Peran mediasi adopsi fintech dalam hubungan antara literasi keuangan, inklusi keuangan dan kinerja UMKM Sanan Malang

Agustin, Hanum Melani and Choiruddin, Muhammad Nanang (2026) Peran mediasi adopsi fintech dalam hubungan antara literasi keuangan, inklusi keuangan dan kinerja UMKM Sanan Malang. Jurnal Ekonomi, Bisnis dan Manajemen, 5 (2). pp. 1040-1053. ISSN e-ISSN: 2962-7621;p-ISSN: 2962-763X,

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Abstract

This scientific study aims to analyze the impact of financial literacy and inclusion on the performance of MSMEs, where the adoption of fintech is an intermediary, which was carried out at the Tempe and Tempe Chips Industrial Center in Sanan, Malang. The method applied is a quantitative approach with a total population of 178 micro-business actors. The sample size was determined by applying the Slovin formula at a 5% error limit so that 124 participants were obtained. Purposive sampling technique was used in sampling. Research data was obtained through the distribution of questionnaires with the application of a Likert scale, then studied by applying Partial Least Squares-Strusctural Equation Modeling (PLS-SEM). From the results of the study, it was found that financial literacy has a positive and significant impact on the performance of MSMEs, financial inclusion has a positive and significant impact on the performance of MSMEs, financial literacy has a positive impact on the adoption of fintech, financial inclusion has a positive and significant impact on the adoption of fintech, and fintech adoption has a positive and significant impact on the performance of MSMEs. Additionally, the adoption of verified fintech positively and significantly mediates the influence of financial literacy and inclusion on MSME performance. These findings emphasize that optimizing MSME performance is recommended through increasing financial literacy and inclusion, supported by fintech adoption.

Item Type:	Journal Article
Keywords:	financial literacy; financial inclusion; fintechadoption; msme performance
Subjects:	15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1503 Business and Management > 150304 Entrepreneurship 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1503 Business and Management > 150307 Innovation and Technology Management 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1503 Business and Management > 150314 Small Business Management 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1502 Banking, Finance and Investment 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1503 Business and Management
Divisions:	Faculty of Economics > Department of Management
Depositing User:	Muhammad Nanang Choiruddin
Date Deposited:	30 Jun 2026 15:05

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