AKSELERASI KINERJA UMKM: PERAN STRATEGIS FINANCIAL LITERACY DI ERA DIGITAL
DOI:
https://doi.org/10.34127/jrlab.v15i1.2023Keywords:
Financial Behavior, Financial Technology, Financial Literacy, MSMEs PerformanceAbstract
The decline in the number of active MSMEs in Boyolali Regency indicates obstacles in business performance, thus requiring financial literacy in the use of fintech and financial behaviour to improve MSME performance in a sustainable manner. The purpose of this study is to analyse the role of financial literacy in mediating the influence of financial behaviour and financial technology on SME performance in Boyolali Regency, with financial literacy as the mediator. This study uses a quantitative approach and primary data was collected from 140 SME actors through a questionnaire distributed using purposive sampling techniques. Data analysis was conducted using the PLS-SEM method. The research findings indicate that financial behaviour and financial literacy have a significant positive effect on MSME performance, while financial technology has a significant negative effect. Financial behaviour and financial technology have a significant positive effect on financial literacy. Furthermore, the effect of financial behaviour on MSME performance is partially mediated by financial literacy, while the effect of financial technology on MSME performance is fully mediated by financial literacy. It is hoped that these findings will enrich our understanding of how financial behaviour, financial technology and financial literacy influence the performance of MSMEs, and contribute fully to MSME actors and stakeholders in designing financial management strategies and policies for the sustainability of MSME performance.
References
Astutik, W. W., Ningsih, S., & Pardanawati, S. L. (2024). Pengaruh Modal Usaha, Lokasi Usaha, Teknologi Informasi, Dan Lama Usaha Terhadap Pendapatan Usaha Mikro, Kecil, Dan Menengah (UMKM) Di Kabupaten Boyolali. Jurnal Ilmiah Manajemen Dan Akuntansi, 1(4), 33–47.
Brilianti, T. R., & Lutfi, L. (2020). Pengalaman Keuangan , dan Pendapatan terhadap Perilaku Keuangan Keluarga. Journal of Business and Banking, 9(2), 1–17.
Desmiyawati, D., Susilatri, S., Ramaiyanti, S., & Azlina, N. (2023). IMPROVING THE PERFORMANCE OF MSMEs THROUGH INNOVATION, FINANCIAL LITERACY, AND DIGITALIZATION. Jurnal Riset Akuntansi Kontemporer, 15(2), 151–161. https://journal.unpas.ac.id/index.php/jrak/article/view/7203
Dinas Koperasi dan Tenaga Kerja Kabupaten Boyolali. (n.d.). ESEMU: Elektronik Sistem UMKM. https://esemu.boyolali.go.id/
Direktorat Jenderal Perbendaharaan. (n.d.). UMKM HEBAT, PEREKONOMIAN NASIONAL MENINGKAT. DJKN Kementerian Keuangan. https://djpb.kemenkeu.go.id/kppn/curup/id/data-publikasi/artikel/2885-umkm-hebat,-perekonomian-nasional-meningkat.html
Farahiyah, Q., & Haryadi, B. (2024). Pengaruh Financial Literacy , Financial Technology dan Digital Marketing Terhadap Kinerja Usaha UMKM pada Era Teknologi ( Studi Kasus pada Pelaku UMKM di Kabupaten Gresik ). Journal of Culture Accounting and Auditing Journal, 3(2), 1–17. http://journal.umg.ac.id/index.php/jcaa JCAA
Ghozali, I., & Kusumadewi, K. A. (2023). Patrial Least Squares Konsep, Teknik, dan Aplikasi menggunakan program SmartPLS 4.0. Yoga Pratama.
Harmida, S. U. (2025). Pengaruh Pemanfaatan E- Commerce Dan Self Efficacy Terhadap Kinerja UMKM Di Banda Aceh.
Hasnanafisa, D. (2021). PENGARUH FINTECH DALAM MENINGKATKAN LITERASI KEUANGAN (Studi pada Generasi Milenial saat Pandemi Covid-19). Skripsi, 1–111. http://repository.unissula.ac.id/27713/1/31401800052_fullpdf.pdf
Jamilah, H. M., & Mardiana, L. (2024). The Role of Fintech and Financial Literacy on MSME Performance: Study on F&B MSMEs in Surabaya. JUTSAHA: Journal of Entrepreneurship, 3(April), 36–46. https://doi.org/10.56943/joe.v3i2.560
Kementerian Koordinator Bidang Perekonomian Republik Indonesia. (n,d.). Dukungan Pemerintah Bagi UMKM Agar Pulih di Masa Pandemi. https://www.ekon.go.id/publikasi/detail/2939/dukungan-pemerintah-bagi-umkm-agar-pulih-di-masa-pandemi
Kholifah, A. N., & Andini, C. T. (2024). Peran UMKM Terhadap Perekonomian Di Indonesia. 3(2), 459–466. https://jurnal.anfa.co.id/index.php/mufakat/article/view/2628/2385
Laksono, T. B., & Mangifera, L. (2024). Manajemen dan Bisnis Peran Social Influence Dalam Memoderasi Mobile Self Efficacy , Performance Expectancy Effort Expectancy Terhadap Behavior Intention E-Wallet Pada UMKM Di Daerah Wisata Telaga Sarangan. 6(1), 20–32.
Lontchi, C. B., Yang, B., & Shuaib, K. M. (2023). Effect of Financial Technology on SMEs Performance in Cameroon amid COVID-19 Recovery: The Mediating Effect of Financial Literacy. Sustainability (Switzerland), 15(3). https://doi.org/10.3390/su15032171
Marisa, O. (2020). Persepsi kemudahan penggunaan, efektivitas, dan risiko berpengaruh terhadap minat bertransaksi menggunakan financial technology. Jurnal Administrasi Kantor, 8(2), 139–152.
Nurhidayati, S. E., & Anwar, M. K. (2018). Pengaruh Faktor Demografi Terhadap Literasi Keuangan Syariah Karyawan Perbankan Syariah Di Surabaya. Jurnal Ekonomi Islam, 1(1), 1–12.
Putri, J. A. (2025). Pengaruh Literasi Keuangan, Efikasi Diri, dan Gaya Hidup Terhadap Perilaku Keuangan Mahasiswa Di Purwokerto. 1–137.
Putri, K. N., & Mangifera, L. (2024). Analisis Peran Financial Capability terhadap Financial Well-Being dengan mediasi pengguna QRIS. 2(1).
Rahmayanti, W., Sri Nuryani, H., & Salam, A. (2019). Pengaruh Sikap Keuangan Dan Perilaku Keuangan Terhadap Literasi Keuangan. Jurnal Manajemen Dan Bisnis, 2(1). https://doi.org/10.37673/jmb.v2i1.267
Sajuyigbe, A. S., Oyedele, O., Oke, O. D., Sodeinde, G. M., Ayo-Oyebiyi, G. T., & Adeyemi, M. A. (2024). Financial Behavior and SMEs Performance: The Mediating Influence of Financial Literacy and Organizational Culture. Journal of Business and Technology, 8(2), 99–116. https://doi.org/10.4038/jbt.v8i2.126
Sari, D. D. D., & Azhar, A. (2025). PENGARUH FINANCIAL TECHNOLOGY TERHADAP KINERJA USAHA MIKRO KECIL MENENGAH (UMKM) DI BENGKULU. Jurnal Studi Multidisipliner, 9(1), 105–111.
Setiani, D., Pratiwi, Y. I., & Komara, A. (2024). Financial Behavior Mediates Financial Literacy And Inclusion On The Performance Of Cirebon City MSMES. International Journal Of Humanities Education And Social Sciences (IJHESS) E-ISSN, 4(1), 2808–1765. https://ijhess.com/index.php/ijhess/
Setiawati, S., Apriliani, R., Prakoso, T., & Faizal, H. (2023). Pengaruh Financial Behavior Terhadap Literasi Keuangan Sebagai Alat Ukur Kinerja Keuangan Umkm Kota Depok. Ikraith-Ekonomika, 6(3), 1–17. https://doi.org/10.37817/ikraith-ekonomika.v6i3
Sholeha, A., Kharisma, A. S., & Setiabudi, U. M. (2024). Pengaruh Financial Technology ( Fintech ) Terhadap Kinerja UMKM Melalui Mediasi Akses Keuangan. Jurnal Bina Bangsa Ekonomika, 17(2), 1571–1586.
Siregar, Q. R., & Simatupang, J. (2022). The Influence of Financial Knowledge, Income, and Lifestyle on Financial Behavior of Housewives at Laut Dendang Village. Journal of International Conference Proceedings, 5(2), 646–654. https://doi.org/10.32535/jicp.v5i2.1850
Sumani, S., & Prasetya, I. B. (2022). The Effect of Financial Technology on the Performance of Micro, Small, and Medium Businesses. Review of Management and Entrepreneurship, 6(1), 51–72. https://doi.org/10.37715/rme.v6i1.2442
Victory, G. (2022). Use Of Digital Payment for Micro, Small and Medium Enterprises (MSMEs). December, 1–7. https://www.researchgate.net/publication/366325251_Use_Of_Digital_Payment_for_Micro_Small_and_Medium_Enterprises_MSMEs
Wahyuni, S., Kartomo, & Chairunnas, A. (2025). PENGARUH PEMAHAMAN AKUNTANSI DAN LITERASI KEUANGAN TERHADAP PENGELOLAAN KEUANGAN MAHASISWA PADA UNIVERSITAS SEMBILANBELAS NOVEMBER KOLAKA (Studi Pada Mahasiswa Akuntansi). JURNAL AKTUAL AKUNTANSI BISNIS TERAPAN, 8(1), 136–152.
Zulfaris, M. D., Mustafa, H., Mahussin, N., Alam, M. K., & Daud, Z. M. (2020). Students and money management behavior of a Malaysian public university. Journal of Asian Finance, Economics and Business, 7(3), 245–251. https://doi.org/10.13106/jafeb.2020.vol7.no3.245
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Author
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Jurnal Lentera Bisnis disebarluaskan di bawah Lisensi Creative Commons Atribusi-BerbagiSerupa 4.0 Internasional.
Berdasarkan ciptaan pada https://plj.ac.id/ojs/index.php/jrlab
