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All Journal Islamika : Jurnal Ilmu-Ilmu Keislaman MADANIA: JURNAL KAJIAN KEISLAMAN Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan Manhaj: Jurnal Penelitian dan Pengabdian Masyarakat Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah Jurnal Manajemen Universitas Bung Hatta IIJSE
Rini Elvira
Universitas Islam Negeri Sjech M.Djamil Djambek Bukittinggi,
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : Jurnal Manajemen Universitas Bung Hatta

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The Influence of Financial Literacy, Financial Management, and Financial Technology on Business Performance And Sustainability of Micro, Small, and Medium Enterprises In Sumatera, Indonesia Rika Desiyanti; Nor Azilah Husin; Rini Elvira; Sefnedi Sefnedi; Tyara Dwi Putri; Chrismondari Chrismondari
Jurnal Manajemen Universitas Bung Hatta Vol. 18 No. 2 (2023): Jurnal Manajemen Universitas Bung Hatta
Publisher : Management Department, Faculty of Economics and Business, Universitas Bung Hatta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37301/jmubh.v18i2.23238

Abstract

Business performance and business sustainability are crucial for business owners to achieve their targets. The business performance and sustainability of micro, small, and medium enterprises (MSMEs) contribute positively to the country's economy. When compared to large companies, MSMEs employ the most people. MSMEs more significantly influence the Gross Domestic Product (GDP) growth or development. MSMEs are the backbone of a nation's economy, increasing employment possibilities. The worst issue is the decline in annual sales and potential economic headwinds brought on by dropping commodity prices. This study aims to analyze the influence of financial literacy, financial management, and financial technology on business performance and the sustainability of MSMEs in Sumatra. This study was designed using a quantitative approach and questionnaire survey of MSME owners in Sumatra, Indonesia. A simple random sampling technique is used. The data were analyzed using a structural equation model (SEM). The validity, reliability test, statistical descriptive, and multiple regression tests were conducted. Financial literacy and technology affect business performance; meanwhile, financial management does not. Furthermore, the result shows financial literacy and management affect business sustainability. Financial technology does not affect the sustainability of MSMEs.
Co-Authors Asnaini Asnaini, Asnaini Chrismondari Chrismondari Devianto, Dodi Nor Azilah Husin Nursyirwan Effendi, Nursyirwan Rika Desiyanti Sefnedi Sefnedi Tyara Dwi Putri Yaswirman, Yaswirman Yuningsih, Ayu