthening the internal contribution of businesses to increasing competitiveness. These findings confirm that digitalization is not merely an additional tool, but functions as a strategic catalyst in strengthening MSME performance. This study provides practical implications that the government and stakeholders need to expand support for financial literacy, entrepreneurship coaching, and digital-based access to capital so that MSMEs can survive and develop sustainably amid disruption.

References

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Published

2026-01-14

Issue

Vol. 5 No. 2 (2025): Jurnal Manajemen Bisnis Syariah:MABIS

Section

Articles

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Copyright (c) 2025 Chitra Indah Sari, Rizal, Nil Firdaus

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